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HomeMy WebLinkAboutInsurance Proposals A STOCK COMPANY Sym. Policy N0. Poli �► . . + 1 95 11 2j Issued BY THE CONTINENTAL INS vCE COM T, - 1" ' BA Producer's =NEW Name. Val Stype & Sons Inc. and PO BOX 63 Producer's Address Code ITEM ONE Mattituck, N.Y. 11952 81 453 060 Named F FORM OF NAMED INSURED'S BUSINESS: Insured Town Of SOuth01 d ❑CORPORATION;ElPARTNERSHIP; El INDIVIDUAL OR and Address ❑ OTHER: (SPECIFY) (Number and � 53095 Main Rd. Street, Town or � City, County PeconiC N.Y. 11958 NAMED INSURED'S BUSINESS: and State) L J ❑AuYes dit Req.No DECLARATIONS-BUSINESS AUTO POLICY POLICY PERIOD: Policy covers FROM 1-1-82 TO 1-1-83 12:01 A.M. Standard Time at the Named ITEM TWO—SCHEDULE OF COVERAGES AND COVERED AUTOS Insured's Address stated above. na 3-3-82 This policy provides only those coverages where a charge is shown in the premium column below. Each of these coverages will apply only to those autos shown as covered autos. Autos are shown as covered autos for a particular coverage by the entry of one or more of the symbols from ITEM THREE next to the name of the coverage. COVERED AUTOS COVERAGES (Entry of one or more of the LIMIT symbols from ITEM THREE THE MOST WE WILL PAY FOR ANY ONE PREMIUM shows which autos are covered autos) ACCIDENT OR LOSS LIABILITY INSURANCE 1 $ 500,000. $ 15,706. PERSONAL !NJURY PROTECTION (P.I.P.) SEPARATELY STATED IN EACH P.I.P. ENDORSEMENT MINUS (or equivalent No-fault coverage) 5 $ Ded.APPLICABLE TO THE NAMED INSURED AND RELATIVES ONLY $ INCL. ADDED P.I.P.(or equivalent added No-fault cov.) SEPARATELY STATED IN EACH ADDED P.I.P. ENDORSEMENT $ PROPERTY PROTECTION INSURANCE(P.P.I.) SEPARATELY STATED IN THE P.P.I. ENDORSEMENT MINUS (Michigan only) $ Ded. FOR EACH ACCIDENT $ AUTO MEDICAL PAYMENTS INSURANCE S $ UNINSURED MOTORISTS INSURANCE 6 $ 20,000. $ INCL. COMPREHENSIVE COVERAGE ACTUAL $ Deductible FOR EACH COVERED AUTO FOR ALL $ o Z 10 GR COST OF LOSS EXCEPT FIRE OR LIGHTNING1 ,821 , �� SPECIFIED PERILS COVERAGE I REPAIR, $25 Deductible FOR EACH COVERED AUTO FOR LOSS $ c N WHICHEVER CAUSED BY MISCHIEF OR VANDALISM z COLLISION COVERAGE 1 0, IMi, 1NUS $ Deductible FOR EACH COVERED AUTO $ TOWING AND LABOR; 2. n California) 1$25 for each disablement of a private passenger auto $ FORMS AND ENDORSEMENTS CONTAINED IN THIS POLICY AT ITS INCEPTION A8391A,A8384A,A771 (1-78 A773b(1-80),A854a(6-78),A921 (4-78),A922b(8-80),A914(1-78), PREMIUM FOR ENDORSEMENTS $ A8478,A8609,A5225_725 ESTIMATED TOTAL PREMIUM $ 21 ,619, The estimated total premium for this policy is based on the exposures you told us you would have when this policy began. We will compute your final premium due when we determine your actual exposures. The estimated total premium will be credited against the final premium due and you will be billed for the balance,if any. If the estimated total premium exceeds the final premium due you will get a refund. To determine your final premium due we may examine your records at any time during the period of coverage and up to three years afterward. If this policy is issued for more than one year, the premium shall be computed annually based on our rates or premiums in effect at the beginning of each year of the policy. Premium is payable: On effective date of policy S ; 1st Anniversary $ 2nd Anniversary S ITEM THREE—DESCRIPTION OF COVERED AUTO DESIGNATION SYMBOLS SYMBOL DESCRIPTION SYMBOL DESCRIPTION 1 = ANY AUTO. 6 _ OWNED AUTOS SUBJECT TO A COMPULSORY UNINSURED MOTORISTS LAW. 2 — OWNED AUTOS ONLY. Only those autos you own which, because of the law in the state where Only those autos you own land for liability coverage any trailers you don't they are licensed or principally garaged, are required to have and cannot own while attached to power units you own). This includes those autos reject uninsured motorists insurance. This includes those autos whose whose ownership you acquire after the policy begins. ownership you acquire after the policy begins provided they are subject 3 = OWNED PRIVATE PASSENGER AUTOS ONLY. to the same state uninsured motorists requirement. Only the private passenger autos you own. This includes those private 7 -- SPECIFICALLY DESCRIBED AUTOS. passenger autos whose ownership you acquire after the policy begins. Only those autos described in ITEM FOUR for which a premium charge is 4 — OWNED AUTOS OTHER THAN PRIVATE PASSENGER AUTOS ONLY. shown (and for liability coverage any trailers you don't own while attached Only those autos you own which are not of the private passenger type to any power unit described in ITEM FOUR). (and for liability coverage any trailers you don't own while attached to 8 - HIrerD AUTOS ONLY. power units you own). This includes those autos, not of the private pas- Only those autos you tease, hire, rent or borrow. This does not include senger type, whose ownership you acquire after the policy begins. any auto you lease, hire, rent, or borrow from any of your employees or 5 — OWNED AUTOS SUBJECT TO NO-FAULT. members of their households. Only those autos you own which are required to have No-Fault benefits in 9 — NONOWNED AUTOS ONLY. the state where they a e licensed or principally garaged. This includes Only those autos you do not own, lease, hire or borrow which are used in those autos whose owl r hip you acquire after a policy begins provided connection with your business. This includes autos owned by your em- they are required to t ve -Fault benefits ' he state where they are ployees or members of their households but only while used in your licensed or princip ar 6d. business or your personal affairs. Countersigned By iL� 10 — A :ed resentative THIS DECLARAT S PAGE WITH BUSINESS AUTO POLICY PROVISIONS,TOGETHER WITH ENDORSEMENTS, AUTO 8381-1(ED.4.78) IF ANY, ISSUED TO FORM A PART THEREOF,COMPLETES THE ABOVE NUMBERED POLICY. .i.s.«h.�wi.�.wawba.4'i.'..w+:..ivMwJrnZr MwF..`.'" ,'..•: :• u 'LfIK?�•}�O °�.{"t'KfY'MC1,{�D � a -:' :.. ..':'. ..::rw:�.:>� tala2frti...a+-....:r:'�w.�...q'�1r+'►Fwi �:�t!'oY' :�+''9�_�,'.�.�7nY.fi'rty� ;}hf.' � �':d, .. ,tA .. _ ... . - NAME OF COMPANY ---- ` THE CONTINENTAL INSURANCE COMPANY' AUTOMOBILE INSTALLMENT f, ORSEMENT IN CONSIDERATION OF THE ADDITIONAL CHARGE OF$ FOR EACH INSTALLMENT SPECIFIED BELOW, IT IS AGREED THAT THE PREMIUM IS PAYABLE IN INSTALLMENTS AS FOLLOWS: INSTALLMENT TOTAL EACH DUE DATE INSTALLMENT FO tCO, yA N 1-1-32 3,647. '4 y 4-1-82 6,486. (/ 7-1-32 6,486. sF % _ Y TOTAL—I.- 21 619. (THE ADDITIONAL CHARGE,NAMELY S FOR EACH INSTALLMENT IS INCLUDED IN THE TOTAL POLICY PREMIUM). THIS ENDORSEMENT FORMS A PART OF POLICY NO.: ISSUED TO: LRA 195 11 23 Town of Southold POLICY TERM—FROM 1-1-82 TO 1-1-83 PRODUCER Val Stype 9t Sons Inc. ` INSURED'S AUTO 52250 PRINTED IN U.S.A. COPY AU 'OfO p 0 Ilqml& I r""" y r.. pss3MESS AU i O POLICY WIICK REFERENCE LX C 1ARA T 10"e S- fknowss Aute PaW Beginning On Page PART 1 WORDS AND PHRASES WITH SPECIAL MEANING 1 PART II WHICH AUTOS ARE COVERED AUTOS 1 PART III WHERE AND WHEN THIS POLICY COVERS 1 PART IV LIABILITY INSURANCE 2 A. We Will Pay B. We Will Also Pay C. We Will Not Cover—Exclusions D. Who is Insured E. Our Limit Of Liability F. Out Of State Extensions PART V PHYSICAL DAMAGE INSURANCE 3 A. We Will Pay B. We Will Also Pay C. We Will Not Cover—Exclusions D. How We Will Pay—The Most We Will Pay E. Glass Breakage—Hitting A Bird Or Animal PART VI CONDITIONS 4 A. Your Duties After Accident Or Loss B. Other Insurance C. Our Right To Recover From Others D. Cancelling This Policy E. Legal Action Against Us F. Inspection G. Changes H. Transfer Of Your Interest I. No Benefit To Bailee J. Bankruptcy K. Appraisal For Physical Damage Losses L. Two Or More Policies Issued By Us IMPORTANT:This Quick Reference is not part of the Business Auto Policy and does not provide coveraf Refer to the Business Auto Policy itself for the actual contractual provisions. PLEASE READ THE BUSINESS AUTO POLICY CAREFULLY. BUSINESS AUTO POLICY Ed. 1-80 In return for the payment of the premium and subject to all the terms of this policy, we agree with you as follows: PART I - WORDS AND PHRASES WITH SPECIAL MEANING - READ THEM CAREFULLY The following words and phrases have special meaning G. "Loss" means direct and accidental damage or toss throughout this policy and appear in boldface type when used: H. "Mobile equipment"means any of the following type of A. "You" and "your' mean the person or organization land vehicles: shown as the named insured in ITEM ONE of the dec- 1. Specialized equipment such as: Bulldozers: Pow" larations. shovels., Rollers,graders or scraom:Farm tns[n:n B. "We"•"us"and"our mean the company providing tre cry. Cranes: Street sweeoers or other cjeaneri_ i)Q insurance. gers: FoWitts. Pumps, Gefwators. Air C_,, -,Lxm cors, Dro.ls, ©cher sa7-war MCwp�*+M+t C. "Accident" includes continuous or repeated exposure , iVef" i to the same conditions resu+trnq ,n bodily injurySid property damage the insured neither l,pKled np► - , '.gist tended. ww",.c I.-Opo vo JW"&*sr «4.1110.4wy Ile D. "Auto" means a land motor vehscle, trji;+e+ 1W ;-"" -W 4W_,Wa ..r,"„� trailer designed for travel on public roads but does not 'x"1104 include mobile equipment. 4 Venrctes not requtrld b be hCerned E. "Bodily injury' means bodily injury, sickness or des e5. Autos mainWrnedforuse soletyonrowpram•se�sor ase including death resulting from any of these. that part of roads or other accesses that adjoin your F. "Insured"means any person or organization qualifying premises. as an insured in the WHO IS INSURED section of the applicable insurance. Except with respect to our limit I. "Property damage" means damage to or loss of use of of liability,the insurance afforded applies separately to tangible property. each insured who is seeking coverage or against whom a claim is made or suit is brought. J. "Trailer" includes semitrailer. PART II - WHICH AUTOS ARE COVERED AUTOS A. ITEM TWO of the declarations shows the autos that are a. We already insure all autos that you own for that covered autos for each of your coverages.The numeri- coverage or it replaces an auto you previously cal symbols explained in ITEM THREE of the declara- owned that had that coverage; and tions describe which autos are covered autos. The symbols entered next to a coverage designate the only b. You tell us within 30 days after you acquire it autos that are covered autos. that you want us to insure it for that coverage. B. OWNED AUTOS YOU ACQUIRE AFTER THE POLICY C. CERTAIN TRAILERS AND MOBILE EQUIPMENT. BEGINS. If the policy provides liability insurance, the following 1. If symbols "1", "2", "3", "4", "5"or"15"are entered types of vehicles are covered autos for liability insur- next to a coverage in ITEM TWO, then you already ante: have coverage for autos of the type described until 1. Trailers with a load capacity of 2,000 pounds or less the policy ends. designed primarily for travel on public roads. 2. But, if symbol "7" is entered next to a coverage in ITEM TWO, an auto you acquire will be a covered 2• Mobile equipment while being carried or towed by a auto for that coverage only if: covered auto. PART III - WHERE AND WHEN THIS POLICY COVERS We cover accidents or losses which occur during the pol- icy period: A. In the United States of America, its territories or pos- B. While the covered auto is being transported between sessions, Puerto Rico or Canada; or any of these places. i AUTO 8384A Copyright, Insurance Services Office, 1977, 1979 Page 1 of S x Ed. 1-80 y �,�� ry -- LIABILITY INSURANCE A WE W1LL PAY. 6. Property damage to property owned or transported We will pay ail sums the insured legally must pay as by the insured or in the insured'&Care, custody or damages t5ecause of bodily injury or property dam. control. age to «n ch tn,s insurance appl+es, caused by an 7. Bodily injury or property damage resulting from accident and resuit+nq from the ownership, main• the handling of property: tenance or use of a covered auto. a. Before it is moved from the place where it 2. We have the right and duty to defend any suit asking is accepted by the insured for movement in- for these damages. However, we have no duty to to or onto the covered auto, or defend suits for bodily injury or property damage b. After it is moved from the covered auto to not covered by this policy. We may investigate and the place where it is finally delivered by the settle any claim or suit as we consider appropriate. insured. Our payment of the LIABILITY INSURANCE limit ends our duty to defend or settle. 8. Bodily injury or property damage resulting from B. WE WILL ALSO PAY. the movement of property by a mechanical de- vice (other than a hand truck) not attached to In addition to our limit of liability, we will pay for the the covered auto. Insured: 9. Bodily injury or property damage caused by the 1. Up to$250 for cost of bail bonds(including bonds dumping, discharge or escape of irritants, pol- for related traffic law violations) required because lutants or contaminants. This exclusion does of an accident we cover. We do not have to furnish not apply if the discharge is sudden and accidental. these bonds. 2. Premiums on appeal bonds in any suit we defend. D. WHO IS INSURED. 3. Premiums on ►+onds to re!ease attachments .n J wit we ;e!end but only !or r,nds up to our hm,t ct I. You are an insured for any covered auto. lu,p,i,ry 2. Anrcne else is an insured while using with your s A I COVS !.ur.± ro the insured , a su,t we Cefend permission a covered auto you own, hire or bor- t. A:i r except: .�.;er¢st a :r;;.r,,t Jl,er ;� .e cntrr cf the !uc:he• ow ..,�,�• s •.., t .e :e'enq Our t:.:;'✓ !7 G.1'✓ �n;r�rc>St �"*'s ��*^•+ car ,r een;er our ^- t c! ,. a The owner of a covered auto you hire or bor- "y rcw from one of your employees or a mem- 5 Wy ;Or +JSS p} earn+nk5 tDu2 not ctrPr ter of his or her household. nc?rre i a.ause of attendance at near+ngs or tr,&s b. Someone using a covered auto while he or at our request, she is working in a business of selling, ser- a. Other reasonable expenses incurred at our request. ".icing, repairing or parking autos unless that business is yours. C. WE WILL NOT COVER — EXCLUSIONS. C. Anyone other than your employees, a lessee This insurance does not apply to: or borrower or any of their employees, while 1.. Liability assumed under any contract or agreement. moving property to or from a covered auto. 2. Any obligation for which the insured or his or her in- 3. Anyone liable for the conduct of an insured de- surer may be held liable under any workers'com- scribed above is an insured but only to the extent of pensation or disability benefits law or under any that liability. However, the owner or anyone else similar law. from whom you hire or borrow a covered auto is an insured only if that auto is a trailer connected to a 3. Any obligation of the insured to indemnify another covered auto you own. for damages resulting from bodily injury to the in- sureds employee. E. OUR LIMIT OF LIABILITY. 4. Bodily injury to any fellow employee of the insured 1. Regardless of the number of covered autos, in- arising out of and in the course of his or her employ- ment. sureds,claims made or vehicles involved in the ac. arising cident, the most we will pay for all damages result- ing from any one accident is the LIABILITY INSUR- 5 Bodily injury to any employee e!the insured arisingANCE limit shown in the declarations. out of and in the course of h s or her employment 2. All bodily injuryand prorty_ resulting by the insured.However,this exclusion does not ap• from continuous or repe ted expose egto substan. ply to bodily injury to comestic employees not en. tially the same conditions will be considered as re- titled to workers compensation benefits. sulting from one accident. AUTO 8384A Copyright, Insurance Services Office, 1977, 1979 Page 2of 5 Ed. i-80 F. OUT OF STATE EXTENSIONS OF COVERAGE. 1. While a covered auto is away from the state where it b. Provide the minimum amounts and types of is licensed we will: other coverages, such as`No-Faurt-,reov•rd of a. Increase this policy's liability limits to meet those out of state vehoCies by the jurisdiction where the specified by a compulsory or financial responsi- Covered SoAD is be-,ng used bility law in the jurisdiction where the covered 2. We will not pay ancone more than once for the auto is being used. same elerner:ts of Ac�%%txn<juse of these ex:rns:ons PART V - PHYSICAL DAMAGE INSURANCE A. WE WILL PAY. 1. We will pay for loss to a covered au"or its eOwD S logs cAv^*d tv ment under. a. Comprehenshe C~u& I`carr+ a✓or caL~ n 0�, Lass •a tScw 'Im6% -r #,,Ww s.•..r+s •*c .c+"�i cept the C 11'*Erd 6%44-a.'C.i'�uom-111 be--t"W1 co *%Jk:C*WO ;Kt ce tt ovitwurn e�1► b. Specolled Pends Coverage. Causal by i Less =O tali, rlK0011% aI i.+rtvo %C1,014 14 VIKV-&3�A 0'4 l I) P or explosion. devices des er d for us* wvth 'round tlpro iucsiov equipment. r.c:storm, hail or earthquake; 8. Loss to any sound receiving equipment designed -*A for use as a citizens' band radio, two-way moble l� sc!i of or vandalism: radio or telephone or scanning monitor receiver, '^e s rk nq. burning, collision or derailment including its antennas and other accessories,unless i-f --nveyance transporting the covered permanently installed in the dash or console open- Auto ing normally used by the auto manufacturer for Cau=tion Coverage.Caused by the covered autos the installation of a radio. -,­ .%:!,i .,nattier object or its overturn. D. HOW WE WILL PAY FOR LOSSES — THE MOST WE 2 To+xne WILL PAY. Mfe . t_ar !o S25 !3r 1Cw,ng and labor costs in- 1. At our option we may: a co-.erW auto of the private pas- a. Pay for,repair orreplace damaged orstolen prop- .er,rr !,pe :; c sabred. However, the labor must erty; or cc at the place of disablement. b. Return the stolen property, at our expense. We B t WILL ALSO PAY. will pay for any damage that results to the auto from the theft. We w+1 1'-i r=+r uo to $10 per day to a maximum of 2. The most we will pay for loss is the smaller of the SJC4 = - *tir'a >Orl expense incurred by you be. following amounts: ciu-i' --,r !• -4`1 :^e!t of a covered auto of the private p"wrFrvior to;* we am coy only for those covered a The actual cash value of the damaged or stolen sins '-, ••^.ch you c.vry eAt:n CornWehMI'vo or property at the time of ions. Spot .tat1 i r+ ' t -vwme* to -I pee !cr tranaOo-na h To-,# crtt -.1 rvP&,-ns for 0`0TI& eON[tPw dr"%*t hcn ex�=ssryt� . ► ;teevnCrrtr. e[ ++d� a i sw�cg. -x -W rq.IK[ wA R^a�+]t':et ttMe vne!t"!"ncAr4L retAt'-34 ,Gt t.`4 X0 c-y s expiration, wflen the covered aYto is returned to 1 For each covered aft. our 0b11&itrOn to 13+y t':"- use or we pay for its loss. repair, return or replace damaged or stolen prop- erty will be reduced by the applicable deductible C. WE WILL NOT COVER — EXCLUSIONS. shown in the declarations.Any Comprehensive Cov- This insurance does not apply to: erage deductible shown in the declarations does not apply to loss caused by fire or lightning. 1. Wear and tear, freezing, mechanical or electrical E. GLASS BREAKAGE — HITTING A BIRD OR AN- breakdown unless caused by other loss covered by IMAL — FALLING OBJECTS OR MISSILES this policy. We will pay for glass breakage, loss caused by 2. Blowouts, punctures or other road damage to tires hitting a bird or animal or by falling objects or unless caused by other loss covered by this policy. missiles under Comprehensive Coverage if you 3. Loss caused by declared or undeclared war or in, carry Comprehensive Coverage for the damaged surrection or any of their consequences. covered auto. However, you have the option of having glass breakage caused by a covered auto's 4. Loss caused by the explosion of a nuclear weapon collision or overturn considered a loss under Col- or its consequences. lision Coverage. l Page 3 of 5 AUTO 8384A Copyright, Insurance Services Office, 1977, 1979 Ed. 1-80` pAXT V1 - CONDITIONS The insurance provided by this policy is subject to the fol- whom we make payment must transfer to us his orher lowing conditions: rights of recovery against any other party.This person A YOUR DUTIES AFTER ACCIDENT OR LOSS. must do everything necessary to secure these rights I. You must promptly notify us or our agent of any and must do nothing that would jeopardize them. accident or loss- You must tell us how, when and D. CANCELLING THIS POLICY DURING THE POUCY where the accident or loss happened. You must PERIOD. assist in obtaining the names and addresses of any injured persons and witnesses. 1. You may cancel the policy by returning it to us or by giving us advance notice of the date cancellation is 2. Additionally,you and other involved insureds must: to take effect. a. Cooperate with us in the investigation, settle- 2. We may cancel the policy by mailing you at least 10 ment or defense of any claim or suit.No insured days notice at your last address known by us. We shall, except at his or her own cost, voluntarily may deliver any notice instead of mailing it.Proof of make any payment,assume any obligation or in- mailing of any notice will be sufficient proof of cur any expense. notice. b. Immediately send us copies of any notices or 3. The effective date of cancellation stated in the no- legal papers received in connection with the ac- tice shall become the end of the policy period. cident or loss. 4. If this policy is cancelled, you may be entitled to a C. Submit at our expense and as often as we re• premium refund. If so,we will send you the refund. quire to physical examinations by physicians we However, making or offering to make the refund is ..r ect. not a condition of cancellation. If you cancel, the 1 s,.tno+ :e us to obta•n mea'cal reports and other refund, .f any,will be computed in accordance with -xr•t rte:cal informet on_ the customary short rate procedure. If we cancel, ••- �..-r �-.loss��a crve+rd auto Cr the refund, if any, will be computed pro rata. You ­u%t vo ir=e 'o,io ,nj, E LEGAL ACTION AGAINST US. r.] -,e ^e :arra(,Yd No legal action may be brought against us until there `"t' to'=•r :z ' ' x c•spaVtKon has been full compliance with all the terms of this r '`21 +fraux'4^,r atter loss m our Policy. In addition, under LIABILITY INSURANCE, no ' :' '" t "(* -1- 4 auto .,orn furner 'egal action may tie brought against us until we agree ass in writing that the Insured has an obligation to pay or until the amount of that obligation has been finally de- t- Submit a proof of lou when repuaed by us. termined by judgment atter trial.No person or organi- d. Promptly notify the police it t''e covered auto or zation has any right under this policy to bring us into any of its equipment is stolen. any action to determine the liability of the insured. B. OTHER INSURANCE. F. INSPECTION. I. For any covered auto you own this policy provides At our option we may inspect your property and opera- primary insurance. For any covered auto you don't tions at any time.These inspections are for our benefit own,the insurance provided by this policy is excess only. By our right to inspect or by our making any in- over any other collectible insurance. However, spection we make no representation that your prop- while a covered auto which is a trailer is connected erty or operations are safe, not harmful to health or to another vehicle the liability coverage this policy comply with any law, rule or regulation. provides for the trailer a. Is excess while it is connected to a motor vehicle G. CHANGES. you don't own. This policy contains all the agreements between you b. Is puma and us.Its terms may not be changed or waived except ry while it is connected to a covered auto by endorsement issued you awn. by us. If a change requires a premium adjustment,we will adjust the premium as of 2 V,t en TWO M rr%ore policies cover cn the same basis, the effective date of change. If we revise this policy e tr$er excess or Cr,mary, we will pay only our share. form to provide more coverage without additional pre- Our s::are is tre prcacrucn that the limit of our pol- mium charge your policy will automatically provide the Icy _ears to the total of the limits of all the policies additional coverage as of the day the revision is effec- 6:ever,rg on the same basis. five in your state. C OUR RIGHT TO RECOVER FROM OTHERS. H. TRANSFER OF YOUR INTEREST IN THIS POLICY. l' 0% —ake any payment, we are entitled to recover Your rights and duties under this what w+ aid from other partes. Any person to or for assigned without our written consenolicy may not be t AUTO 83eAA Copyright,Insurance Services Office, 1977 1979 Page 4 of 5 � > i i Ed. 1-80 their differences to the umpire.An award in writing I. NO BENEFIT TO BAILEE— PHYSICAL DAMAGE of any two shall determine the amount of loss.You INSURANCE ONLY. and we shall each pay the chosen appraiser and we will not recognize any assignment or grant any shall bear equally the other expenses of the ap- coverage for the benefit of any person or organization praisal and umpire. holding, storing or transporting property for a fee re gardless of any other provision of this policy. 2. bWe y any shall act t be el to have appraisal.ved anof our rights J. BANKRUPTCY. Bankruptcy or insolvency of the insured shall not re- L. TWO OR MORE POLICIES ISSUED BY US. lieve us of any obligations under this policy. If this policy and any other policy issued to you K. APPRAISAL FOR PHYSICAL DAMAGE LOSSES. by us or any company affiliated with us apply to 1. If you and we fail to agree as to the amount of loss the same accident, the aggregate maximum lim- either may demand an appraisal of the loss.In such it of liability under all the policies shall not exceed event,you and we shall each select a competent ap- the highest applicable limit of liability under any praiser,and the appraisers shall select a competent one policy. This condition does not apply to any and disinterested umpire. The appraisers shall policy issued by us or an affiliated company spe state separately the actual cash value and the cifically to apply as excess insurance over this amount of loss, and, failing to agree, shall submit policy. t 3 i 1 AUTO 8384A Copyright, Insurance Services Office, 1977, 1979 Page 5 of 5 Ed. 1-80 This endorsement forms a part of the designated policy and applies, unless otherwise stated herein, as of the effective time and date of such policy. na 3-3-82 CLBAN Issued By J0 a.195 11 23 Producer's Producer's Code Effective Name 19__af AA. and �....«�..k Address Named F LADOITIONAL ACCOUNT OF THE FOLLOWING THE Insured and Address PREMIUM IS$ (Number and Street,Town or RETURN PREMIUM IS f City,County and State) L I Composite Rating Endorsement It is agreed that the premium for insurance afforded by this policy shall be com- puted on the basis of per auto defined as a land motor vehicle, trailer or semi trailer designed for travel on public roads but does not include mobile equipment. It is agreed that if the insurance affored by this policy under coverage B is subject to an aggregate limit of liability within the meaning of the Limits of Liability section of the comprehensive general liability insurance coverage part, such aggregate limit of liability shall be applicable notwithstanding the rating basis used in connection with such insurance. Schedule Coverage Auto Liability APIP UM Premium Basis Rates Advance Premium Private Passenger Types 26. 283.923 7,382. Light Trucks (0 lbs GVW) 14. 201.929 2,827. Medium Trucks ( - lbs GVW) 28. 196.321 5,497. Auto Physical Damage 15,706. Comprehensive Private Passenger Types 20. 40. 062 801 . — Light Trucks (0-10,000 lbs GVW) 9. 22.257 200. Medium Trucks (10,001-20,000lbs GVW) 5. 43.704 219. Mobile Equipment 7. 85.847 601 . 1 ,821. This endorsement shal of bindi u the company unless countersigned by a duly authorized representative of the company. Countersigned by LIAR 7251 CSP — PR/NTEO IN U.S-A. This endorsement forms a part of the designated policy and applies, unless otherwise stated herein, as of the effective time and date of such policy- na 3-3-82 Policy No. Issued By ]0 LBA 195 11 23 Producer's Producer's Code Effective Name ---- 19_at M. and Address Named F ON ACCOUNT OF THE FOLLOWING TME Insured - and Address Aoo17�oNAL PREMIUM IS f (Number and Street,Town or RETURN PREMIUM 15 City,County and State) L J Composite Rate Endorsement (Continued — Coverage Premium Basis Rates Advanced Premium Auto Physical Damage Collision Private Passengger 20. 149.950 2,999. Light Trucks (0-10,001 lbs. GVW) 5. 73. 656. 369. Medium Trucks (10,001-20,000 lbs. GVW) 2. 303.00 606. Mobile Equipment 1 . 118. 00 118. 4,092. Total 21 ,619. This endorsement s I not a bind' / e company unless countersigned by a duly authorized representative of the company. Countersigned by LIAR 7251 C—P PRINTED IN U.S.A. This endorsement forms a part of the designated policy and applies, unless otherwise stated herein, as of the effective time and date of such policy. na 3-3-82 Issued By JO C;Z� 95 11 23 Producer's Code Eff Producer's ective Name 9—at—A. and Address Named r — Insured ON ACCOUNT OF THE FOLLOWING THE and Address ADDITIONAL PREMIUM IS$ (Number and Street,Town Or RETURN PREMIUM IS s City,County and State) L J AUTO PHYSICAL DAMAGE SCHEDULE T Autos and Mobile Equipment Comprehensive: All with Model Year 1977 and newer are provided with comprehensive coverage with $500. Deductible Except: Year Make VIN 77 International 4H2AOHB36933 No Coverage There is no comprehensive coverage for autos or mobile equipment with model years prior to 1977 except: Year Make VIN Comp. Deductible 73 International 3H3AOCHB423520� 0. 75 Ford 447259 500. 68 Mobil Sweeper - 15556F4KH 500. 75 Dodge D14BB5S139620 500. 67 Mobil Sweeper 2TE4742630 500. 72 International 2139 500. 75 Dodge D14BB5S139621 500. 75 Sidewalk Loader 500. 76 Ford F37YEC26061 500. 75 Ford F37YEV63895 500. 63 Chrysler TH42L9A19930J 500. 76 Ford F6B53A221499F 500. 75 Mercury 5Z63AJ40291 500. _ 72 Matador A2A187H292700 500. 72 Matador A2A157E147464 500. 74 Ford E31GHT30305 500. 76 Ford F6B53A221502 500. This endorsement sh of b inding up* he company unless countersigned by a duly authorized representative of the company. Countersigned by LIAR 7251 C—P PRINTED IN U.S.A. This endorsement forms a part of the designated policy and applies, unless otherwise stated herein, as of the effective time and date of such policy. na 3-3-82 Policy No. Issued ByJ0 LBA 195 11 23 Producer's Code Effective Producer's 19_of .M Name .., and Address Named r Insured ON ACCOUNT OF THE FOLLOWING THE and Address AOaITIaNAL PREMIUM IS$ (Number and Street,Town or RETURN PREMIUM IS f Ciay,County and State) L J Collision: All autos and mobile equ.ipment model year 1977 and newer are provided with collision coverage with 500. deductible except: Year Make VIN Coverage Remarks 77 International 4H2AOHB36933 No Coverage 77 Dodge D81GR7J001431 No Coverage 77 Dodge D81GR7J001432 No Coverage 77 Ford E14HH24041D No Coverage 79 Fiatallis 145C64M04089 No Coverage 79 International B480003B00599X No Coverage There is no collision coverage for autos or mobile equipment with model years prior to 1977 except: Year Make VIN Deductible 67 Mobile Sweeper 2TE4742630 500. 76 Ford F37YECZ6061 500. 63 Chrysler TH42BA199305 500. 75 Mercury 5Z63A540291 500. 74 Ford E31GHT30305 500. This endorsement shat t b binding upon the ompany unless countersigned by a duly authorized representative of the company. Countersigned by LIAR 7251 —P PRINTED IN U.S.A. DECLARATIONS—BUSINESS AUTO P LICY—(Continued) . PART 3 POLICY ER: LBA— 195 11 23 ITEM FIVE—SCHEDULE OF HIRED OR B WED COVERED AUTO COVERAGE AND PREM LIABILITY INSURANCE—RATING BASIS,COST OF HIRE STATE ESTIMATED COST OF HIRE FOR EACH STATE RATE PER EACH $100 COST OF HIRE PREMIUM NY 661999 If Any INCL. TOTAL PREMIUM Cost of hire means the total amount you incur for the hire of autos you don't own(not including autos you borrow or rent from your employees or their family members). Cost of hire does not include charges for services performed by motor carriers of property or passengers. PHYSICAL DAMAGE INSURANCE LIMIT OF LIABILITY COVERAGES THE MOST WE WILL PAY, RATE MINIMUM PREMIUM PREMIUM DEDUCTIBLE ACTUAL CASH VALUE,COST OF REPAIRS OR COMPREHENSIVE $ WHICHEVER IS LESS MINUS $ Ded.for EACH COVERED AUTO, FOR ALL LOSS EXCEPT FIRE OR LIGHTNING ACTUAL CASH VALUE,COST OF REPAIRS OR $ WHICHEVER IS LESS, MINUS SPECIFIED PERILS $25 Ded. FOR EACH COVERED AUTO, FOR LOSS CAUSED BY MALICIOUS MISCHIEF OR VANDALISM. ACTUAL CASH VALUE,COST OF REPAIRS OR COLLISION $ WHICHEVER IS LESS, MINUS $ Ded. FOR EACH COVERED AUTO TOTAL PREMIUM PHYSICAL DAMAGE INSURANCE for covered autos you hire or borrow is excess unless indicated below by"0" ❑If this box is checked, PHYSICAL DAMAGE INSURANCE applies on a direct primary basis and for purposes of the condition entitled OTHER INSURANCE,any covered auto you hire or borrow is deemed to be a covered auto you own. ITEM SIX — SCHEDULE FOR NON-OWNERSHIP LIABILITY NAMED INSURED'S BUSINESS RATING BASIS NUMBER PREMIUM OTHER THAN A SOCIAL SERVICE AGENCY NUMBER OF EMPLOYEES 125 660299 s INCL. SOCIAL SERVICE AGENCY NUMBER'OF EMPLOYEES $ NUMBER OF VOLUNTEERS $ S ITEM SEVEN—SCHEDULE FOR GROSS RECEIPTS OR MILEAGE BASIS—LIABILITY INSURANCE—PUBLIC AUTO OR LEASING RENTAL CONCERNS Estimated Yearly RATES PREMIUMS ❑Gross Receipts ❑ Per$100 of Gross Receipts- ❑ Mileage ❑ Per Mile LIABILITY INSURANCE AUTO MEDICAL PAYMENTS LIABILITY INSURANCE AUTO MEDICAL PAYMENTS S S S S a s $ $ When useq as a premium basis: TOTAL PREMIUMS $ $ FOR PUBLIC AUTOS MINIMUM PREMIUMS $ is Gross Receipts means the total amount to which you are entitled for transporting passengers, mail or merchandise during the policy period regardless of whether you or any other carrier originate the transportation. Gross Receipts does not include: A. Amounts you pay to railroads, steamship lines,airlines and other motor carriers operating under their own ICC or PUC permits. B. Advertising Revenue. C. Taxes which you collect as a separate item and remit directly to a governmental division. D. C.O.D.collections for cost of mail or merchandise including collection fees. Mileage means the total live and dead mileage of all revenue producing units operated during the policy period. FOR RENTAL OR LEASING CONCERNS Gross Receipts means the total amount to which you are entitled for the leasing or rental of autos during the policy period and includes taxes except those taxes which you collect as a separate item and remit directly to a governmental division. Mkage means the total of all live and dead mileage developed by all the autos you leased or rented to others during the policy period. Includes Copyrighted Material of insurance Services Office,With Its.Permission "�^ '� '� �•��•.-� k. �, sr��'. COPYRIGHT.INSURANCE SERVICES OFFICE.1977. 1979 A771 �[AUTH E NTIC� (Ed. 1-78) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 01 12 (Ed.01 78) CHANGES IN POLICY—NEW YORK For a covered auto licensed or principally garaged B. CHANGES IN CONDITIONS in, or for garage operations conducted in New York, CANCELLING THIS POLICY DURING THE POL- the policy is changed as follows: ICY PERIOD applies except that if we cancel we A. CHANGES IN UNINSURED MOTORISTS INSUR- will mail you at least 20 days notice for any rea- ANCE son other than nonpayment of premium. UNINSURED MOTORISTS INSURANCE does not apply to an accident occurring in New York to the extent that coverage is afforded by the New York Automobile Accident Indemnification En- dorsement. Copyright, Insurance Services Office, 1977 yytM.a...mn.:.•�"r AUTHENTIC A7731: (Ed. 1-80. C THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 01 18 (Ed. 01 80) CHANGES IN POLICY—LOADING AND UNLOADING--NEW YORK LIABILITY INSURANCE for a covered auto licensed or principally garaged in New York is changed as follows: A. The exclusion relating to the loading or unloading of property does not apply. B. WHO IS INSURED does not include anyone loading or unloading a covered auto except you, your employ- ees, a lessee or borrower or any of their employees. Copyright, Insurance Services Office, 1977, 1978, 1979 AUTHENTIC A854a (Ed. 6-78) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 22 32 (Ed. 06 78) PERSONAL INJURY PROTECTION (NEW YORK) The Company agrees with the named insured, as not include any loss sustained on account of death. follows: Basic economic loss of each eligible injured person on account of any single accident shall not exceed Section I—Personal Injury Protection $50,000, except that any death benefit hereunder The Company will pay first party benefits to reim- shall be in addition thereto. burse for basic economic loss sustained by an eligible injured person on account of personal in- Medical Expense juries caused by an accident arising out of the use Medical expense shall consist of necessary expenses or operation of a motor vehicle. This coverage for: applies only to motor vehicle accidents which occur (a) medical, hospital, surgical, nursing, dental, am- during the policy period and on or after December bulance, x-ray, prescription drug and prosthetic Y, 1977 and within the United States of America, services; its territories or possessions, or Canada. (b) psychiatric, physical and occupational therapy First Party Benefits and rehabilitation; First party benefits, other than death benefits, are (c) any non-medical remedial care and treatment payments equal to basic economic loss, reduced by rendered in accordance with a religious method the following: aof healing recognized by the laws of New York; (a) 20 per cent of the eligible injured person's loss (d) any other professional health services. of earnings from work to the extent that an eligible injured person's basic economic loss These medical expenses will not be subject to a time consists of such loss of earnings; limitation, provided that within one year after the date of the accident it is ascertainable that further (b) amounts recovered or recoverable on account of medical expenses may be sustained as a result of personal injury to an eligible injured person the injury. Payments hereunder for necessary med- under State or Federal laws providing social se- ical expenses shall be subject to the limitations and curity disability or workmen's compensation requirements of Section 678 of the New York in- benefits, or disability benefits under article nine surance Law. of the New York Workmen's Compensation Law; (c) the amount of any applicable deductible, pro- Work Loss vided that such deductible shall apply to each Work loss shall consist of the sum of the following accident, but only to the total of first party bene- losses and expenses, up to $1,000 per month for a fits otherwise payable to the named insured and period of three years from the date of the accident: any relative as a result of that accident; and (a) loss of earnings from work which the eligible (d) amounts recovered or recoverable on account of injured person would have parformed had such personal injury to an eligible injured person for person not been injured, except that an em- any element of basic economic loss under State ployee who is entitled to receive monetary pay- or Federal laws providing Medicare benefits ments, pursuant to statute or contract with the (other than lifetime reserve days and provided employer, or who receives voluntary monetary further that the Medicare benefits utilized here- benefits paid for by the employer, by reason of in do not result in a reduction of such person's such employee's inability to work because of Medicare benefits for a subsequent illness or personal injury arising out of the use or opera- injury). tion of a motor vehicle, shall not be entitled to receive first party benefits for loss of earnings Basic Economic Loss from work to the extent that such monetary Basic economic loss shall consist of medical ex- payments or benefits from the employer do not pense, work loss, other expense and when death result in the employee suffering a reduction in income or a reduction in such employee's level occurs, a death benefit as herein provided. Except of future benefits arising from a subsequent ill- for such death benefit, basic economic loss shall ness or injury; and =' Copyright, Insurance Services Office, 1977, 1978 Page 1 of 4 (b) reasonable and necessary expenses sustained by the eligible injured person in obtainingser- occupying a bus or school bus, as�defined in vices in lieu of those which such person would Sections 104 and 142 of the New York Vehicle have performed for income. and Traffic Law, unless that person is the oper- ator, an owner, or an employee of the owner or Other Expenses operator, of such bus or school bus; Other expenses shall consist of all reasonable and (d) any person in New York State while occupying necessary expenses, other than medical expenses the insured motor vehicle which is a bus or and work loss, up to $25 per day for a period of one school bus, as defined in Sections 104 and 142 year from the date of the accident causing injury. of the New York Vehicle and Traffic Law, but only if such person is a named insured or rela- Death Benefit tive under any other policy providing the cover- age required by the New York Comprehensive Upon the death of any eligible injured person, Automobile Insurance Reparations Act; however, caused by an accident to which this coverage apthis exclusion does not apply to the operator, an plies, the Company will pay to the estate of such owner, or an employee of the owner or operator, person a death benefit of$2,000. of such bus or school bus. Eligible Injured Person (e) any person while occu eying a motorcycle; An eligible injured person is: (f) any person who intentionally causes his own (a) the named insured and any relative who sus- personal injury; tains personal injury arising out of the use or (g) any person as a result of operating a motor ve- operation of any motor vehicle; or hicle while in an intoxicated condition or while (b) any other person who sustains personal injury his ability to operate such vehicle is impaired arising out of the use or operation of the insured by the use of a drug (within the meaning of motor vehic!e in the State of New York while Section 1192 of the New York Vehicle and not occupying another motor vehicle. Traffic Law); or Exclusions (h) any person while (i) committing an act which would constitute a This coverage does not apply to personal injury y, sustained by: felon or seeking to avoid lawful apprehen- sion or arrest by a law enforcement officer; (a) the named insured or relative while occupying, (ii) operating a motor vehicle in a race or speed or while a pedestrian through being struck by, test; or any motor vehicle owned by the named insured with respect to which the coverage required b (���) operating or occupying a motor vehicle the New York Comprehensive Automobile In- surance Reparations Act is not in effect; Other Definitions (b) any relative while occupying, or while a pedes- When used in reference to this coverage: trian through being struck by, any motor vehicle owned by the relative with respect to which the (a) "the insured motor vehicle" means a motor ve- coverage required by the New York Comprehen- hicle owned by the named insured and to which sive Automobile Insurance Reparations Act is the bodily injury liability insurance of this not in effect; policy applies and for which a specific premium (c) the named insured or relative while occupying, is charged; or while a pedestrian through being struckbyy, (b) "Motorcycle" means a vehicle as defined in a motor vehicle in New York State, other than Section 123 of the New York Vehicle and Traffic the insured motor vehicle, with respect to which Law; the coverage required by the New York Com- prehensive Automobile Insurance Reparations (c) fined�nvhicle"Section 311 ofa meansathe NewmotorehicleYork Vehicle Act is in effect; however this exclusion does not and Traffic Law, except that it shall include fire apply to personal injury sustained in New York and police vehicles, and it shall not include a State by the named insured or relative while motorcycle; A854a (Ed. 6-78) Copyright, Insurance Services Office, 1977, 1978 Page 2 of 4 (d) "named insured" means the person or organiza- treatment received and contemplated. Upon request tion named in'the declarations; by the Company the eligible injured person or some- (e) "occupying" means in or upon or entering into one on his behalf shall: or alighting from; (a) execute a written proof of claim under oath; (f) "personal injury" means bodily injury, sickness (b) provide authorization that will enable the Com- or disease; pany to obtain medical records; and (g) "relative" means a spouse, child, or other person (c) provide any other pertinent information that may related to the named insured by blood, marriage, assist the Company in determining the amount or adoption (including a ward or foster child), due and payable. who regularly resides in the insured's household, including any such person who regularly resides The eligible injured person shall submit to medical in the household, but is temporarily living else- examination by physicians selected by, or accept- where; and able to, the Company, when, and as often as, the (h) "use or operation" of a motor vehicle includes Company may reasonably require. the loading or unloading of such vehicle but Arbitration. In the event any person making a claim does not include conduct within the course of a for first party benefits and the Company do not agree business of repairing, servicing, or otherwise regarding any matter relating to the claim, such per- maintaining motor vehicles, unless the conduct son shall have the option of submitting such dis- occurs off the business premises. agreement to arbitration pursuant to procedures promulgated or approved by the Superintendent of Conditions Insurance. Action Against Company. No action shall lie against Reimbursement and Trust Agreement. To the extent the Company unless, as a condition precedent there- that the Company pays first party benefits, the Com- to, there shall have been full compliance with the pany is entitled to the proceeds of any settlement terms of this coverage. or judgment resulting from the exercise of any right of recovery for damages for personal injury under Notice. In the event of an accident, written notice Section 673(2) of the New York Insurance Law. The setting forth details sufficient to identify the eligible Company shall have a lien upon any such settlement injured person, along with reasonably obtainable in- or judgment to the extent that the Company has formation regarding the time, place and circum- paid first party benefits. An eligible injured person stances of the accident, shall be given by, or on be- shall: half of, each eligible injured person, to the Company, or any of the Company's authorized agents, as soon (a) hold in trust, for the benefit of the Company, all as reasonably practicable, but in no event more than rights of recovery which he shall have for per- 90 days after the date of the accident, unless the sonal injury under Section 673(2) of the New eligible injured person submits written proof that it York Insurance Law; was impossible to comply with such time limitation (b) do whatever is proper to secure, and shall do due to specific circumstances beyond such person's nothing to prejudice, such rights; and control. If an eligible injured person or his legal representative institutes a proceeding to recover (c) execute, and deliver to the Company, instru- damages for personal injury under Section 673(2) ments and papers as may be appropriate to se- of the New York Insurance Law, a copy of the sum- cure the rights and obligations of such person mons and complaint or other process served in and the Company established by this provision. connection with such action shall be forwarded as soon as practicable to the Company or any of the An eligible injured persor shall not compromise an Company's authorized agents by such eligible in- action to recover damages brought under Section jured person or his legal representative. 673(2) of the New York Insurance Law except: Proof of Claim; Medical and Earnings Reports. As (a) with the written consent of the Company, or soon as reasonably practicable, the eligible injured (b) with approval of the court, or person or someone on his behalf shall give to the Company written proof of claim, including full par- (c) where the amount of the settlement exceeds ticulars of the nature and extent of the injuries and $50,000. A854a (Ed. 6-78) Copyright, Insurance Services Office, 1977, 1978 Page 3 of 4 Other Coverage. Where more than one source of that element of loss with such other'mandatory first party benefits required by Article XVIII of the insurance until the $50,000 limit of this coverage New York Insurance Law and Article VI or VIII of the is exhausted by the payment of that element of New York Vehicle and Traffic Law is available and loss and any other elements of loss. applicable to an eligible injured person in any one accident, this Company is liable to an eligible in- Section II—Excess Coverage jured person only for an amount equal to the max- If automobile medical payments coverage or any imum amount that the eligible injured person is entitled to recover under this coverage, divided by disability coverages or uninsured motorists coverage the number of available and applicable sources of are afforded under this policy, such coverages shall required first party benefits. An eligible injured per- be excess insurance over any mandatory or addi- son shall not recover duplicate benefits for the same tional personal injury protection benefits paid or elements of loss under this coverage or any other payable, or which would be paid or payable but for mandatory first-party automobile or no-fault automo- the application of a deductible, under this or any bile insurance coverage issued in compliance with other automobile no-fault insurance policy. the laws of another state. If the eligible injured person is entitled to benefits under any such man- Section 1I1—Constitutionality datory first-party automobile or no-fault automobile If it is conclusively determined by a court of com- insurance for the same elements of loss under this petent jurisdiction that the New York Comprehen- coverage this Company shall be liable only for an sive Automobile Insurance Reparations Act, or any amount equal to the proportion that the total amendment thereto, is invalid or unenforceable in amount available under this coverage bears to the whole or in part, then, subject to the approval of the sum of the amount available under this coverage Superintendent of Insurance, the Company may and the amount available under such other man- amend this policy and may also recompute the datory insurance for the common elements of loss. However, where another state's mandatory first-party Premium for the existing or amended policy. or no-fault automobile insurance law provides un- These amendments and recomputations will be limited coverage available to an eligible injured per- effective retroactively to the date that such Act or son for an element of loss under this coverage, the any amendment is deemed to be invalid or unen- obligation of this Company is to share equally for forceable in whole or in part. ''` A854a (Ed. 6-78) Copyright, Insurance Services Office, 1977, 1978 _ Page 4 of 4 . , IMPORTANT NOTICE • DEAR POLICYHOLDER; The new law requires that "Supplementary Uninsured" and "Underinsured Motorists" coverages be made available to you. Please read the following explanation of these coverages. "Uninsured" and "Underinsured" Motorists coverages will be offered to all policyholders in amounts of insurance up to the stated limits of liability for bodily injury liability, but not in excess of $100,000 each person, $300,000 each accident. By law, you must carry at least $10,000 each person and $20,000 each accident of Uninsured Motorists Coverage. Definition: "Uninsured Motorists" insurance applies to accidents caused by vehicle owners or operators who do not have liability insurance. Example: Mr. Jones is involved in an accident with Mr. Smith. Mr. Smith not only was at fault, but he did not carry liability insurance. Mr. Jones can report the claim to his own insurance company, under his "Uninsured Motorists" coverage. Definition: "Underinsured Motorists" insurance applies to accidents caused by persons who have liability insurance, but the amount of coverage they have is less than the amount of "Underinsured Motorists" coverage available to the innocent victim. Example: Mr. Smith causes an accident with Mr. Jones. Mr. Smith's liability insurance is for $20,000 each person and $40,000 each accident. Mr. Jones carries $50,000 each person and $100,000 each accident under his policy for "Underinsured Motorists"coverage. Mr. Jones' "Underinsured Motorists" coverage will be avail- able if his claim against Mr. Smith exceeds Mr. Smith's liability coverage. ADDITIONAL COSTS 1. The annual additional costs per vehicle for Uninsured Motorists coverage are: LIMITS ADDITIONAL CHARGES $ 25,000 each person, $ 50,000 each accident $2.00 $ 50,000 each person, $100,000 each accident $4.00 $100,000 each person, $300,000 each accident $6.00 NOTE:This coverage is available only if Underinsured Motorists coverage is also purchased. 2. The annual additional costs, per vehicle for Underinsured Motorists coverage vary depending upon where you garage your car: ADDITIONAL CHARGES LIMITS MINIMUM MAXIMUM $ 25,000 each person, $ 50,000 each accident $ 4.00 $ 9.00 $ 50,000 each person, $100,000 each accident $ 7.00 $17.00 $100,000 each person, $300,000 each accident $12.00 $28.00 NOTE:This coverage is available only if Supplementary Uninsured Motorists coverage is also purchased. If you want these coverages to be added to your renewal policy(applicable to policies effective on or after December 1, 1977), please check the appropriate box or boxes below.sign this form, insert vour policy number and return this form to your agent promptly. A. ❑ I want"Supplementary Uninsured Motorists"coverage at the same limits as my Bodily Injury Liability Coverage. (Maximum of 5100,000 each person, $300,000 each accident), including Underinsured Motorists coverage. B. ❑ I want "Supplementary Uninsured Motorists"Coverage at limits of $ each person,S each accident. including Underinsured Motorists coverage. If you have selected additional coverage,please be sure to sign this form, insert your policy number and return this form to your agent. Signature of Named Insured Policy Number Date 19 THE CONTINENTAL INSURANCE COMPANIES AUTO 8391A Dear Policyholder: Enclosed is your renewal automobile policy. There have been several changes in automobile insurance since your last policy was issued: 1. CUSTOMIZED VANS, PANEL TRUCKS, AND PICK-UP TRUCKS Your new policy eliminates coverage for decorations and improvements made to certain types of vehicles. The "customizing" of vans, panel trucks, and pick-up trucks has become increasingly popular. The interiors fre- quently have built in carpeting, furniture, bars, television sets, stoves and other facilities for using the vehicle as a residence. Because of the growing number of claims for damage to, or loss of such property, it has become necessary to allow coverage for exterior and interior customizing materials only by making a specific charge for them. Your enclosed policy does not cover these features. If we did not exclude this property it could result in an increased premium for all policyholders, regardless of vehicle type. If you own such a customized vehicle, you can have your policy amended to include coverage on customized features for an additional premium by contacting your agent. 2. CREDITS FOR ANTI-THEFT DEVICES There is now available to you a reduced premium for comprehensive coverage (that is, coverage for damage to or loss of, your car caused other than by colliding with other objects or by overturn). In order to qualify for a reduced premium your car must be equipped with: A. A hood lock which can only be released from inside the vehicle, and B. One of the following devices. 1. Alarm The required alarm is one which will sound loud enough to be heard at a distance of 300 feet for at least three minutes. 2. Manually Set Disabling Device This is a device which disables the vehicle by making the fuel, ignition or starting system inoperative, and has to be set, such as by turning a key. 3. Automatic Disabling Device This is a device similar to a manually set device as described above, but which is engaged automatically with- out having to be set. (Note: This does not include the locking of the steering wheel when the ignition key is removed). If your car has one of these devices, AND the required hood lock, please contact your agent for the required form to be completed. 3. AUTOMATIC RESTRAINTS There is also available to you a reduced premium for Medical Payments coverage or No-Fault coverage if your car is equipped with any factory installed automatic restraint system which meets published federal safety stan- dards. If your car has such equipment, please ccntact your agent for the required form to be completed. The Continental Insurance Companies AUTO 8478 Printed in U.S.A IMPORTANT NOTICE Enclosed is your renewal policy of automobile insurance. You may qualify for a reduction in your automobile insurance premium if the principal operator of your car(s)has on or after January 1, 1980 completed a Defensive Driving Course, of a type approved by the New York Department Of Motor Vehicles. You will be-eligible for a reduction in your liability premium and no-fault insurance, if: 1. Your vehicle is of the Private Passenger type, and 2. The principal operator of the vehicle has a completion certificate,dated within the last 36 months but no earlier than January 1,1980, certifying that he or she has successfully completed a Defensive Driving Course meeting the standards established by the National Safety Council. If you own more than one car,the discount will only apply to the premiums for the car—or cars—which are principally operated by the person(s) completing the course. The discount will apply for a period of 36 months starting with the next renewal following the date that the course was completed. If the principal operator of an owned vehicle has completed such a course,the premium reduction can be obtained by submitting the original cerfificate of completion to your agent or broker. It will be returned to you after copies are made. The specific course, as previously stated, must be one which meets the National Safety Council Standards. The Continental Insurance Companies Aubo 8609 NNW in U.S.A. AUTHENTIC A914 (Ed. 1-78) C THIS-ENDORSEMENT CHANGES THE POLICY. PLEASE MEAD IT CAREFULLY. CA 2X 17 (Ed.01 78) UNINSURED MOTORISTS INSURANCE A. WORDS AND PHRASES WITH SPECIAL MEAN- B. WE WILL PAY ING 1. We will pay all sums the insured is legally en- In addition to the WORDS AND PHRASES WITH titled to recover as damages from the owner SPECIAL MEANING in the policy, the following or driver of an uninsured motor vehicle. The words and phrases have special meaning for UN- damages must result from bodily injury sus- INSURED MOTORISTS INSURANCE: tained by the insured caused by an accident. -�; The owner's or driver's liability for these dam- 1. "Family member" means a person related to ages must result from the ownership, mainte- you by blood, marriage or adoption who is a nance or use of the uninsured motor vehicle. resident of your household, including a ward or foster child. 2. If this insurance provides a limit in excess of the amounts required by the applicable law 2. "Occupying" means in, upon, getting in, on, where a covered auto is principally garaged, out or off. we will pay only after all liability bonds or policies have been exhausted by judgments or 3. "Uninsured motor vehicle" means a land mo- payments. for vehicle or trailer: 3. Any judgment for damages arising out of a a. For which no liability bond or policy at the suit brought without our written consent is not time of an accident provides at least the binding on us. amounts required by the applicable law where a covered auto is principally ga- C. WE WILL NOT COVER—EXCLUSIONS ( raged, or This insurance does not apply to: b. For which the sum of all liability bonds or 1. Any claim settled without our consent. policies at the time of an accident pro- vides at least the amounts required by the 2. The direct or indirect benefit of any insurer or applicable law where a covered auto is self-insurer under any workers' compensation, principally garaged but their limits are less disability benefits or similar law. than the limit of this insurance, or 3. Bodily injurysustained by you or any family c. For which an insuring or bonding company member while occupying or struck by any ve- denies coverage or is or becomes insol- hicle owned by you or any family member vent, or which is not a covered auto. d. Which is a hit-and-run vehicle and neither 4. Anyone using a vehicle without a reasonable the driver nor owner can be identified. The belief that the person is entitled to do so. vehicle must hit an insured, a covered auto D. WHO IS INSURED or a vehicle an insured is occupying. _ However, "uninsured motor vehicle" does not 1. You or any family member. include any vehicle: 2. Anyone else occupying a covered auto or a temporary substitute for a covered auto. The a. Owned or operated by a self-insurer under covered auto must be out of service because any applicable motor vehicle law. of its breakdown, repair, servicing, loss or b. Owned by a governmental unit or agency. destruction. 3. Anyone for damages he is entitled to recover c. Designed for use mainly off public roads because of bodily injury sustained by another while not on public roads. insured. Copyright, Insurance Services Office, 1977 Page 1 of 2 E. OUR LIMIT OF LIABILITY a. Promptly notify the police if a hit-and-run 1. Regardless of the number of covered autos, driver is involved, and insureds, claims made or vehicles involved in b. Promptly send us copies of the legal Pa- the accident, the most we will pay for all dam- pers if a suit is brought. ages resulting from any one accident is the 3. OUR RIGHT TO RECOVER FROM OTHERS is limit of UNINSURED MOTORISTS INSUR- changed by adding the following: ANCE shown in the declarations. 2. Any amount payable under the insurance shall If we make any payment and the insured re- covers from another party, the insured shall be reduced by: hold the proceeds in trust for us and pay us a. All sums paid or payable under any work- back the amount we have paid. ers' compensation, disability benefits or 4. The following Condition is added: similar law, and ARBITRATION b. All sums paid by or for anyone who is le- gally responsible, including all sums paid a. If we and an insured disagree whether the under the policy's LIABILITY INSURANCE, insured is legally entitled to recover dam- ages from the owner or driver of an unin- 3. Any amount paid under this insurance will re- sured motor vehicle or do not agree as to duce any amount an insured may be paid un- the amount of damages, either party may der the policy's LIABILITY INSURANCE. make a written demand for arbitration. In this event, each party will select an arbi- trator. The two arbitrators will select a F. CHANGES IN CONDITIONS third. If they cannot agree within 30 days, either may request that selection be made The CONDITIONS of the policy are changed for by a judge of a court having jurisdiction. UNINSURED MOTORISTS INSURANCE as fol- Each party wil pay the expenses it incurs lows: and bear the expenses of the third arbi- C 1. The reference in OTHER INSURANCE to trator equally. "other collectible insurance" applies only to b. Unless both parties agree otherwise, arbi- other collectible uninsured motorists insur- tration will take place in the county in ance. which the insured lives. Local rules of law as to arbitration procedure and evidence 2. YOUR DUTIES AFTER ACCIDENT OR LOSS is will apply. A decision agreed to by two of changed by adding the following: the arbitrators will be binding. A914(Ed. 1-78) Copyright, Insurance Services Office, 1977 Page 2 of 2 • t �AUTH E NTlC� A921 (Ed.4-78) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 01 24 (Ed. 04 78) CHANGES IN POLICY—OUR LIMIT OF LIABILITY--NEW YORK LIABILITY INSURANCE for a covered auto licensed or principally garaged in, or garaged operations conducted in, New York, is changed as follows: OUR LIMIT OF LIABILITY applies except that we will apply the limit shown in the declarations to first pro- vide the separate limits required by the New York Motor Vehicle Safety Responsibility Act as follows: A. $10,000 for bodily injury to any one person caused by any one accident, B. $20,000 for bodily injury to two or more persons caused by any one accident, and C. $5,000 for property damage caused by any one accident. This provision will not change our total limit of liability. I Copyright, Insurance Services Office, 1978 „,► tom, A922b *AUttTHENTIC (Ed. 8-80) !pM L StPYWt� THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 01 21 (Ed. 08 80) MANDATORY PHYSICAL DAMAGE COVERAGE ENDORSEMENT—NEW YORK PHYSICAL DAMAGE INSURANCE for a covered auto 3. When an inspection is required by us you licensed or principally garaged in New York is must cooperate and make the auto available changed as follows: for the inspection. A. Mandatory Inspection for Physical B. Auto Repairs Under Physical Damage Coverage Damage Coverage Payment of a physical damage loss shall not be 1. We have the right to inspect any private pas- conditioned upon the repair of the auto. How- senger auto, including a non-owned auto, in- ever we shall be entitled to the following: sured or intended to be insured under this 1. A completed "Certification of Automobile Re- policy before physical damage coverage shall pairs” as prescribed by the New York State be effective, except to the extent that this Insurance Department; right is prescribed and limited by New York State Insurance Department Regulation No. 2. If the auto is repaired, an itemized repair in- 79 (11 NYCRR 67). voice prepared by the auto repairer, and 2. During the term of the policy, coverage for 3. An inspection of the auto, whether or not the an additional or replacement private pas- auto is repaired. senger auto shall not become effective until C. Recovery of Stolen or Abandoned Autos you notify us and request coverage for the auto. However if you replace a private pas- If a private passenger auto insured under this senger auto insured with us for at least 12 policy for physical damage coverage is stolen months before the replacement date, we or abandoned, we or our authorized representa- will provide the same coverage which ap- tive shall, when notified of the location of the plied to the replaced auto for 3 days begin- auto, have the right to take custody of the auto ning on the date you acquire the replace- for safekeeping. ment auto.We will also provide an additional day of coverage for each Saturday, Sunday or legal holiday falling within the 3 days. After 3 days, coverage will not apply until you notify us and request coverage for the auto. Copyright, Insurance Services Office, 1980 I OFFICE OF TOWN CLERK TOWN OF SOUTHOLD JUDITH T.TERRY SUFFOLK COUNTY TELEPHONE TOWN CLERK (516) 765-1801 REGISTRAR OI VITAL STATISTICS Southold, L. I., N. Y. 11971 April 8, 1982 Bill : The Town recently purchased two 150 H.P. Mercury Outboard motors for the Privateer Police Boat from Strong' s Marine at a total cost of $6, 692. 00. Please be sure these motors are covered by insurance. Also, the Town is entering into an agreement with the County of Suffolk for the dredging of a navigation channel in West Creek, New Suffolk. In the past the Town has held hold harmless insurance (according to Bob Tasker ) . Please do the same with this. Copy attached. Thank you. - � ��'L.'Yw�f{Xh".`�".�'f'�Yw"Rs`+7'��cn" q+i'r'w«n�R7Mi47R�`".•:?µ.""tpXrtar,`.h,:.."';u..—x;—x i `.e!-y n.- ..e..rrYauM'"9f?+r•rnyt.Jti-;m ' Binder No. - c1cord 9 awl • '•' ' ' • FMP22926 NAME AND ADDRESS OF AGENCY COMPANY UTICA NATIONAL GROUP McMann rice Agency, Inc. Effective 2�.m January 1st 19 82 828 Front Street Expires 12:01 am January_lst-- 19 85_ Greenport, New York 11944 issued -- ❑This binder is issued to extend coverage in the above named company per expiring policy#(except as noted below) NAME AND MAILING ADDRESS OF INSURED Description of Operation/Vehicles/Property Town of Southold All operations per premium quotation, Southold, New York 11971 except automobile Type and Location of Property l Coverage/Perils/Forms Amt of Insurance Ded. �` -- P Building and Contents per schedule at All Risk Coverage-Building $1, 334, 600 $500 R various locations throughout the town. All Risk Coverage-Contents $ 203, 500 $500 P Contractor's Equipment Floater All Risk Coverage 199, 000. $500, E R Valuable Papers All Risk-Inside $50, 000/Outs de $5, 000. $500 T Y Four Patrol Boats - All Risk Coverage $ 35, 000, $5001 Type of Insurance Coverage/Forms 1 Limits of Liability L Each Occurrence I Aggregate 1 ❑ Scheduled Form XComprehensive Form Bodily Injury $ $ A X Premises/Operations Various Property B X Products/Completed Operations Damage $ $ L X Contractual Bodily Injury & 1 ❑Other (specify below) Property Damage T ❑ Med. Pay. $ Per $ Per Combined $500, 000. $ 500, 000. Y X Personal Injury Person Accident I@ A 0 B 12 C L Personal Injury $ 500, 000. A Limits of Liability-- - - -- U ❑ Liability ❑ Non-owned ❑ Hired lBodily Injury (Each Person) $ T ❑Comprehensive-Deductible $ Bodily Injury (Each Occurrence) $ O ❑Collision-Deductible $ - �— M ❑ Medical Payments $ NONE Property Damage $ O ❑ Uninsured Motorist $ 1 ❑ No Fault(specify): Bodily Injury & Property Damage L ❑Other(specify): Combined $ E ❑ WORKERS' COMPENSATION — Statutory Limits (specify states below) ❑ EMPLOYERS' LIABILITY — Limit $ SPECIAL CONDITIONS/OTHER COVERAGES NAME AND ADDRESS OF❑ MORTGAGEE ❑ LOSS PAYEE ADD'L INSURED LOAN NUMBER As per specifications 12-31-81 Signature of Authorized Rep entativ Date ACORD 75(6-77) e ;.� � ,r rx r Y` z � s n r , F r, CONDITIONS M1 This Company binds the kind(s)of insurance stipulated on the reverse side.This insurance is subject to the terms, conditions and limitations of-the:,perlicy(ies) in current use by the Company. <_ w, This binder may be cancelled by the Insured by surrender of this binder or by written notice to the Com- pany stating when cancellation will be effective.This binder may be cancelled by the Company by notice to the Ios4red in accordance with the policy conditions.This binder is cancelled when replaced by a pol- icy. If this binder is not replaced by a policy,the Company is entitled to charge a premium for the binder according to the Rules and Rates in use by the Company. r ry� x , w. e .. �Y __ 1 ' Binder No. - - 0:0rdo • •• • •, •• • . • • •. • •. FMP22926 NAME AND ADDRESS OF AGENCY COMPANY UTICA NATIONAL GROUP McMann Price Agency, Inc. Effective 12:01 a. m Januar 1st 19 82 828 Front Street y Greenport, New York 11944 Expires 12:01 am Januar- 1st 19 85 ❑This binder is issued to extend coverage in the above named company per expiring policy# (except as noted below) NAME AND MAILING ADDRESS OF INSURED Description of Operation/Vehicles/Property Town of Southold Southold, New York 11971 Type and Location of Property Coverage/Perils/Forms Amt of Insurance Ded. P R 0 P E R T Y Type of Insurance Coverage/Forms Limits of Liability L Each Occurrence Aggregate 1 ❑ Scheduled Form ❑Comprehensive Form Bodily Injury $ $ A ❑ Premises/Operations Property B 1 ❑ Products/Completed Operations Damage $ $ L ❑Contractual Bodily Injury & 1 ❑Other (specify below) Property Damage Y ❑ Med. Pay. $ Per $ Per Combined $ Person Accident ❑ Personal Injury ❑ A ❑ B ❑ C Personal Injury $ A r Limits of Liability U ❑ Liability ❑ Non-owned ❑ Hired Bodily Injury (Each Person) $ T ❑Comprehensive-Deductible $ Bodily Injury (Each Occurrence) $ 0 ❑Collision-Deductible $ M ❑ Medical Payments $ Property Damage $ 0 B ❑ Uninsured Motorist $ 1 ❑ No Fault(specify): Bodily Injury & Property Damage L ❑Other (specify): Combined $ E ❑ WORKERS' COMPENSATION — Statutory Limits (specify states below) ❑ EMPLOYERS' LIABILITY — Limit $ SPECIAL CONDITIONS/OTHER COVERAGES Blanket Position Bond-$25, 000. insuring agreement 4 - Additional Indemnity as follows: ( 1) Supervisor - $190, 000. (2 ) Deputy Supervisor - $190, 000. (3 ) Tax Receiver - $75, 000. (4) Account Clerk - $50, 000. Covers all employees, all elected-or aointed officials, boards etc. NAME AND ADDRESS OF❑ MORTGAGEE ❑ LOSS PAYEE ❑ADD'L INSURED LOAN NUMBER f 12-31-811 ignatuRre of Authorized pr tative Date ACORD 75(6-77) IE 41 r y, ' Zi , r 1 A A.;9 l is r , CONDITIONS .rtr tit This Company binds the kind(s) of insurance stipulated on the reverse side. This insurance is subject to the terms, conditions and limitations of the policy(ies) in current use by the Company... This binder may be cancelled by the Insured by surrender of this binder or by written notice to the Com- pany stating when cancellation will be effective.This binder may be cancelled by the Company by notice �� { to the Insured in accordance with the policy conditions.This binder is cancelled when replaced by a pol- icy. If this binder is not replaced by a policy,the Company is entitled to charge a premium fortiie binder according to the Rules and Rates in use by the Company. fw o-.e v rb Binder No. 10SURANCE BINDER aCOrdTHIS BINDERINSURANCETO THE . . - .- NAME AND ADDRESS OF AGENCY COMPANY Boston Old Colony Val Stype & Sons , Inc. Effective 12:01a m 1/1 . 1982 Main Road Expires ❑ 12:01 am :"%Nt0Pl policy 12s issue Mattituck, INY 11952 ❑This binder is issued to extend coverage in the above named' company per expiring policy # (except as noted below) � NAME AND MAILING ADDRESS OF INSURED Description of Operation/Vehicles/Property iI Town of Southold Municipality 53095 Main Road Southold, IZY 11971 claim Type and Location of Property Coverage/Perils/Forms Amt of Insurance Ded. % P R 0 P E R T Y Type of Insurance Coverage/Forms Limits of Liability L Each Occurrence Aggregate 1 ❑ Scheduled Form ❑Comprehensive Form Bodily Injury $ $ A ❑ Premises/Operations Property B 1 ❑ Products/Completed Operations. Damage $ $ L ❑Contractual Bodily Injury & 1 ❑Other (specify below) Property Damage T ❑ Med. Pay. $ Per $ Per Combined $ Y Person Accident ❑ Personal Injury ❑ A ❑ B ❑ C Personal Injury Is A Limits of Liability U M Liability El Non-owned C3 Hired Bodily Injury (Each Person) $ T ®Comprehensive-Deductible $ per Schedule As Per Rid Bodily Injury (Each Accident) $ ® 0 Collision-Deductible 0 ® Medical Payments $ Schedule Property Damage $ B )SI Uninsured Motorist $ 1 E No Fault(specify): Bodily Injury & Property Damage L ❑Other (specify): Combined $500,000 E ❑ WORKERS' COMPENSATION — Statutory Limits (specify states below) ❑ EMPLOYERS' LIABILITY — Limit $ SPECIAL CONDITIONS/OTHER COVE GE NAME AND ADDRESS OF ❑ MORTGAGEE ❑ LOSS PAYEE ❑ADD'L INSURED LOAN NUMBER like Sig t of Authorizedep entative ate ACORD 75(11-77) OWN] N l�1p1111IaVll �i II � � � � :. �� z. o LA .. r y -, CONDITIONS == S This Company binds the kind(s) of insurance stipulated on the reverse side. This insurance is subject to the terms, conditions and limitations of the policy(ies) in current use by the Company. This binder may be cancelled by the'rt d'by sur'rend-er"of lhis bihder or by written notice to the ; 4 Company , g y Y A y by noice tothe Insured ancacco'dancebwith fthe lvpol cys o'nd tions. This Cb binder iisbcancel ed when replaced by a policy. If this binder is not replaced by a policy, the Company is entitled to charge a premium for the binder according to the Rules and Rates in use by the Company. _*. 4; mss` _ ~1 Binder No. ASURANCE BINDER 0THIS BINDER IS A TEMPORARY INSURANCE CONTRACT, SUBJECT TO THE CONDITIONS SHOWN ON THE REVERSE SIDE OF THIS FORM.AND ADDRESS OF AGENCY COMPANYBost©n Old CQ1©IIy Sial Stype & Sons, Inc. Effective-12:01a m 1/1 19$2 Main Road Expires ❑ 12:01 am 1 .1s issue Mattituck, NY 11952 ❑This binder is issued to extend coverage in the above named company per expiring policy# (except as noted below) NAME AND MAILING ADDRESS OF INSURED Description of Operation/Vehicles/Property Town of Southold 53495 Main Road Municipality Southold, NY 11971 Type and Location of Property Coverage/Perils/Forms amt of insurance Ded. % P R 0 P E R T Y Type of Insurance Coverage/Forms Limits of Liability L EachOccurrence Aggregate 1 ❑ Scheduled Form ❑Comprehensive Form Bodily Injury $ $ A ❑ Premises/Operations Property B 1 ❑ Products/Completed Operations. Damage $ $ L ❑ Contractual Bodily Injury & 1 ❑Other (specify below) Property Damage Pay. $ Combined $ Y ❑ Med. Pa. $ person Accident❑ Personal Injury ❑ A ❑ B ❑ C Personal Injury $ A Limits of Liability U 21 Liability :0 Non-owned tk Hired Bodily Injury (Each Person) $ T &Comprehensive-Deductible $ Bodily Injury (Each Accident) $ 0 JW Collision-Deductible $ Per Schedule As Per Bid 0 JJ Medical Payments $ Schedule Property Damage $ B :W Uninsured Motorist $ I :1 No Fault (specify): Bodily Injury & Property Damage L ❑Other (specify): Combined $500sow E ❑ WORKERS' COMPENSATION — Statutory Limits (specify states below) ❑ EMPLOYERS' LIABILITY — Limit $ SPECIAL CONDITIONS/OTHER COVERAGES NAME AND ADDRESS OF❑ MORTGAGEE ❑ LOSS PAYEE ❑ADD'L INSURED LOAN NUMBER e� Sig t of Authorized ep. entative )bitel ACORD 75(11-77) ,et•,.. .......,, ­p!!;::!;;W ',5 ' r` Z. { �m' �v+. 4- a > a v `,�: ,'� ��� ,y, � 3• f ', °' �'% � � k"" ' `� ' y�L �c,� si` � IIS zk 4 G .a r. c t t is 4 ` CONDITIONS This Company binds the kind(s) of insurance stipulated on the reverse side.This insurance is subject # to the terms, conditions and limitations of the poljcy(ies) in current use by the Company. ' - This binder may be cancelled by the Insured by surrender of-this binder or,by written notice tti-th•e „ Company stating when cancellation 'Will tae effective. This binder may be`cancellecl by the Company by notice to the Insured in accordance with the policy conditions. This binder is cancelled when replaced by a policy. If tHiIs binder is not replaced by'a`policy, the Company is entitled to charge a premium for the binder according to the Rules and Rates in use by the Company. , s' JUDITH T.TERRY � TELEPHONE TOWN CLERK (516)765-1801 REGISTRAR OF VITAL STATISTICS OFFICE OF THE TOWN CLERK TOWN OF SOUTHOLD Town Hall, 53095 Main Road P.O. Box 728 Southold, New York 11971 December 24, 1981 Mr. William H. Price McMann-Price Agency 828 Front Street Greenport , New York 11944 Dear Mr. Price: This will confirm the action of the Southold Town Board at a regular meeting held on December 22, 1981. The Town Board accepted the proposal of Val Stype & Sons. Inc. for providing the Town of Southold with vehicle insurance coverage for one year (1982) at a premium of $21, 504. 00. The Town Board accepted the proposal of McMann- Price Agency for providing the Town of Southold with all the remaining insurance coverage, including police professional liability coverage, for a three year period (1982-1984) , at an annual premium of $52, 493. 00. Very truly yours, Judith T. Terry Southold Town Clerk cc : W. F. Mullen, Jr . s ®, JUDITH T.TERRY TELEPHONE'�• �`� � TowN CLERK (516)765-1801 REGISTRAR OF VITAL STATISTICS OFFICE OF THE TOWN CLERK TOWN OF SOUTHOLD Town Hall, 53095 Main Road P.O. Box 728 Southold, New York 11971 December 24, 1981 Mr. Andrew Stype Val Stype & Sons, Inc. Main Road Mattituck, New York 11952 Dear Mr. Stype : This will confirm the action of the Southold Town Board at a regular meeting held on December 22, 1981: The Town Board accepted the proposal of Val Stype & Sons, Inc. for providing the Town of Southold with vehicle insurance coverage for one year. (1982 ) at a premium of $21, 504. 00. The Town Board accepted the proposal of McMann- Price Agency for providing the Town of Southold with all the remaining insurance coverage, including police professional liability coverage, for a three year period (1982-1984) , at an annual premium of $52, 493. 00. Very truly yours, % L���`� j Judith T. Terry Southold Town Clerk cc : W. F. Mullen, Jr. McMANN - PRICE AGENCY WILLIAM H.PRICE 828 FRONT STREET GREENPORT. N. Y. 11944 TEL.:516-477-1680 December 4, 1981 Southold Town Board Southold, New York Gentlemen: Re: Insurance Quotation If there should be any confusion or misunderstand- ing concerning the Police Professional Liability coverage in our quotation, we would like to clarify that Utica' s quotations of $79,400 and $80,405 include the following coverages for the policemen and the Town at no additional cost: (1) False arrest, detention or imprisonment, or Malicious prosecution (2) Libel, Slander or Defamation of Character (3) Wrongful entry, eviction, or invasion of Privacy This is the same coverage carried by the Town in 1981. It was agreed then that the additional amount to buy a separate policy was not necessary because it would provide little, if any, additional coverage. It might be well to ask what the other bidder' s proposal includes in addition to the above. Mr. Stype proposes to use several companies to write the insurance. This is opposed to your preference as stated in the specifications and, also, highly inadvisable. One car- rier should write both the general liability and the automobile in such an account as this. Your specifications request a three year policy where possible. Our carrier agrees to this as it did last year. Mr. Stype' s proposal indicates one year terms on all policies. There can be variations in several of the coverages. For example, as respects the deductible for the fire and risk coverage on the building and contents, Utica's deductible is on a per occurrence basis and not per building. This could be a plus in the event of a common disaster. McMANN - PRICE AGENCY WILLIAM H. PRICE 828 FRONT STREET GREENPORT, N.Y. 11944 TEL.:516-477-1680 Page 2 We would like to call to your attention that Mr. Stype' s quotations were added incorrectly. The component premiums total: $500 deductible $80,612 $5000 deductible $79,749 And despite what you might have been led to believe ...by your risk manager, our quotations of: $500 deductible $80,405 $5000 deductible $79,400 do include Police personal injury protection. It is our understanding now that Mr. Stype's quo- tations have been changed and that our quotations have been distorted. We would appreciate the opportunity to appear before the board and present our opinion before any decision is made. If, in fact, the other bidder has had the privilege of changing his quotation, we would like to have the same privilege. Sincerely yours, i t gnsurance 12/4/81 William F. Mullen, Jr. Risk 11anager - Town of Southold 53095 Tlain lZoad Southold, New York 11971 Dear bir. 11_ullen: I would like to make note of my figure regarding optional coverage for Umbrella Liability next $5,000 ,000. Aly office can write the increased coverage, if requested, for a additional premium of $2,500. a year. This would make the $101000,000. Umbrella policy cost $180400. to the Township. If you have any questions, please contact me. Jew r y ours, AS:f f 40ISSSIO N' w�MgrwM► Main Road Mattituck, N.Y. 11952 PIA ..,�..ww.. TELEPHONE:(516)298-8481p E_ !s RANCE A�+ uAlam 6J. GAuffQn gr. LICENSED INSURANCE CONSULTANT POST OFFICE BOX 89 CUTCHOGUE,NEW YORK 11935 (515)734-7385 MEMO TO: TOWN BOARD, TOWN ATTO Y, TOWN CLERK FROM: WILLIAM MULLEN / SUBJECT: INSURANCE BID OPEfNE NOVEMBER 30, 1981 A REVIEW OF PREMIUM QUOTATIONS FROM MC MANN PRICE AGENCY AND VAL STYPE & SONS, INC. WITH TOWN ATTORNEY, ROBERT TASKER ON DECEMBER 19 1981 DISCLOSES THAT VAL SYTPE & SONS INC. IS LOWER BIDDER. $500 DEDUCTIBLE ON PROPERTY VAL STYPE MC MANN PRICE $71,088 NO POLICE PROFESSIONAL $809405 COVERAGE $789488 WITH POLICE PROFESSIONAL $84,145 COVERAGE IN ADDITION, I MUST DIRECT YOUR ATTENTION TO THE FACT THAT VAL STYPE'S PREMIUM QUOTATION SUMMARY WAS INCORRECT. THE AUTO- MOBILE QUOTATION SHOULD BE $199380 RATHER THAN $21,504 (85 UNITS TIMES $228.00) . VAL STYPE AGENCY UTILIZES TWO CARRIERS AND THUS AN ENDORSEMENT, OR A LETTER FROM THE CARRIER OF THE AUTOMOBILE COVERAGE ASSUMING EXPOSURE FOR THE LOADING AND UNLOADING COVERAGE. I THUS RECOMMEND VAL STYPE & SONS, INC. AS THE BROKER OF THE TOWN OF SOUTHOLD; BUT THE ULTIMATE DECISION HOWEVER, REMAINS WITH THE TOWN BOARD. I'LL BE HAPPY TO VERIFY THE ACCURACIES OF COVERAGES AND PRIC- ING FOR BOTH BINDERS AND POLICIES. IF McMANN - PRICE AGENCY WILLIAM H. PRICE 828 FRONT STREET GREENPORT, N.Y. 11944 TEL.:516-477-1680 November 30, 1981 Southold Town Board Southold, New York 11971 Gentlemen: Re: Insurance Bid Utica National Insurance Group Referring to " Section IV Overall Policy Standards", we would make the following comments on Premium Quotation: V-A- Quote is based on totaling all the buildings involved: Contents $203, 500. Building $1, 334, 000. The quote is for blanket coverage on building and contents with the agreed amount endorsement and no co-insurance. We are submitting, also, for your consideration, quotations for $100, deductible and $1000, deductible per occurrence. Flood Insurance is available through the National Flood Insurance Program. Rates are standard and vary according to location of building or buildings to be insured. Assuming that all buildings would not be insured against flood, the selected buildings would be subject to the standard NFIP rates and premiums. Earthquake coverage has not been included in our quotation. However, it is available. V-C- Utica Mutual will include the Police Department personnel for Personal Injury coverage per the standard form under Section II of the policjr, as it has during 1981. To provide Law Enforcement Professional Liability coverage as written through the National Sheriff's Association, would cost an additional $3740. 00 annually. V-C (10) We have quoted Employees Benefit Program coverage with limits of $100, 000, per claim and $300, 000. aggregate. If you would prefer higher limits, they are available at a nominal additional cost: $250, 000/$750, 000. $ 17. 00 additional annual premium, or, $1, 000, 000. /$3, 000, 000. $ 78. 00 additional. V-C-(12) Independent Contractors and Sub Contractors cannot be included automatically as additional insureds. The company will consider them on t individual submissions. (1 ) V-C-(20) Company will provide coverage year-round for these operations. Other comments as requested have been recorded on the quotation forms. Since rely, yours, ` f William H. Price (2 ) PREMIUM Q_TJOTAT I ON (To be submitted in duplicate ) V. A. Building and Contents A ' Deductible Fire ec and VMM All Risk Annual Cost 100 5739 1080 6819 1000 4706 886 5592 $ 500 5050 950 $6000 $ 5000 4479 842 $5321 . Carrier: Utica National Grou-p Policy Period: 1-01-82 - 1-01-85 ( 3 Years) Premium Payment Plan: Annual Installments - Then 25% the Comments: is t month and then 11 QQual monthly installments - No interest charge. B. Valuable Papers Deductible $ 500 $ 5000 Carrier: Utica National Group Policy Period: 1-01-82 - 1-01-85 Premium Payment Plan: Same as Above Comments: No Deductible Tncluded in Special Multi-Peril Policy. C. Comprehensive General Liability a. First dollar coverage : CSL - Per Occurrence and Aggrep b. (18) Police Professional liability, additional cost: 1. First Dollar Coverage : $3740. 00 - 30 - C. Comprehensive General Liability(Included in Special Multi-Peril Package Policy) Rating basis: Payroll, Units, Area Carrier: Utica National Group Premium Payment Plan: 25% Down the first, month 11 equal monthly payments thereafter. Comments: -_ -� Care, custody and Control Exclusi6n to be deleted. D. Automobile Insurance Limits — $500, 000. CSL Per Accident Rate per vehicle: $377. 19 Carrier: Utica National Insurance Group Policy Period: 1-01-82 - 1-01-83 Premium Payment Plan: 25% Down - 11 equal monthly installments E. Contractors Equipment Floater Deductible Rateper100 Exposure $ 500 . 80 per 100 Carrier: Utica National Insurance Group Policy Period: 1-01-82 - 1-01-85 Premium Payment Plan: Same as Package Policy Comments : Included in Package Policy No Coinsurance applicable F. Umbrella Liability First $ 5,000,000: $16, 800. Next $ 5,000,000: 3 6,000. Rating Basis: Carrier: Utica National Insurance Group 31 - F. Umbrella Liability- Policy Period: 1.-01-82 - 1-01-83 Premium Payment Plan: Full Payment on Inception Comments: Coverage per attached form G. Yacht Insurance Physical Damage - Deductible $ 500 Premium: $393. 00 Carrier: Utica National Insurance Group Policy Period: 1-01-82 - 1-01-85 Comments: Included in Packajae Policy H. Public Employee Blanket Bond Premium: $666. 00 Annual Carrier: Utica National Insurance Group Policy Period: 1-01-82 - 1-01-85 Comments: Included in Package Policy - 32 - PREMIUM QUOTATION SUMMARY Total annual cost of all coverages with deductibles in the property coverage. $ 500 Deductible: $80405. * $ 51000 Deductible:$79400. 19000 " : $80022. $ 100. " : $81173. ** If the Town prefers Police Pro— McMann Price Agency, Inc. fessional Liability rather than Name of Agent/Broker have the Police Dept. covered by the Personal Injury Endorsement 828 Front Street (as provided in the Package Policy, add $3740. . to each of the above Street or P.O. Box quotes. Greenport, New York 11944 City, State, and Zip William H. Price Name o Person Completing Quotation ignature President Title Date: 11-30-81 See Attached Letter for Additional Comments. 33 - The company (a mutual insurance company, herein called the company) i1icated in the declarations In consideration of the payment of the premium, in reliance upon the state- water course or body of water; but this exclusion does not apply if such ments in the declarations and subject to all the terms of the policy, discharge,dispersal,release or escape is both sudden and accidental; with the named insured as follows: (e) to advertising offense claimed for 1. COVERAGE—EXCESS LIABILITY (1) failure to perform any contract To a on behalf of the insured all sums in excess of the retained limit (2) a mistake in the advertised price or an incorrect description of any pay article or commodity which the insured shall become legally obligated to pay, with the consent (3) infringement of a patent, registered trademark, service mark or of the company,agrees to pay,direct or consequential because of: (a) personal injury trade name of goods or services sold,offered for sale or advertised, but this shall not relate to titles or slogans; (b) property damage,or (f) to personal injury or property damage arising out of the ownership, (c) advertising offense maintenance,operation,use,loading or unloading of to whch this policy applies and caused by an occurrence during the policy (1) a watercraft over 50 feet in length, if the occurrence takes place a period anywhere in the world. away from premises owned by,rented to or controlled by the named II. DEFENSE—DEFENSE COSTS—INVESTIGATION—ASSISTANCE insured,or AND COOPERATION (2) an aircraft if such watercraft or aircraft is owned or chartered without crew by or on With respect to any occurrence not covered by the policies listed in the behalf of the named insured; but this exclusion shall not apply: schedule of underlying insurance or any other insurance collectible by the (i) to liability arising out of operations performed by independent con- insured, but covered by the terms and conditions of this policy (including tractors,or damages wholly or partly within the amount of the retained limit), the (ii) to liability for personal injury to any employee of the insured company shall: arising out of and in the course of his employment by the insured (a) defend any suit against the insured alleging personal injury, prop- (subject to exclusion (a)), erty damage,or advertising offense,even if such suit is groundless, (iii) insofar as coverage is provided for such by policies listed in the false or fraudulent; but the company may make such investigation, schedule of under) to insurance; negotiation and settlement of any claim or suit as it deems expedient; y g (b) pay all premiums on bonds to release attachments for an amount not in (g) to property damage to excess of the applicable limit of liability of this policy,all premiums on (1) property owned by the insured appeal bonds required in any such defended suit, but without any obli- (2) property rented to, occupied or used by, or in the care, custody, gation to apply for or furnish any such bonds; control of the insured but only to the extent the insured provides (c) pay all expenses incurred by the company, all costs taxed against the or is under contract to provide insurance therefore; insured in any such suit and all interest accruing after entry of judg- (h) with respect to premises alienated by the name insured, work per- ment until the company has paid or tendered or deposited in court such formed by or on behalf of the named insured or the insured's prod- part of such judgment as does not exceed the limit of the company's ucts, liability thereon; (1) to any property damage to such premises,work or products which (d) reimburse the insured for all reasonable expenses, including loss of arises out of any part or portion thereof or out of any materials, earnings not to exceed $50 a day incurred at the company's request; parts or equipment furnished in connection therewith; the amounts so incurred,except settlements of claims and suits,are pay- (2) to loss of use of tangible property which has not been physically able by the company in addition to the applicable limit of liability of this injured or destroyed resulting from policy; (i) a delay in or lack of performance by or on behalf of the named (e) the insured agrees to arrange for the investigation, defense or settle- insured of any contract or agreement, or ment of any such claim or suit in any country where the company may be (ii) the failure of the insured's products or such work to meet the prevented by law from carrying out this agreement; the company will level of performance,quality,fitness,or durability warranted or pay defense expenses incurred with its written consent in addition to its represented by the named insured; applicable limit of liability under this policy and will promptly reimburse but part(2) of exclusion (h), does not apply to loss of use of other the insured for its proper share, subject to its applicable limit of liabil- tangible property resulting from the sudden and accidental physical ity under this policy,of any settlement above the retained limit made injury to or destruction of the insured's products or such work after with the company's written consent; such products or work have been put to use by any person or organ- (f) the company shall have the right to associate at its own expense with ization other than an insured; the insured or any underlying insurer in the investigation, defense or (3) to damages claimed for the withdrawal, inspection, repair, replace- settlement of any claim or suit which, in the company's opinion, may ment or loss of use of such products or work or of any property of require payment hereunder; the insured, at the company's request, which such products or work form a part, if such products, work or shall assist and cooperate in every way with respect to the handling of property are withdrawn from the market or from use because of any all claims or suits and the enforcement of all rights of salvage,contribu- known or suspected defect or deficiency therein; tion or indemnity that may affect the company's obligations under this (i) to personal injury or property damage policy; (1) with respect to which an insured under this policy is also an insured (g) the insured agrees to reimburse the company promptly for amounts under a nuclear energy liability policy issued by Nuclear Energy paid in settlement of claims or suits to the extent that such amounts are Liability Insurance Association, Mutual Atomic Energy Liability Un- within the Insured's retention as stated in the declarations; derwriters or Nuclear Insurance Association of Canada,or would be (h) this policy does not apply to defense costs covered by policies of under- an insured under any such policy but for its termination upon ex- lying insurance, haustion of its limit of liability; (2) resulting from the hazardous properties of nuclear material and 111. EXCLUSIONS with respect to which (i) any person or organization is required to maintain financial pro This policy does not apply: (a) to any obligation for which the insured or any company as Its insurer taction pursuant to the Atomic Energy Act of 1954, or any law may be held liable under any workmen's compensation, unemployment amendatory thereof,or (ii) the insured is, or had this policy not been issued would be, compensation, disability benefits low or any similar law;this exclusion, however, shall not apply to liability of others assumed by the insured entitled to indemnity from the United States of America,or any under a contract or agreement; agency thereof, under any agreement entered into by the United States of America,or any agency thereof,with any per. (b) to any employee, as an insured, with respect to personal injury to son or organization;or another employee of the some employer injured in the course of such (3) resulting from the hazardous properties of nuclear material, if employment, but this exclusion shall not apply to personal injury with (i) the nuclear material (a) is at any nuclear facility owned by, rc,r c.. ..4;�ti ; ,. n�P )<nff�rded the insured by underlying insur- or onr+rntPd by or on behalf of.an insured or(6) has been dis once; charged or dispersed they , (c) to liability assumed by the insured under a contract or agreement if the (ii)the nuclear material is contained in spent fuel or waste at occurrence is prior to the time such contract or agreement was effective; any time possessed, handled, used, processed, stored, trans- (d) to personal injury or property damage arising out of the discharge, ported or disposed of,by or on behalf of an insured;or dispersal, release or escape of smoke, vapors, soot, fumes, acids, al- (iii)the personal injury or property damage arises out of the fur- kalies,toxic chemicals,liquids or gases,waste materials or other irritants, nishing by an insured of services,materials,parts or equipment contaminants or pollutants into or upon land, the atmosphere or any in connection with the planning, construction, maintenance, operation or use of any nuclear facility, but if such'facili'y is (d; Insured includes the named insured as stated in the declarations and located within the United States of America, its territories or also includes any executive officer, director, stockholder or employee possessions or Canada,this exclusion(iii)applies only to prop- while acting within the scope of his duties as such. erty damage to such nuclear facility and any property there- If the named insured is a partnership, the unqualified word "insured" at also includes any partner thereof but only with respect to his liability as As used in this exclusion(i): such. "hazardous properties" include radioactive, toxic or explosive If the named insured is an individual, the unqualified word "insured" properties; includes the person so designated but only with respect to the conduct of "nuclear material" means source material, special nuclear mate- a business of which he is sole proprietor and also includes the spouse of rial or byproduct material; the named insured with respect to the conduct of such business. "source material," "special nuclear material,"and"byprod- The term insured also includes any other person or organization who is uct material" have the meanings given them in the Atomic Energy an insured under any policy of underlying insurance, subject to all the Act of 1954 or in any law amendatory thereof; limitations upon coverage under such policy other than the limits of the underlying insurer's liability. "spent fuel" means any fuel element or fuel component, solid or The insurance afforded applies separately to each insured against liquid, which has been used or exposed to radiation in a nuclear whom claim is made or suit is brought, but the inclusion herein of more a reactor; than one insured shall not operate to increase the limits of the com- "waste" means any waste material (1) containing by-product pany's liability. material and (2) resulting from the operation by any person or organization of any nuclear facility included within the definition (e) Occurrence means an accident,including continuous or repeated expo- of nuclear facility under paragraph (a)or (b) thereof; sure to conditions,which results in personal injury,property damage or standpoint of heoffense nsuredch is neither expected nor intended from "nuclear facility" means heandp (a) any nuclear reactor, (f) Personal injury: The words "personal injury," policy, (b) any equipment or device designed or used for (1) separating t y' p I Y as used in this 9 P shall mean: the isotopes of uranium or plutonium; (2)processing or utilizing (a) bodily injury, mental injury, mental anguish, shock, sickness, or spent fuel,or(3)handling,processing or packaging waste, disease or death resulting therefrom; (c) any equipment or device used for the processing,fabricating or (b) false arrest,false imprisonment,false eviction,or detention; alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the (c) malicious prosecution, invasion of rights of privacy, humiliation, premises where such equipment or device is located consists of libel, slander, defamation of character, infringement of copyright, or contains more than 25 grams of plutonium or uranium 233 or patents, title or slogan, excluding any such injury included within any combination thereof, or more than 250 grams of uranium the definition of advertising offense. 235, (g) Products-completed operations hazard means (1) the insured's (d) any structure,basin,excavation,premises or place prepared or products, if the personal injury or property damage occurs after used for the storage or disposal of waste, possession thereof has been relinquished to others, and (2) operations and includes the site on which any of the foregoing is located, all performed by or on behalf of the named insured (wherever performed operations conducted on such site and all premises used for such and whether or not involving the insured's products), if the personal operation; injury or property damage occurs after such operations have been "nuclear reactor" means any apparatus designed or used to sus- completed or abandoned. Operations which may require further service tain nuclear fission in a self-supporting chain reaction or to contain or maintenance work, or correction, repair or replacement because of a critical mass of fissionable material; any defect or deficiency, but which are otherwise complete, shall be "property damage includes all forms of radioactive contamina- deemed completed. nation of property; (h) Insured's products means goods or products manufactured, sold, (j) to personal injury or property damage for which liability is assumed handled or distributed by the name insured or by others trading under under any contract or agreement, if such injury or damage is due to his name. war,whether or not declared,civil war,insurrection, rebellion or revolu- (i) Property damage means(1) physical injury to or destruction of tangi- tion, or to any act or condition incident to any of the foregoing. ble property which occurs during the policy period, including the loss of use thereof at any time resulting therefrom,or(2)loss of use of tangible IV. LIMITS OF LIABILITY property which has not been physically injured or destroyed provided 1. Regardless of the number of persons or organizations who are insureds such loss of use is caused by an occurrence during the policy period, or (3) injury to intangible property which occurs during the policy period under this policy and regardless of the number of claims made and suits sustained by an organization as a result of false eviction, malicious brought against any and all insureds; prosecution, libel, slander or defamation, but excluding any such dam- (a) the total limit of the company's liability from any one occurrence shall age included within the definition of advertising offense. be the occurrence limit stated in the declarations; (j) Retained limit means as to each occurrence with respect to which (b) the company's limit shall be further limited to the amount stated in the nsur�'t ance is afforded under this policy: declarations as the aggregate limit with respect to all loss caused by one (1) if an underlying policy is also applicable or would be applicable or more occurrences during each annual policy period and arising out but for breach of policy conditions; the relevant "each person," of "each accident," "each occurrence" or similar limit of liability (1)the products-completed operations hazard stated therein(less any reduction thereof by reason of an overriding (2) all property damage aggregate limit of liability) plus all amounts payable under other (3) all advertising offense insurance,if any; (4) occupational disease sustained by employees of the insured (2) if any underlying policy otherwise applicable is inapplicable by (5) all professional liability. reason of exhaustion of an aggregate limit of liability; all amounts payable under other insurance,if any;or 2. For the purpose of determining the limits of the company's liability (3) if neither paragraphs(1)or(2)above apply and (a) all personal injury and property damage arising out of continuous (a) the insured has other insurance; all amounts payable under or repeated exposure to substantially the same general conditions;or such other insurance,but in no event less than the amount stated (b) all advertising offense involving one or more causes of injury,includ- in the declarations as the insured's retention,or ing all reproductions or repetitions thereof,regardless of the number and (b) the insured has no other insurance; the amount stated in the kind of media used; declarations as the insured's retention. shall be considered as the result of one and the some occurrence. For the purpose of determining the retained limit, "other insurance" means any other valid and collectible insurance(except under an under- V. DEFINITIONS lying policy)which is available to the insured,or would be available to (a) Advertisina offense means damages because of libel, slander, defa- the insured in the absence of this policy, it being the intention that this mation, intim,4r,nent of copyright or title or slogan, puucy, unfair com- policy shrill not apply under or contribute with such other insurance petition, idea misappropriation or invasion of rights of privacy arising unless the company's agreement thereto is endorsed hereon. out of the insured's advertising activities. (b) Automobile means a land motor vehicle,trailer or semi-trailer designed VI. CONDITIONS for travel on public roads,including any equipment attached thereto. (a) Premium: The premium for this policy is stated in the declarations and (c) Bodily injury includes sickness or disease or death resulting at any is not subject to adjustment unless otherwise indicated by an endorse- time therefrom. ment to this policy. e� the company and examine an • ' c p y y d audit the named insured's books and Gri Assignment: Assignment of interest under this policy shall not bind the records at any time during the policy period and extensions thereof and company until its consent is endorsed hereon. If, however,the insured within three years after the final termination of this policy,as for as they shall die or be adjudged bankrupt or insolvent while this policy is in relate to the subject matter of this insurance. force,this policy, unless cancelled,shall cover the insured's legal rep- resentative as insured, but only while acting within the scope of his sonably likely to involve any of the coverages of this policy, written duties as such. notice containing particulars sufficient to identify the insured and also (i) Cancellation: This policy may be cancelled by the named insured by reasonably obtainable information with respect to the time, place and surrender thereof to the company or any of its authorized agents or by circumstances thereof, and the names and addresses of the injured and mailing to the company written notice stating when thereafter the can- of available witnesses, shall be given by or for the insured to the com- cellation shall be effective.This policy may be cancelled by the company pany or any of its authorized agents as soon as practicable. by mailing to the named insured at the address shown in this policy (c) Appeals: In the event the insured or the insured's underlying written notice stating when not less than thirty days thereafter such can- t' g insur- cellation shall be effective. The mailing of notice as aforesaid shall be lire elect not to appeal a judgment which appears to the company as sufficient proof of notice. The time of the surrender or the effective date likely to involve payment under this policy, the company may elect to and hour of cancellation stated in the notice shall become the end of the make such appeal its awn cost and expense,and shall liable for policy period. Delivery of such written notice either by the named 1 the taxable costs, disbursements and interest incidental to the appeal, insured or by the company shall be equivalent to mailing. but in no event shall theliabilityof the company for any one occurrence exceed the limit of liability set forth in this policy plus such incidental If the named insured cancels, earned premium shall be computed in costs,disbursements and interest. accordance with the customary short rate table and procedure. If the company cancels,earned premium shall be computed pro rata. Premium td) Action Against Company: No action shall lie against the company adjustment may be made either at the time cancellation is effected or as unless, as a condition precedent thereto, the insured shall have fully soon as practicable after cancellation becomes effective,but payment or complied with all the terms of this policy, nor until the amount of the tender of unearned premium is not a condition of cancellation. insured's obligation to pay shall have been finally determined either If this policy insures more than one named insured,cancellation may be by judgment against the insured after actual trial or by written agree- effected by the first of such named insureds for the account of all the ment of the insured,the claimant and the company. named insureds; notice of cancellation by the company to such first Any person or organization or the legal representative thereof who has named insured shall be deemed notice to all insureds and payment of secured such judgment or written agreement shall thereafter be entitled any unearned premium to such first named insured shall be for the to recover under this policy to the extent of the insurance afforded by this account of all interests therein. policy. Nothing contained in this policy shall give any person or organi- zation any right to join the company as a co-defendant in any action (j) Maintenance of Underlying Insuranca: Each policy described in the against the insured to determine the insured's liability. declarations shall be maintained in full effect during the currency of this Bankruptcy or insolvency of the insured or of the insured's estate shall policy, except for any reduction of the aggregate limit or limits con- not relieve the company of any of its obligations hereunder. tained therein solely by payment of claims arising out of occurrences taking place during the period of this policy. Failure of the named (e) Other Insurance: If other valid and collectible insurance with any insured to comply with the foregoing shall not invalidate this policy other insurer is available to the insured covering a loss also covered by but in the event of such failure,the company shall be liable only to the this policy, other than insurance that is in excess of the insurance af- extent that it would have been liable had the named insured complied forded by this policy, the insurance afforded by this policy shall be in therewith. excess of and shall not contribute with such other insurance. Upon notice that any aggregate limit of liability under any policy of (f) Subrogation: The company shall be subrogated to the extent of any underlying insurance has been exhausted, the named insured shall payment hereunder to all the insured's rights of recovery therefor;and immediately make all reasonable efforts to reinstate such limits. the insured shall do everything necessary to secure such rights. Any The named insured shall give the company written notice as soon as amounts so recovered shall be apportioned as follows: practicable of any change in the scope of coverage or in the amount of Any interest(including the insured)having paid an amount in excess of limits of insurance under any underlying insurance,and of the termina- the retained limit plus the limit of liability hereunder shall be reimbursed tion of any coverage or exhaustion of aggregate limits of any under- first to the extent of actual payment. The company shall be reimbursed lying insurer's liability. next to the extent of its actual payment hereunder. If any balance then (k) Declarations: By acceptance of this policy the named insured agrees remains,it shall be applied to reimburse the insured or any underlying that the statements in the declarations are his agreements and repre- insurer,as their interests may appear. The expenses of all such recovery sentations, that this policy is issued in reliance upon the truth of such proceedings shall be apportioned in the ratio of respective recoveries. representations and that this policy embodies all agreements existing If there is no recovery in proceedings conducted solely by the company, between himself and the company or any of its agents relating to this it shall bear the expenses thereof. The insured shall do nothing after insurance. loss to prejudice such rights. (1) Mutuals—Participation Clause Without Contingent liability: (g) Changes: Notice to any agent or knowledge possessed by any agent No Contingent Liability: This policy is non-assessable. The policyholder or by any other person shall not effect a waiver or a change in any part is a member of the company and shall participate, to the extent and of this policy or estop the company from asserting any rights under the upon the conditions fixed and determined by the Board of Directors in terms of this policy; nor shall the terms of this policy be waived or accordance with the provisions of law in the distribution of dividends so changed,except by endorsement issued to form a part of this policy. fixed and determined. UTICA MUTUAL INSURANCE COMPANY GRAPHIC ARTS MUTUAL INSURANCE COMPANY Mutuals—Membership and Voting Notice: The insured is notified Mutuals—Membership and Voting Notice: The insured is notified that that by virtue of this policy, he is a member of the Utica Mutual Insurance by virtue of this policy,he is a member of the Graphic Arts Mutual Insurance Company of New Hartford, New York, and is entitled to vote either in Company of New Hartford,Now York,and is entitled to vote either in person person or by proxy at any and all meetings of said Company. The Annual or by proxy at any and all meetings of said Company. The Annual Meetings Meetings are held in its Home Office,New Hartford,New York,on the fourth are held in its Home Office,New Hartford, New York, on the third Monday Monday of February, in each year,at 1:30 o'clock P.M. of April, in eoch year,at 400 o'clock P.M. IN WITNESS WHEREOF, the Utica Mutual Insurance Company has caused IN WITNESS WHEREOF, the Graphic Arts Mutual Insurance Company has this policy to be signed by its president and secretary at New Hartford, New caused this policy to be signed by its president and secretary at New Hart- York, and countersigned on the declarations page by a duly authorized ford, New York, and countersigned on the declarations page by a duly representative of the Company, authorized ropresentativo of the Company. President President t Secretary Secretary U/G-P-UL Ed. 11-74(Rev. 12-79) 'J a it is agreed that covev afferftil by this poUcy dme not qmply to say xiddUty Initis 'Pidueiary Liability, arising oat of any MoplAya. Veaelit P2uw or Program, the topIxym Setiremmt Incoe SeeuAty Act of 19A (n19A), the Pensim Fara Act of 1974, or OW 400AMMts t Mto, Mrs such l M11ty is oovered by raUd sad collsetible anderlybg ineumme aria 11st*d In the Schae'imU of Unifl+erlylvS Taw e, for the fu.0 limit shcmm tborletno and than canV for ales h hanards for whieb ceve=ge 1s affordod on4er said 2aisa8 ixks� c�e. - — --- -- —-- END. NO. [ ] SUBJECT TO AUDIT NCT SUBJECT TO AUDIT (The Attaching Clause need be completed only when this endorsement is issued subsequent to preparation of the policy ) This endorsement,effe-nve forrns a part of po+cy, No 12-01 A M. standard time) sued by (Ai,Y,.n ed Ruoieserton+c Name and Address of Insured P�-,Am er Produ,,r,i No PRODUCER P-E 1Sfi F1 17 ,Y. i i - Zt is agreed that tbis policy stflsl.l not &Wly liability &rising mt of the oww"Mp, wLtutenawe, ase or opemt icon of alrfields, runways, mss• bu 1 IW or Otbeer proptsrties i9k rc►mOctiGn with mvtstifM activition or alcove rts. s i I (The Attaching Clause need be completed only when this endorsement is issued subsequent to preparation of the policy.) This endorsement, effective forms a part of policy No. (12,01 A.M.•standard time) issued to i by Producer Number i (Authorized Representative) 8 E-290 Ed.9 73 a a s McMANN - PRICE AGENCY WILLIAM H. PRICE 828 FRONT STREET GREENPORT, N. Y. 11944 TEL.:516 -477-1680 November 30, 1981 a Southold Town Board Southold, New York 11971 Gentlemen: Re: Insurance Bid Utica National Insurance Group Referring to " Section IV Overall Policy Standards", we would make the following comments on Premium Quotation: V-A- Quote is based on totaling all the buildings involved: Contents $203, 500. Building $1, 334, 000. The quote is for blanket coverage on building and contents with the agreed amount endorsement and no co-insurance. We are submitting, also, for your consideration, quotations for $100, deductible and $1.000, deductible per occurrence. Flood Insurance is available through the National Flood Insurance Program. Rates are standard and vary according to location of building or buildings to be insured. Assuming that all buildings would not be insured against flood, the selected buildings would be subject to the standard NFIP rates and premiums. Earthquake coverage has not been included in our quotation. However, it is available. V-C- Utica Mutual will include the Police Department personnel for Personal Injury coverage per the standard for,:n under Section II of the policy, as it has duri-z:g 1981. To provide Law Enforcement Prufessi.ocnal Liability coverage as written through the National Sheriff's Association, would cost an additional $3740. 00 annually. V-C (10) We have quoted Employees Benefit Program coverage with limits of $100, 000, per claim and $300, 000, aggregate. If you would prefer higher limits, they are available at a nominal additional cost: $250, 000/$750, 000. $ 17. 00 additional annual premium, or, $1, 000, 000. /$3, 000, 000. $ 78. 00 additional. V-C-(12) Independent Contractors and Sub Contractors cannot be included automatically as additional insureds. The company will consider them on individual submissions. (1 ) V7,C-(20) Company will provide coverage year-round for these operations. i Other comments as requested have been recorded on the quotation forms. Sincerely, yours, 41-*_77� _ l William H. Price (2 ) PR E M_I U M Q-11 0 T AT I 0 N (To be submitted in duplicate ) V. A. Building and Contents +' + Deductible Fire ec and VMM All Risk A;ual Cost Ilos 5739 1080 6819 1000 4706 886 5592 $ 500 5050 950 $6000 $ 5Q00 4479 842 $5321 . Carfter: Utica National =r n._._----- - - Policy Period: 1-01-82- 1-01-85 ( 3 Y�ara) Premium Payment Plan: —AnQual Installments -.Then 25% the Comments r 1st month and then 11 eQual monthly installments - No interest charge. B. Valuable Papers Dedggtible $ 504 $ 5000 Carrier: Utica National Group Policy 'Period: 1-01-82 -1-01-85 Premium Payment Plan: „Sante as Above Comments: Nn Deductible — Tne- idpd in Speriat Multi-Peril Policy. - C. ` :Comprehensive General Liability a. First dollar coverage: CSL - Per Occurrence and Aggre b. (18) Police Professional liability, additional cost: 1. First Dollar Coverage: $3740. 00 — 30 C. Comprehensive General Liability(Included in Special Multi-Peril Rating basis : Payroll, _Units, Area Package Policy) Carrier: Utica National Group Premium Payment Plan: 25% Down the first ,month 11 equal tal monthlyr payments thereafter. Comments: !- Care, custody and Control Exclusion to be deleted. D. Automobile Insurance Limits — $500, 000. CSL Per Accident: Rate per vehicle: $377. 19 Carrier: Utica National Insurance Group Policy Period: 1-01-82 - 1-01-83 Premium Payment Plan: 2576 Down - 11 equal monthly installments E. Contractors Equipment Floater Deductible Rate per 100 Exposure $ 5Q0 . 80 per 100 Carrier: Utica National Insurance Group Policy Period: 1-01-82 - 1-01-85 Premium Payment Plan: Same as Package Policy Comments: Included in Package Policy No Coinsurance applicable F. Umbrella Liability First $ 5,000,000: $16, 800. Next $ 5,000,000: 3 61000. Rating Basis: Carrier: Utica National Insurance Group - 31 - - Now F. Umbrella Liability- Policy Period: 1 -01-82 - 1-01-83 Premium Payment Plan: Full Payment on Inception Comments: Coverage per attached form G. Yacht Insurance Physical Damage - Deductible $ 500 Premium: $393. 00 Carrier: Utica National Insurance Group Policy Period: 1-01-82 - 1-01-85 Comments: Included in Package Policy H. Public Employee Blanket Bond Premium: $666. 00 Annual Carrier: Utica National Insurance Group Policy Period: 1-01-82 - 1-01-85 Comments: Included in Package Policy 32 - PREMIUM QUOTATION SUMMARY Total annual cost of all coverages with deductibles in the property coverage. $ 500 Deductible: $80405. $ 5,000 Deductible:$79400, $1000. of $80022. $ 100. " $81173. McMann Price Agency, Inc. * If the Town prefers Police Pro— fessional Liability rather than Name of Agent/Broker have the Police Dept. covered by 828 Front Street the Personal Injury Endorsement (as provided in the Package Policy, Street or P.O. Box add $3740 to each of the above quotes. Greenport, New York 11944 City, State, and Zip William H. Price Name o Person Completing Quotation ignature President Title Date: 11-30-81 See Attached Letter for Additional Comments. 33 - e The company (a mutual insurance company herein called the company) indicated in the declarations In consideration of the payment of the premium,in reliance upon the state- water course or body of water; but this exclusion does not apply if such ments in the declarations and subject to all the terms of the policy, Agrees discharge,dispersal, release or escape is both sudden and accidental; with the named insured as follows: (e) to advertising offense claimed for I. COVERAGE—EXCESS LIABILITY (1) failure to perform any contract To pay on behalf of the insured all sums in excess of the retained limit (2) a mistake in the advertised price or an incorrect description of any which the insured shall become legally obligated to pay,or with the consent article or commodity of the company,agrees to pay,direct or consequential because of: (3) infringement of a patent, registered trademark, service mark or (a) personal injury trade name of goods or services sold,offered for sale or advertised, P I y but this shall not relate to titles or slogans; (b) property damage,or (c) advertising offense (f) to personal injury or property damage arising out of the ownership, g omaintenance,operation,use,loading or unloading of to which this policy applies and caused by an occurrence during the policy (1) a watercraft over 50 feet in length, if the occurrence takes place period anywhere in the world. away from premises owned by,rented to or controlled by the named II. DEFENSE—DEFENSE COSTS—INVESTIGATION—ASSISTANCE insured,or AND COOPERATION (2) an aircraft if such watercraft or aircraft is owned or chartered without crew by or on With respect to any occurrence not covered by the policies listed in the behalf of the named insured;but this exclusion shall not apply: schedule of underlying insurance or any other insurance collectible by the (i) to liability arising out of operations performed by independent con- insured, but covered by the terms and conditions of this policy (including tractors,or damages wholly or partly within the amount of the retained limit), the company shall: (ii) to liability for personal injury to any employee of the insured arising out of and in the course of his employment by the insured (a) defend any suit against the insured alleging personal injury, prop- (subject to exclusion (a)), erty damage,or advertising offense, even if such suit is groundless, (iii) insofar as coverage is provided for such by policies listed in the false or fraudulent; but the company may make such investigation, schedule of underlying insurance; negotiation and settlement of any claim or suit as it deems expedient; (b) pay all premiums on bonds to release attachments for an amount not in (g) to property damage to excess of the applicable limit of liability of this policy, all premiums on (1) property owned by the insured appeal bonds required in any such defended suit, but without any obli- (2) property rented to, occupied or used by, or in the care, custody, gation to apply for or furnish any such bonds; control of the insured but only to the extent the insured provides (c) pay all expenses incurred by the company, all costs taxed against the or is under contract to provide insurance therefore; insured in any such suit and all interest accruing after entry of judg- (h) with respect to premises alienated by the name insured, work per- ment until the company has paid or tendered or deposited in court such formed by or on behalf of the named insured or the insured's prod- port of such judgment as does not exceed the limit of the company's uets, liability thereon; (1) to any property damage to such premises,work or products which (d) reimburse the insured for all reasonable expenses, including loss of arises out of any part or portion thereof or out of any materials, earnings not to exceed $50 a day incurred at the company's request; parts or equipment furnished in connection therewith; the amounts so incurred,except settlements of claims and suits,are pay- (2) to loss of use of tangible property which has not been physically able by the company in addition to the applicable limit of liability of this injured or destroyed resulting from policy; (i) a delay in or lack of performance by or on behalf of the named (e) the insured agrees to arrange for the investigation, defense or settle- insured of any contract or agreement,or ment of any such claim or suit in any country where the company may be 00 the failure of the insured's products or such work to meet the prevented by low from carrying out this agreement; the company will level of performance,quality,fitness,or durability warranted or pay defense expenses incurred with its written consent in addition to its represented by the named insured; applicable limit of liability under this policy and will promptly reimburse but part(2) of exclusion (h),does not apply to loss of use of other the insured for its proper share, subject to its applicable limit of liabil- tangible property resulting from the sudden and accidental physical ity under this policy,of any settlement above the retained limit made injury to or destruction of the insured's products or such work after with the company's written consent; such products or work have been put to use by any person or organ- (f) the company shall have the right to associate at its own expense with ization other than an insured; the insured or any underlying insurer in the investigation, defense or (3) to damages claimed for the withdrawal, inspection, repair, replace- settlement of any claim or suit which, in the company's opinion, may ment or loss of use of such products or work or of any property of require payment hereunder; the insured, at the company's request, which such products or work form a part, if such products, work or shall assist and cooperate in every way with respect to the handling of property are withdrawn from the market or from use because of any all claims or suits and the enforcement of all rights of salvage,contribu- known or suspected defect or deficiency therein; tion or indemnity that may affect the company's obligations under this (i) to personal injury or property damage policy; (1) with respect to which an insured under this policy is also an insured (g) the insured agrees to reimburse the company promptly for amounts under a nuclear energy liability policy issued by Nuclear Energy paid in settlement of claims or suits to the extent that such amounts are Liability Insurance Association, Mutual Atomic Energy Liability Un- within the insured's retention as stated in the declarations; derwriters or Nuclear Insurance Association of Canada,or would be (h) this policy does not apply to defense costs covered by policies of under- an insured under any such policy but for its termination upon ex- lying insurance, haustion of its limit of liability; (2) resulting from the hazardous properties of nuclear material and III. EXCLUSIONS with respect to which This policy does not opply: (i) any person or organization is required to maintain financial pro (a) to any obligation for which the insured or any company as its insurer Lection pursuant to the Atomic Energy Act of 1954, or any law may be held liable under any workmen's compensation, unemployment amendatory thereof,or (ii) the insured is, or had this policy not been issued would be, compensation, disability benefits law or any similar low; this exclusion, however,shall not apply to liability of others assumed by the insured entitled to indemnity from the United States of America,or any under a contract or agreement; agency thereof, under any agreement entered into by the United States of America,or any agency thereof,with any per- (b) to any employee, as an insured, with respect to personal injury to son or organization;or another employee of the some employer injured in the course of such (3) resulting from the hazardous properties of nuclear material, if employment, but this exclusion shall not apply to personal injury with (i)the nuclear material (a) is at any nuclear facility owned by, rc.,;cr.•+-—1,;A ;na nra is afforded the insured by underlying insur- nr onemtprl by or on behalf of,an insured or(b) has been dis- ance; charged or dispersed ther:I (c) to liability assumed by the insured under a contract or agreement if the (ii)the nuclear material is contained n spent fuel or waste at occurrence is prior to the time such contract or agreement was effective; any time possessed, handled, used, processed, stored, trans- (d) to personal injury or property damage arising out of the discharge, ported or disposed of,by or on behalf of on insured;or dispersal, release or escape of smoke, vapors, soot, fumes, acids, al- (iii) the personal injury or property damage arises out of the fur- kalies,toxic chemicals,liquids or gases,waste materials or other irritants, nishing by an insured of services,materials,parts or equipment contaminants or pollutants into or upon land, the atmosphere or any in connection with the planning, construction, maintenance, r li`y ts (d; Insured includes the named insured as stated in the declarations and operation or use of any nuclear facility, but if such'faci located within the United States of America, its territories or also includes any executive officer, director, stockholder or employee possessions or Canada, this exclusion(iii)applies only to prop- while acting within the scope of his duties as such. erty damage to such nuclear facility and any property there- If the named insured is a partnership, the unqualified word "insured" at also includes any partner thereof but only with respect to his liability as As used in this exclusion (i): such. "hazardous properties" include radioactive, toxic or explosive If the named insured is an individual, the unqualified word "insured" properties; includes the person so designated but only with respect to the conduct of "nuclear material" means source material, special nuclear mate- a business of which he is sole proprietor and also includes the spouse of the named insured with respect to the conduct of such business. riol or byproduct material; "source material," "special nuclear material,"and"byprod- The term insured also includes any other person or organization who uct material" have the meanings given them in the Atomic Energy an insured under any policy of underlying insurance, subject all the Act of 1954 or in any law amendatory thereof; limitations upon coverage under such policy other than the limitit s of the underlying insurer's liability. "spent fuel" means any fuel element or fuel component, solid or The insurance afforded applies separately to each insured against liquid, which has been used or exposed to radiation in a nuclear whom claim is made or suit is brought,but the inclusion herein of more i reactor; than one insured shall not operate to increase the limits of the com- "waste" means any waste material (1) containing by-product pany's liability. material and (2) resulting from the operation by any person or (e) Occurrence means an accident,including continuous or repeated expo- organization of any nuclear facility included within the definition sure to conditions,which results in personal injury, property damage of nuclear facility under paragraph (a) or(b) thereof; or advertising offense which is neither expected nor intended from "nuclear facility" means the standpoint of the insured. (a) any nuclear reactor, (f) Personal injury: The words "personal injury," as used in this policy, (b) any equipment or device designed or used for (1) separating shall mean: the isotopes of uranium or plutonium; (2)processing or utilizing (a) bodily injury, mental injury, mental anguish, shock, sickness, or spent fuel,or(3)handling,processing or packaging waste, disease or death resulting therefrom; (c) any equipment or device used for the processing, fabricating or (b) false arrest,false imprisonment,false eviction,or detention; alloying of special nuclear material if at any time the total (c) amount of such material in the custody of the insured at the malicious prosecution, invasion of rights of privacy, humiliation, premises where such equipment or device is located consists of libel, slander, defamation of character, infringement of copyright, or contains more than 25 grams of plutonium or uranium 233 or patents, title or slogan, excluding any such injury included within any combination thereof, or more than 250 grams of uranium the definition of advertising offense. 235, (g) Products-completed operations hazard means (1) the insured's (d) any structure,basin,excavation, premises or place prepared or products, if the personal injury or property damage occurs after used for the storage or disposal of waste, possession thereof has been relinquished to others, and (2) operations and includes the site on which any of the foregoing is located, all performed by or on behalf of the named insured (wherever performed operations conducted on such site and all premises used for such and whether or not involving the insured's products),if the personal operation; injury or property damage occurs after such operations have been "nuclear reactor" means any apparatus designed or used to sus- completed or abandoned.Operations which may require further service tain nuclear fission in a self-supporting chain reaction or to contain or maintenance work, or correction, repair or replacement because of a critical mass of fissionable material; any defect or deficiency, but which are otherwise complete,shall be "property damage" includes all forms of radioactive contomina- deemed completed. nation of property; (h) Insured's products means goods or products manufactured, sold, (j) to personal injury or property damage for which liability is assumed handled or distributed by the name insured or by others trading under under any contract or agreement, if such injury or damage is due to his name. war,whether or not declared,civil war, insurrection, rebellion or revolu- (i) Property damage means (1) physical injury to or destruction of tangi- tion, or to any act or condition incident to any of the foregoing. ble property which occurs during the policy period, including the loss of use thereof at any time resulting therefrom,or(2)loss of use of tangible IV. LIMITS OF LIABILITY property which has not been physically injured or destroyed provided such loss of use is caused by an occurrence during the policy period, or 1. Regardless of the number of persons or organizations who are insureds (3) injury to intangible property which occurs during the policy period under this policy and regardless of the number of claims made and suits sustained by an organization as a result of false eviction, malicious brought against any and all insureds; prosecution, libel, slander or defamation, but excluding any such dam- (a) the total limit of the company's liability from any one occurrence shall age included within the definition of advertising offense. be the occurrence limit stated in the declarations; (j) Retained limit means as to each occurrence with respect to which (b) the company's limit shall be further limited to the amount stated in the insurance is afforded under this policy: declarations as the aggregate limit with respect to all loss caused by one (1) if an underlying policy is also applicable or would be applicable or more occurrences during each annual policy period and arising out but for breach of policy conditions; the relevant "each person," of ,each accident," "each occurrence" or similar limit of liability (1)the products-completed operations hazard stated therein(less any reduction thereof by reason of an overriding (2) all property damage aggregate limit of liability) plus all amounts payable under other insurance,if any; (3) all advertising offense by (4) occupational disease sustained by employees of the insured (2) any underlying policy otherwise applicable is inapplicable reason of exhaustion of an aggregate limit of liability; all amounts (5) all professional liability. payable under other insurance,if any;or 2. For the purpose of determining the limits of the company's liability (3) if neither paragraphs(1)or (2)above apply and (a) all personal injury and property damage arising out of continuous (a) the insured has other insurance; all amounts payable under or repeated exposure to substantially the some general conditions;or such other insurance,but in no event less than the amount stated (b) all advertising offense involving one or more causes of injury, includ- in the declarations as the insured's retention, or in all reproductions or repetitions thereof,regardless of the number and (b) the insured has no other insurance; the amount stated in the kinar d of media used; p g declarations as the insured's retention. shall be considered as the result of one and the some occurrence. For the purpose of determining the retained limit, "other insurance" means any other valid and collectible insurance(except under an under- V. DEFINITIONS lying policy)which is available to the insured,or would be available to (a) Advertisina offense means damages because of libel, slander, defa- the insured in the absence of this policy, it being the intention that this mation, infin;yement of copyright or rme or slogan, piracy, unfair com. policy shall not apply under or contribute with such other insurance petition, idea misapproprintion or invasion of rights of privacy arising unless the company's agreement thereto is endorsed hereon. out of the insured's advertising activities. (b) Automobile means a land motor vehicle,trailer or semi-trailer designed VI. CONDITIONS for travel on public roads,including any equipment attached thereto. (a) Premium: The premium for this policy is stated in the declarations and (c) Bodily injury includes sickness or disease or death resulting at any is not subject to adjustment unless otherwise indicated by an endorse- time therefrom. ment to this policy. e t The company may examine and audit the named insured's books and 6o Assignment: Assignment of interest under this policy shall not bind the records at any time during the policy period and extensions thereof and company until its consent is endorsed hereon. If, however,the insured 'within three years after the final termination of this policy,as for as they shall die or be adjudged bankrupt or insolvent while this policy is in relate to the subject matter of this insurance. force,this policy, unless cancelled,shall cover the insured's legal rep. resentative as insured, but only while acting within the scope of his (b! Notice of Occurrence: Upon the happening of any occurrence rea- duties as such. sonably likely to involve any of the coverages of this policy, written notice containing particulars sufficient to identify the insured and also (i) Cancellation: This policy may be cancelled by the named insured by reasonably obtainable information with respect to the time, place and surrender thereof to the company or any of its authorized agents or by circumstances thereof,and the names and addresses of the injured and mailing to the company written notice stating when thereafter the can- of available witnesses,shall be given by or for the insured to the com- cellation shall be effective.This policy may be cancelled by the company pany or any of its authorized agents as soon as practicable. by mailing to the named insured at the address shown in this policy written notice stating when not less than thirty days thereafter such can- (c) Appeals: t the event the insured or the insured's t underlying ny as cellation shall be effective. The mailing of notice as aforesaid shall be ers elect not to appeal a judgment which appears to the company as sufficient proof of notice. The time of the surrender or the effective date likely to involve payment under this policy, the company may elect to and hour of cancellation stated in the notice shall become the end of the make such appeal at its own cost and expense,and shall be liable for policy period. Delivery of such written notice either by the named the taxable costs, disbursements and interest incidental to the appeal, insured or by the company shall be equivalent to mailing. but in no event shall the liability of the company for any one occurrence If the named insured cancels, earned premium shall be computed in exceed the limit of liability set forth in this policy plus such incidental accordance with the customary short rate table and procedure. If the costs,disbursements and interest. company cancels,earned premium shall be computed pro rata. Premium (d) Action Against Company: No action shall lie against the company adjustment may be made either at the time cancellation is effected or as unless, as a condition precedent thereto, the insured shall have fully soon as practicable after cancellation becomes effective,but payment or complied with all the terms of this policy, nor until the amount of the tender of unearned premium is not a condition of cancellation. insured's obligation to pay shall have been finally determined either If this policy insures more than one named insured,cancellation may be by judgment against the insured after actual trial or by written agree- effected by the first of such named insureds for the account of all the ment of the insured,the claimant and the company. named insureds; notice of cancellation by the company to such first Any person or organization or the legal representative thereof who has named insured shall be deemed notice to all insureds and payment of secured such judgment or written agreement shall thereafter be entitled any unearned premium to such first named insured shall be for the to recover under this policy to the extent of the insurance afforded by this account of all interests therein. policy. Nothing contained in this policy shall give any person or organi- zation any right to join the company as a co-defendant in any action (j) Maintenance of Underlying Insurance: Each policy described in the against the insured to determine the insured's liability. declarations shall be maintained in full effect during the currency of this Bankruptcy or insolvency of the insured or of the insured's estate shall twined therein solely any byreduction payment of claims arising t out of or occurrences limits con- not relieve the company of any of its obligations hereunder. taking place during the period of this policy. Failure of the named (e) Other Insurance: If other valid and collectible insurance with any insured to comply with the foregoing shall not invalidate this policy other insurer is available to the insured covering a loss also covered by but in the event of such failure,the company shall be liable only to the this policy, other than insurance that is in excess of the insurance af- extent that it would have been liable had the named insured complied forded by this policy, the insurance afforded by this policy shall be in therewith. excess of and shall not contribute with such other insurance. Upon notice that any aggregate limit of liability under any policy of (f) Subrogation: The company shall be subrogated to the extent of any underlying insurance has been exhausted, the named insured shall payment hereunder to all the insured's rights of recovery therefor;and immediately make all reasonable efforts to reinstate such limits. the insured shall do everything necessary to secure such rights. Any The named insured shall give the company written notice as soon as amounts so recovered shall be apportioned as follows: practicable of any change in the scope of coverage or in the amount of Any interest(including the insured) having paid on amount in excess of limits of insurance under any underlying insurance,and of the termina- the retained limit plus the limit of liability hereunder shall be reimbursed tion of any coverage or exhaustion of aggregate limits of any under- first to the extent of actual payment. The company shall be reimbursed lying insurer's liability. next to the extent of its actual payment hereunder. If any balance then (k) Declarations: By acceptance of this policy the named insured agrees remains, it shall be applied to reimburse the insured or any underlying that the statements in the declarations are his agreements and repre- insurer,as their interests may appear. The expenses of all such recovery sentations, that this policy is issued in reliance upon the truth of such proceedings shall be apportioned in the ratio of respective recoveries. representations and that this policy embodies all agreements existing If there is no recovery in proceedings conducted solely by the company, between himself and the company or any of its agents relating to this it shall bear the expenses thereof. The insured shall do nothing after insurance. loss to prejudice such rights. (1) Mutuals—Participation Clause Without Contingent Liability: (g) Changes: Notice to any agent or knowledge possessed by any agent No Contingent Liability: This policy is non-assessable. The policyholder or by any other person shall not effect a waiver or a change in any part is a member of the company and shall participate, to the extent and of this policy or estop the company from asserting any rights under the upon the conditions fixed and determined by the Board of Directors in terms of this policy; nor shall the terms of this policy be waived or accordance with the provisions of law in the distribution of dividends so changed,except by endorsement issued to form a part of this policy. fixed and determined. UTICA MUTUAL INSURANCE COMPANY GRAPHIC ARTS MUTUAL INSURANCE COMPANY Mutuals—Membership and Voting Notice: The insured is notified Mutuals—Membership and Voting Notice: The insured is notified that that by virtue of this policy, he is a member of the Utica Mutual Insurance by virtue of this policy,he is a member of the Graphic Arts Mutual Insurance Company of New Hartford, New York, and is entitled to vote either in Company of New Hartford,Now York,and is entitled it)vote either in person person or by proxy at any and all meetings of said Company. The Annual or by proxy at any and all rneetings of said Company. The Annuul Meetings Meetings are held in its Horne Office,New Hartford,New York,on the fourth are held in its Home Office, New Hartford, New York, on the third Mondny Monday of February,in each year,of 1:30 o'clock P.M. of April, in each year,at 4.00 o'clock P.M. IN WITNESS WHEREOF, the Utica Mutual Insurance Company has caused IN WITNESS WHEREOF, the Graphic Arts Mutual Insurance Company has this policy to be signed by its president and secretary at New Hartford, New caused this policy to be signed by its president and secretary at New Hart- York, and countersigned on the declarations page by a duly authorized ford, New York, and countersigned on the declarations page by a duly representative of the Company. authorized representative of the Company. President President t Secretary Secretor� y U/G-P-UL Ed. 11-74(Rev. 12-79) It Is qpv" tit Wm-3*d by this VlisY dans aot "PLY to sem► limb lty Imlading Fiduclwy Mability, orisiM out of MW Zoplopm "it P2mw or P ., the sup2cWoo Ret iar wnt l atom S.ewrlty acct *r 19, (SRxA), th► PWASs.o Reram Act of Imo, or ms ....e to two, =..s pacb 3.isbilsty is eovered b$ ,old and colUettb3a Bmderlylmg Uourm" as liatid in the ScWnU of liaftr3yin Iesar am, for the fun limit show, tb ereilto and thm o*4 for Warb bojardsfor obleb bra" Is affarded Buxier said c '.2�I'lri� i s I I _ 1 �ABM i■riGTirr nrrrr I Tu is agreed tbmLt this poliay shall not apply to liability Arising 41st Of bbe VOW"hi9i raiute e, ars or Opmtian of airflalds, Wit, 'h dIdIa`s or other pro"rLteas in comeation xith Aviation atettvitias or airipu4s. r (The Attaching Clause need be completed only when this endorsement is issued subsequent to preparation of the policy.) ! This endorsement, effective forms a part of policy No. (12:01 A.M.,standard time) issued to by Producer Number i (Authorized Representative) 8 290 Ed 9-73 �1 AMENDATORY ENDORS .i1LNTMUNICIPALITILS A. It is agreed that this policy shall not apply to any liability for personal injury or property damage arising out of (1 ) any riot, civil commotion, civil disturbance, protest or denK)nstration or any act or condition incident to the pre- vention or suppression of any of the fore�joing; (2) the complete or partial failure to supply electricity, gas or water; (3) the ownership, maintenance, use or operation of airfields, runways, hangars, buildings or other properties in connec- tion with aviation activities or airports . B. It is further agreed that this policy shall not apply to any lia- bility for (1 ) property damage to property (a) owned or occupied by or rented to the insured (b) used by the insured, or (c) in the care, custody or control of the insured or as to which the insured is for any purpose exercising physical control ; (2) property damage arising out of (a) the explosion hazard (b) -1 - the collapse hazard, or (c) the underqround property damage hazard as defined in the underlying insurance policies; (3) personal injury arising out of (a) false arrest, false ir►prison- ment, wrongful eviction, wrongful entry, wrongful detention or malicious prosecution; or (b) libel , slander, defamation of character, humiliation, or invasion of the rights of privacy; (4) personal injury or property damage arising out of the existence of Streets, Roads, or Highways owned or maintained by the In- sured. unless such liability is covered by valid and collectible underlying insurance as listed in the Schedule of Underlying Insurance, for the full limit shown therein, and then only for such hazards for which coverage is afforded under said underlying insurance. �j1 .N.>#+ yy w ;�.'yr, �,t`! �, ,., ,,t 4 •, rw ... ..,,; ! "'•v � b..jr .- n+ r ♦ ;yam. �J . "w+:l^.r.,Y`."�1._.• ► t^`�7'ru wp�' r,�"`• .#"'f�,.. .'.t� r...41 µ r,r,� s r�,. +. r ' ''� "• o fi :.r .. f ..i. • AMENDATORY ENDORS _ALNT_ MUNICIPALITIES A. It is agreed that this policy shall not apply to any liability for personal injury or property damage arising out of (1 ) any riot, civil commotion, civil disturbance, protest or demonstration or any act or condition incident to the pre- vention or suppression of any of the foregoing; i (2) the complete or partial failure to supply electricity, gas or water; (3) the ownership, maintenance, use or operation of airfields, runways, hangars, buildings or other properties in connec- tion with aviation activities or airports . B. It is further agreed that this policy shall not apply to any lia- bility for (1 ) property damage to property (a) owned or occupied by or rented to the insured (b) used by the inbured, or (c) in the care, custody or control of the insured or as to which the insured is for any purpose exercising physical control ; (2) property damage arising out of (a) the explosion hazard (b) - the collapse hazard, or (c) the underground property damage hazard as defined in the underlying insurance policies; (3) personal injury arising out of (a) false arrest, false imprison- ment, wrongful eviction, wrongful entry, wrongful detention or malicious prosecution; or (b) libel , slander, defamation of character, humiliation, or invasion of. the rights of privacy; (4) personal injury or property damage arising out of the existence of Streets, Roads, or Highways owned or maintained by the In- sured. unless such liability is covered by valid and collectible underlying insurance as listed in the Schedule of Underlying Insurance, for the full limit shown therein, and then only for such hazards for which coverage is afforded under said underlying insurance. of; blr, �"'� 4r, r'.,.,R,.�,1 H'.> .� � �,.:„,,f •r' 7 M .r,: .. ,m/•V '� ti, ~"�?+ `�?'� 1 r' �' '�MJ�.'N w r A PREMIUM QUOTATION A. Building and Contents Deductible Fire, EC and VMM All Risk Annual Cost $ 500 $2983. $445. $3428. $ 5000 $2461. $400. $2861. Carrier: Continental Insurance Companies Policy Period: 1-01-82 - 1-01-85 Annual Installments Premium Payment Plan: None See Below Comments: Blanket Building & Contents Coverage. Building $1, 334, 600. Contents $203, 500. B. Valuable Papers Deductible $ 500. $ 5000. Carrier: Included in Special Multi-Peril Package Policy Period: As above Premium Payment Plan: As above Comments: C. Comprehensive General Liability a. First Dollar Coverage: CSL per occurrence & aggregate b. (18) Police Professional Liability, additional cost: 1. First Dollar Coverage: $6740. FLOOD INSURANCE is available through the National Flood Insurance Program. Rates are standard and vary according to location of building or buildings to be insured. Assuming that all buildings would not be insured against flood, the selected buildings would be subject to the standard N. F. I. P. rates and premiums. Earthquake coverage not included, however, it is available. C. Comprehensive General Liability Rating Basis: Payroll, Units and Area Carrier: Continental Insurance Companies Premium Payment Plan: None See Below Comments: Limit of Liability must be $1, 000, 000. minimum to satisfy Umbrella requirements. D. Automobile Insurance Limits: $500, 000. CSL. Per Accident Rate per Vehicle: --- Carrier: Continental Insurance Companies Policy Period: 1-01-82 - 1-01-82 Premium Payment Plan: None E. Contractors Equipment Floater Deductible Rate per 100 Exposure 1. 25 - $2128. ($ 500 Deductible) . 75 - $1277. ($5000 Deductible) Carrier: Continental Insurance Companies Policy Period: Same as Special Multi-Peril Premium Payment Plan: None Comments: Void Coinsurance only if values can be verified . F. Umbrella Liability First $ 5, 000, 000: $15900. Next $ 5, 000, 000: No Quote Rating Basis: --- Carrier: Continental Insurance Companies (1 ) Independent Conractors and Sub Contractors will not be included as additional insureds. Upon specific request, they will be considered. (2 ) Broad Form Property Damage included. PREMIUM QUOTATION SUMMARY Total annual cost of all coverages with deductibles in the property coverage: $ 500. Deductible: $99, 632. 00 $5000. Deductible: $98. 199. 00 McMann Price Agency, Inc. Name of Agent Broker 828 Front Street Street or P. O. Box Greenport, New York 11944 City, State and Zip William H. Price _ Nam of Person Completing Quotation ✓S ign a.tu r e '— President Title Date: 11-30-81 F. Umbrella Liability Policy Period: 1-01-82 - 1-01-85 Premium Payment Plan: None Comments: Underlying Limits Required: $500, 000. per Auto. $1, 000, 000. for Comprehensive General Liability. G. Yacht Insurance Physical Damage - Deductible $ 500. Premium: $1400. Carrier: Marine Office of America Policy Period: 1-01-82 - 1-01-83 Comments: Alternate Quotation: $100. Deductible applicable to first 3 boats and $250. Deductible to Privateer - $1750. H. Public Employee Blanket Bond Premium: $997. Carrier: Continental Insurance Companies Policy Period: 1-01-82 - 1-01-85 Comments: Included in Package PREMIUM QUOTATION A. Building and Contents Deductible Fire,. EC and VMM All Risk Annual Cost $ 504 $2983. $445. $3428. $ 5000 $2461. $400. $2861. Carrier: Continental Insurance Companies M Policy Period: 1-01-82 - 1-01-85 Annual Installments Premium Payment Plan: None See $elow Comments: Blanket Building & Contents Coverage. Building $1, 334, 600. Contents $203, 500. B. Valuable Papers D edu�ctibl e $ 5Q0 $ 500l Carrier Included in Special Multi-Peril Package Policy Period: As above Premium Payment Plan: As above Convents: C.'- Comprehensive General Liability a. First Dollar Coverage: CSL Per occurrence & aggregate b. (18) Police Professional Liability, additional cost: 1. First Dollar Coverage: $6740. FLOOD INSURANCE is available through the National Flood Insurance Program. Rates are standard and vary according to location of building or buildings to be insured. Assuming that all buildings would not be insured against flood, the selected buildings would be subject to the standard N. F. I. P. rates and premiums Earthquake coverage not included, however, it is available. r C Comprehensive General Liability Rating Basis: Payroll, Units and Area Carrier: Continental Insurance Companies Premium Payment Plan: None r See Below Comments:- Limit of Liability must be $1,000, 000. minimum tos to 2atis�r Umbrella requrements.iT---- .�.. -- -- 1D. Automobile Insurance Limits: '$509, 000. CSL. Per Accident Rate'.per Vehicle: --- Carrier: ;Continental Insurance Companies Policy Period: 1-01-82 = 1-01-8Z Prerni,um Payment Plan: None _ E Contractors Equipment Floater Deductible Rate per 100 Exposure 1. 25 - $2128. ($ 500 Deductible) . 75 - $1277. ($5000 Deductible) Carrier: Continental Insurance Companies Policy Period: Same as Special Multi-Peril Premium Payxzlent Plan. None Comments: -Void Coinsurance only if values can be verified. F Umbrella Liability First $5, 0009 000: $15900. Next $ 5, 000, 000: No Quote Rating Basis: --- Carrier: Continental Insurance Companies - (1 ) Independent Conractors and Sub Contractors will not be included as additional insureds. Upon specific request, they will ?e considered. (2) ;Broad-Form Property Damage included. '. . Umbrella Liability Policy Period 1-01-82 - 1-01-85 Premium Payment Plan: None C6rn' tints: Underlying Limits Required: '0. psiAuto. .-$1,900, 000, for Comprehensive Lialiilit Ca.q' Yacht Insurance Physical Damage - Deduc tible $ U Premium: $1400. ' Carrier: Maxln'e Office of America Pr c Period: i-01-82 1-01-83 Comments: Alternate Quotation: $100. Deductible applicable to first 3 boats and $250._Deductible to Privateer - $1750. I. , . Public Employee Blanket Bond ' PreMlum: $99T. F Carrier: Cpntfnental Insurance Companies Polio Period: 1-01-82 1-01-85 Camres: Included in Package t r V QUOTATION SUMMARY Total arinugit cost of all coverages with,deductibles in the .property c `average: a $. 500. Deductible., $99, 632. 00 $5000, Deductible: $98. 199. 00 McMann Price Agency, Inc. t' Name of Agent/Broker 828 Front Street Street or P. O. Box Greeuport, #ew York 11944 City, State andZip William H. Price 3 Name 'person Completing Quotation ignatu re President Title Date: 11,-3.0 Sl. THE GEORGE H. CORWIN AGENCY, INC. .1ad"440 M JPJUi(QO 122 FRONT STREET GREENPORT, NEW YORK GREENPORT 7-0041 November 27 , 1981 Town of Southold Southold, N.Y. 11971 Att: Mr. William F. Mullen Tisk Mana-er x:e: Town Insurance Proposal Dear Mr. Mullen: The enclosed Premium Quotation Summary is based on the specifications required by you in the Insurance Proposal . There are a few suggestions added under 'Comments" , in this Premium "uotation, which we feel the Town should consider. The policy our off:i_ce proposes is a package policy written for three years , with annual insLallment premiums . This policy will be written by the Continental Insurance Company, represented. by this agency for many years. res the agent for the Town insurance program, I will be happy to wor'c with the Town to incorporate this new package of insurance coverage. Very truly yours , CA�' 0 Aah"A�- Howard C. Valentine l P R E M I U M Q U O T A T I O N (To be submitted in duplicate) V. A. Building and Contents Deductible Fire ec and VMM All Risk Annual Cost $ 500 - $3, 844.00 $401.00 $4245.00 $ 5000 $3, 150.00 X$360.00 $3510.00 Carrier: Continental Insurance Company Policy Period: January 1 , 1982 to January 1 , 1985 Premium Payment P1an:Annual Installments on Package Plan Comments: Suggest All Risk Coverage. B. Valuable Papers Deductible $ 500 - $318.00 $ 5000 - $275.00 Carrier: Continental Insurance Company Policy Period: January 1, 1982 to January 1, 1985 Premium Payment Plan: Included in package plan. Comments: C. Comprehensive General Liability - $500,000. a. First dollar coverage: $39,106.00 b. (18) Police Professional liability, additional cost: 1. First Dollar Coverage: Company will need a completed application for quote. _ 30 _ C. Comprehensive General Liability Rating basis: As per schedule Carrier: Continental Insurance Company Premium Payment Plan: Included in package Comments: Company will write 1 million ($1 ,000,000. ) primary if they write Umbrella. Based on total operating e_xpPnrli t-iirpc and pastil pt-1 on - Cor mm,-ri Lines nes Manual pg. CS-112-113. Premium - $44$ 96.00 D. Automobile Insurance Limits $500,000. Rate per vehicle: $205 .00 Carrier: Continental Insurance Company Policy Period: January 1 , 1982 to January 1, 1985 Premium Payment Plan: $17 ,419.00 Annually - in package plan. E. Contractors Equipment Floater Deductible Rate per 100 Exposure $ 500` 1. 13 - Premium $13915.00 $5000 - 0. 68 - Premium $1, 149 .00 Carrier: Policy Period: January 1 , 1982 to January 1, 1985 Premium Payment Plan: Annual Installments - Package Comments: Company will void co-insurance if values can be verified. . F. Umbrella Liability First $ 510009000: $14, 310.00 Next $ 5,000,000: Rating Basis: Exposure - per occurrence Carrier: Continental Insurance Company - 31 - JHE GEORGE H. CORWIN AGENCY, INC,. . GENERAL INSURANCE 124 Front Street Greenport, N. Y. 11944 F. Umbrella Liability Policy Period: January 1, 1982 to January 1 , 1985 Premium Payment Plan: Included in package Comments : Includes defense and settlement within retention when primary limits are exhausted. G. Yacht Insurance Physical Damage - Deductible $ 500 Premium: $1 , 260.00 Carrier: Marine Office of America Corp. included in Policy Period: January 1, 1982 to January 1 , 1985 4 Package. Annual Install. Comments: Suggest $100. deductible on- , first 3 boats . On new 1981 boat a $250. deductible - premium $1,575 .00 H. Public Employee Blanket Bond Premium: $610.00 Carrier: Continental Insurance Com an Annual Install . Policy Period: Jan. 1, 1982-85 - Included in package. Comments: As per specified excluding police. If coverage to include police - Premium - $897 .00 _ 32 _ PREMIUM QUOTATION SUMMARY Total annual cost of all coverages with deductibles in the property coverage. - Building & Contents - Valuable Papers Contractors Equipmen & Yacht . $ 500 Deductible: - .$7t ;738 .00 $ 5,000 Deductible: - $4,-934.00 The Georgie H. Corwin Agency, Inc. Name of Agent/Broker - 124 Front Street Street or P.O. Box Greenport, N.Y. 11944 City, State, and Zip Howard C. Valentine Name Person MiDleting Quotation Signature Title Treasurer Date: November 27 , 1981 THE GEORGE H. CORWIN AGENCY, INC. - 33 - GENERAL INSURANCE 124 Front Street Greenport, N. Y. 11944 7 ,.�.�-,yam,...-. yo P R E M I U M Q U O T A T I O N (To be submitted in duplicate) rfi ' V. A. Building and Contents r Deductible Fire ec and VMM All Risk Annual Cost a ` $ 500 - $3, 844.00 $401.00 $4245.00 $ 5000 — $3, 150.00 $360.00 $3510.00 s Carrier: Continental Insurance Company % Policy Period: January 1 , 1982 to January 1 , 1985 Premium Payment Plan:Annual Installments on Package Plan Comments: Sub est All Rish Coverage. B. Valuable Papers y'u Deductible " $ 500 - $318 .00 $ 5000 _ $27 .00 `.: Carrier: Continental Insurance Company Policy Period: --January 1 , 1982 to January 1 , 1985 `. Premium Payment Plan: included in -�.�cka.;e plan. x { Comments: C. Comprehensive General Liability - $500,000. a. First dollar coverage: ;39, 106.00 r9 b. (18) Police Professional liability, additional cost:,; 1. First Dollar Coverage: Company will need 3 a conpInted application for -,uote . _ 30 V� � w� C. Comprehensive General Liability . Rating basis: ger :.c le(I I I C, Carrier: Cent :-n nt� I n u a .;rtc` C tany . Premium Payment Plan: 1 nc 1u( c h Comments: Com:)any will ,:.Lte r ' Tan (Y' , .00,000 ::hey write Uinbrel l `;- sed On ot)erat ng r. �.• ��n�l t >>>-ac and pupil 3t- i on - Comm ,.1,i a,1 { rias 'f' nua nay. j CS-112-113. Freml.um - $44, `96.00 D. Automobile Insurance Limits - $500 ,000. Rate per vehicle: $205 .00 Y Carrier: Coni inen'.z�1 insur;:r�ce C'o n;'�anv Policy Period: 19g_:; s Premium Payment Plan• $17 ,419 .00 - e ' 1n. E. Contractors Equipment Floater Deductible Rate per 100 Exposure $ 500 - 1 1 3 - Pr. ern_111,:1 $1 , 9:� 00 r Carr�00 0. 68 - Yy:e,ai.url $1 149.00 er. nc Policy Period: J,�nuar 1 1982 to Janu,:r * ?. 9 v S . , 1 85 Premium Payment Plan: Ann is l I ns to l l rnen .s - Package Comments: Co,n,)anv will void co- insurance if values can 'r be ver ed F. Umbrella Liability First $ 59000,000: $14, 31.0.00 Next $ 5,000,000: Rating Basis: Exoosuce - per occurrence Carrier: Continents, l Tnsur ince Company IV - 31 4, a - '�i".'d'aIl6�.�."t.h;_.:33.'.•:..'.6.s:.;::2' ,•ye5..: -, i:,v_.., .� .:,..a 5 +s;.i:,. 'Nt .rksu u�3%' a ,1 iS"`WT'r,ku `. •' , °KY ' _ v ! - . • � } N II Y � K F 1 F. Umbrella Liability Policy Period: January 1 , 1982 to :nu&,ry 1 298.E ' Premium Payment Plan: _Included in -,),�c'ka�;e ,* Comments.: includes do ense and set�-lement within 4* reten, ion when primary lint it•s ere sLed. G. Yacht Insurance 4" Physical Damage Deductibles ' 500 Premium: $1 ,260.00 ' Carrier: Marine Office of Amer .ca Corp. nclud�d ^fit Policy Period: JanuAry 1 , 1982 t-o Januar ' , 1,985 Package.., Annual Install . Comments: Sut,Zest $100. deductible on first ? hoaLs . On new 1981. boat a $250. deductblc - )rc'mi_u:a $1 , 575 .00 H. Public Employee Blanket Bond Premium: $610.00 t •, Carrier: Continent .3?_ Insurance Compan ,M Annual Install . Policy Period: J.!n. + , 1982-85 - Included In .packa eg ,R ..me � t Comments: As per specified excluding police. If Y coverIgE Lo include Dolice - Premium $897 .00 - 32 °�.. _ �..__��i'§ss..��r,..�.....��,... ._.__ __.� .._s.._..,..._..n,.,, _....._.. _,_...�. ..vl��«. •_..�,:�.;,�us. �,,� K w,3i'ra..M ay;.F. MIJ10, I" 4�4� ye, � (1 µ —_ z 'ti s JyY t r t. ,. a - l 2 PRUM QL#'© zv Tl 'TI RV ..._.._ K ,a r Total annual cost of all coverages with deductibles, ,,,iz the property coverage. Buildind & ° Contents - Valuable Papers '7 Contractors Ecu:.nment & Ycht 500 Deductible: - $72738 .00 5,000 Deductible: - §4,934.00 4 IP The George H. Corwin A -enc , Inc. ' Name of Agent/Broker , 124 :Tont Street = Street or P.O. Box Greenport, N.Y. 11944 �- �.- � City, State, and- Zip. .". - Howard C. Valentine Name Person p ting Quo anon Signature _ .: L-49- - Title Treasurer _ r° Dater November 27, 1_98_1 - 33 - 'p 1-4 • gnsurance 11/27/81 William F. Mullen Risk Manager, Town of Southold 53095 Main Rd. Southold, NY 11971 Dear Bill: I am enclosing our proposal for Southold Township. Our total premium may be placed on a installment basis except the Police Liability. The $590. deductible premium of $79,932. follows your specifications listed in the forms given to us. If you have any questions, please do not hesitate to call me. Thank you. Are urs, AS:cl Main Road Mattituck, N.Y. 11952 �.. TELEPHONE:(516)298-8481 °Rnwce AC.$r P R E M I U M Q U O T A T I O N (To be submitted in duplicate) V. A. Building and Contents Deductible Fire ec and VMM All Risk Annual Cost $ 500 $ 30271. $ 345. $ 3 ,616. $ 5000 2 ,500. 300. 20800. 1 ,000. Carrier: CST - Continental Casualty Co. Policy Period: 1/1/82-83 Premium Payment Plan: ">ivarterly or PJonthly Comments: includeO with CGL as part- of SPEP B. Valuable Papers Deductible $ 500 $ 353. $ 5000 $ 306. Carrier: CITA - Continental Cas. Co. Policy Period: 1/1/82-83 Premium Payment Plan: quarterly Comments: premium incl. with ST-11P C. Comprehensive General Liability a. First dollar coverage: $1 ,00(: ,000 Primary $27,648. b. (18) Police Professional liability, additional cost: 1. First Dollar Coverage: $ 7,400 - 30 - C. Comprehensive General Liability Rating basis: as oer 11/1/81 chance Carrier: __C 1i - Continental Cas 'o Premium Payment Plan: uarterly or tonthly Comments: incl, cai th ;p,'I D. Automobile Insurance Limits - 500 ,000. 21 # 504. Rate per vehicle: 228, Carrier: Boston 010" Colornv Policy Period: 1/1/82-83 Premium Payment Plan: uarte_,-ly E. Contractors Equipment Floater Deductible Rate per 100 Exposure $ 500 .95 ;1 , 536, Carrier: C1;i - continental Cas Co Policy Period: 1/1,'Q2-03 Premium Payment Plan: uarterly Comments: incl. wi tli F. Umbrella Liability 1,000 ,000 primary CGL First $ 5,000,000: ;} 15 900. Next $ 5,0009000: can be written - cruote not available by Rating Basis: 1 ,000 ,000 primary CGL 11/30/8 Carrier: Boston 010 Colonv - 31 - n r F. Umbrella Liability Policy Period: 1/1/82-83 Premium Payment Plan: ,uarterly R Comments: G. Yacht Insurance Physical Damage - Deductible $ 500 Premium: 18400. Carrier: Boston Old Colony - 1I0h4 Policy Period: 1/1/£ 2-83 Comments: H. Public Employee Blanket Bond Premium: $ 1 . 255. Carrier: Boston Old Colony Policy Period: 1/1/82-83 Comments: - 32 - PREMIUM QUOTATION SUMMARY Total annual cost of all coverages with deductibles in the property coverage. $ 500 Deductible: IS 79, 9'3 $ 5,000 Deductible: 798069. Val Stype u Sons, Inc. Name of Agent/Broker Ilain ,'oa0 1'0 Box 63 Street or P.O. Box Mattituckk, NY 11952. City, State, and Zip Andrew 'St-pe NameU74mpleting Quotation Signature Vice- President Title Date: 11/27/817/81 - 33 r5 T x R s M :I U Tqr Q...U0' TAT10N _X To be ".submitted in duplicate) V. A. Building and Contents _ "~ Deductible Fire ec and VMM All Risk Annual Cost F # 4 $ 500 $ 3 271 $ 345. $ 3 , ,616 , : $ 5000 2,500. 300'. 2,800. } 10000. Carrier: CNI', - Continental Casualty Co. ' Policy ��Period: 1/l/82-83 � Premium Paymen- Plan: yruarterly or tlonthly ` d Comments: included with CGL as part of 'Stir. 2 5� B. Valuable Papers Deductible t o 500 $ 353. ., $ 5000 $ 306. ' T _ Carrier: . CIM - Continental Cas. Co., Policy Period: ?.-83 ' Premium Payment Plan. quarterly Comments: premium incl. with SKIP, C: Comprehensive General Liability `` a. First dollar coverage: $1,OOO ,U0+0 -t'ri�ary $27,64£3. b. (18) Police Professional liability,' additional cost: , u= k 1 , { 1. Firsto1 Coverage: $ 7,400 , - 30 - u, M u S 5dr `j t y M i S g. i l a '',. M• �. ' 1 T kifi 'r,n d t t}¢°! ' Comprehensive General Li bA ! is ility f Rating basis: A ' as ber .11/1/81 chanae a •' n Carrier: CId:1 Continental Cas' Co. Premium Payment Plan: uarterly or AiontYily . ' Comments: incl. c',ith `;rI' ' * ' Automobile 'Insurance. ` L t500 000 21 504 Limits - $ t4 +� Rate per vehicle: y 228• !; ' Carrier: 'Boston 010- Col-ony , Policy Period: 1/1/82-83 ° Premium Payment Plan:. Quartea-ly -w` ; E. Contractors Equipment Floater '`'' DeductibleRate per 100 Exposure t 500 .95 t 5 3 6. , Carrier: CNA Contine 1 C { nt'a cas. o'. . Policy Period:" 1/1/82-83 Premium Payment Plate: * uarterl y Comments: ilicl, with syp �y s e # F. Umbrella Liability 1,000;000 primary CGL r First $ 59000,000: x•900. Next $ 5,000,000: can be written - cruote not available by° `; 1 OUO 000 primary CGL 11/3Q $ h Rating Basis: y Carrier: Boston Old Colony r a , P : _ 31MR aw- . � F. Umbrella Liability ¢' "Policy"Period: 1/182-83 Premium Payment Plant turterly 4 P � . Comments• A Yacht Insur #" ice 'a Physical Damage - 'X; Deductible 9 . 500 Premium: $ 1 400. Carrier: Boston Uld Colony - I30i�C Policy Period: 1/1/82-83 ak Comments: H. :- ,Public AEmployee Blanket Bond k Premium: 1 .255. kCarrier: Boston Old Colonyi Policy Period: 1/1/£ 2-83 Comments: a e 1 N4} - 32 - , d�,m�;o rrt ,:�.. ,,a` " .. -_. '►::;'� _-,r �, '`-�w.an..�fl�.�'+'a` Sa'�,4;.._...,r�t.'�an...��a' _ _ F __ __ <°!4,� 5 71.71,1 ! 77 51, 11�11I'..- li 77 k` �PREMIUM QUOTATION SUMMARY Total annual "Cost of-all'ooverages with': deductibles in'� J the property coverage- 500 Deductible:, 79 93 2.. 5,00 Deductible:i e: , $ 79,069 Val Stype & Sons, Inc Name of Agent/Broke' r . 14ain Poad - VO Box 63 Street or P.O. Box latt;itucktNY 11952 - , City, State, and Zip Andrew Stype Nameomp,leting Quotation V_ Signature Vice- President Title Date: 11/27/81 33 ALL FORMS OF INSURANCE Licensed Brokers ALBERT A.BRISOTTI,JR. Main Road,Mattituck,N.Y. 11952 DANIEL V.BRISOTTI Telephone(516) 2984747 JOHN P.BRISOTTI November 30, 1981 Mr. William F. Mullen, Jr. Town of Southold Southold Town Hall Main Road Southold, New York 11971 Re: Insurance Program Dear Mr. Mullen: As per your specifications, we enclose herewith our premium quotation for the Town of Southold. There are additional comments for which there was not sufficient room on the quotation form. As regards Comprehensive General Liability, the Insurance Company of the State of Pennsylvania excluded the patrol boats (which are picked up separately by the New Hampshire) and Police Professional Liability (which is picked up separately by the American Home) . All of the aforementioned companies are part of the American International Group. In addition, the Insur- ance Company of the State of Pennsylvania would not delete the care custody and control exclusion but has included the I.S.O. Broad Form Endorsement in their quote. The Company also could not quote Employee Benefit Liability due to insufficient information, and with this information and time, we will go to the Insurance Company of the State of Pennsylvania as well as the St. Paul. The only other item which we have omitted is the auto coverage. We checked all our standard markets but were unsuccessful. Given more time we believe that we would be able to locate a market for the auto coverage and, if the rest of the figures in the attached quotation are competitive, we would be happy to try. On behalf of our entire office, please let me take this opportunity to thank you and the Town of Southold for the opportunity afforded us to bid on the Town's Municipal Insurance Package. Please feel free to contact us should you have any questions. Very truly yours, BRISOTTI & SILKWORTH, INC. Daniel V. Brisotti DVB/eaa Encs. IN ASSOCIATION WITH SILKWORTH —REAL ESTATE —APPRAISALS P R E M I U M Q U O T A T I O N (To be submitted in duplicate) V. A. Building and Contents - $2,137,500. Blanket Coverage Deductible ROL All Risk Annual Cost 5000 $11,756. Carrier: Insurance Company of the State of Pennsylvania Policy Period: 1/1/82-83 Premium Payment Plan: Quarterly - No Finance Charge Comments: The Company-s minimum deductible is $1,000. B. Valuable Papers : On Premises $50,000. Off Premises 5,000. Deductible $250. $50. Annual Premium Carrier: Insurance Company of the State of Pennsylvania Policy Period: 1/1/82-83 Premium Payment Plan: Quarterly - No Finance Charge Comments: Quoted lower deductible because it is a minimum premium. C. Comprehensive General Liability a• jib Dtib e $28.215. b. (18) Police Professional liability, additional cost: 1. First Dollar Coverage: - 30 - r C. Comprehensive General Liability Rating basis: Municipal Expenditures CGL - Insurance Company of the State of Pennsylvania Carrier: Police Professional - American Home Premium Payment Plan: Quarterly - No Finance Charge Comments: See cover letter. D. Automobile Insurance Limits — See cover letter. Rate per vehicle: Carrier: Policy Period: Premium Payment Plan: E. Contractors Equipment Floater - $170,200. Deductible Annual Premium Rate per 100 Exposure $ 500 $936. .55 per $100. Carrier: Insurance Company of the State of Pennsylvania Policy Period: l/l/82-83 Premium Payment Plan: Quarterly - No Finance Charge Comments: F. Umbrella Liability First $ 5,000,000: 15,000. Next $ 5,000,000: 4,000. Rating Basis: Underlying information Carrier: Insurance Company of the State of Pennsylvania - 31 - F. Umbrella Liability Policy Period: 1/1/82-83 Premium Payment Plan: Quarterly - No Finance Charge Comments : G. Yacht Insurance Physical Damage — As per specifications including 500,000. C.S.L.P.& I. Deductible $ 500 Premium: $1,357. Carrier: New Hampshire Policy Period: 1/1/82-83 Comments: H. Public Employee Blanket Bond Premium: $4,398. 3 yr.pre-paid; $1,715.-3 yr.ann.installment; $1,627.-1 yr. Carrier: New Hampshire Policy Period: 3 years or 1 year Comments: Includes excess - 32 - r PREMIUM QUOTATION SUMMARY Total annual cost of all coverages with deductibles in the property coverage. $ 500 Deductible: $59000 Deductible: BRISOTTI & SILKWORTH, INC. Name of Agent/Broker P. 0. Box 1448, Main Road Street or P.O. Box Mattituck, New York 11952 City, State, and Zip DANIEL V. BRISOTTI Name of Pers/oon/ Completing Quotation Signature Vice President Title Date: November 30, 1981 _ 33 _ - �,s,�oto, & ���,, I�• ALL FORMS OF INSURANCE Licensed Brokers ALBERT A.BRISOTTI,JR. Main Road,Mattituck,N.Y. 11952 DANIEL V.BRISOTTI Telephone(516) 29811747 JOHN P.BRISOTTI November 30, 1981 Mr. William F. Mullen, Jr. Town of Southold Southold Town Hall Main Road Southold, New York 11971 Re: Insurance Program Dear Mr. Mullen: As per your specifications, we enclose herewith our premium quotation for the Town of Southold. There are additional comments for which there was not sufficient room on the quotation form. As regards Comprehensive General Liability, the Insurance Company of the State of Pennsylvania excluded the patrol boats (which are picked up separately by the New Hampshire) and Police Professional Liability (which is picked up separately by the American Home) . All of the aforementioned companies are part of the American International Group. In addition, the Insur- ance Company of the State of Pennsylvania would not delete the care custody and control exclusion but has included the I.S.O. Broad Form Endorsement in their quote. The Company also could not quote Employee Benefit Liability due to insufficient information, and with this information and time, we will go to the Insurance Company of the State of Pennsylvania as well as the St. Paul. The only other item which we have omitted is the auto coverage. We checked all our standard markets but were unsuccessful. Given more time we believe that we would be able to locate a market for the auto coverage and, if the rest of the figures in the attached quotation are competitive, we would be happy to try. On behalf of our entire office, please let me take this opportunity to thank you and the Town of Southold for the opportunity afforded us to bid on the Town's Municipal Insurance Package. Please feel free to contact us should you have any questions. Very truly yours, BRISOTTI & SILKWORTH, INC. Daniel V. Brisotti DVB/eaa Encs. IN ASSOCIATION WITH SILKWORTH—REAL ESTATE—APPRAISALS ' P R E M I U M Q U O T A T I O N (To be submitted in duplicate) V. A. Building and Contents - $2,137,500. Blanket Coverage Deductible _ _ AllMAL Risk Annual Cost $ 5000 $11,756. Carrier: Insurance Company of the State of Pennsylvania Policy Period: 1/1/82-83 Premium Payment Plan: Quarterly - No Finance Charge Comments: The Company's minimum deductible is $1,000. B. Valuable Papers : on Premises $50,000. Off Premises 5,000. Deductible $250. $50. Annual Premium Carrier: Insurance Company of the State of Pennsylvania Policy Period: 1/1/82-83 Premium Payment Plan: Quarterly - No Finance Charge Comments: Quoted lower deductible because it is a minimum premium. C. Comprehensive General Liability � I. - & E.D. Deductible a• I -- —0-- . $28.215. b. (18) Police Professional liability, additional cost: 1. First Dollar Coverage: - 30 - C. Comprehensive General Liability I Rating basis: Municipal Expenditures CGL - Insurance Company of the State of Pennsylvania Carrier: Police Professional - American Home Premium Payment Plan: Quarterly - No Finance Charge Comments: See cover letter. D. Automobile Insurance Limits — See cover letter. Rate per vehicle: Carrier: Policy Period: Premium Payment Plan: E. Contractors Equipment Floater - $170,200. Deductible Annual Premium Rate per 100 Exposure 500 $936. .55 per $100. Carrier: Insurance Company of the State of Pennsylvania Policy Period: 1/1/82-83 Premium Payment Plan: Quarterly - No Finance Charge Comments: F. Umbrella Liability First $ 5,000,000: 15,000. Next $ 59 000,000: 4,000. Rating Basis: underlying information Carrier: Insurance Company of the State of Pennsylvania - 31 - F. Umbrella Liability Policy Period: 1/1/82-83 Premium Payment Plan: _Quarterly - No Finance Charge Comments: G. Yacht Insurance Physical Damage — As per specifications including 500,000. C.S.L.P.& I. Deductible $ 500 Premium: $1,357. Carrier: New Hampshire Policy Period: 1/1/82-83 Comments: H. Public Employee Blanket Bond Premium: $4,398. 3 yr.pre-paid; $1,715.-3 yr.ann.installment; $1,627.-1 yr. Carrier: New Hampshire Policy Period: 3 years or 1 year Comments: Includes excess - 32 - r" PREMIUM QUOTATION SUMMARY Total annual cost of all coverages with deductibles in the property coverage. $ 500 Deductible: $ 5,000 Deductible: BRISOTTI & SILKWORTH, INC. Name of Agent/Broker P. 0. Box 1448, Main Road Street or P.O. Box Mattituck, New York 11952 City, State, and Zip DANIEL V. BRISOTTI Name of Person CQmpleting Quotation c 4 Signature Vice President Title Date: November 30, 1981 - 33 - INSURANCE PROPOSALS -- $25. 00 Nonrefundable Deposit East End Insurance Services, Main Street , Southold, N.Y. 11971 Rec. $25.00 check no. 1133 on 10/22/81 The George H. Corwin Agency, Front Street , Greenport , N.Y. Rec. $25. 00 check no. 7899 on 10/23/81 Val Stype & Sons , Inc. , Main Road, Mattituck, N.Y. 11952 Rec. $25. 00 check no. 2417 on 10/26/81 McMann-Price Insurance Agency, 828 Front St . ,Greenport , N.Y. Rec. $25.00 check no. 10352 on 10/28/81 Brisotti & Silkworth, Inc. , P. O. Box 1448, Mattituck, N.Y. 11952 Rec. $25. 00 check No. 3733 on 10/30/81 Fac��o - OFFICE RVISOR TO LD WILLIAM A. PELL III TELEPHONE SUPERVISOR (516) 765-1800 MAIN ROAD (516) 765-1939 SOUTHOLD, L.I., N.Y. 11971 October 23 , 1981 Re: Town Insurance Program Gentlemen: Further reference to our prequalifications made on September 23 , 1981. We wish to advise that the applications have now been finalized. They are available, effective October 21, at the Town Clerk' s office, Main Road, Southold, New York. You will, however, be required to leave a nonrefundable deposit of $25 .00 and also the successful bid- der will be required to provide the Town with certification of refer- ence, evidencing errors and omissions coverage, in the minimum amount of $250,000. Please note the figure of $250,000 was erroneously typed $25 , 000 in my previous letter dated October 20. Sincerely yours, William R. Pell, III Town Supervisor GRL/sel OFFICE 01 RVISOR TO LD WILLIAM R. PELL III TELEPHONE SUPERVISOR (516) 765-1800 MAIN.ROAD (516) 765-1939 SOUTHOLD, L.I., N.Y. 11971 October 20, 1981 McMann Price Agency 828 Front Street Greenport, New York 11944 Re: Town Insurance Program Gentlemen: Further reference to our prequalifications made on September 23 , 1981. We wish to advise that the applications have now been finalized. They are available, effective October 21, at the, Town Clerk' s office, Main Road, Southold, New York. You will, however, be required to leave a nonrefundable deposit of $25 . 00 and also the successful bid- der will be required to provide the Town with certification of refer- ence, evidencing errors and omissions coverage, in the minimum amount of $25 .000. Sincerely yours, William R. Pell, III Town Supervisor GRL/sel Q���U�FOC,tt-�oU OFFICE RVISOR TO � LD WILLIAM R. PELL ill TELEPHONE SUPERVISOR (516) 765-1800 MAIN ROAD (516) 765-1939 SOUTHOLD, L.I., N.Y. 11971 October 20, 1981 Roy H. Reeve Agency Inc. Main Road Mattituck, New York 119.52 Re: Town Insurance Program Gentlemen: Further reference to our prequalifications made on September 23 , 1981. We wish to advise that the applications have now been finalized. They are available, effective October 21, at the Town Clerk' s office, Main Road, Southold, New York. You will, however, be required to leave a nonrefundable deposit of $25 . 00 and also the successful bid- der will be required to provide the Town with certification of refer- ence, evidencing errors and omissions coverage, in the minimum amount of $25 .000. Sincerely yours, William R. Pell, III Town Supervisor GRL/sel OFFICE RVISOR O TO LD WILLIAM R. PELL III TELEPHONE SUPERVISOR (516) 765-1800 MAIN ROAD (516) 765-1939 SOUTHOLD, L.I., N.Y. 11971 October 20, 1981 Howdy Valentine 124 Front Street Greenport, New York 11944 Re: Town Insurance Program Gentlemen: Further reference to our prequalifications made on September 23 , 1981. We wish to advise that the applications have now been finalized. They are available, effective October 21, at the Town Clerk' s office, Main Road, Southold, New York. You will , however, be required to leave a nonrefundable deposit of $25 . 00 and also the successful bid- der will be required to provide the Town with certification of refer- ence, evidencing errors and omissions coverage, in the minimum amount of $25 .000. Sincerely yours, William R. Pell, III Town Supervisor GRL/sel oS�FFot,Y�o z OFFICE RVISOR O T O ' ,F % LD WILLIAM R. PELL III 11 TELEPHONE SUPERVISOR (516) 765-1800 MAIN ROAD (516) 765-1939 SOUTHOLD, L.I., N.Y. 11971 October 20, 1981 Rausch Brokerage Corp. 50800 West Main Street Southold, New York 11971 Re: Town Insurance Program Gentlemen: Further reference to our prequalifications made on September 23 , 1981 . We wish to advise that the applications have now been finalized. They are available, effective October 21, at the Town Clerk' s office, Main Road, Southold, New York. You will, however, be required to leave a nonrefundable deposit of $25 . 00 and also the successful bid- der will be required to provide the Town with certification of refer- ence, evidencing errors and omissions coverage, in the minimum amount of $25 .000. Sincerely yours, William R. Pell, III Town Supervisor GRL/sel Q�o���Fo�roG OFFICE RVISOR O TO � - OLD WILLIAM R. PELL III TELEPHONE SUPERVISOR (516) 765-1800 MAIN ROAD (516) 765.1939 SOUTHOLD, L.I., N.Y. 11971 October 20, 1981 Val Stype & Sons, Inc. Main Road Mattituck, New York 11952 Re: Town Insurance Program Gentlemen: Further reference to our prequalifications made on September 23 , 1981. We wish to advise that the applications have now been finalized. They are available, effective October 21, at the Town Clerk' s office, Main Road, Southold, New York. You will, however, be required to leave a nonrefundable deposit of $25 . 00 and also the successful bid- der will be required to provide the Town with certification of refer- ence, evidencing errors and omissions coverage, in the minimum amount of $25 . 000. Sincerely yours, William R. Pell, III Town Supervisor GRL/sel ��cwFFO(�`OG OFFICE RVISOR TO LD WILLIAM R. PELL III %i TELEPHONE SUPERVISOR (516) 765-1800 MAIN-ROAD (516) 765.1939 SOUTHOLD, L.I., N.Y. 11971 October 20, 1981 East End Insurance Services Main Street Southold, New York 11971 Re: Town Insurance Program Gentlemen: Further reference to our prequalifications made on September 23 , 1981. We wish to advise that the applications have now been finalized. They are available, effective October 21, at the Town Clerk's office, Main Road, Southold, New York. You will, however, be required to leave a nonrefundable deposit of $25 .00 and also the successful bid- der will be required to provide the Town with certification of refer- ence, evidencing errors and omissions coverage, in the minimum amount of $25 . 000. Sincerely yours, William R. Pell, III Town Supervisor GRL/sel z OFFICE rlr' RVISOR O � . T O . L1j� LD WILLIAM R. PELL III TELEPHONE SUPERVISOR (516) 765-1800 MAIN ROAD (516) 765-1939 SOUTHOLD, LJ., N.Y. 11971 October 20, 1981 Bresotti & Silkworth Inc. Main Road Mattituck, New York 11952 Re: Town Insurance Program Gentlemen: Further reference to our prequalifications made on September 23 , 1981. We wish to advise that the applications have now been finalized. They are available, effective October 21, at the Town Clerk' s office, Main Road; Southold, New York. You will, however, be required to leave a nonrefundable deposit of $25 .00 and also the successful bid- der will be required to provide the Town with certification of refer- ence, evidencing errors and omissions coverage, in the minimum amount of $25 . 000. Sincerely yours, William R. Pell, III Town Supervisor GRL/sel OFFICEE. RVISOR TO 1 r LD WILLIAM R. PELL ill TELEPHONE SUPERVISOR (516) 765-1800 MAIN ROAD (516) 765-1939 SOUTHOLD, L.I., N.Y. 11971 October 20, 1981 Fred W. Kaelin, Inc. Main Street Cutchogue, New York 11935 Re: Town Insurance Program Gentlemen: Further reference to our prequalifications made on September 23 , 1981. We wish to advise that the applications have now been finalized. They are available, effective October 21, at the Town Clerk' s office, Main Road, Southold, New York. You will, however, be required to leave a nonrefundable deposit of $25 . 00 and also the successful bid- der will be required to provide the Town with certification of refer- ence, evidencing errors and omissions coverage, in the minimum amount of $25 . 000. Sincerely yours, William R. Pell, III Town Supervisor GRL/sel P ,. , ( D T LD S : L y �ply� Southold, N.Y. 11971 HENRY E. RAYNOR, Jr., Chairman TELEPHONE )QWZWx=KXMxDM 765-1938 JAMES WALL BENNETT ORLOWSKI, Jr. GEORGE RITCHIE LATHAM, Jr. William F. Mullen, Jr. October 20, 1981 Office of the Supervisor Southold Town Hall Southold, New York 11971 Re: Town Insurance Program Gentlemen: Further reference to our prequalifications made on September 23 , 1981. We wish to advise that the applications have now been finalized. They are available, effective October 21, at the Town Clerk' s office, Main Road, Southold, New York. You will, however, be required to leave a nonrefundable deposit of $25 .00 and also the successful bid- der will be required to provide the Town with certification of refer- ence, evidencing errors and omissions coverage, in the minimum amount of $25 ,000. Yours very truly, William F. Mullen, Planning Board sel • dJ i icam J. ✓IA1 9r. LICENSED INSURANCE CONSULTANT POST OFFICE BOX B9 CUTCHOGUE,NEW YORK 11935 (SI 6)734-7385 16 October 1981 Mr. Robert Tasker 425 Main Street Greenport, NY 11944 Re: Insurance Dear Mr. Tasker: I am pleased to enclose herein a copy of the insurance specifications for Southold Township which is to be bid this year for placement of policies that expire January 1, 1982. I appreciate your review and any comments you desire to make. The writer will be at the Town Board meeting approximately 9 a.m. on Tuesday October 20th, hopefully to secure final approval of these specifications and make them available to the various broker/agents. Yours .very truly, r . V William F. �1en"" r. cc: Wm. R. Pell III Town Board Members J. Terry This material given to Town Clerk' s Office by William Mullen on October 20, 1981. Mr. Mullen said that Supervisor' s Secretary was instructed to send out bid specifications to the eight (8) companies on attached list , and give copy of everything to Town Clerk. NA$S OF �IRN � � n R� ��PQ°d-�� r Gorman & Associates tilattituds, N.Y. 11952 Edward F. Cook Agency, Inc . Box 720 1attituck, N.Y. 11952 Floyd F. ring Jr. 22420 .lain road j , N. Y. 11. :iaelin, Inc.treetgue, J.Y. 11935 ti lilkworth Inc. qjoaduck, N.Y. 11952 ;tephen Abbott Insurance Box 720 Miattituck, N. Y. 119_52 Insurance -epast end rvi :rain .;treat ces Southold, 1. r. 11971 Townsend Inc. 216 <+Main .jtreet Greenport, +. i. 11944 �( J al type ".ions, Inc. ,Iain Road riattitucc' -41-t--11952 Rausch Brokerage Corp, r p 50800 lest xain street yl .gout 11 Roy H. Reeve Agency Inc. 1 J lain Road Mattituck, N.Y. 11952 c;ann Pri6:-e._-.'agency 828 Fronte tre t11 Greenport, N.Y. 11944 X.owdy Valentine C _ 124 .o ront street Greenport, N Z. 11944 F --------- ._ INDEX Pale General Information . . . . . . . . . 1 to 5 Risks to be Insured . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 to 12 Buildings and Contents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Liability Exposures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 to 16 Vehicles - Automobile Liability Insurance . . . . . . . . . . . . . . 17 to 22 Contractors Equipment23 Current Insurance Schedule . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Loss Information . . . . . . . . . . �5 to 29 Premium Quotation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 to 33 TOWN OF SOUTHOLD, NEW YORK I. General Instructions The Town of Southold is interested in receiving bids on its property and liability insurance programs, in accor- dance with specifications attached, to take effect on January 1, 1982. The purpose of the specifications is to provide the Town with an insurance program which involves improved pricing, broader coverage, and if to the advantage of the Town, fewer policies and carriers. While imagination and innovation are encouraged, all suggestions which differ from the general specifications should be presented as alternatives in the Proposal, and will be consid- ered. Also, where coverage proposed is less than or greater than indicated in the specifications, it should be noted in your Pro- posal. It is the intent of the Town to establish or continue a long- term relationship with one or more insurance companies. It is anticipated that a subsequent quotation procedure will not be carried out for a least three years. While the Town prefers to have the insurance program coordinated by one agent/broker, it will accept proposals encompassing less than the total insurance program outlined herein. The Town also reserves the right to deal directly with any association that will be to their advan- tage as to cost and coverage. - 1 - • I. General Instructions (Continued) The underwriting, exposure, loss data and other infor- mation furnished by the Town and its current agents and under- writers have been compiled from available statistics. If you desire additional information or have questions regarding the material contained herein, please write to Mr. William F. Mullen Jr. , Risk Manager, Town of Southold, 53095 Main Road, Southold 11971. Mr. Mullen has served :as consultant to the Town of Southold in preparing the enclosed insurance specifications and will be assisting in the evaluation of insurance proposals. II. Qualifications and Requirements for Insurance Companies Any insurance company used by an agent or quoting directly shall: 1. By qualified and/or licensed in the State of New York (non-admitted or surplus lines companies shall be on the approved list of the New York State Insurance Commissioner) . Insurance agents/brokers selected to submit proposals on the Town's insurance program will be assigned insurance markets to prevent prospective insurance underwriters from receiving pro- posal requests from more than one agent/broker. Following the final selection of the agent/broker to handle the Town' s insur- ances, that agent/broker will have access to the total market- place in order to secure the broadest and most reasonably priced insurance. 2 - III. General Cond'1 ions f allQuotation Pr� is t or a oposa s _ 1. Sealed quotations shall be submitted in writing on or before 10:00 a.m. , November 30th 1981, to the Town Clerk, Town of Southold, 53095 Main Road, Southold, New York 11971. All quota- tions will be opened at 10:00 a.m. , November 30, 1981. Quotes will be reviewed and a decision on or about December 8, 1981. 2. Quotations shall be in duplicate, following the format of these specifications. 3. The effective date coverage will be January 1, 1982, unless otherwise stated. The companies awarded the business shall provide a signed bin- der on or before December 15, 1981, and deliver policies within a reasonable time thereafter. 4. The Town requests that the term of all contracts be three years except for policy terms limited by law. 5. A total quotation is requested from each agent for all coverage, limits, and levels of retention. The preference is for one insurer rather than several and for the use of a "package" policy where possible. 6. The Town reserves the right to accept or reject any and all proposals and to select the one it deems to provide the best coverage at the most favorable price, in relation to the service provided. The Town also encourages initiative and imagination in developing the broadest possible proposal consistent with a _ 3 _ reasonable price. Guidelines and underwriting data provided are not intended to limit flex- ibility of proposals. 7. Transition Period Services - The agent/broker awarded the program will be expected to work with the Town to incorporate, cancel or elimi- nate all exisitng policies which will be in- cluded under the new program. IV. Overall Policy Standards The following general policy standards will apply to all proposals: 1. Named Insured - All property policies shall be issued in the name of: "Town of Southold, New York; . In addition to the above, liability poli- cies are to include as insureds: "All elected or appointed boards and commissions, officials, off- icers, employees, and volunteers, both individually and collectively, when acting, or deemed by a major- ity of the Town Board to have been acting within the scope and performance of their duties for the Town." 2. Notice of Cancellation - All insurance contracts should contain provisions for a minimum of 30 days' prior written notice of cancellation, nonrenewal, material increase in rate or material reduction in coverage. Such notice shall be given to the Town Clerk, Town of Southold, 53095 Main Road, Southold, New York 11971. 3. Premium Payments - Policies. are requested to be written on a three-year basis, if possible, with premium payments in annual installments. Monthly installments are preferred on package policies or single contracts with large premiums, with no finance charges. 4. Loss Adjustments - All losses should be adjus- table with and payable to the Town of Southold. An endorsement shall be attached to each policy providing that the time for proper notification to the insurance company begins only after the Supervisor and Town Clerk have knowledge of the event. 5. Policy Dates - All insurance policy contracts should expire on January 1. 6. Rating - The Town prefers composite rating where possible, using tax revenues of $ 4, 500,000 or payrolls for an estimate from January 1, 1982 to 1983 of Slf 950,000 for liability rating. 7. Coverage afforded by all the insurance policies shall not be invalidated of effected -by any in- advertent error, omission or improper descrip- tions mentioned in the specifications. _ 5 _ RISKS TO BE INSURED V. Description and Location A. Building and Contents Buildings . Total Exposure $500 Deductible $5000 Deductible $1,934,000 $1,928,000 $198839100 Conte; Total Exposure $500 Deductible $5000 Deductible $203,500 $200,000 $1 68 5.00 1. Perils - : Proposals should be quoted for fire, extended coverage, vandalism and malicious mischief. : Optional: policy may be quoted on an all-risk basis, with separate limits and deductibles for earthquake and flood. - 6 - 2. Valuation - Real and personal property are on a replacement-cost basis. 3. Deductible - $ 500 per occurrence; and $ 5,000 per occurrence. B. Valuable Papers Insurance - Location: Southold Town Hall 53095 Main Road Southold, New York 11971 Limit on Premises - $ 50,000 Limit off Premises - $ 5,000 C. Comprehensive General Liability Insurance - 1. The premium should be determined by using the simplest rating basis possible, preferably the 1981 payroll or the Town budget. 2. Limits - Bodily injury and property damage: $ 500,000 combined single limit per person and per occurrence. 3. Coverage to pay on behalf of insured for all sums which insured may be liable, including defense costs. 4. Pricing - a. First dollar coverage. 5. Products and completed operations to be included. 6. At least provide broad form property damage or eliminate the care, custody or control exclusion. - 7 - 0 7. Liability arising out of the use of unlicensed vehicles including all owned or leased mobile equipment is to be included. Such vehicles and equipment shall not be deemed automobiles. 8. Personal InJury - A, B. and C should include: false arrest, detention or imprisonment, mal- icious prosecution, libel, slander, deleting exclusion 9. Blanket Contractual Liability - Preferably for both written and oral contracts and agreements defamation of character, invasion of privacy, wrongful eviction, wrongful entry, assault and battery, payment of damages for care and loss of services, mental anguish, fright, humiliation, discrimination or any other injury that any per- son may suffer to his person, reputation, char- acter, feeling or estate. Standard personal in- jury exclusion "C" should be deleted. 10. Employee Benefit Program 11. Fire, Legal Liability - Real property, $ 50,000 limit. 12. Independent Contractos and subcontractors are to be included as additional insureds to the extent their liability insurance is adequate. - 8 - 13. Eliminate the XCU exclusion, except that it may be applied to specific construction, to be defined. 14. Premises, whether or not declared, and operation. 15. Incidental medical malpractice coverage. 16. Host liquor liability endorsement is to be added to the contract. 17. Additional insured employee, including volunteers. 18. Police Professional Liability - if necessary, a separate policy will be acceptable. To be speci- cally quoted. 19. Additional insured should include any person, organization, trustee or state to whom or to which the Town is obligated by virtue of a written contract to provide insurance as afforded by the policy. 20. Liability arising out of boat docking/marina operations. If possible, eliminate the water- ways exclusion for the Town for the period of May 1 to November 30 normally. They operate four small crafts under 26 feet, confined to the coastal and inland waters of the Peconic Bay and Long Island Sound (50) mile radius of Southold Township. This operation is performed by the Southold Police Department. _ g _ D. Automobile Insurance: 1. "Fleet automatic" basis for all vehicles, with a summary of changes to be reported annually. 90 day coverage for leased vehicles provided lease reported within 90 days, 2. Vehicles to be Insured - All Town vehicles (including vehicle number, make, model, year, body type) to be insured for liability. 3. Limits - Bodily injury and property damage: combined single limit $500,000 per person and per occurrence. 4. Coverage - Bodily injury and property damage arising out of owned, hired and non-owned vehicles. 5. Policy to comply with all New York require- ments including uninsured motorist and New York no fault requirements. 6. Collision and comprehensive fiscal damage coverage subject to $500 deductible will apply to the units designated with an . E. Contractor's Equipment Floater 1. Coverage on an "all risk" basis. 2. Provide coverage basis on an annual adjustment form which provides quotmatic coverage for all - 10 - 2. owned, acquired or leased equipment including newly-acquired equipment and which does not have a co-insurance requirement. 3. Limits, - $170,200 policy limit involving ten items. 4. Retention - Price is required on $500 per occurrence and $5,000 deductible per occur- rence. 5. Liability coverage for all contractor' s equipment should be provided, whether li- censed or unlicensed. 6. Co-insurance requirements - 80% or if agree- able with underwriter, void any co-insurance requirement. F. Umbrella Liability Insurance 1. Limits - Bodily injury and property damage - combined single limit (1) $5 million, or (2) $5 million per occurrence with a total umbrella aggregate of $10 million. 2. Self-insured retention of $10,000 per occurrence where underlying insurance is not provided. 3. Includes defense and settlement within retention when primary limits are exhausted. - 11 - • 4. Coverage for owned and non-owned watercraft. 5. Form to be "pay-on-behalf-of" rather than indemnification form, if possible. 6. Specific information regarding restrictions of coverage or broader coverage than underlying protection is required. G. Yacht Insurance Physical Damage Coverage on four patrol boats. QUANTITY DESCRIPTION YEAR USED 1 13, 6" Boston Whaler $2,000 1966 Yr. Rd. 18 HP Mercury with Trailer 1 13' 6" Boston Whaler $20000 1967 Yr. Rd. 40 HP Evinrude with Trailer 1 Barge - 181 $1,000 1970 4 Months 33 HP Johnson 1 24' Boat "Privateer" $ 30,000 1981 Yr. Rd. 85 HP Johnson Deductible $500 H. Public Employee Blanket Bond: $25,000 - Insuring Agreement 4 - Blanket Position Bond. Additional Indemnity Title Excess Total Supervisor $190,000 $2159000 Deputy Supervisor $190,000 $215,000 Tax Receiver $ 759000 $100,000 Account Clerk $ 50,000 $ 759000 -. 12 - IDEN. NO. DESCRIPTION AND LOCATION CONTENTS BUILDING 1/1 Steel Radio Tower /N/S Rt. 259 Peconic, NY $ 3,00( 1/2 Polics Hdqtrs. NIS Rt. 25, Peconic, NY $5O9000C $ '-150900( 3/1 Town Hall NIS Main St. abt. 1400' $6795O0C $ 700900( c/o Hortons .Lane Southold, NY 4/1 Storage Barn W/S Peconic Lane abt. $159000C $ 15900( 300' n/o Rt. 25, Peconic, NY 4/2 Garage & Repair W/S Peconic Lane $3O9000C $ 175900( Shop Peconic, NY 4/3 Storage Bldg. Equip. W/S Peconic Lane abt. $259000 $ 55,00( 300' n/o Rt. 25 Peconic, NY 4/4 Lawn Mower Repair W/S Peconic Lane $ 6,000 $ 15900( Shop rear of bldg. ##1 Peconic, NY 5/1 Beach house toilets SIS New Suffolk Ave. $ 10900( abt. 200' w/o First St. , New Suffolk, NY 7/1 Animal Shelter NIS Rt. 25, rear of $ 31900( Police Hdqtrs. , Peconic, NY 8/1 Town Dump Shed NIS Rt. 48, abt.- 1/2 $ 60( mile w/o Cox' s Lane - Cutchogue, NY 8/2 Garage for pay- NIS Rt. 48, abt. 1/2 $ 10900( loader mile w/o Cox's Lane Cutchogue, NY 9/1 Senior Citizens & E/S Peconic Lane, $109000 $ 170,00( Youth Center Bldg. adjacent to Schoolhouse Peconic, NY Total Exposure $203,500 $1,934900( - 13 - Loc #1 Bldg #2 A - Policemen 93141 Loc #3 Bldg #1 A - Government employees - Municipal 93111 Township, county or state A - Street or Road Construction or 16112 Maintenance - State, County, City or other government units A - Garbage Works - reduction or 49532 incineration A - Streets, roads or highways - with 92151 or without sidewalks-including bridges and culverts but excluding toll roads, toll bridges and draw bridges - exis- tence only A - Sewage disposal - plant operation 49521 A - Building or Premises - Office 65121 A - Building or Premises - Office 65121 Loc #7 Bldg #1 A - Dog Kennels - breeding, boarding : 07290 or sales A - Boats - not for hire - outboard 44615 motor - 25 horsepower or more A - Public Bathing Beaches 79486 A - Public Bathing Beaches 79[x.87 A - Playground equipment - all types - 79304 including wading pools A - Senior Citizens rated as 15% of: 58161s Restaurants A - Restaurants 58161s D - Broad Form Contracts 65502 D - Broad Form Contracts 65502 14 - - Loc #9 Bldg #1 A - Senior Citizens rated as: Halls 93120s D - Contractual Liability N.O.C. 15193 Employee Benefits Additional Insured - 15 - ADDITIONAL NAMED INSURED SCHEDULE Loc 1 Bldg 2: NIS Rte 25, Peconic, NY 1-Richard Lark 2-RVD Auto Parts Loc 3 Bldg 1: NIS Main St. , Southold, NY 3-E.E. Wortis Loc 7 Bldg 1: NIS Rte 25, Peconic, NY 4-D. Rothman 5-L.I.R.R. Loc 9 Bldg 1: E/S Peconic Lane 6-Agnes Reinhart Peconic, N.Y. 7-Demarest - 16 - POLICE DEPARTMENT VEHICLES Veh. No. Yr. Trade Name Type ID No. Cost New Compr. Ded. Coll. Ded. Comments 1. 77 Ford pass. 7B63A252461 $ 6,500 $ 500 $ 500 Supervisor' s 2. 74 Ford Bronco pass. U15TLT40101 $ 3,560 *. 3. 79 Chrysler pass. TH42L9A199306 $ 7,000 500. 500 -t 4. 79 Chrysler pass. TH42L9A199347 $ 79000 500 $ 500 5. 69 Willys truck 29859 * 6. 78 Ford.'. pick-up F26HECE1535 $ 69000 $ 500 $ 500 * 7. 79 Chrysler pass. TH42L9A199308 $ 79000 $ 500 $ 500 Transferred to Hwy Dept 1-8-81 * 8. 80 Plymouth pass. JL42LAA140939 $ 79200 $ 500 $ 500 H * 9. 80 Plymouth pass. JL42LAA140940 $ 79200 $ 500 $ 500 * 10. 80 Plymouth pass. JL42LAA140936 $ 79200 $ 500 $ 500 * 11. 80 Plymouth pass. JL42LAA140937 $ 79200 $ 500 $ 500 * 12. 80 Plymouth pass. JL42LAA140938 $ 7,200 $ 500 $ 500 * 13. 80 Plymouth pass. JL42LAA141294 $ 79200 $ 500 $ 500 * 14. 81 Ford pass. 2FABP31G7BB136456 $ 500 $ 500 * 15. 81 Ford pass. 2FABP31GXBB136452 $ 500 $ 500 * 16. 81 Ford pass. 2FABP31G5BB136455 $ 500 $ 500 * 17. 81 Ford pass. 2FABP31G1BB136453 $ 500 $ 500 * 18. 81 Ford pass. 2FABP31G3BB136454 $ 500 $ 500 MISCELLANEOUS VEHICLES Veh. No. Yr. Trade Name Type ID No. Cost New Compr. Ded. Coll. Ded. Comments 1. 78 Ford. pickup FlOBECC1228 $ 4,501 $ 100 $ 100 Dog Warden 2. 78 Plymouth van BC2BE8K124662 $ 79430 $ 500 $ 500 Sr. Citizens 3. 72 Matador sedan A2A157E147464 $ 2,600 $ 500 Bldg. Inspector 4.. 72 Matador st. wag. A2A187H292700 $ 29800 $ 500 Assessor's 5. 79 Fiat payldr. 145C64M04089 $ 129,750 $ 500 Landfill 6. 74 Ford,' st. wag. E31GHT30305 $ 39500 $ 500 $ 500 Sr. Citizens 7. 76 Ford sedanF6B53A221502 $ 69125 $ 500 Bldg. Inspector 8. 80 Dodge van B32JEAK111393 $ 89000 $ 500 $ 500 Sr. Citizens * 9. 80 Plymouth wag. BC6KTAK137973(11 pass) $11,000 $ 500 $ 500 Sr. Citizens (added 2-11-81) * 10. 81 Chevrolet wag. 2G1AL35J6Bll50063 $ 79004 $ 500 $ 500 Youth Director (added 5-13-81) HIGHWAY DEPARTMENT VEHICLES Veh. No. Yr. Trade Name Type ID No. Cost New Compr. Ded. Coll. Ded. Comments 1. 73 Internat'l dump 3H2AOCHB42352 $10,880 $ 500 2. 66 Internat'l dump 211912G205375 I 3. 63 Internat'l dump FD37896G 4. 70 Internat'l dump 314501H955730 5. 62 Internat'l dump FD5293F 6. 56 Internat'l dump RD40666889 7. 75 Ford payldr. 447259 $319894 $ 500 rn 8. 78 Internat'l dump D1222HGB18578 $20,000 $ 500 9. 77 Ford pkup FlOGEY44701 $ 49179 $ 500 10. 64 Internat'l dump BD406192699 11. 65 Internat'l dump FD9079OF 12. 57 F.W.D. & Plow 91543 13. 58 Internat'l dump RD406100565 14. 81 Dodge pkup 1B7HD24P1BS120603 $ 79890 $ 500 $ 500 15. 59_ Internat'l dump RD406119167 16. 48 Chevrolet oil trk LCA1059748 17. 59 Internat'l cab & SB2629F chassis HIGHWAY DEPARTMENT VEHICLES Veh. No. Yr. Trade Name Type ID No. Cost New Compr. Ded. Coll. Ded. Comments , 18 60 Internat'1. dump ERD406142890 190 62 F.W.D. dump J31072 *20. 78 Ford pass. 8B63S163337 $59000 500 $ 500 21. 67 Internat'l. dump 211912G229173 .22. 67 Mobile sweeper 2TE4742630 $159000 $ 500 23. 68 Internat!.1 , dump 12012G278950 24. 72 Internat'l tractor 2139 $109923 $ '500 ,25. 69 Internat'l dump 717911G3295000 26. 70 Internat'l dump 707211G374933 27. 66' Internat'l trk FD112534H o 28. 72 Internat'1 dump 7072116475279 $10,698 N *29. 78 Ford pkup FlOGEBA3544 $ 5,107 $ 500 $ 500 30. 75 Dodge pkup D14BB58139621 $ 49500 $ 500 31. 73 Internat'l dump 70721CGB11058 $109880 32. 73 Mobile sweeper 411643 $199195 33. 74 Internat'1 dump 70721DGB13421 $12,700 34. 74 Internat'l dump 4H2AOHB36933 35. 74 Mobile sweeper 412103 $ 2,200 36. 75 sidewalk Loader $ 59500 $ 500 HIGHWAY DEPARTMENT VEHICLES Veh. No. Yr. Trade Name Type ID No. Cost New Compr. Ded, Colle. Ded. Comments *37. 76 Ford with lift F37YEC26061 $139525 $ 500 $ 500 38. 52 GMC 41183206 $ 5,993 39. 75 Ford dump F37YEV63895 $ 61,200 $ 500 *4o. 77 Dodge dump D81GR7JO01431 $129983 $ 500 *41. 77 Dodge dump D81GR7JO01432 $129983 $ 500 42. 79 AMC passedan A9AO57E234661 $ 3,875 $ 500 $ 500 *43. 77 Ford Econoline E14BH240410 $119500 $ 500 Refrig. F.I. rate *44. 79 Internat'l dump CA252JHA33268 $219878 $ 500 $ 500 45. 52 GMC dump 80029200 *46. 79 Internat'l tractor B480003BOO1599X $109000 $ 500 47. 77 Ford pkup F26HEY62696 $ 49179 $ 500 $ 500 48. 75 Ford pkup FlOBEV62286 $ 39800 49• 63 Internat'l backhoe 4165ZGG $ 99119 $ 500 $ 500 F.I. rate *50. 81 Chevrolet dump 1GBJC34M8BV101386 $ 99119 $ 500 $ 500 *51. 81 Chevrolet dump 1GBJC34M2BV101383 $ 9,119 $ 500 $ 500 F.I. rate *52. 81 Internat'l dump CA255BHA108967 $359469 $ 500 $ 500 53. 81 Giant V.A.C. Tri. S #191 $ 29269 Added 2-27-81 HIGHWAY DEPARTMENT VEHICLES Veh. No. Yr. Trade Name Type ID No. Cost New Compr. Ded. Coll. Ded. Comments 54. 81 Dynahoe Backhoe D190-D50417E $ 789400 $ 500 $ 500 Added 5-6-81 550 81 Mobil Sweeper 820-4-1263 $ 539787 $ 500 $ 500 Added 5-6-81 *56. 81 Internat'l. Dump 1HTCA2556BHA27031 $ 339993 $ 500 $ 500 Added 7-30-81 *57. 81 Hyster Trailer 23401 $ 27,795 $ 500 $ 500 Added 7-31-81 i * Deductive collision and comprehensive $500 c CONTRACTOR'S EQUIPMENT Vehicle No. 5 Misc. 1979 Fiat payloader 145C64MO4089 $ 30, 000 7. Hwy. 1975 Ford payloader 447259 $ 10, 000 22. Hwy. 1967 Mobile sweeper 2TE4742630 $ 2, 000 er 411643 $ 10, 000 1973 Mobile sweeper 32. Hwy. p 35. Hwy. 1974 Mobile sweeper 412103 $ 101, 000 36. Hwy. 1975 Sidewalk loader $ 11, 000 49. Hwy. 1963 International backhoe 4165ZGG $ 49000 53. Hwy. 1981 Giant V.A.C. tri. S #191 $ 1,000 . 54. Hwy. 1981 Dynahoe Backhoe D190-D50417E $ 78,000 55. Hwy. 1981 Mobile sweeper 820-4-1263 $ 53, 000 . $ 170,200 i ENTITY: TOWN OF SOUTHOLD INSURANCE SCHEDULE AS OF' SEPTEMBER 21, 1981 CARRIER POLICY # PREMIUM TERM COVERAGE INFORMATION Utica Mutual FMP22672 36,295 Deposit 1-1-81 to 84 Speed Multi-Peril Coverage Annually Utica Mutual BAP652236 31,443 Annual 1-1-81 to 82 Auto Liability & Physical Damages Utica Mutual LU5950 16,800 1-1-81 to 82 Umbrella Liability $59000,000 Forum Ins. Co. P024285 3,800 11-17-80 to 81 Public Official Liability $1,000,000 Hartford A & I 12C176891 61 11-25-80 to 81 Owners Protective - State of New York • Hartford A & I 12CAE2340 142 10-14-79 to 81 Owners Protective- LILCO & NY Telephone USAIG LG17312 815 3-2-81 to 82 Airport Liability - Fishers Island Aetna Casualty 73CF-19 62 Annually 3-27-80 to 83 Depositers Forgery Bond $10,000 Aetna Casualty 73BY-375 525 12-1-80 to 83 Aetna Casualty 73S-17116-BCA 1-1-81 to 12-31-81 Public Official Bond - Joan, Rich i ter $50,00 Aetna Casualty 735-7262-BCA 12-1-79 to 12-1-83 Public Official Bond - George Mellas $100,00 Aetna Casualty 73S-14781-BCA 1-1-78 to 12-31-81 Public Official Bond - Jim Rich $ 49000 'F Aetna CasualtyS-1628 73 7 1-1-80 to 12-31-81 Public Official 'Bond - Wm. Pell III $200,000 f • Aetna Casualty 735-16288 1-1-80 to 12-30-81 Public Official Bond - 'Wm. Pell III $159000 Aetna Casualty 73S-5527 1-1-80 to 12-30-81 Raymond Dean - $ 29000 Aetna Casualty 73S-16084 0 1-1-80 12-31-83 t Frederick Tedeschi - 4 000 Aetna Casualty 73S-12374 1-1-81 to 12-31-81 Alfred Grebe - '$ 4100(; Aetna Casualty 73S14880 1-1-81 to 12-31-81 .Lawrence Horn - $ 4,000 Aetna Casualty 73S-17307 4-1-81 to 12-31-81 Public Official Bond - Frank Murphy $ 2009 OG If Aetna Casualty 735-17306 4-1-81 to 12-31-81 -;tablic Official Bond - Frank Murphy $ 15 000 Aetna Casualty 735-13723 1-1-80 to 12-30-81 Public Official Bond - Judith Terry $4,000 r McMANN - PRICE AGENCY WILLIAM H.PRICE _ - - 828 FRONT STREET GREENPORT, N. Y. 11944 TEL.:516 -477-1680 SOUTHOLD TOWN - PREMIUMS & LOSSES Auto Liability Premiums Incurred Losses 1978 $13, 886. 00 $ 1, 039. 00 1979 $17, 757. 00 $ 2, 182. 00 1980 $14, 275. 00 $ 160. 00 1981 $11, 566. 00 $ 719. 00 (Jan, 1981 to Jun. 1981) Auto Collision Premiums Incurred Losses 1978 $ 3, 619. 00 $ 3, 250. 00 1979 $ 2, 736. 00 $ 191. 00 1980 $ 2, 847. 00 $ 0. 00 1981 $ 2, 061. 00 $ 0. 00 (Jan, 1981 to Jun. 1981) Special Multi-Peril Premiums Incurred Losses 1978 $68, 168. 00 $ 2, 417. 00 1979 $66, 226. 00 $52, 994. 00 1980 $69, 048. 00 $ 910. 00 1981 $18, 148. 00 $19, 745. 00 (Jan, 1981 to Jun. 1981) - 25 - McMAlNN - PRICE AGENCY WILLIAM H. PRICE 828 FRONT STREET GREENPORT, N.Y. 11944 TEL:516 -477-1680 SOUTHOLD TOWN CLAIMS FOR 1981 - FIRST SIX MONTHS 1-04-81 Claimant vs Town - Broken Windshield Pd. $ 164. 57 1-20-81 Claimant vs Town - Broken Windshield Pd. $ 288. 80 2-20-81 Burglary & Vandalism - Senior-Youth Center Pd. $1, 811. 00 3- 12-81 Claimant vs Town - Broken Windshield Pd. $ 266. 00 6-04-81 Merdo vs Town of Southold - slipped on floor Notice Only at Senior-Youth Center Notice of Claim - Personal Injuries and Damages: 1-20-81 Robert Heins vs Town - Poorly maintained road $250, 000..00 1-20-81 J. Stevens (deceased) vs Town - Poorly maintained road$5, 000, 000. 00 TOTAL INCURRED LOSSES: $21, 183. 97 i February 7, 1979 The following is Claim Status for Southold Town 1/16/78 Finger vs. Town Hole -Duck Pond) 6100.00 Paid 6/19/78 1/ 4/78 Sjedjeski vs. Town (Parking Lot) Not settled 1/17/78 Mahoney vs. Tpwn (Highway) 6 94.44 NdgjjRq*RRA6/l +S2,c+v Pc+t'- Sii,'T 2/15/78 Kelly vs. Town (Town Hall-Construction site) . Not settled 4/ 5/78 Koroleski vs.. Town(Highway MV acc. ) 6 104.64 Paid 5/9/78 6/16/78 Van Workum vs.Town (Highway MV acc. ) S 84.48 Not settled 6/30/78 Freeman vs. Town (Police MV acc. ) 63250.00 Paid Collision 6/30/78 Eissler (windsh. )vs.- Town (Highway MV acc. ) $ 158.90 Not settled 6/30/78 Murphy vs. Town Fall-sidewalk) 6 340. 86 Paid 9/26/78 8/19/78 Gabbert vs. Toww )Police MV acc. ) 6 573. 59 Paid 11/15/76 10/23/78 Weaver vs.Town (Police MV acc. ) Not settled 11/27/78 6zgzkahNeenfield vs.Town(Police MV acc. ) 6197.95 N o t settled 12-14-78 - ureenport Drum Corps. - broken glockens eil - raid. W33.80 on E-17-79'( 12-23-78 - Margaret Delanno-stepped on branch and hurt lei; - osid "200,00 on 6-18-79 1-2-29-78 - Linda Beiderman - slid on ice - IncerNtioris -. No payraert 12-29-78 - .Brian Robins - slid on ice - la,oratj of�s-propert� Oa!al lg—_- to vehicle - No payment_ SOUTHOLD TOWN 'LOSSES- FOR PERIOD 1/5/79 T!-',ROUGH 1-2/31/79 i Y'P ./5/79 Lockman vs . Town ( Claimant protestsJetty at Inlet . t r-!i ro-ed r, - C euc RT 1/18/79 Moore vs . Highway Dept. ( Claimant' s l,roken -:tone= frnr truck . Claimant was paid 2106 . 17. 1 <: ]./24/79 Lark vs. ,Town. laimaht protests water on L"u-k Pond Road. Claimant was paid 90. 9 2/32/79 Van Ryswyk vs. Town . Claimant fell neer 3nc%.jF_rnk . Plot di.- nn Tr+ of. 2/19/79 Rogovich vs . Town.. Claimant fell. on ; re . 'Vet li Co,:,r of. 4/11/79 Young vs . Town. Claimantfell on sidewalk . Not disposed ^f4lrrjc 4/18/79, Rushmore vs . Town. Claimant fell on n;_dewalk . n�.aiant was paid Cm _ _ 4/23/79 Siemerling vs. Town . Claimant fell on curb. Not of. , 5/28/79 Hardy vs . Town. Claimant fell on Not lji ^.n5rc! of. 7/3/79 Raynnr vs . - Town. Clci.mant' s motorcycle struck by Pylice !-ar. ;71ai:n n was paid 5115. 93 . 7/A/79 FuHge vs. Town. Claimant dove into =ha.11n,4 >,: ter. Not di ^,posed of. > �Ttstuv a, eF ftogli 7/27/79 Forestieri vs . Town. Claimant fell in parking lot . Not di -:F'O of C'&Ott R/9/79 Rnbh rr Town . CTn-. nt fel l on sidewalk'. Not disrnsed of. ,.0/?/79 Morcombe vs. Town. Collapse of tc rl.iim- nn+ ' car. Not di.snosed of. _x �/ ? 10/1 vs . Tnwn . Clnim-int w-ot through Uttord Tail - nrt ;Jn�.ri embankment- multi pl.e injuries, . Pint r+.i.cposed of,. C. r 10/1.6/79 Brrry vs. Town. C'.1_aim. ant ' a vehicle tnt or' +r!Irk . Not • disposed of. � tJ�/'►_ SOUTHOLD TOWN LOSSES FOR PERIOD 1/l/80- 12/30/80 2/16/80` Jacques vs. Highway Dept. ( Claimant lost control and struck Sand Truck . ) Not paid. 2/19/80 Cahill vs. Highway Dept. (Claimant ' s windshield broken by stone from Sand Truck. ) Claimant was paid $135.49. 2/16/80 Stewart vs. Highway Dept. (Claimant' s windshield broken by stone from Sand Truck. ) Not disposed of. 5/24/80 Murphy vs. Town. ( Claimant fell in parking lot. ) Not dis- posed of. 5/26/80 Ramsland vs. Town (Claimant fell in roadway) Road is not a Town road. Not disposed of. 6/22/80 Holmes vs. Town (Claimant struck stump on Highway. ) Paid $51. 88. 9/27/80 Johnson vs. Town (Claimant involved in MVA--not Town High- way. ) Suing for $2,000100; Not disposed of. 9/29/80 Pester vs. Town ( Claimant involved in Motorcycle accident-- protesting sand on highway. ) Not disposed of. - 29 - P R E M I U M Q U O T A T I O N (To be submitted in duplicate) V. A. Building and Contents Deductible Fire ec and VMM All Risk Annual Cost $ 500 $ 5000 Carrier: Policy Period: Premium Payment Plan: Comments: B. Valuable Papers Deductible $ 500 $ 5000 Carrier: Policy Period: Premium Payment Plan: Comments : C. Comprehensive General Liability a. First dollar coverage: b. (18) Police Professional liability, additional cost: 1. First Dollar Coverage: - 30 - C. Comprehensive General Liability Rating basis: Carrier: Premium Payment Plan: Comments: D. Automobile Insurance Limits - Rate per vehicle: Carrier: Policy Period: Premium Payment Plan: E. Contractors Equipment Floater Deductible Rate per 100 Exposure $ 500 Carrier: Policy Period: Premium Payment Plan: Comments: F. Umbrella Liability First $ 5,000,000: Next $ 520009000: Rating Basis: Carrier: - 31 - F. Umbrella Liability Policy Period: Premium Payment Plan: Comments: G. Yacht Insurance Physical Damage - Deductible $ 500 Premium: Carrier: Policy Period: Comments: H. Public Employee Blanket Bond Premium: Carrier: Policy Period: Comments: - 32 - PREMIUM QUOTATION SUMMARY Total annual cost of all coverages with deductibles in the property coverage. $ 500 Deductible: $ 5,000 Deductible: Name of Agent/Broker Street or P.O. Box City, State, and Zip Name of Person Completing Quotation Signature Title Date: - 33 -