INTRODUCTION

The Program Directors have prepared this manual to serve as a reference for members of the Primary insurance Program. We recommend that it be maintained by the person at your agency who is responsible for insurance matters.

The Primary Insurance Program has been developed by CSRMA to provide comprehensive insurance for sanitation agencies. It has a flexible format with the possibility to add coverages as desired.

General and Auto Liability coverages are the core of PIP. All participants must purchase these coverages through the program, unless they are participating in the Pooled Liability Program as well. A master policy is issued in the name of CSRMA, with each entity receiving endorsements for coverages, which apply to that entity. Each entity received a complete copy of policy forms applicable to their selected coverages.

The Primary Insurance Program master policy is effective on an annual basis from December 31. Agencies may join mid term and renew at the policy anniversary thereafter. The Participation Agreement allows withdrawal from the program by an entity once a full program year has been completed and two months' written notice of intention to withdraw has been submitted to the Program Directors.

CSRMA has created a binder for each of its programs and one additional binder, which contain the Authority's general documents. Together, these binders are a valuable resource to your agency's insurance program. Any questions about the Authority or its programs should be directed to the Program Directors at:

 

CSRMA Program Directors

 c/o Driver Risk Services
500 Washington Street, Suite 300
San Francisco, CA  94111-2993
(415) 371-5400
(415) 597-6267 Fax

 

 

CLAIMS HANDLING PROCEDURES

General Claims Handling Procedures

The carrier must be notified of any claim against a member of the Primary Insurance Program (PIP) or any occurrence , which may lead to a claim. All claims or occurrences should be reported through the Program Directors or directly to Carl Warren & Company. The Program Directors or Ray Aromatorio at Carl Warren & Company will forward the claim to the carrier who will assign an adjuster in your area.

Each member should work cooperatively with representatives of the insurer to efficiently process claims. If a PIP member is not satisfied with the service provided by the adjuster, the Program Director should be notified so that appropriate action may be taken.

The following are important items of information, which should be provided when reporting claims or occurrences:

  1. The date, time, and location of the event causing a loss or claim
  2. The person at the agency to contact regarding the claim
  3. A description of the circumstances of the loss (auto accidents, sewer backup)
  4. Estimated amount of claim or loss
  5. A complete copy of any legal documents

It may be easiest to fax this information to the Program Directors at (415) 597-6762, otherwise, mail information to:

 

CSRMA Program Directors

c/o Mr. Mark McGonigle
Driver Risk Service
500 Washington Street, Suite 300
San Francisco, CA  94111-2933

The first claims reports should be sent to Mark McGonigle, after which a claims adjuster for the insurance company is appointed.

 

Optional Small Property Damage Claims Handling Procedures 

1. OBTAIN A VERIFIED CLAIM FORM

  • Property Damage - Claims must be received within six months or 182 days of occurrence, which ever is longer.  Real Property (buildings and attachments) must be received within one year.

2. VERIFY FACTS - DETERMINE LIABILITY

  • Department Memo, Incident report form, etc.

3. DETERMINE OWNERSHIP AND CONTROL

  • Agency responsible party vs. Contractor or Non-Employee

4. OBTAIN REPAIR RECEIPTS

  • Invoices, Cash Register receipts on proper form or letterhead.  No blank receipt forms without company names, etc.  Verify ownership vs. tenant.  Check and verify amounts.

5. FOR AUTO DAMAGE CLAIMS

  • Always inspect vehicle, take photo, verify ownership, License Number and Vehicle Identification Number.  Obtain at least 2-3 estimates.  Run a tape on the itemized parts.  Only pay the owners of the vehicle, never the driver.

6. ALWAYS RECEIVE A RELEASE

  • Attached is a   generic claims form   for use by your District.  Have release returned before tendering the check.

 

THINGS TO REMEMBER:

1. Never admit liability.
2. Never commit to pay without authority from Agency official.
3. Never "authorize" rental cars without a time limit.
4. Never be pressured to pay "quickly."
5. Never tell anyone to "get it fixed and send us the bill."

 

 

CORE COVERAGES

I. Primary General Liability

 A. LIMITS: $5,000,000 per occurrence/$6,000,000 general aggregate

 B. BROAD FORM COMMERCIAL GENERAL LIABILITY

 C. DEDUCTIBLE OPTIONS:

  1. $1,000 Property Damage (minimum)
  2. $2,500 Property Damage
  3. Bodily Injury & Property Damage

 

II. Primary Automobile Liability 

  1. LIMITS: $5,000,000 Combined Single Limit for Owned, Hired and Non-Owned Autos.
  2. DEDUCTIBLES:  Same as chosen for General Liability
  3. UNINSURED MOTORIST COVERAGE included

 

OPTIONAL COVERAGES

III. Auto Physical Damage Coverage

  1. COMPREHENSIVE - Available for private passenger and light trucks.
    1. DEDUCTIBLES: $500 or $1,000
  2. SPECIFIED PERILS
    1. DEDUCTIBLES: $1,000 or $5,000
  3. COLLISION
    1. DEDUCTIBLES: $500 or $1,000
       
  4. Coverage written on an Actual Cash Value basis.
     
  5. Replacement Cost coverage available for high value vehicles.

 

IV. Excess Liability 

  1. Limits available:
     
    1. $5,000,000 excess $5,000,000 per occurrence/annual aggregate
    2. $10,000,000 excess of $5,000,000 per occurrence/annual aggregate
       
  2. Written on following form basis
     
  3. Uninsured Motorists coverage excluded

V. Errors & Omissions Liability Including E.P.L. 

  1. LIMITS:  $1,000,000 or $5,000,000
  2. DEDUCTIBLE:  $2,500*
  3. Written on an occurrence basis

*New members Minimum - $25,000

 

 

Copy of Policy Document

If you would like to obtain a copy of the policy document,
please contact the Program Directors.

 

 

PIP PARTICIPATION AGREEMENT

 

 

 

 

Section I - INTRODUCTION

Section II - CLAIMS HANDLING PROCEDURES

     General Claims Handling Procedures
     Optional Small Property Damage Claims Handling Procedure 
 

Section III - OUTLINE OF COVERAGES

Section IV - COPY OF POLICY DOCUMENT

Section V - PIP PARTICIPATION AGREEMENT
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