Central San Joaquin Valley Risk Management Authority

Transcription

CENTRAL SAN JOAQUIN VALLEY
RISK MANAGEMENT AUTHORITY
1750 Creekside Oaks Drive, Suite 200  Sacramento, CA 95833
(916) 244-1100  (800) 541-4591
Fax (916) 244-1199  E-Mail jworkman@bickmore.net
Northern
Region
Angels Camp
Atwater
Ceres
Escalon
Gustine
Hughson
Lathrop
Livingston
Newman
Oakdale
Patterson
Ripon
Riverbank
Sonora
Sutter Creek
Tracy
Turlock
Waterford
Central Region
Chowchilla
Clovis
Dinuba
Dos Palos
Firebaugh
Fowler
Huron
Kerman
Kingsburg
Los Banos
Madera
Mendota
Merced
Orange Cove
Parlier
Reedley
San Joaquin
Sanger
Selma
Southern
Region
Arvin
Avenal
Corcoran
Delano
Exeter
Farmersville
Lemoore
Lindsay
Maricopa
McFarland
Porterville
Shafter
Taft
Tehachapi
Tulare
Wasco
Woodlake
EXECUTIVE COMMITTEE
AMENDED AGENDA
Spike N Rail Steakhouse
2910 Pea Soup Anderson Blvd.
Selma, California
(559) 891-2410
Thursday, June 26, 2014, 2:00 p.m.
In compliance with the Americans with Disabilities Act, if you are a disabled person and you need a
disability-related modification or accommodation to participate in this meeting, please contact
Yahaira Martinez at (800) 541-4591, ext. 4619 or (916) 244-1199 (fax). Requests must be made as
early as possible and at least one full business day before the start of the meeting.
Documents and material relating to an open session agenda item that are provided to the CSJVRMA
Executive Committee less than 72 hours prior to a regular meeting will be available for public
inspection and copying at: 1750 Creekside Oaks Drive, Suite 200, Sacramento, CA 95833. The
documents are also available on CSJVRMA’s website, www.csjvrma.org.
1. CALL TO ORDER
2. INTRODUCTIONS
3. APPROVAL OF AGENDA AS POSTED (OR AMENDED)
A
4. PUBLIC COMMENTS – This time is reserved for members of the public to address the
Committee relative to matters of the Central San Joaquin Valley Risk Management
Authority not on the agenda. No action may be taken on non-agenda items unless
authorized by law. Comments will be limited to five minutes per person and twenty
minutes in total.
5. CONSENT CALENDAR – If the Executive Committee would like to discuss any item A
listed, it may be pulled from the Consent Calendar.
Pg 6 *A.
Minutes of the May 22, 2014, Executive Committee Meeting
Pg 15 *B.
Warrants for April 19, 2014~May 21, 2014
Pg 16 *C.
Petty Cash Register for May 16, 2014~June 18, 2014
Pg 17 *D.
Financial Statements as of March 31, 2014
Pg 24 *E.
Pooled Workers' Compensation Program Memorandum of Coverage for
Program Year 2014/15
Pg 35 *F.
Pooled Property Program Memorandum of Coverage for Program Year 2014/15
* = Agenda Item Enclosed
A = Action Item
I = Information Item
1
CSJVRMA Executive Committee Amended Agenda
Meeting of June 26, 2014
Page 2
Pg 42 *G.
Pg 50 *H.
Pg 59 *I.
Pg 69 *J.
Pg 70 *K.
Pg 75 *L.
Auto Physical Damage Program Memorandum of Coverage for Program Year
2014/15
Low Value Vehicle Coverage Program Memorandum of Coverage for Program Year
2014/15
Managed Health Network (MHN) Employee Assistance Program (EAP) Utilization
Report for the Period of December 2013 ~ March 2014
2014/15 Crime Shield Renewal
PEPIP Property Loss Runs – Valued as of March 31, 2014
Chandler Bond Market Review – June 2014
Recommendation: Staff recommends approval of the Consent Calendar.
6. REPORTS/PRESENTATIONS
Pg 79 *A.
The following reports/presentations will be given by Tom Kline, Risk Control:
1. 2013/14 Update on Safety and Risk Control Services
I
2. 2014/15 Strategic Safety and Risk Control Plan
A
Recommendation: Staff recommends approval of the 2014/15 Strategic Safety
and Risk Control Plan.
7. WORKERS’ COMPENSATION PROGRAM
*A.
Reports by Staff and Service Providers:
Pg 89
*1. Report by Claims Administrator (AIMS)
Pg 91
*2. Report by Tammy Vitali, Workers’ Compensation Program Manager
Pg 94 *B.
Discussion and Possible Action Regarding Increasing the Aggregate Pool
Attachment Point
Recommendation: Staff recommends the Executive Committee approve
changing the Aggregate Pool attachment point to 2 times each member’s
deposit premium effective July 1, 2014.
Pg 97 *C.
Update Regarding CSAC-EIA Requiring CSJVRMA to Obtain Approval for Each
Established Carve Out Program
Pg 99 *D.
Review and Approval of Professional Services Agreement for Carve Out Programs
Recommendation: Staff recommends the Executive Committee approve the
CSJVRMA Professional Services Agreement and authorize Lynn Cavalcanti
from AIMS to sign the agreements on behalf of the CSJVRMA.
8. LIABILITY PROGRAM
*A.
Reports by Staff and Service Providers:
Pg 100
*1. Report by Claims Administrator (AIMS)
Pg 102
*2. Report on Coverage Denials by Luther Lewis, Legal Counsel
3. Oral Report by Melissa McDonald, Litigation Manager
Pg 103 *B.
Renewal of Endorsements to the Pooled Liability Program Memorandum of
Coverage for the Administration of Medications in Custodial Care Programs for the
Cities of Kingsburg, Madera, and Turlock
endorsement to the 2014/15 Pooled Liability Program Memorandum of
Coverage for the administration of medications in custodial care programs for
the cities of Kingsburg, Madera, and Turlock.
I
I
A
I
A
I
I
I
A
A = Action Item I = Information Item
2
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Pg 105 *C.
Pooled Liability Program Memorandum of Coverage for Program Year 2014/15
A
Recommendation: The Memorandum of Coverage Subcommittee recommends
approval of the Pooled Liability Memorandum of Coverage for Program Year
2014/15 as amended.
Discussion and Possible Action Regarding Increasing the Aggregate Pool A
Attachment Point
Recommendation: Staff recommends the Executive Committee approve
increasing the Pooled Liability Program Aggregate Pool attachment point to 2
times a member’s deposit premium effective July 1, 2014
Pg 136 *D.
9. PROPERTY PROGRAM
Pg 138 *A.
PEPIP Renewal for 2014/15
Recommendation: Staff recommends approval of the PEPIP renewal for the
2014/15 program year at a $10,000 deductible for auto physical damage
coverage
Pg 140 *B.
TRIA Terrorism Coverage
Recommendation: Staff recommends the Executive Committee decline TRIA
coverage.
10. FINANCIAL MATTERS
Pg 143 *A.
Report by Marty Cassell, Chandler Asset Management, Regarding Investments
Pg 152 *B.
Proposed Amendments to the Budget for Fiscal Year 2014/15
Recommendation: The Executive Committee recommend approval of the
2014/15 budget to the Board of Directors as amended.
I
A
I
A
11. ADMINISTRATIVE MATTERS
Pg 168 *A.
Appointment of Treasurer
A
continued appointment of Paul Melikian as the CSJVRMA Treasurer.
Pg 169 *B.
Report from the Administration and Financial Subcommittee Meeting Regarding I
Bickmore Acquisition
12. CLOSED SESSION – The Executive Committee will recess to closed session pursuant
to Government Code Section 54956.95(a) to discuss the following claims:


Forte v. Los Banos
Thao, et al v. Merced
13. REPORT FROM CLOSED SESSION – The Executive Committee will reconvene into
open session pursuant to Government Code Section 54956.9, and report on any action taken,
or lack thereof, with regard to the claims discussed under Agenda Item 9, Closed Session.
14. CLOSING COMMENTS
This time is reserved for comments by Executive Committee members and/or staff and to
identify matters for future Executive Committee business.
A.
Executive Committee
B.
Staff
15. ADJOURNMENT
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NOTICES:

The next two regular meetings of the Executive Committee are scheduled for Thursday,
August 28, 2014, at 10:00 a.m., and Thursday, October 23, 2014, at 2:00 p.m., at the Spike N Rail
Steakhouse in Selma, CA.

The next regular meeting of the Board of Directors is scheduled
June 28, 2014, at 9:30 a.m., at the Spike N Rail Steakhouse in Selma, CA.

The next scheduled regional meetings will be held as follows:
Northern, Central, and Southern Regions: June 27, 2014, 9:00-9:30 a.m., in Selma, CA.
for
Friday,
4
CSJVRMA
EXECUTIVE COMMITTEE MEETING
June 26, 2014
CONSENT CALENDAR
SUBJECT:
Consent Calendar
BACKGROUND AND STATUS:
The Consent Calendar consists of items that require approval or acceptance but are selfexplanatory and require no discussion. If the Executive Committee would like to discuss any
item listed, it may be pulled from the Consent Calendar.
RECOMMENDATION:
Staff recommends approval of the Consent Calendar.
REFERENCE MATERIALS ATTACHED:
A.
B.
C.
D.
E.
F.
G.
H.
I.
J.
K.
L.
Minutes of the May 22, 2014, Executive Committee Meeting
Warrants for April 19, 2014~May 21, 2014
Petty Cash Register for May 16, 2014~June 18, 2014
Financial Statements as of March 31, 2014
Pooled Workers’ Compensation Program Memorandum of Coverage for Program Year
2014/15
Pooled Property Program Memorandum of Coverage for Program Year 2014/15
Auto Physical Damage Program Memorandum of Coverage for Program Year 2014/15
Low Value Vehicle Coverage Program Memorandum of Coverage for Program Year
2014/15
Managed Health Network (MHN) Employee Assistance Program (EAP) Utilization Report
for the Period of December 2013~March 2014
2014/15 Crime Shield Renewal
PEPIP Property Loss Runs – Valued as of March 31, 2014
Chandler Bond Market Review – June 2014
Agenda Item 5.A.-L.
5
CENTRAL SAN JOAQUIN VALLEY RISK MANAGEMENT AUTHORITY
MINUTES OF THE EXECUTIVE COMMITTEE
MEETING OF MAY 22, 2014
A meeting of the Executive Committee of the Central San Joaquin Valley Risk Management
Authority (CSJVRMA) was held on May 22, 2014, at the Spike N Rail Steakhouse, Selma,
California.
COMMITTEE MEMBERS PRESENT:
Mike Barrows, President, Sonora
Tim Przybyla, First Vice President, Madera
Margee Fallert, Second Vice President, Tulare
Felix Ortiz, Past President, Exeter
Robert Ford, Clovis
David Elias, Fowler
Wendy Silva, Madera
Bryan Whitemyer, Oakdale (Arrived during item 6.A.2)
Patrice Hildreth, Porterville
Kevin Werner, Ripon (Arrived during item 6.C)
Jim Zervis, Shafter
Hannah Chung, Tehachapi
COMMITTEE MEMBERS ABSENT:
Phaedra Norton, Turlock
ALTERNATE MEMBERS PRESENT:
Lonn Boyer, Taft (Arrived during item 8.A.)
ALTERNATE MEMBERS ABSENT:
Lori Shively, Clovis
Rod Butler, Patterson
OTHERS PRESENT:
Jeanette Workman, Administrator
Yahaira Martinez, Board Secretary
Paul Melikian, Treasurer, Reedley (Arrived during item
6.A.3)
Melissa McDonald, Litigation Manager
Luther Lewis, Legal Counsel
Ken Wilkerson, AIMS
Janine Bowman, AIMS
Lynn Cavalcanti, AIMS
Terry Cazzell, AIMS
Deneen Proctor, Merced
1.
CALL TO ORDER
President Mike Barrows called the meeting to order at 10:07 a.m.
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CSJVRMA Executive Committee Minutes
Meeting of May 22, 2014
Page 2 of 9
2.
INTRODUCTIONS
Introductions of those present took place.
3.
APPROVAL OF AGENDA AS POSTED (OR AMENDED)
Tim Przybyla moved to approve the agenda as posted; seconded by Robert Ford. The
motion passed unanimously by Mike Barrows, Tim Przybyla, Margee Fallert,
Felix Ortiz, Robert Ford, Dave Elias, Wendy Silva, Patrice Hildreth, Jim Zervis, and
Hannah Chung.
4.
PUBLIC COMMENTS
None.
5.
CONSENT CALENDAR
Tim Przybyla moved to approve/accept the following items: A) Minutes of the
March 27, 2014, Executive Committee Meeting; B) Petty Cash Check Register for
March 20, 2014 – May 15, 2014; C) Warrants for March 26, 2014 – April 18, 2014;
D) Treasurer’s Report as of March 31, 2014; E) Chandler Bond Market Review –
May 2014; F) CARMA’s 2013 Liability Claims Audit; G) AIMS Response to
CARMA’s 2013 Liability Claims Audit; H) Nominating Subcommittee Report;
I) Executive Committee Attendance Record for the Past 12 Months; J) Executive
Committee Eligibility by Region; and K) List of Subcommittees; Seconded by
Hannah Chung. The motion passed unanimously by Mike Barrows, Tim Przybyla,
Margee Fallert, Felix Ortiz, Robert Ford, Dave Elias, Wendy Silva, Patrice Hildreth,
Jim Zervis, and Hannah Chung.
6.
LIABILITY PROGRAM
A.
Reports by Staff and Service Providers
1.
Report on Coverage Denials
Mr. Luther Lewis, Legal Counsel, prepared a written report on the coverage denials
for the month of April 2014 which was included in the agenda. The report included
one coverage denial, the California River Watch versus City of Livingston, which
Mr. Lewis reviewed with the Committee.
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2.
Report by Claims Administrator (AIMS)
Prior to the meeting, the Committee received written reports on claims activity as of
March 1, 2014, and April 1, 2014. Mr. Ken Wilkerson, Acclamation Insurance
Management Services (AIMS), reported that in the month of March there were a
total of 45 claims filed and for the month of April there were 52, which included 8
trip and falls in addition to sewer backups and auto accidents claims.
Mr. Wilkerson also informed the Committee of claims involving fatalities.
2.
Oral Report by Litigation Manager
Ms. Melissa McDonald, Litigation Manger, reported to the Committee that the newly
adopted Litigation Management Guidelines have been sent out to the panel of
defense counsel with a summary of all the changes and reporting requirements.
Staff is working with AIMS to develop coding to better track compliance.
Ms. McDonald reported on a claim wherein equipment hovering out of a SWAT
truck struck someone. Documents are being reviewed to find out who is responsible
for the arrangement of the equipment to determine whether there is third party
liability.
Furthermore, Ms. McDonald reported that there was a claim in one of the
CSJVRMA cities that involved kids nearly drowning at a birthday party in the City’s
swimming pool. Parents/guardians are required to sign a contract with an indemnity
clause when utilizing the pool for parties versus the general swim and in this case the
waivers were properly signed. Ms. McDonald recommended to the City that they
require anyone wishing to use the pool to sign a waiver. Ms. Workman indicated that
a template waiver will be sent to all member cities that they can modify for their use.
B.
Report on California Affiliated Risk Management Authorities (CARMA)
Ms. Jeanette Workman, Administrator, reported that the CSJVRMA is a member of the
California Affiliated Risk Management Authorities (CARMA), a joint powers authority
providing excess liability coverage.
The CSJVRMA representative serving on CARMA’s Board of Directors is
Mr. Tim Przybyla, City of Madera, who also serves as CARMA’s President. The alternate
representative is Ms. Patrice Hildreth, City of Porterville.
CARMA held their Board of Directors’ meeting on April 16, 2014. CARMA’s E-brief,
which provides highlights from the meeting, was provided to the Committee prior to the
meeting. Ms. Workman reviewed the following highlights:
 The liability claims audit was conducted by Mr. Tim Farley which included an audit
of their members. The CSJVRMA’s audit was approved at the current meeting in
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the consent calendar. Also included in the consent calendar was the response from
Mr. Wilkerson.
 CARMA approved their proposed 2014/15 budget at a 75% confidence level, using a
2% discount factor.
 CARMA extended their investments from 1-3 year Treasury Index to 0-5 years.
C.
Report on Employment Risk Management Authority (ERMA)
Ms. Workman reported that the CSJVRMA is a member of the Employment Risk
Management Authority (ERMA). ERMA provides employment practices liability coverage
to its members.
Mr. Dave Elias, City of Fowler, currently serves as the CSJVRMA’s representative on the
ERMA Board. The alternate representative is Mr. Greg Greeson, City of Gustine.
The Committee was provided with the ERMA Loss Run Report as of March 31, 2014, prior
to the meeting.
ERMA held their Board of Directors’ meeting on April 21, 2014. A report summarizing the
action items from the meeting was provided to the Committee prior to the meeting.
Ms. Workman reported the following highlights to the Committee:
 The City of Citrus Heights’ request to rescind their notice of Intent to Withdraw was
approved by the Board.
 The Board approved their Operating Budget at the 80% confidence level and a 2%
discount rate.
 The Board approved a dividend release in the amount of $5,790,555 and to officially
close the 2004/05 and 2005/06 program years.
 Changes were made to their Memorandum of Coverage for the 2014/15 year which
Ms. Workman later discussed.
1.
Report on Coverage for Community Correctional Facilities (CCF) Through
ERMA
Ms. Workman reported that with the re-establishment of the Community
Correctional Facilities (CCF) at the cities of Delano, Shafter, and Taft, the question
arose regarding coverage under ERMA and whether the cities would need to report
the inmate payroll to ERMA since the inmates have been designated as employees
for the purposes of workers’ compensation coverage through the CSJVRMA;
therefore, they could potentially file employment practices liability claims.
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ERMA’s Litigation Manager and Legal Counsel determined there are no laws which
would prohibit an inmate from filing an employment practices liability claim. Due to
the potential exposure to ERMA and based on the recommendation from the ERMA
Litigation Manager and Legal Counsel, the ERMA Board approved an amendment to
the ERMA Memorandum of Coverage for the 2014/15 program year to exclude any
claims for injury or damages brought by any incarcerated person who is voluntarily
or involuntarily performing labor or services.
7.
WORKERS' COMPENSATION PROGRAM
A.
Reports by Staff and Service Providers
1.
Mr. Terry Cazzell, AIMS, reported that for the months of March and April 2014,
there were six more claims than in previous years. There was a significant increase
of indemnity claims. 9 out of 15 claims were medical only. The bill review savings
have been significant for the past two months, with net savings of 81% for March
and 78% for April. By comparison, previous savings have been between 65-68%.
Mr. Cazzell further reported that the closure rate to date is 116%, which indicates
more claims are being closed than are being filed. Nonetheless, Mr. Cazzell stated
there are still opportunities for more closures.
Additionally, Mr. Cazzell reported that he is focusing on conducting supervisor
reviews on claims to examine the quality of the action plans and the reserves to
ensure they are appropriate and timely. His goal is to review six claims every day. In
the last 60 days, over 190 supervisor reviews have been conducted.
Ms. Lynn Cavalcanti, AIMS, reported that she has been working with the cities of
Kingsburg and Porterville to settle their future medical claims by compromise and
release. Additionally, Ms. Cavalcanti reported that a letter was sent to member cities
stating that AIMS, in conjunction with Bickmore, would be taking a more proactive
approach to claims settling and closing by reviewing more closely the negotiations
made and handling of claims.
B.
Discussion Regarding Establishing Carve Outs
Ms. Workman reported that at previous meetings, Ms. Cavalcanti, presented information to
the Executive Committee regarding carve outs, a labor-management agreement which is
negotiated separate and apart from any collective bargaining agreement covering affected
employees. At the time this was presented, Ms. Cavalcanti offered to work with one of the
CSJVRMA cities in negotiating that city’s carve out with their unions in order for other
CSJVRMA member cities to benefit from what would be learned through the initial
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negotiations, and to get the initial documents in place that other CSJVRMA members could
utilize.
The City of Madera volunteered to be the pilot city and has been working with AIMS. They
are making progress in negotiating a carve out with their unions and have established a
timeline for completing all aspects of the carve out.
There are several contracts that have to be put into place, including contracts for mediators,
an ombudsman, and medical providers; thus, AIMS is recommending these contracts be
reviewed and approved by the CSJVRMA, so that all cities wishing to enter into a carve out
can utilize the same contracts. Staff confirmed with Mr. Lewis that this could be done. Each
city would still negotiate a separate agreement with their unions, but would utilize the
ombudsmen, mediators, and medical provider contracts approved by the CSJVRMA.
Ms. Cavalcanti is currently working on developing these contracts and will bring them back
to the CSJVRMA for approval upon completion.
It was requested that the Executive Committee provide authority to Ms. Cavalcanti to sign
the medical provider agreements on behalf of the CSJVRMA as different cities will have
different medical providers in their area, and it would expedite the process versus having to
coordinate with staff or the Committee for signatures every time. Ms. Cavalcanti clarified
that the agreements being made with medical providers are establishing expedited timelines
to ensure they will be held accountable for agreeing to and meeting the deadlines. For
example, they would be agreeing to expedite the scheduling of appointments for the injured
workers and expediting reports to staff. In exchange, they will be compensated above fee
schedule for doing so. Ms. Cavalcanti further reported that the same agreements may also be
established with mediators and ombudsmen.
Ms. Workman further reported that she contacted CSAC-EIA, the excess layer above
Local Agency Workers’ Compensation Excess (LAWCX), to request sample contracts and,
in doing so, they stated that members must get approval for each carve out through
CSAC-EIA. However, Ms. Workman requested to have this requirement waived as it is not
logical for the CSJVRMA to ask for approval through them as LAWCX does not attach to
CSAC-EIA until a claim has reached the $5 million layer. In addition, each carve out has to
be approved by the State, so it is unclear why CSAC-EIA requires to approve them as well.
Staff will report back to the Committee at the next meeting concerning CSAC-EIA’s
response to the request to their requirement to review each carve out.
Ms. Wendy Silva, City of Madera, reported that the City of Madera will not be utilizing an
ombudsman; instead, Madera is creating a joint labor management team to handle the
process. Therefore, the ombudsman contract will not be necessary at this point in time.
The question was raised as to the estimated savings realized by implementing a carve out
program. Ms. Cavalcanti indicated there are no statistics available as to the dollar savings.
The process expedites the employee’s return to work, which is where the savings occur.
Under a carve out, the employee sees the doctor sooner than the traditional process, and the
cities will have a report within 30 days and can move towards resolution much faster.
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C.
Report on Local Agency Workers’ Compensation Excess JPA (LAWCX)
Ms. Workman reported that the CSJVRMA is a member of the LAWCX, a joint powers
authority providing excess workers’ compensation coverage.
The CSJVRMA representative on LAWCX’s Board of Directors is Ms. Silva. The alternate
is Ms. Margee Fallert, City of Tulare.
Prior to the meeting, the Committee was provided with the LAWCX Summary of Action
Items from the April 29, 2014, Executive Committee meeting. Ms. Workman reported the
following highlights:
 The format of LAWCX’s Risk Control plan is being reviewed. Any changes that
occur will be reported to the Committee at a future meeting.
 Part of LAWCX’s current Risk Control Plan is to reimburse members up to $1,000
for risk control services relating to workers’ compensation. CSJVRMA has
requested and received their $1,000 reimbursement for the 2013/14 fiscal year.
 LAWCX’s Executive Committee will be seeking input from the LAWCX Board at
their June meeting as to the interest in LAWCX developing a job analysis library.
 The discount factor for premiums was discussed and LAWCX’s Executive
Committee is recommending a 3% discount rate to the LAWCX Board.
 There were changes made to LAWCX’s Memorandum of Coverage, which will be
reviewed at the next Board meeting by Ms. Tammy Vitali, Workers’ Compensation
Program Manager.
8.
ADMINISTRATIVE MATTERS
A.
Bickmore Acquisition
Prior to the meeting, the Executive Committee received a letter from Bickmore that was
previously distributed to the Board regarding the acquisition of Bickmore by York Services
Group Inc. (York). Ms. Workman informed the Committee this was placed on the agenda to
report the information to them in person and address any questions they may have.
Ms. Workman reported that Bickmore was not actively seeking to sell the company but had
agreed that if a partner came along that was good partner and a good cultural fit, they would
consider an offer. Bickmore will continue to operate under the Bickmore name. The current
CSJVRMA staff will not change outside the ordinary course of business, and the current
account strategies, fees, and systems will remain in place. The acquisition provides an
infrastructure that will allow Bickmore to enhance services.
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While York is known in California as a third party claims administration firm, it is not
York’s intention to interfere with any current third party claims administration relations with
any self-insurance group administered by Bickmore. Rather, York’s intent in purchasing
Bickmore is to expand its pooling division to create national presence in the pooling
industry.
A discussion ensued concerning the existing contract the CSJVRMA has with Bickmore.
There is no clause in the contract concerning an acquisition. The Committee questioned
whether they would still be bound by the contract should York lose sight of the
CSJVRMA’s goals and objectives. In response to questions that arose during the discussion,
Ms. Workman reported that the minimal changes to be seen will be internally with Bickmore
staff regarding such items as benefit changes, etc., not the clients.
President Mike Barrows reported to the Committee that he had a conversation with the
President of York and was informed that they chose to acquire Bickmore because they
wanted to expand and Bickmore is branded in California; but made clear that York does not
want to change that. It was noted that it was beneficial for Bickmore to sell because of the
additional services York could provide such as Human Resources and IT, in addition to the
buying power that Bickmore would acquire as a result. Mr. Barrows also reported that after
speaking with the President of York, he realized the CSJVRMA would not have as many
conflicts as he thought there may be prior to having that conversation.
The Committee directed the Administration and Financial Services Subcommittee to meet to
further discuss the acquisition, review the CSJVRMA contract with Bickmore, and make a
report back to the Executive Committee and Board at the June meetings.
B.
Calendar of Meetings for the 2014/15 Program Year
Prior to the meeting, the Committee received the proposed calendar of meetings for the
2014/15 program year to ensure the dates do not conflict with their schedules. Ms. Workman
noted that before the Committee approves the dates as presented in the calendar, to keep in
mind the following:


The Martin Luther King, Jr. holiday falls on Monday, January 19, 2015, which is in
the same week as the Executive Committee meeting proposed for Thursday,
January 22nd.
The Memorial Day holiday falls on Monday, May 25, 2015, which is in the same
week as the Executive Committee meeting proposed for Thursday, May 28th.
Staff recommended approval of the calendar of meetings for the 2014/15 program year.
Jim Zervis moved to approve the calendar of meetings for the 2014/15 program year;
seconded by Dave Elias. Motion passed unanimously by Mike Barrows, Tim Przybyla,
Margee Fallert, Felix Ortiz, Robert Ford, Dave Elias, Wendy Silva, Patrice Hildreth,
Jim Zervis, Hannah Chung, Bryan Whitemyer, and Kevin Werner.
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C.
Location for 2015 Annual Retreat
Ms. Workman reported that staff discussed the Annual Retreat location with incoming
President, Mr. Przybyla, who directed staff to research various locations. Based on the
information gathered, Mr. Przybyla recommended the Sanctuary Beach Resort for the
February 2015 Annual Retreat as it is the most economical. The reason why the retreat plans
are being discussed so far in advance is because Sanctuary Beach Resort has increased their
rates, but offered the CSJVRMA the same rates as the previous year if a contract is signed
early.
Ms. Workman stated that Mr. Przybyla directed staff to also research options for holding
dinner off-site for one of the nights of the Annual Retreat and to look into the cost of the
Monterey Bay Aquarium. Staff presented information to the Committee concerning the
range of costs for dinner off-site at various locations and the cost of the Aquarium.
The Committee agreed it would be more prudent to hold all Retreat meals and activities at
Sanctuary Beach Resort.
Mr. Dave Elias moved to maintain all meals and activities of the February 2015 Annual
Retreat at the Sanctuary Beach Resort; seconded by Felix Ortiz. The motion passed by
majority vote by Mike Barrows, Margee Fallert, Felix Ortiz, Robert Ford, Dave Elias,
Wendy Silva, Patrice Hildreth, Jim Zervis, Hannah Chung, Bryan Whitemyer, and
Kevin Werner. Tim Przybyla voted no.
9.
CLOSING COMMENTS
A. Executive Committee
Mr. Przybyla presented President Barrows with a plaque to recognize him for his years of
leadership and service to the CSJVRMA.
B. Staff
Ms. Workman presented President Barrows with a framed photo which was taken by
Mr. Barrows at the Rim Fire in the central Sierra Nevada region, a fire he helped fight
during his service as Fire Chief.
10.
ADJOURNMENT
The May 22, 2014, CSJVRMA Executive Committee meeting adjourned at 11:13 a.m. by
general consent.
Yahaira Martinez, Board Secretary
14
15
System:
6/19/2014
User Date: 6/19/2014
*
*
*
*
Ranges:
Check Number
Vendor ID
Vendor Name
1:16:56 PM
From:
First
First
First
Central San Joaquin Valley Ris
VENDOR CHECK REGISTER REPORT
Payables Management
To:
Last
Last
Last
From:
Check Date
5/16/2014
Checkbook ID PETTY CASH
Page:
1
User ID: cxiong
To:
6/18/2014
PETTY CASH
Sorted By: Check Number
* Voided Checks
Check Number
Vendor ID
Vendor Check Name
Check Date Checkbook ID
Audit Trail Code
Amount
--------------------------------------------------------------------------------------------------------------------------------5273
CB010
Bankcard Center
5/20/2014 PETTY CASH
PMCHK00000400
$725.23
5274
CC120
City of Clovis
PMCHK00000403
$540.00
5275
CT050
City of Tehachapi
PMCHK00000403
$9,571.88
5276
CT215
City of Turlock
PMCHK00000403
$123.52
5277
CC120
City of Clovis
PMCHK00000404
$31,859.56
5278
CL150
City of Los Banos
PMCHK00000404
$500.00
5279
CC120
City of Clovis
PMCHK00000404
$31,859.56
5280
CL150
City of Los Banos
PMCHK00000404
$500.00
5281
CC050
City of Ceres
PMCHK00000405
$148.88
5282
CS050
City of Selma
PMCHK00000405
$202.07
5283
CC050
City of Ceres
PMCHK00000405
$148.88
5284
CS050
City of Selma
PMCHK00000405
$202.07
-------------------Total Checks:
12
Total Amount of Checks:
$43,671.14
====================
16
Central San Joaquin Valley RMA
Combined Balance Sheet
March 31, 2014
(Unaudited)
Assets:
Operating Cash Accounts
Local Agency Investment Fund
Investment Portfolio
Market Value Adj. on LAIF/Investments
Interest Receivable
Accounts Receivable
Prepaid Expenses
Cash Due (To)/From Other Funds
Total Assets
Liabilities:
Accounts Payable
Assessment Payable
Deferred Revenue
Member Investments
Pay-as-you-go Claims Liability
Reserve for Known Claims
Reserve for IBNR and ULAE
Projected Retrospective Refunds
Total Liabilities
Net Assets- Contingency
Total Liabilities & Net Assets
6/20/2014
$
General
Fund
2,456,218
3,991,944
96,197,636
622,031
438,450
1,557,601
1,851,168
(59,402,466)
47,712,581
Workcomp
Funds
Liability
Funds
7,107,637
-
37,762,633
17,430,513
1,287,799
1,182,358
1,138,807
600,357
Combined
Total
2,456,218
3,991,944
96,197,636
622,031
438,450
8,665,238
1,851,168
(0)
44,870,270
17,430,513
1,287,799
1,182,358
1,138,807
600,357
114,222,684
273,165
APD
Fund
LVV
Fund
Property
Fund
E&O
Fund
-
273,165
245,480
3,238,503
44,907,857
3,380,074
33,473,227
24,100,195
(10,618,672)
245,480
3,238,503
44,907,857
48,419,525
(706,942)
47,712,581
3,380,074
28,433,631
18,138,587
(13,065,537)
5,016,400
5,961,608
2,446,865
3,792
-
19,403
37,132,234
13,424,874
3,792
-
19,403
-
98,999,829
7,738,035
4,005,639
1,284,008
1,182,358
1,119,402
600,357
15,222,855
44,870,270
17,430,513
1,287,799
1,182,358
1,138,807
600,357
114,222,684
1
RMA 3 31 14 FS.xls
17
Combined Statement of Revenues, Expenses, and Changes in Net Assets
For the Nine Months Ended March 31, 2014
(Unaudited)
Revenues:
Member Deposits
Interest Earned
Premiums Collected ~ Crime Shield
Premiums Collected ~ EAP
Premiums Collected ~ DIC
Premiums Collected ~ BTA
Premiums Collected ~ ERMA
$
Total Revenues
Expenses:
Claims Paid
Claims Servicing
Change in Provisions for Unpaid Claims
Incr./(Decr.) in Prov. for Retro. Refunds
Excess Insurance
DWC User Fees
Premiums Paid ~ Crime Shield
Premiums Paid ~ EAP
Premiums Paid ~ DIC
Premiums Paid ~ BTA
Premiums Paid ~ ERMA
Indirect Expenses (See Attached)
Total Expenses
Increase/(Decrease) in Net Assets
6/20/2014
$
General
Fund
628,082
0
36,019
77,876
158,633
5,565
1,016,912
Workcomp
Funds
12,161,308
350,115
Liability
Funds
6,703,806
181,473
APD
Fund
168,829
13,126
LVV
Fund
13,820
12,469
Property
Fund
1,498,068
11,690
E&O
Fund
15,000
6,490
Combined
Total
21,188,912
575,363
36,019
77,876
158,633
5,565
1,016,912
1,923,087
12,511,423
6,885,279
181,954
26,289
1,509,758
21,490
23,059,280
7,501,264
771,053
1,883,291
1,049,859
965,392
340,565
5,491,140
733,350
(2,693,289)
1,739,127
1,587,813
80,648
21,340
93,530
(37,424)
(20,965)
(77,793)
35,054
90,950
151,078
5,301
967,883
1,485,940
-
-
-
-
-
-
13,187,922
1,504,402
(946,181)
2,788,987
4,109,930
340,565
35,054
90,950
151,078
5,301
967,883
1,485,940
2,736,207
12,511,423
6,858,141
174,667
375
1,441,018
-
23,721,831
-
27,138
7,288
25,914
68,739
21,490
(662,551)
(813,120)
2
131,443
1,425,282
RMA 3 31 14 FS.xls
18
Program Financial Statements
(Unaudited)
Workers' Compensation Program
March 31, 2014
Balance Sheet
Cash Held In General Fund
Accounts Receivable
Assessment Receivable
Total Assets
Assessment Payable
Reserve for Claims
Reserve for I.B.N.R./ULAE
Projected Retro. Refund/(Chg)
Total Liabilities
Net Assets - Contingency
Contingency
(2,445,863)
Pay-As
You-Go
1985/86
through
2000/01
Prepool
2002/03
2003/04
2004/05
2005/06
2006/07
2007/08
2008/09
2009/10
2010/11
2011/12
2012/13
Combined
Total
2013/14
225,753
3,380,074
0
48,823
3,741,318
1,093,136
970,950
597,636
1,295,624
3,044,031
2,317,664
3,384,508
1,067,147
3,823,157
4,193,237
6,372,675
8,032,837
3,727,563
37,762,633
3,380,074
3,727,563
1,281,700
3,605,827
48,823
3,741,318
1,093,136
970,950
597,636
1,295,624
3,044,031
2,317,664
3,384,508
1,067,147
3,823,157
4,193,237
6,372,675
8,032,837
44,870,270
0
0
0
0
0
0
3,380,074
0
0
0
0
0
35,650
0
13,172
245,480
0
2,276,022
583,420
215,290
0
0
912,146
172,642
(182,840)
0
0
578,062
86,829
113,712
0
0
302,212
664,783
(489,532)
0
0
1,149,449
150,064
(163,183)
0
0
2,319,058
303,778
13,912
0
0
1,996,233
206,282
(194,413)
0
0
1,901,125
1,058,494
(36,944)
0
0
2,021,579
1,872,855
(3,466,343)
0
0
3,172,456
2,019,587
(2,105,825)
0
0
4,751,806
2,370,190
(4,149,506)
0
0
4,240,892
4,041,719
(3,280,986)
0
0
2,776,942
4,607,946
647,949
245,480
3,380,074
28,433,631
18,138,587
(13,065,537)
37,132,235
0
3,380,074
48,823
3,320,211
901,947
778,604
477,462
1,136,331
2,636,747
2,008,101
2,922,675
428,091
3,086,218
2,972,489
5,001,625
8,032,837
1,281,700
225,753
0
421,107
191,189
192,346
120,174
159,294
407,284
309,562
461,833
639,056
736,939
1,220,747
1,371,051
0
1,281,700
3,605,827
48,823
3,741,318
1,093,136
970,950
597,636
1,295,624
3,044,031
2,317,664
3,384,508
1,067,147
3,823,157
4,193,237
6,372,675
8,032,837
44,870,270
0
0
(67,317)
0
181,029
(113,712)
0
0
0
0
0
(30,417)
0
(459,115)
489,532
0
0
0
0
30,184
(1,122,685)
0
1,203,677
(111,176)
0
0
0
0
44,503
(2,036,905)
0
1,717,265
275,136
0
0
0
10,846,095
193,800
(930,050)
(771,053)
(7,384,888)
(647,949)
(965,392)
(340,565)
0
12,161,308
350,115
(7,501,264)
(771,053)
(1,883,291)
(1,049,859)
(965,392)
(340,565)
0
7,738,035
Statement of Revenues, Expense, and Changes in Net Assets
Member Deposits
Interest Earned
Claims Paid
Claims Administration
(Incr.)/Decr. in Reserve for Claims
(Incr.)/Decr. in Prov. for Exp Rfnds
Excess Insurance
Dept. of Insurance Assessment
Administration Expenses
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6/20/2014
0
634
3,542
0
34,936
(39,112)
0
0
0
0
0
0
(190,264)
0
405,554
(215,290)
0
0
0
0
0
0
(208,774)
0
25,934
182,840
0
0
0
0
0
0
0
0
(64,070)
0
(99,113)
163,183
0
0
0
0
0
0
(245,101)
0
259,013
(13,912)
0
0
0
0
0
0
(392,052)
0
197,639
194,413
0
0
0
0
1,315,213
48,683
(324,465)
0
541,244
(1,580,675)
0
0
0
0
0
4,190
(925,386)
0
933,484
(12,288)
0
0
0
0
0
28,120
(967,320)
0
560,050
379,150
0
0
0
0
0
0
0
RMA 3 31 14 FS.xls
0
19
(Unaudited)
Workers' Compensation Program
March 31, 2014
Balance Sheet
Total Assets
Assessment Payable
Reserve for Claims
Reserve for I.B.N.R./ULAE
Total Liabilities
1985/86
1986/87
1987/88
1988/89
1989/90
1990/91
1991/92
1992/93
1993/94
1995/96
1994/95
1996/97
1997/98
1998/99
1999/00
2000/01
Combined
Total
2001/02
0
24,639
6,163
212
125,088
65,603
133,747
179,675
127,851
245,367
209,980
96,340
116,594
532,019
673,589
520,143
684,309
3,741,318
0
24,639
6,163
212
125,088
65,603
133,747
179,675
127,851
245,367
209,980
96,340
116,594
532,019
673,589
520,143
684,309
3,741,318
0
0
0
0
0
0
0
16,445
5,564
83
0
0
0
5,371
8
0
0
0
213
(1)
0
0
30,962
76,735
977
0
0
63,309
5,884
(66)
0
0
30,621
23,585
90,277
0
0
133,488
31,023
(8,360)
0
0
195,821
25,417
(132,667)
0
0
215,345
30,739
(20,984)
0
0
115,497
8,615
40,804
0
0
100,084
18,804
(28,393)
30,965
0
54,181
43,349
11,362
214,515
0
201,607
37,411
19,914
0
0
298,709
59,273
225,000
0
0
363,073
61,321
31,219
0
0
456,880
150,117
(13,881)
245,480
0
2,276,022
583,420
215,290
0
22,092
5,379
211
108,674
69,126
144,482
156,153
88,571
225,100
164,915
90,495
139,857
473,447
582,982
455,613
593,116
3,320,211
0
2,548
784
1
16,415
(3,523)
(10,735)
23,522
39,280
20,267
45,064
5,845
(23,263)
58,572
90,608
64,530
91,193
421,107
0
24,639
6,163
212
125,088
65,603
133,747
179,675
127,851
245,367
209,980
96,340
116,594
532,019
673,589
520,143
684,309
3,741,318
0
0
(11,074)
0
11,008
66
0
0
0
0
0
0
0
(1,663)
0
91,940
(90,277)
0
0
0
0
0
0
0
(56,525)
0
(76,142)
132,667
0
0
0
0
0
0
0
(19,349)
0
(1,635)
20,984
0
0
0
0
0
0
0
(3,706)
0
44,510
(40,804)
0
0
0
0
0
0
0
(4,629)
0
(23,764)
28,393
0
0
0
0
0
0
0
(5,894)
0
17,256
(11,362)
0
0
(10,170)
0
30,084
(19,914)
0
0
0
0
0
0
0
(20,153)
0
245,153
(225,000)
0
0
0
0
0
0
0
(28,155)
0
59,374
(31,219)
0
0
0
0
0
0
0
(17,554)
0
3,673
13,881
0
0
0
0
0
Statement of Revenues, Expenses, and Changes in Net Assets
Member Deposits
Interest Earned
Claims Paid
Claims Servicing
(Incr.)/Decr. in Prov. for Exp Rfnds
Excess Insurance
DWC User Fees
Claims Paid by Mid-Layer/Aggregate
Retrospective (Refunds)/Charges
0
0
0
0
0
0
0
0
0
0
0
0
6/20/2014
0
0
(1,357)
0
1,440
(83)
0
0
0
0
0
0
0
0
0
0
8
(8)
0
0
0
0
0
0
0
0
212
0
(213)
1
0
0
0
0
0
0
0
0
(4,270)
0
5,247
(977)
0
0
0
0
0
0
0
0
0
0
(5,975)
0
(2,385)
8,360
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(190,264)
0
405,554
(215,290)
0
0
0
0
0
0
RMA 3 31 14 FS.xls
0
20
(Unaudited)
Liability Program
March 31, 2014
Balance Sheet
Accounts Receivable
Total Assets
Liability Assessment Payable
Reserve for Claims
Reserve for I.B.N.R.
Total Liabilities
Contingency
1986/87
through
1998/99
2001/02
2002/03
2,563,547
0
3,079
0
65,598
2,563,547
3,079
0
65,598
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2003/04
2004/05
0
2005/06
2006/07
2007/08
2008/09
2009/10
2010/11
2011/12
2012/13
2013/14
Combined
Total
0
345,859
72,404
65,931
1,738,672
161,027
995,443
3,377,094
4,011,123
4,030,737
17,430,513
0
0
0
345,859
72,404
65,931
1,738,672
161,027
995,443
3,377,094
4,011,123
4,030,737
17,430,513
0
0
5,886
(6,000)
0
0
0
0
0
0
0
0
0
367,893
27,305
(88,837)
0
70,382
5,211
(14,335)
0
92,541
15,207
(59,681)
0
68,133
77,746
1,572,597
0
252,433
52,410
(327,266)
0
325,651
257,876
242,323
0
1,006,682
1,543,016
350,042
0
1,710,749
1,829,551
16,621
0
1,121,937
2,147,399
761,401
0
5,016,400
5,961,608
2,446,865
(114)
0
0
306,361
61,258
48,067
1,718,476
(22,424)
825,851
2,899,741
3,556,920
4,030,737
13,424,874
2,563,547
3,079
(0)
65,712
(0)
(0)
39,498
11,146
17,864
20,196
183,450
169,592
477,353
454,203
0
4,005,639
2,563,547
3,079
0
65,598
0
(0)
345,859
72,404
65,931
1,738,672
161,026
995,443
3,377,094
4,011,123
4,030,737
17,430,513
0
0
(608,549)
0
602,549
6,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(68,374)
0
(20,463)
88,837
0
0
0
0
0
(44,650)
0
30,315
14,335
0
0
0
0
0
(121,408)
0
61,727
59,681
0
0
0
6,562,851
88,399
(299,350)
(733,350)
(3,269,336)
(761,401)
(1,587,813)
0
0
6,703,806
181,473
(5,491,140)
(733,350)
2,693,289
(1,739,127)
(1,587,813)
0
0
0
0
Member Deposits
Interest Earned
Claims Paid
(Incr.)/Decr. in Prov. for Experience Rfnds
Excess Insurance
CJPRMA Redistribution
0
27,138
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
27,138
0
0
6/20/2014
0
0
0
0
140,955
20,456
(49,995)
0
45,311
(156,727)
0
0
0
0
0
(14,175)
(895,341)
0
1,438,904
(529,388)
0
0
0
0
0
(1,946)
(1,634,229)
0
1,016,739
619,436
0
0
0
0
0
23,563
(1,351,646)
0
2,030,163
(702,080)
0
0
0
0
0
38,038
(417,598)
0
757,380
(377,820)
0
0
0
0
0
RMA 3 31 14 FS.xls
27,138
21
(Unaudited)
Liability Program
March 31, 2014
Balance Sheet
Total Assets
Liability Assessment Payable
Reserve for Claims
Reserve for I.B.N.R.
Total Liabilities
1986/87
1987/88
1988/89
1989/90
1990/91
1991/92
1992/93
1993/94
1994/95
1995/96
1996/97
1997/98
1998/99
1999/00
2000/01
Combined
Total
0
0
(0)
0
0
0
0
0
0
(0)
0
0
3,079
0
0
3,079
0
0
(0)
0
0
0
0
0
0
(0)
0
0
3,079
0
0
3,079
0
0
0
0
0
0
0
(0)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(0)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(0)
0
0
0
0
0
0
0
(0)
0
0
0
0
0
(0)
(0)
(0)
0
0
0
0
0
(0)
0
0
3,079
(0)
(0)
3,079
0
0
(0)
0
0
0
0
0
0
(0)
0
0
3,079
0
0
3,079
0
Member Deposits
Interest Earned
CJPRMA Redistribution Received
Claims Paid
(Incr.)/Decr. in Prov. for Experience Rfnds
Excess Insurance
CJPRMA Redistribution
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6/20/2014
RMA 3 31 14 FS.xls
22
Actual to Budget Comparison
For the Nine Months Ended March 31, 2014
(Unaudited)
Indirect Expenses:
General Management
Legal Services
Actuarial Services
Financial Audit
Meetings & Retreat
Conferences
Training & Workshops
Police/ Fire Manuals
Fidelity & Honesty Bond
CAJPA Accreditation
EPN Services
Miscellaneous Admin Expenses
Contingency Fund
Total
6/20/2014
Actual
1,267,594
17,182
14,900
13,750
27,951
8,883
28,178
89,493
0
6,250
10,878
881
0
1,485,940
Annual
Budget
1,690,125
30,000
14,900
13,750
44,000
16,000
30,000
191,725
1,100
7,150
9,800
1,500
50,000
2,100,050
Amount
Unused
422,531
12,818
0
0
16,049
7,117
1,822
102,232
1,100
900
(1,078)
619
50,000
614,110
% Used
75%
57%
100%
100%
64%
56%
94%
47%
0%
87%
111%
59%
0%
71%
RMA 3 31 14 FS.xls
23
POOLED WORKERS’ COMPENSATION PROGRAM
MEMORANDUM OF COVERAGE
FOR THE 2013/142014/15 PROGRAM YEAR
24
WORKERS’ COMPENSATION COVERAGE
DECLARATIONS
MEMO POLICY NUMBER RMA2013RMA2014-WC
1.
NAMED COVERED PARTY:
Central San Joaquin Valley Risk Management
Authority, et. al., as per Endorsement No. 1
1750 Creekside Oaks Drive, Suite 200,
Sacramento, CA 95833
2.
POLICY PERIOD:
From 7/1/2013 2014 to 7/1/20142015
12:01 a.m. Pacific Standard Time
3.
LIMITS OF LIABILITY:
Workers’ Compensation
Employer’s Liability
$500,000 any one loss
$500,000 any one loss
ENDORSEMENTS:
Form No. RMA2013RMA2014-WC, Endorsement
No. 1, 2, and 3
4.
FORMING PART OF THE POLICY
AT INCEPTION
ON BEHALF OF CENTRAL SAN JOAQUIN VALLEY RISK MANAGEMENT AUTHORITY
Authorized Representative
25
(CSJVRMA)
Pooled Workers’ Compensation Program
Memorandum of Coverage
Memo Policy Number - RMA2013RMA2014-WC
This Memorandum of Coverage is a part of the Master Plan Document of the Authority’s Pooled
Workers’ Compensation Program.
GENERAL SECTION
A.
THE MEMORANDUM
This Memorandum includes at its effective date the Declaration Page and all endorsements
listed on the Declarations Page. This Memorandum is the coverage document between the
Covered Member and the Authority. The terms of this Memorandum may not be changed or
waived except by endorsement issued by the Authority to be part of this Memorandum.
B.
CONTINUOUS MEMORANDUM
This Memorandum is effective at 12:01 a.m. on the date stated in Item 2 of the Declaration
Page. All of the provisions of this Memorandum apply beginning with the date shown in Item
2 of the Declaration Page until June 30th of that fiscal year.
C.
WHO IS COVERED
Each Covered Member is a “Member” which has elected to participate in the Authority’s
Pooled Workers’ Compensation Program. If a Covered Member loses its status as a “Member”
of the Authority, the coverage under this Memorandum of Coverage shall terminate
immediately upon such change in status.
D.
WORKERS’ COMPENSATION LAW
Workers’ Compensation Law means the workers’ or workmen’s compensation law and
occupational disease law of the State of California or any similar law. It includes any
amendments to that law which are in effect during the term of this Memorandum. It does not
include any federal workers’ or workmen’s compensation law, any federal occupational
disease law, or the provisions of any law that provide non-occupational disability benefits.
26
E.
QUALIFIED SELF-INSURER
The Covered Member represents that it is a duly qualified self-insurer under the Workers’
Compensation Law of the State of California and will continue to maintain such qualifications
during the term this Memorandum is in effect. If the Covered Member should fail to qualify or
fail to maintain such qualifications, the coverage provided under this Memorandum shall
automatically terminate the first date of such failure.
PART ONE – WORKERS’ COMPENSATION COVERAGE
A.
COVERAGE
The Authority will pay those sums for which the Covered Member becomes liable under the Workers’
Compensation Laws to which this coverage applies. The Authority will not pay more than Limit of
Liability stated in Item 3 of the Declarations page and further defined under Part Four of this
Memorandum during the Coverage Period provided that:
B.
1.
Injury must occur during the coverage period; and
2.
Illness by disease must be caused or aggravated by the conditions of employment by
the Covered Member and the employee’s last day of exposure to the conditions causing
or aggravating such injury by disease must occur during the coverage period.
DEFENSE
The Authority has the right and duty to defend at its expense any claim, proceeding, or suit
against the Covered Member for liabilities payable by this coverage. The Authority has the
right to investigate and settle these claims, proceedings, or suits.
The Authority shall provide for the defense of, but not the indemnity for, serious and willful
misconduct pursuant to Labor Code 4553, or discrimination or any other actions pursuant to
Labor Code 132a brought before the Workers’ Compensation Appeals Board. The Authority’s
duty to defend such claims shall cease upon the resolution of the underlying claim for
disability.
C.
PAYMENTS THE MEMBER MUST MAKE
The Authority is not responsible for any payments in excess of benefits regularly provided by
the Workers’ Compensation Law including those imposed on the Covered Member because:
1.
Of the Covered Member’s serious and willful misconduct (except as stated herein
above);
2.
The Covered Member employs an employee in violation of law;
27
3.
The Covered Member fails to comply with a health or safety law or regulation;
4.
The Covered Member discharges, coerces, or otherwise discriminates against any
employee in violation of the Workers’ Compensation Law; or
5.
The Covered Member violates or fails to comply with any Workers’ Compensation
Law.
If the Authority makes any payments in excess of the benefits regularly provided by the
Workers’ Compensation Law on the Covered Member’s behalf, the Covered Member shall
reimburse the Authority promptly.
PART TWO – EMPLOYER’S LIABILITY COVERAGE
The Authority will pay on behalf of the Covered Member liability because of bodily injury to
employees arising out of and in the course of employment during this term of this program, up to the
Authority’s Limit of Liability stated in Item 3 of the Declarations Page.
PART THREE – POLICY EXCLUSIONS
This Memorandum of Coverage shall not apply to:
A.
liability imposed by the Workers’ Compensation Laws because of bodily injury or disease to
prisoners or inmates who receive compensation from an entity, other than the Covered
Member, for the work performed except for liability imposed by the Workers’ Compensation
Laws because of bodily injury or disease to participants of a work release program or other
community service program established by a county of the State of California;
B.
liability imposed upon the Covered Member by Section 4850 and Section 4856 of the
California Labor Code, except to the extent that the Covered Member or the Authority would
be obligated to pay temporary disability benefits if Labor Code Section 4850 did not apply.
Any such payments imposed upon the Covered Member by Labor Code Section 4850 shall not
be credited to the satisfaction of the Covered Member’s retained limit;
C.
the Employer’s Liability Coverage herein does not apply to any obligation imposed by a
workers’ compensation, occupational disease, unemployment compensation, or disability
benefits law, or any similar law;
D.
bodily injury or disease intentionally caused or aggravated by the Covered Member;
28
E.
bodily injury or disease to an employee while employed in violation of law with the actual
knowledge of the Covered Member;
F.
liability for additional compensation imposed on the Covered Member under Labor Code
Section 4557 by reason of injury or disease to an employee under sixteen (16) years of age and
illegally employed at the time of the injury or disease;
G.
claims involving a waiver of subrogation approved by a member after the date of injury or
illness that resulted in the claim. This exclusion shall not apply to a waiver of subrogation
contained in a written agreement or contract that was approved by the member prior to the date
of injury or illness that resulted in the claim.
PART FOUR – THE COVERED MEMBER’S RETENTION AND AUTHORITY’S LIMIT OF
LIABILITY
A.
LIMIT OF COVERAGE BY AUTHORITY
The Authority will indemnify the Covered Member for loss under Workers’ Compensation
Laws, but will not exceed the Limits of Liability stated in Item 3 of the Declaration Page on
any one (1) loss. The Authority will pay on behalf of the Covered Member for Employer’s
Liability losses but will not exceed the Limits of Liability stated in Item 3 of the Declaration
Page on any one (1) loss.
B.
HOW THE LIMIT OF COVERAGE APPLIES
The Authority’s Limit of Coverage stated in Item 3 of the Declaration Page applies to claims
covered under the Workers’ Compensation coverage or Employer’s Liability coverage as
follows:
1.
All “bodily injury” sustained by one (1) or more “employees,” as a result of a single
accident, shall be deemed to arise from a single “occurrence.”
2.
“Occupational disease” sustained by each “employee” shall be deemed to arise from a
separate “occurrence,” and the “occurrence” shall be deemed to take place on the last
day of the last exposure, in the employment of the “Covered Member,” to conditions
causing or aggravating the disease.
3.
All “occupational disease” sustained by one (1) or more “employees” as a result of an
outbreak of the same “communicable disease” shall be deemed to arise from a single
“occurrence.” An outbreak of the same “communicable disease” that spans more than
one (1) coverage period shall be deemed to take place during the first such coverage
period.
The inclusion of more than one (1) Covered Member as the employer of the injured
employee(s) will not increase the Authority’s Limit of Coverage.
29
PART FIVE – CONDITIONS
A.
NOTICE OF ACCIDENT
1.
The Covered Member shall give prompt written notice to the Authority if a claim for
an injury or disease occurs which appears to involve coverage by the Authority.
2.
Notice of accident given to the Authority shall contain complete details on the injury,
disease, or death. If a suit, claim, or other proceeding is commenced which appears to
involve coverage by the Authority, the Covered Member shall give the Authority:
3.
B.
C.
a)
all notices and legal papers related to the claim, proceeding, or suit, or copies
of these notices and legal papers; and
b)
copies of reports on investigations made by the Covered Member on such
claims, proceedings, or suits.
If written notice is not provided by the Covered Member to the Authority within thirty
(30) calendar days of knowledge of such claim, coverage will not be provided under
this Memorandum of Coverage.
SUBROGATION – RECOVERY FROM OTHERS
1.
The Authority has the Covered Members’ rights, and the rights of persons entitled to
compensation benefits from the Covered Member, to recover the Authority’s loss from
any third party liable for the injury or disease. The Covered Member will do
everything necessary to protect those rights for the Authority and to assist in enforcing
them. Any recovery, after deducting the Authority’s recovery expenses, will first be
used to reduce the Authority’s loss. The balance, if any, will be returned to the
Covered Member.
2.
Costs associated with obligations recognized as State Mandated Costs should be
recoverable from the State by the Covered Member.
MEMORANDUM CONFORMS TO LAW
If terms of this Memorandum are in conflict with any laws applicable to this Memorandum, the
Authority’s Agreement, the Authority’s Bylaws, or the Authority’s Pooled Workers’
Compensation Program Master Plan Document, this statement amends this Memorandum to
conform to such law or document.
D.
ARBITRATION
Final decisions by the Authority concerning a claim (including, but not limited to, decisions regarding
claim resolution, negotiation, investigation, defense, appeal or settlement, and decisions about whether
coverage exists for a particular claim or part of a claim) shall be made by the Executive Committee of
30
the Authority. If the Covered Member disagrees with a written denial of coverage from the Authority,
it may appeal that denial to the Executive Committee within ninety (90) calendar days of receipt of the
denial. If the Covered Member disagrees with the decision of the Executive Committee, it may appeal
that decision to the Board of Directors within ninety (90) calendar days of written notice of that
decision. The matter shall be placed on the agenda of the next regularly scheduled Board meeting. The
Covered Member must exhaust its rights to appeal to the Executive Committee and to the Board of
Directors before requesting arbitration of a dispute. Any dispute concerning a decision by the Board of
the Authority to deny coverage for all or part of a claim shall not be subject to any court action, but
shall instead be submitted to binding arbitration.
Arbitration shall be conducted pursuant to the California Code of Civil Procedure by a single neutral
arbitrator who is a lawyer experienced in contract interpretation or a retired federal or California State
judge. The arbitrator shall not be employed by or affiliated with the Authority or the Covered Member
or members.
The selection of the arbitrator shall take place within twenty (20) calendar days from the receipt of the
request for arbitration. The arbitration hearing shall commence within forty-five (45) calendar days
from the date of the selection of the arbitrator.
Each party shall pay the one-half (1/2) of the cost of the selected arbitrator. Each party shall also be
responsible for its own costs and expenses of arbitration.
Except for notification of appointment and as provided in the California Code of Civil Procedure,
there shall be no communication between the parties and the arbitrator relating to the subject of the
arbitration other than at oral hearings.
The decision of the arbitrator shall be final and binding, and shall not be subject to appeal.
31
WORKERS’ COMPENSATION COVERAGE
ENDORSEMENT NO. 1
IT IS UNDERSTOOD THAT THE NAMED COVERED MEMBER OF THE DECLARATION IS
COMPLETED AS FOLLOWS:
City of Angels Camp
City of Arvin
City of Atwater
City of Avenal
City of Ceres
City of Chowchilla
City of Corcoran
City of Delano
City of Dinuba
City of Dos Palos
City of Escalon
City of Exeter
City of Farmersville
City of Firebaugh
City of Fowler
City of Gustine
City of Hughson
City of Huron
City of Kerman
City of Kingsburg
City of Lathrop
City of Lemoore
City of Lindsay
City of Livingston
City of Los Banos
City of Madera
City of Maricopa
City of McFarland
City of Mendota
City of Newman
City of Oakdale
City of Orange Cove
City of Parlier
City of Patterson
City of Porterville
City of Reedley
City of Ripon
City of Riverbank
City of San Joaquin
City of Sanger
City of Selma
City of Shafter
City of Sonora
City of Sutter Creek
City of Taft
City of Tehachapi
City of Tracy
City of Tulare
City of Wasco
City of Waterford
City of Woodlake
ATTACHED TO AND FORMING PART OF POLICY NO. RMA2013-WC
EFFECTIVE DATE:
July 1, 20132014
________________________
32
WORKER COMPENSATION COVERAGE
ENDORSEMENT NO. 2
It is understood that the “retained limits” for the named Covered Members listed in Endorsement No. 1
are as follows:
$10,000 Retained Limit
City of Angels Camp
City of Dos Palos
City of Escalon
City of Firebaugh
City of Fowler
City of Gustine
City of Hughson
City of Huron
City of Maricopa
City of Mendota
City of Orange Cove
City of San Joaquin
City of Tehachapi
City of Waterford
City of Arvin
City of Avenal
City of Corcoran
City of Kingsburg
City of Lathrop
City of Lindsay
City of Livingston
City of McFarland
City of Newman
City of Parlier
City of Patterson
City of Riverbank
City of Sonora
City of Woodlake
City of Dinuba
City of Exeter
City of Kerman
City of Lemoore
City of Los Banos
City of Oakdale
City of Reedley
City of Ripon
City of Sanger
City of Selma
City of Shafter
City of Taft
City of Wasco
City of Atwater
City of Ceres
City of Chowchilla
City of Delano
City of Madera
City of Tulare
City of Tracy
City of Porterville
EFFECTIVE DATE:
July 1, 20142013
_________________________
33
POOLED WORKERS’ COMPENSATION COVERAGE
ENDORSEMENT NO. 3
Notwithstanding anything to the contrary in this Memorandum of Coverage, it is understood that the
definition of “employee” as used in this Memorandum of Coverage shall include inmates at the
Community Correctional Facilities operated by the Cities of Delano, Shafter, and Taft while such
inmates are performing work which is authorized, assigned, defined, and/or supervised by or under the
direction of the respective City.
It is further understood that the definition of “Covered Member” as used in this Memorandum of
Coverage shall include the Cities of Delano, Shafter, and Taft with regard to the inmates of those
Cities’ Community Correctional Facilities while such inmates are performing work which is
authorized, assigned, defined, and/or supervised by or under the direction of the respective City.
For the purpose and solely as to the subject matter of this Endorsement, Exclusion A of PART THREE
– POLICY EXCLUSIONS herein shall not apply to the Cities of Delano, Shafter, and Taft.
EFFECTIVE DATE: July 1, 20132014
34
POOLED PROPERTY PROGRAM
2013/14 4/15PROGRAM YEAR
35
POOLED PROPERTY COVERAGE
DECLARATIONS
POLICY NO. CSJVRMA 20132014-P
Authority, et al., as per Endorsement No. 1
Sacramento, CA95833
PROPERTY COVERED:
Schedule of Covered Property on file with Central San
Joaquin Valley Risk Management Authority
POLICY PERIOD:
From 7-1-2013 2014 to 7-1-20142015
$25,000
DEDUCTIBLE:
$1,000, $5,000, or $10,000 per loss
COVERAGE:
The terms and conditions of the excess insurance carriers
issued to Central San Joaquin Valley Risk Management
Authority are incorporated into this policy.
FORMS AND ENDORSEMENTS: Form No. CSJVRMA 20132014-P, and
Forming Part of the Policy at Inception
Endorsement No. 1 and 2
AUTHORIZED REPRESENTATIVE
36
POOLED PROPERTY PROGRAM
TABLE OF CONTENTS
A.
B.
C.
D.
E.
F.
COVERAGE AGREEMENT ................................................................................................. 1
LIMIT OF LIABILITY........................................................................................................... 1
DEDUCTIBLE ....................................................................................................................... 1
CONDITIONS ........................................................................................................................ 2
COVERAGE PERIOD ........................................................................................................... 2
DEFINITIONS ........................................................................................................................ 2
37
FORM NUMBER CSJVRMA 20132014-P
FOR THE
POOLED PROPERTY PROGRAM (PPP)
This Memorandum is the coverage document between the Member Entity and the Authority. The
terms of this Memorandum may not be changed or waived except by amendment made a part of this
Memorandum.
A.
B.
COVERAGE AGREEMENT
1.
The Authority will reimburse the Member Entity named on the Declarations for
losses to property that is, insured by the terms and conditions of the purchased
insurance, less any applicable Member Entity deductible.
2.
This Memorandum of Coverage does not apply to loss arising from or related to
cyber liability.
3.
This Memorandum of Coverage does not apply to loss to infrastructure whether or
not such infrastructure is scheduled under any other policy or coverage, including
the purchased insurance.
4.
Except as set forth herein to the contrary, the Memorandum of Coverage incorporates
the terms, provisions, and conditions of the purchased insurance with regard to the
portion of any loss which is the subject of this Memorandum.
LIMIT OF LIABILITY
The limit of liability of the Authority for each loss shall be the amount of the deductible
under the purchased insurance less the applicable Member Entity deductible under this
coverage, but in no event more than the amount stated on the Declarations.
C.
DEDUCTIBLE
The Authority's liability under Section B above shall be reduced by any applicable
Member Entity deductible amounts.
Effective 7/1/1314
1
38
FORM NUMBER CSJVRMA 20132014-P
D.
E.
CONDITIONS
1.
The Authority shall have the same rights as provided to the insurer by the
purchased insurance.
2.
If there is insurance other than the purchased insurance applicable to the loss
incurred, such insurance, unless it specifically states that it is excess of this
coverage, shall reduce the liability of the Authority by the amount that insurance is
liable for such loss.
3.
Appraisals must be submitted for existing structures and construction or square
footage price must be submitted on structures added for coverage within one year of
construction. If there is no appraisal or construction or square footage price on file
with the Authority for the property which is the subject of the loss, there is no
coverage under the Pooled Property Program.
COVERAGE PERIOD
This coverage applies to losses occurring during the coverage period defined in the
Declarations.
F.
DEFINITIONS
In addition to the definitions provided in the purchased insurance, the following additional
definitions apply to the Master Plan Document and the Memorandum of Coverage for this
PPP:
1.
Loss shall have the same meaning as in the purchased insurance.
2.
Purchased insurance shall mean insurance purchased by the Authority for the
benefit of the Authority and the Member Entities and specifically identified in the
Declarations.
3.
Authority means the Central San Joaquin Valley Risk Management Authority.
4.
Cyber Liability means loss arising from or related to electronic media and storage
devices, including, but not limited to, alteration, corruption, destruction, deletion or
damage to data or data storage devices, transmission or failure to prevent
transmission of malicious code or virus, cyber extortion, data protection, business
interruption loss, privacy notification costs, penalties for regulatory defense or other
penalties, or any other damage or loss arising out of or related to the acquisition,
storage, use, misuse, disclosure, or transmission of electronic data of any kind.
5.
Infrastructure means items such as tunnels, bridges, dams, catwalks (except those
not for public use), roadways, highways, streets, sidewalks, culverts, street lights and
traffic signals and other items determined infrastructure by the purchased
insurance.
Effective 7/1/1314
2
39
ENDORSEMENT NO. 1
This endorsement, effective 12:01 a.m. 7/1/20132014, forms a part of Policy No. CSJVRMA
20132014-P.
It is understood that the named Covered Party of the Declarations is completed as follows:
Central San Joaquin Valley Risk Management Authority,
City of Angels Camp
City of Arvin
City of Ceres
City of Chowchilla
City of Clovis
City of Corcoran
City of Dos Palos
City of Firebaugh
City of Fowler
City of Gustine
City of Hughson
City of Huron
City of Kerman
City of Kingsburg
City of Lathrop
City of Lindsay
City of Livingston
City of Los Banos
City of Madera
City of Maricopa
City of McFarland
City of Mendota
City of Newman
City of Parlier
City of Patterson
Effective Date:
July 1, 20132014
Endorsement No.:
1
City of Reedley
City of Ripon
City of Riverbank
City of San Joaquin
City of Selma
City of Shafter
City of Sonora
City of Tehachapi
City of Wasco
City of Woodlake
_____________________
Endt. No. 1
(7/1/20132014)
Effective 7/1/1314
40
ENDORSEMENT NO. 2
20132014-P.
It is understood that the deductible for the named Covered Parties listed in Endorsement No. 1 are as
follows:
$1,000 Deductible
City of Angels Camp
City of Arvin
City of Ceres
City of Chowchilla
City of Clovis
City of Corcoran
City of Dos Palos
City of Firebaugh
City of Fowler
City of Gustine
City of Hughson
City of Huron
City of Kerman
City of Kingsburg
City of Lathrop
City of Lindsay
City of Livingston
City of Madera
City of Maricopa
City of McFarland
City of Mendota
City of Newman
City of Parlier
City of Patterson
City of Reedley
City of Ripon
City of Riverbank
City of San Joaquin
City of Selma
City of Shafter
City of Sonora
City of Tehachapi
City of Wasco
City of Woodlake
$10,000 Deductible
City of Los Banos
Effective Date:
July 1, 20132014
Endorsement No.:
2
____________________
Endt. No. 2
(7/1/20132014)
Effective 7/1/1314
41
POOLED AUTO PHYSICAL DAMAGE PROGRAM
2013/142014/15 PROGRAM YEAR
42
AUTO PHYSICAL DAMAGE COVERAGE
FOR VEHICLES WITH VALUES IN EXCESS OF $25,000
DECLARATIONS
POLICY NO. CSJVRMA 20132014-APD
1750 Creekside Oaks Drive, Suite 200, Sacramento,
CA 95833
VEHICLES COVERED:
Schedule of Covered Vehicles on file with Central
San Joaquin Valley Risk Management Authority
POLICY PERIOD:
From 7-1-2013 to 7-1-2014
$10,000 per loss
DEDUCTIBLE:
$500 per loss
FORMS AND ENDORSEMENTS:
Form No. CSJVRMA 20132014-APD, and
Endorsement Nos. 1, 2, 3
_________________________
43
POOLED AUTO PHYSICAL DAMAGE PROGRAM (APD)
TABLE OF CONTENTS
A.
B.
C.
D.
E.
F.
G.
COVERAGE AGREEMENT ................................................................................................. 1
LIMIT OF LIABILITY........................................................................................................... 1
DEDUCTIBLE ....................................................................................................................... 1
EXCLUSIONS ........................................................................................................................ 2
CONDITIONS ........................................................................................................................ 2
COVERAGE PERIOD ........................................................................................................... 2
DEFINITIONS ........................................................................................................................ 2
44
FORM NUMBER CSJVRMA 20142013-APD
FOR THE
POOLED AUTO PHYSICAL DAMAGE PROGRAM
This Memorandum is the coverage document between the Member Entity and the Authority. The
terms of this Memorandum may not be changed or waived except by amendment made a part of this
Memorandum.
A.
B.
COVERAGE AGREEMENT
1.
The Authority will reimburse the Member Entity named on the Declarations for
losses to vehicles with values in excess of $25,000 that are, or except for the
deductible under the purchased insurance, would be, insured by the terms and
conditions of the purchased insurance.
2.
Any portion of this Memorandum of Coverage or the Automobile Physical Damage
Master Plan Document that is inconsistent with the purchased insurance shall
supersede that portion of the purchased insurance as respects that portion of any
loss which is the subject of this Memorandum.
LIMIT OF LIABILITY
The Authority shall pay, for any one loss, the lesser of:
C.
1.
$10,000; or
2.
The amount that, except for the deductible applicable to the purchased insurance,
would be paid under the purchased insurance.
DEDUCTIBLE
The Authority's liability under Section B above shall be reduced by the deductible amount
of $500.
Effective 7/1/1413
1
45
FORM NUMBER CSJVRMA 20132014-APD
D.
E.
F.
EXCLUSIONS
1.
All vehicles under $25,000 shall be excluded from this program.
2.
Damage intentionally caused to the vehicle by any employee, volunteer, officer or
member of any board, agency or commission of the Member Entity.
3.
Damage caused by earthquake or flood.
CONDITIONS
1.
The Authority shall have the same rights as provided to the insurer by the
purchased insurance.
2.
If there is insurance other than the purchased insurance applicable to the loss
incurred, such insurance, unless it specifically states that it is excess of this
coverage, shall reduce the liability of this Authority by the amount that insurance is
liable for such loss.
COVERAGE PERIOD
This coverage applies to losses occurring during the coverage period defined in the
Declarations.
G.
DEFINITIONS
In addition to the definitions provided in the Authority's Bylaws and the purchased
insurance, the following additional definitions apply to the Master Plan Document and the
Memorandum of Coverage for this Auto Physical Damage Program:
1.
Loss shall have the same meaning as in the purchased insurance.
2.
Purchased insurance shall mean insurance purchased by the Authority for the
benefit of the Authority and the Member Entity and specifically identified in the
Declarations.
Effective 7/1/1314
2
46
ENDORSEMENT NO. 1
This endorsement, effective 12:01 a.m. 7/1/20143 forms a part of Policy No. CSJVRMA 20143APD.
City of Angels Camp
City of Arvin
City of Avenal
City of Chowchilla
City of Clovis
City of Corcoran
City of Delano
City of Dinuba
City of Dos Palos
City of Exeter
City of Firebaugh
City of Fowler
City of Gustine
City of Hughson
City of Huron
City of Kerman
City of Lathrop
City of Livingston
Effective Date:
Endorsement No.:
City of Los Banos
City of McFarland
City of Madera
City of Maricopa
City of Mendota
City of Newman
City of Oakdale
City of Orange Cove
City of Reedley
City of Ripon
City of Riverbank
City of San Joaquin
City of Selma
City of Shafter
City of Sonora
City of Tehachapi
City of Turlock
City of Waterford
July 1, 20143
1
_________________________
Endt. No. 1(7/1/20143)
47
ENDORSEMENT NO. 2
This endorsement, effective 12:01 a.m. 7/1/20143, forms a part of Policy No. CSJVRMA 20143APD.
follows:
$500 Deductible
City of Angels Camp
City of Arvin
City of Avenal
City of Chowchilla
City of Clovis
City of Corcoran
City of Delano
City of Dinuba
City of Dos Palos
City of Exeter
City of Firebaugh
City of Fowler
City of Gustine
City of Hughson
City of Huron
City of Kerman
City of Lathrop
City of Livingston
Effective Date:
Endorsement No.:
City of Los Banos
City of Madera
City of Maricopa
City of McFarland
City of Mendota
City of Newman
City of Oakdale
City of Orange Cove
City of Reedley
City of Ripon
City of Riverbank
City of San Joaquin
City of Selma
City of Shafter
City of Sonora
City of Tehachapi
City of Turlock
City of WaterfordCity of Turlock
City of Waterford
July 1, 20143
2
_________________________
Endt. No. 2
(7/1/20143)
48
ENDORSEMENT #3
This endorsement, effective 12:01 a.m. 8/16/2013, forms a part of Policy No. CSJVRMA 2013APD.
It is understood that the named insured is amended to include the City of Kerman with a $500
deductible.
Effective Date:
August 16, 2013
Endorsement No.:
3
Endt.#3
(8/16/13)
49
LOW VALUE VEHICLE COVERAGE PROGRAM
2013/142014/15 PROGRAM YEAR
50
FOR VEHICLES WITH VALUES LESS THAN $25,000
DECLARATIONS
POLICY NO. CSJVRMA 20132014-LVV
VEHICLES COVERED:
Schedule of Covered Vehicles on file with Central
San Joaquin Valley Risk Management Authority
POLICY PERIOD:
From 7-1-2013 2014 to 7-1-20142015
LIMITS OF COVERAGE:
$25,000 per loss
DEDUCTIBLE:
$500 per loss
FORM AND ENDORSEMENTS:
Form No. CSJVRMA 2013-LVV, and
Endorsement Nos. 1, 2, and 3
________________________
51
LOW VALUE VEHICLE COVERAGE PROGRAM (LVVCP)
TABLE OF CONTENTS
A.
COVERAGE AGREEMENT ..........................................................................................................1
B.
EXCLUSIONS .................................................................................................................................1
C.
LIMIT OF LIABILITY....................................................................................................................2
D.
DEDUCTIBLE ................................................................................................................................2
E.
CONDITIONS .................................................................................................................................2
F.
COVERAGE PERIOD ....................................................................................................................3
52
FORM NUMBER CSJVRMA 20132014LVV
FOR THE
This Memorandum of Coverage is a part of the Master Plan Document of the Central San Joaquin
Valley Risk Management Authority (Authority) Low Value Vehicle Coverage Program (LVVCP).
The LVVCP Memorandum of Coverage shall be controlling with regard to any inconsistencies
between the LVVCP Memorandum of Coverage and the LVVCP Master Plan Document.
A.
B.
COVERAGE AGREEMENT
1.
The Authority will reimburse the participating member city for losses to covered
vehicles, and/or such vehicle's equipment, valued at $25,000 or less, when such
losses occur during the coverage period.
2.
The Authority will reimburse the participating member city up to $100 for towing
and labor costs incurred due to a vehicle being disabled. However, such labor must
be performed at the site of the disablement.
3.
The Authority will reimburse the participating member city up to $50 per day for the
additional expenses incurred in the procurement of transportation to replace that
which a disabled vehicle would have provided while it is being repaired or replaced,
up to a maximum of thirty calendar days or $1,500.
EXCLUSIONS
1.
Coverage does not apply to vehicles:
a.
that have an actual cash value in excess of $25,000;
b.
that are not licensed for travel on public roadways;
c.
that are contractor's equipment; or
d.
that are not specifically listed on the LVVCP schedule of covered vehicles.
Effective 7/1/1314
1
53
FORM NUMBER CSJVRMA 20132014-LVV
2.
C.
This coverage does not apply to losses caused by:
a.
war, whether or not declared, insurrection, riot, rebellion, or revolution;
b.
wear, tear, freezing, or mechanical or electrical breakdown;
c.
blowout, punctures, or other road damage to tires; or
d.
damages intentionally caused to the vehicle by any employee, volunteer, officer or
member of any board, agency or commission of the member city.
LIMIT OF LIABILITY
The Authority shall pay, for any one loss, the lesser of:
D.
1.
the limit of liability shown on the declarations;
2.
actual cash value of the damaged or stolen property, as determined by the appropriate Kelly
Blue Book; or
3.
the cost of repairing or replacing, with like kind, the damaged or stolen property.
DEDUCTIBLE
The Authority's liability under Section C above shall be reduced by the deductible amount indicated
on the declarations.
E.
CONDITIONS
1.
The participating member city shall submit two estimates for the cost of repairing the vehicle
from which the Authority may establish the cost of repairs under Section C (3). The
Authority has the right to set the cost of repairs at the lower of the estimates or any amount
higher, but in no event may the cost of repairs established by the Authority be greater than
the actual costs of repairing the damaged property.
2.
Where the participating member city has not replaced stolen property covered under this
Memorandum of Coverage and the stolen property is found, the Authority may return such
property to the participating member city and request return of any payments made under the
claim reduced by the cost of any repairs to such property.
Effective 7/1/1314
2
54
FORM NUMBER CSJVRMA 20132014-LVV
F.
3.
The Authority shall have the right to any proceeds received by the participating member city
or right of recovery that the participating member city may have against any other person or
entity as a result of the theft or damage.
4.
If there is insurance applicable to the loss incurred, such insurance, unless it specifically
states that it is in excess of this coverage, shall reduce the liability of the Authority by the
amount of such insurance payable for such loss.
COVERAGE PERIOD
This coverage applies to losses occurring during the coverage period defined in the Declarations.
Effective 7/1/1314
3
55
LOW VALUE VEHICLE COVERAGE
ENDORSEMENT NO. 1
This endorsement, effective 12:01 a.m. 7/1/20132014, forms a part of Policy No. CSJVRMA 20132014LVV.
City of Angels Camp
City of Avenal
City of Chowchilla
City of Corcoran
City of Dinuba
City of Dos Palos
City of Gustine
City of Hughson
City of Huron
City of Lathrop
City of Lemoore
City of Livingston
City of Los Banos
City of McFarland
City of Mendota
City of Orange Cove
City of Patterson
City of Ripon
City of Riverbank
City of San Joaquin
Effective Date:
July 1, 20132014
Endorsement No.:
1
City of Selma
City of Taft
City of Tehachapi
City of Turlock
City of Wasco
City of Waterford
City of Woodlake
________________________
Endt. No. 1
(7/1/20132014)
56
ENDORSEMENT NO. 2
This endorsement, effective 12:01 a.m. 7/1/20132014, forms a part of Policy No. CSJVRMA 20132014LVV.
follows:
$500 Deductible
City of Angels Camp
City of Avenal
City of Chowchilla
City of Corcoran
City of Dinuba
City of Dos Palos
City of Fowler
City of Gustine
City of Hughson
City of Huron
City of Lathrop
City of Lemoore
City of Livingston
City of Los Banos
City of McFarland
City of Mendota
City of Orange Cove
City of Selma
City of Taft
City of Tehachapi
City of Turlock
City of Wasco
City of Patterson
City of Ripon
City of Riverbank
City of San Joaquin
City of Waterford
City of Woodlake
Effective Date:
July 1, 20132014
Endorsement No.:
2
________________________
Endt. No. 2
(7/1/20132014)
57
ENDORSEMENT NO. 3
This endorsement, effective 12:01 a.m. 1/1/2014, forms a part of Policy No. CSJVRMA 2013-LVV.
It is understood that City of Fowler is added as a Covered Party to the Low Value Vehicle Coverage
Program with a $500 deductible.
COVERED PARTY
DEDUCTIBLE
City of Fowler
$500
Effective Date:
January 1, 2014
Endorsement No.:
3
Endt. No. 3
(1/1/2014)
58
Authority-CSJVRMA
Dec 2013 - Mar 2014
Employee Assistance Program
Utilization Report
59
Central San Joaquin Valley Risk Management Authority-CSJVRMA
Dec 2013 - Mar 2014
Utilization Summary
I. Number of Subscribers
Subscribers, Monthly Average
4,076
II. Call Activity
Current Period
Jan 2014 - Mar 2014
Year to Date
Dec 2013 - Mar 2014
Calls Received
218
271
21.39%
19.95%
9.93%
Current Period
Jan 2014 - Mar 2014
Year to Date
Dec 2013 - Mar 2014
MHN Norm
Routine
92
122
Crisis
0
0
Total
92
122
9.03%
8.98%
Annualized Utilization Rate
III. EAP Case Activity
Annualized Utilization Rate
IV. MHN National Survey Results
MHN Norm
4.27%
MHN Year to Date
Overall Experience with MHN - Responses Good and Above
94%
Participation Rate
17%
EAP Client Utilization Report - 002338/Central San Joaquin Valley Risk Management
Authority-CSJVRMA-EAP
Page
60 1 of 9
Dec 2013 - Mar 2014
Utilization Summary
EAP Clinical Cases
Current Period
Jan 2014 - Mar 2014
Year to Date
Dec 2013 - Mar 2014
Face To Face Cases
57
73
Telephonic Cases
1
1
Web-Video Consultation Cases
0
0
Total
58
74
Current Period
Jan 2014 - Mar 2014
Year to Date
Dec 2013 - Mar 2014
Critical Incident Stress Debriefings
2
2
DOT
0
0
Employee Orientation
3
3
Health Fair
0
0
Health Fair/Open Enrollment
0
0
Job Performance Referrals
0
0
Management Consultations
0
0
Management Workshops/Seminars
0
0
Open Enrollment
0
0
Organizational Development
0
0
Supervisor Orientation
0
0
Total
5
5
Life Management Services
Current Period
Jan 2014 - Mar 2014
Year to Date
Dec 2013 - Mar 2014
Adult/Elder Support Services
0
0
Caregiver Assistance
0
0
Child/Parenting
0
2
Daily Living
2
3
Financial Services
2
3
Identity Theft
4
4
Employer Services
Information Only
4
6
Legal Services
17
25
Nurseline
0
0
Total
29
43
Grand Total
92
122
Page
61 2 of 9
Dec 2013 - Mar 2014
Member Case Demographics
Employee
Number
Female
Male
Not Identified
Spouse/DP
% of Total
Number
Dependent
% of Total
Number
% of Total
MHN Norm
Total
Employee
Spouse/DP
Dependent
Number
% of Total
% of Total
% of Total
Under 20
1
2.6%
0
0.0%
7
53.8%
8
2.3%
1.9%
72.9%
20 to 34
16
42.1%
2
22.2%
5
38.5%
23
25.8%
20.2%
22.8%
35 to 49
10
26.3%
2
22.2%
0
0.0%
12
41.8%
53.7%
2.6%
50 to 65
11
28.9%
5
55.6%
0
0.0%
16
28.3%
23.4%
1.6%
Over 65
0
0.0%
0
0.0%
1
7.7%
1
1.8%
0.8%
0.0%
Subtotal
38
63.3%
9
15.0%
13
21.7%
60
79.9%
10.3%
9.7%
Under 20
2
4.1%
0
0.0%
4
80.0%
6
2.7%
2.1%
73.1%
20 to 34
5
10.2%
0
0.0%
1
20.0%
6
20.6%
12.9%
23.4%
35 to 49
27
55.1%
0
0.0%
0
0.0%
27
47.5%
44.3%
2.2%
50 to 65
15
30.6%
3
100.0%
0
0.0%
18
27.8%
39.2%
1.0%
Over 65
0
0.0%
0
0.0%
0
0.0%
0
1.4%
1.5%
0.2%
Subtotal
49
86.0%
3
5.3%
5
8.8%
57
79.0%
6.8%
14.1%
Not Identified
5
100.0%
0
0.0%
0
0.0%
5
100.0%
100.0%
100.0%
Subtotal
5
100.0%
0
0.0%
0
0.0%
5
96.7%
1.5%
1.8%
92
75.4%
12
9.8%
18
14.8%
122
80.2%
8.8%
11.0%
Total
Client Demographics
MHN Norm
Dependent
15%
Dependent
11%
Employee
80%
Employee
75%
Spouse/DP
10%
Spouse/DP
9%
Client Age Distribution
Client Gender Distribution
60
39
40
60
57
34
50
29
30
40
20
30
14
20
10
5
1
0
10
5
0
Under 20
20 to 34
35 to 49
50 to 65
Over 65 Not Identified
Female
Male
Not Identified
Page
62 3 of 9
Dec 2013 - Mar 2014
Referral Source
Referral Sources
Assessments Completed
% of Total
Brochure / Poster
18
17.0%
Co-worker
1
0.9%
DOT
0
0.0%
Decision Power Coach
0
0.0%
E-mail
0
0.0%
EAP (External)
1
0.9%
EAP (Internal)
0
0.0%
Family
5
4.7%
Group Representative
1
0.9%
Home Mailing
0
0.0%
Human Resources
51
48.1%
MHN Screening Tool-By-Phone
0
0.0%
MHN Screening Tool-On-Line
0
0.0%
MHN.com
2
1.9%
Manager/Supervisor
2
1.9%
Medical Department
0
0.0%
Newsletter
0
0.0%
Orientation
0
0.0%
PCP/Medical Doctor
0
0.0%
Provider
0
0.0%
SHPS
0
0.0%
Self
19
17.9%
Union
1
0.9%
Workshop
1
0.9%
Declined to Answer
0
0.0%
Other
4
3.8%
Total
106
100.0%
Top 5 Referral Sources
50.0%
48.1%
45.0%
40.0%
35.0%
30.0%
25.0%
17.9%
20.0%
17.0%
15.0%
10.0%
4.7%
3.8%
Family
Other
5.0%
0.0%
Human Resources
Self
Brochure / Poster
Page
63 4 of 9
Dec 2013 - Mar 2014
Case Activity
Services Provided
EAP Clinical Cases
Life Management Services
Employee
Number
Spouse/DP
Number
Dependent
Number
Total
Number
Face To Face Cases
49
7
17
73
Telephonic Cases
1
0
0
1
Web-Video Consultation Cases
0
0
0
0
Subtotal
50
7
17
74
Adult/Elder Support Services
0
0
0
0
0
0
0
0
Child/Parenting
2
0
0
2
Daily Living
3
0
0
3
Financial Services
2
1
0
3
Identity Theft
4
0
0
4
Information Only
5
1
0
6
Legal Services
21
3
1
25
Nurseline
0
0
0
0
Subtotal
37
5
1
43
87
12
18
117
74.4%
10.3%
15.4%
100.0%
Total
Total By Percent
Page
64 5 of 9
Dec 2013 - Mar 2014
Presenting Problem Summary - Year to Date
Employee
Job-Related
Addictions
Psychological/Emotional
Relationship
Life Management Issues
Other Problems
Total
Spouse/DP
Dependent
TOTAL
MHN Norm
Number
% of Total
Number
% of Total
Number
% of Total
Number
% of Total
% of Total
Career-General
1
33.3%
0
0.0%
0
0.0%
1
0.9%
0.6%
DOT
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.1%
Job Performance
0
0.0%
0
0.0%
0
0.0%
0
0.0%
1.8%
Training
0
0.0%
0
0.0%
0
0.0%
0
0.0%
2.1%
Work Place Violence
1
33.3%
0
0.0%
0
0.0%
1
0.9%
2.2%
Work Problems
1
33.3%
0
0.0%
0
0.0%
1
0.9%
3.0%
Subtotal
3
3.7%
0
0.0%
0
0.0%
3
2.8%
9.8%
Alcohol
4
100.0%
0
0.0%
0
0.0%
4
3.8%
0.8%
Court Ordered/DUI
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.0%
Drug
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.4%
Gambling
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.0%
Other
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.1%
Tobacco
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.0%
Subtotal
4
4.9%
0
0.0%
0
0.0%
4
3.8%
1.3%
ADD/ADHD
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.2%
Anger Management
0
0.0%
0
0.0%
1
20.0%
1
0.9%
1.1%
Anxiety
1
5.6%
0
0.0%
1
20.0%
2
1.9%
4.8%
Autism
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.0%
Depression/Mood
2
11.1%
0
0.0%
1
20.0%
3
2.8%
6.4%
Eating Disorder
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.1%
Grief
6
33.3%
0
0.0%
1
20.0%
7
6.6%
2.8%
Homicidal Concerns
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.0%
Other
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.0%
Psych Testing Request
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.0%
Psychopharm
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.1%
Psychotic Symptoms
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.0%
School/Educational
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.2%
Sexual Disorder
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.1%
Sexual/Physical Abuse
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.3%
Stress
9
50.0%
2
100.0%
1
20.0%
12
11.3%
9.6%
Suicidal Concerns
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.3%
Violence-Other
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.2%
Subtotal
18
22.0%
2
18.2%
5
38.5%
25
23.6%
26.2%
Adolescent/Child
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.8%
Divorce
0
0.0%
2
50.0%
1
25.0%
3
2.8%
1.9%
Domestic Violence
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.2%
Family
8
47.1%
0
0.0%
2
50.0%
10
9.4%
8.0%
General
3
17.6%
0
0.0%
1
25.0%
4
3.8%
1.5%
Marital/Couple
6
35.3%
2
50.0%
0
0.0%
8
7.5%
10.8%
Parenting Issues
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.4%
Subtotal
17
20.7%
4
36.4%
4
30.8%
25
23.6%
23.5%
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.1%
Child Care
2
5.4%
0
0.0%
0
0.0%
2
1.9%
1.6%
Daily Living
3
8.1%
0
0.0%
0
0.0%
3
2.8%
4.0%
Elder Care
0
0.0%
0
0.0%
0
0.0%
0
0.0%
1.6%
Financial
2
5.4%
1
20.0%
0
0.0%
3
2.8%
2.7%
Identity Theft
4
10.8%
0
0.0%
0
0.0%
4
3.8%
0.2%
Information Only
5
13.5%
1
20.0%
0
0.0%
6
5.7%
6.9%
Legal
21
56.8%
3
60.0%
1
100.0%
25
23.6%
16.4%
Nurseline
0
0.0%
0
0.0%
0
0.0%
0
0.0%
0.0%
Subtotal
37
45.1%
5
45.5%
1
7.7%
43
40.6%
33.5%
Other/Declined To Answer
3
100.0%
0
0.0%
3
100.0%
6
5.7%
5.6%
Subtotal
3
3.7%
0
0.0%
3
23.1%
6
5.7%
5.6%
82
100.0%
11
100.0%
13
100.0%
106
100.0%
100.0%
Page
65 6 of 9
Dec 2013 - Mar 2014
Employer Services Management Consultations
Employer Services
Number
Critical Incident Stress Debriefings
DOT
Employee Orientation
Health Fair
Health Fair/Open Enrollment
Job Performance Referrals
Management Consultations
Management Workshops/Seminars
Open Enrollment
Organizational Development
Supervisor Orientation
Total
2
0
3
0
0
0
0
0
0
0
0
5
Employer Services
3
3
2
2
1
0
0
0
0
0
0
0
0
0
Management
Consultations
Management
Workshops/
Seminars
Open
Enrollment
Organizational
Development
Supervisor
Orientation
0
Critical Incident
Stress Debriefings
DOT
Employee
Orientation
Health Fair
Health Fair
Job Performance
Open Enrollment
Referrals
Management Consultation Reasons
Number
Drug/Alcohol
Suicidal Concerns
Violence In The Workplace
Work Performance
Anger Management
Traumatic Event
Fitness For Duty Consultation Request
Other
Total
0
0
0
0
0
0
0
0
0
Management Consultation Reasons
0
0
0
0
0
0
0
0
Anger
Management
Drug/Alcohol
Fitness
For
Duty Consultation Request
Other
Suicidal
Concerns
Traumatic
Event
Violence
In
The Workplace
Work
Performance
0
Page
66 7 of 9
Dec 2013 - Mar 2014
Web Utilization
Web Sessions
Year to Date
Dec 2013 - Mar 2014
Annualized
Utilization %
Annualized Utilization
Norm %
# Web Sessions
143
10.5%
11.8%
Year to Date
Dec 2013 - Mar 2014
Annualized
Utilization %
Norm %
107
7.9%
6.5%
1
0.1%
0.0%
Page Views
Year to Date
Dec 2013 - Mar 2014
Annualized
Utilization %
Norm %
# Page Views
582
42.8%
40.2%
4
0.3%
0.0%
Year to Date
Dec 2013 - Mar 2014
% of Total
Year to Date
Dec 2013 - Mar 2014 Norm
# Page Views Benefits & Claims
4
0.7%
0.2%
# Page Views Member Matters
1
0.2%
1.1%
Unique Registered Users Accessing Site
# Unique Registered Users Accessing Site
Average # Web Sessions Per Unique Registered User
Average Page Views Per Session
Page Views By Section
# Page Views Self-Help
0.0%
# Page Views e-Learning
7
1.2%
0.4%
# Page Views Home, Welcome and Footer
394
67.7%
43.3%
# Page Views Emotional Health
59
10.1%
24.9%
# Page Views Wellness
43
7.4%
15.8%
# Page Views Family & Relationship
47
8.1%
9.8%
# Page Views Work & Life
27
4.6%
4.2%
# Page Views Manager's Toolkit
0
0.0%
0.2%
582
100.0%
100.0%
Page Views: Total
Most Popular Topics
# of Page Views
Year to Date
Dec 2013 - Mar 2014
% of Total
Page Views
Find a Practitioner
333
57.2%
Find a Practitioner
33.5%
My Benefits
42
7.2%
Alcohol and Drugs
10.4%
General Health
24
4.1%
General Health
9.8%
Marriage
21
3.6%
Stress
6.0%
Fitness and Exercise
13
2.2%
My Benefits
5.4%
Legal & Financial
13
2.2%
Fitness and Exercise
3.4%
Contact Us
12
2.1%
Diet and Nutrition
3.0%
Diet and Nutrition
12
2.1%
Communicating Effectively
2.2%
Stress
12
2.1%
Contact Us
2.1%
Anxiety
11
1.9%
Depression
1.8%
Year to Date
Dec 2013 - Mar 2014
Year to Date
Dec 2013 - Mar 2014
Norm
Year to Date
Dec 2013 - Mar 2014
Norm % of Total
Page Views
Page
67 8 of 9
EAP Report Glossary
Assessments
An assessment is an electronic data collection tool that can be developed to capture any reportable information that is required. This information may be of a
clinical or administrative nature.
Call Activity
Calls Received: Number of inbound calls in which assistance was offered.
Case Activity
Detail by member relationship of EAP Clinical cases and Life Management services on page two.
EAP Case Activity
Routine: Number of routine cases accessing EAP services for which an authorization was created.
Crisis: Number of crisis cases accessing EAP services for which an authorization was created. Crisis defined as emergency, life threatening emergency,
non-life threatening emergency, urgent.
EAP Clinical Cases
Face-to-Face: Number of cases for which an authorization was created for EAP clinical services.
Telephonic: Number of cases for which an authorization was created for EAP telephonic services.
Employer Services
CISD's/JPR's: Number of cases for which an authorization was created for a Job Performance Referral (JPR) or Critical Incident Stress Debriefing (CISD).
Includes cases that did not result in an authorization of services.
Management Consults: Number of Management Consultation requests. Includes cases that did not result in an authorization of services.
Workshops / Organizational Development / Supervisor Orientation: Number of cases for which an authorization was created for Workshops, Organizational
Development, or Supervisor Orientation.
Employee Orientation / Health Fairs: Number of Employee Orientations / Health Fairs conducted / attended.
Life Management
All Categories: Life Management Services broken out by specific service type.
Management Consult Reasons
Number of assessments by reason for Management Consult.
Member Demographics
Number of enrollees by age and gender with an authorization for EAP services.
Presenting Problems
Presenting problem details by member relationship, based on cases.
Referral Source
Number of assessments by referral source.
Satisfaction Survey Results
Survey data is based on MHN's national book of business.
Page
68 9 of 9
CSJVRMA- CRIME PROGRAM
MASTER LIST OF MEMBERS 14-15
NOTE: PROGRAM DED IS $25K WITH A $2500 BUYDOWN OPTION
INITIAL $1M LIMIT $3M LIMIT $5M LIMIT
$10M
QUOTED
INITIAL EFF ADD AT $2500 AT $2500 AT $2500 LIMIT AT
ANNUAL
DATE
ENDT #
DED
DED
DED
$2500 DED PREM 14-15
NAMED INSURED
ANGELS, CITY OF
ARVIN, CITY OF
ATWATER, CITY OF
AVENAL, CITY OF
CHOWCHILLA, CITY OF
CLOVIS, CITY OF
CORCORAN, CITY OF; CORCORAN JOINT POWERS FINANCE AUTHORITY
8/31/2009
11/24/2009
8/31/2009
9/9/2009
11/24/2009
11/2/2009
8/31/2009
2-254
2-209
2-210
2-208
2-211
2-262
2-212
DINUBA, CITY OF
GUSTINE, CITY OF (has Joint Loss Payable)
HURON, CITY OF
KERMAN, CITY OF
LATHROP, CITY OF
LIVINGSTON, CITY OF
LOS BANOS, CITY OF
MENDOTA, CITY OF
NEWMAN, CITY OF
OAKDALE, CITY OF
ORANGE COVE, CITY OF
REEDLEY, CITY OF
9/14/2009
8/31/2009
2/11/2011
2/29/2012
7/1/2011
9/2/2009
7/1/2012
8/31/2009
5/1/2010
7/1/2010
12/24/2012
8/1/2011
2-261
2-260
2-266
2-278
2-226
2-213
2-233
2-259
2-258
2-214
2-285
2-274
RIPON, CITY OF
SANGER, CITY OF; SANGER PUBLIC FINANCING AUTHORITY; SANGER
FINANCING AUTHORITY
SAN JOAQUIN, CITY OF
SHAFTER, CITY OF; SUCCESSOR AGENCY TO THE SHAFTER COMMUNITY
DEVELOPMENT AGENCY (COMPONENT UNIT); SHAFTER JOINT POWERS
FINANCING AUTHORITY (COMPONENT UNIT)
(increased limit to $10M eff
7/1/13)
TAFT, CITY OF
TEHACHAPI, CITY OF
TURLOCK, CITY OF
WASCO, CITY OF; WASCO PUBLIC FINANCE AUTHORITY
WATERFORD, CITY OF
WOODLAKE, CITY OF
TOTAL OF ANNUAL PREMIUMS:
X
X
X
X
X
X
X
X ($25K
DED)
X
X
X
X
X
X
X
X
X
X
X
X ($25K
DED)
9/2/2009 2-215
10/1/2009 2-216
3/8/2011 2-267
8/31/2009
12/7/2011
8/31/2009
8/29/2012
9/14/2009
7/1/2012
8/31/2009
2-257, 2242
2-276
2-256
2-284
2-255
2-246
2-217
X
X
X ($25K
DED)
X
X
X
X
X
X
Plus 5%
Admin
Fee
$747
$700
$1,241
$2,498
$852
$3,008
$1,833
$784
$735
$1,303
$2,623
$895
$3,158
$1,925
$2,201
$700
$700
$822
$823
$740
$5,350
$700
$813
$1,054
$1,400
$2,133
$2,311
$735
$735
$863
$864
$777
$5,618
$735
$854
$1,107
$1,470
$2,240
$2,043
$2,145
$1,071
$700
$1,125
$735
$6,313
$968
$735
$2,412
$2,450
$700
$700
$6,629
$1,016
$772
$2,533
$2,573
$735
$735
$46,407
$48,727
69
PEPIP
(CSJVRMA)
Loss Run Summary
Central San Joaquin Valley Risk Management Authority (CSJVRMA) - Valuation Date: 03.31.2014
2004-2005 Loss Run Summary
DEC
Claim #
Member
DOL
Loss Peril
1
02.009701.G
CSJVRMA: City of Fowler
08/23/04
Property Damage
1
02.009911.G
CSJVRMA: City of Ripon
09/27/04
Boiler and Machinery
1
02.010311.G
CSJVRMA: City of Kingsburg
10/17/04
Rainstorm Damage
1
02.009967.G
CSJVRMA: City of Gustine
10/19/04
1
02.009975.C
CSJVRMA: City of Selma
10/23/04
1
02.010310.G
CSJVRMA: City of Gustine
1
02.010756.G
CSJVRMA: City of Livingston
1
02.010520.J
1
1
Deductible
Code
Location
Whole Loss
Status
AR
Fowler, CA
$
25,000.00
C
B&M
Ripon, CA
$
25,000.00
C
AR
Kingsburg, CA
$
26,975.00
Wind Damage
AR
Gustine, CA
$
Fire
AR
Selma, CA
$
01/07/05
Wind Damage
AR
Gustine, CA
$
01/10/05
Construction Failure
AR
Livingston, CA
$
CSJVRMA: City of Chowchilla
02/15/05
Water Damage
AR
Chowchilla, CA
$
02.010703.G
CSJVRMA: City of Farmersville
03/09/05
Vehicle Collision
VCL
02.010803.G
04/10/05
Explosion
1
02.011020.G
05/14/05
1
02.011123.G
CSJVRMA: City of Ceres
06/03/05
1
02.011055.G
06/10/05
Damage to building
Deductible
$
JPA
Payments
JPA Reserve
Current Loss
Reserve
Prior Loss Paid
Current Month Loss
Collection
Total Incurred
25,000.00 $
-
$
-
$
-
$
- $
-
$
$
25,000.00 $
-
$
-
$
-
$
- $
-
$
C
$
25,000.00 $
-
$
-
$
1,975.00
$
- $
-
$
27,024.54
C
$
25,000.00 $
-
$
-
$
2,024.54
$
- $
-
$
2,024.54
140,215.39
C
$
25,000.00 $
-
$
-
$
115,215.39
$
- $
-
$
115,215.39
25,400.00
C
$
25,000.00 $
-
$
-
$
400.00
$
- $
-
$
400.00
25,000.00
C
$
25,000.00 $
-
$
-
$
$
- $
-
$
124,488.79
C
$
25,000.00 $
-
$
-
$
$
- $
-
$
$
- $
-
$
$
- $
-
$
74,478.50
99,488.79
1,975.00
99,488.79
Farmersville, CA
$
10,000.00
C
$
10,000.00 $
-
$
-
$
AR
Ripon, CA
$
99,478.50
C
$
25,000.00 $
-
$
-
$
74,478.50
Vehicle Collision
VCL
Fresno, CA
$
27,577.00
C
$
10,000.00 $
-
$
-
$
17,577.00
$
- $
-
$
17,577.00
Vehicle Collision
VCL
, CA
$
17,787.82
C
$
10,000.00 $
-
$
-
$
7,787.82
$
- $
-
$
7,787.82
Livingston, CA
$
25,000.00
C
$
25,000.00 $
-
$
-
$
$
- $
-
$
Totals
$
AR
598,947.04
$
280,000.00
$
-
Deductible
JPA Reserve
$
-
$
-
-
318,947.04
$
-
$
-
$
-
318,947.04
DEC
Claim #
Member
CSJVRMA: City of Porterville
1
1
1
1
02.011319.G
02.011349.J
02.011530.M
02.011554.G
1
1
1
1
1
1
02.011554.G
02.011712.G
02.012060.J
02.012152.G
02.012795.G
02.013074.M
1
02.013053.G
CSJVRMA: City of Farmersville
CSJVRMA: City of Clovis
1
02.013327.G
CSJVRMA: City of Dos Palos
CSJVRMA: City of Madera
CSJVRMA: City of Kerman
CSJVRMA: City of Firebaugh
DOL
07/27/05
08/16/05
09/10/05
09/16/05
09/16/05
10/13/05
11/24/05
12/10/05
01/18/06
06/13/06
Loss Peril
Damage to refuse truck/equipment
Theft
Electrical Fire
Vehicle Collision
Recovery to underwriters
06/26/06
Water Damage
Vehicle Collision
Vehicle Collision
Theft
Vehicle Collision
Fire - playground equipment
06/30/06
Breakin/Theft
Deductible
Code
Location
Whole Loss
Status
JPA
Payments
Current Loss
Reserve
Prior Loss Paid
AR
AR
AR
VCL
Porterville, CA
Madera, CA
Kerman, CA
, CA
$
$
$
$
116,957.77
25,000.00
26,763.11
36,465.81
C
C
C
C
$
$
$
$
10,000.00
25,000.00
25,000.00
10,000.00
$
$
$
$
-
$
$
$
$
-
$
$
$
$
AR
VCL
VCL
AR
VCL
Livingston, CA
Selma, CA
Farmersville, CA
Kingsburg, CA
Chowchilla, CA
$
$
$
$
$
39,294.92
31,875.02
25,799.39
25,000.00
14,519.40
C
C
C
C
C
$
$
$
$
$
25,000.00
10,000.00
10,000.00
25,000.00
10,000.00
$
$
$
$
$
$
-
$
$
$
$
$
$
-
$
$
$
$
$
$
AR
Clovis, CA
$
82,267.50
C
$
25,000.00
$
-
$
-
AR
Dos Palos, CA
$
32,989.86
C
$
25,000.00
$
-
$
-
Totals
$
456,932.78
$
200,000.00
$
-
$
-
Deductible
JPA Reserve
106,957.77
1,763.11
26,465.81
Current Month Loss
Collection
Total Incurred
$
$
$
$
-
$
$
$
$
-
$
$
$
$
106,957.77
1,763.11
26,465.81
(7,873.15)
14,294.92
21,875.02
15,799.39
4,519.40
$
$
$
$
$
$
-
$
$
$
$
$
$
-
$
$
$
$
$
$
(7,873.15)
14,294.92
21,875.02
15,799.39
4,519.40
$
57,267.50
$
-
$
-
$
57,267.50
$
7,989.86
$
-
$
-
$
7,989.86
$
249,059.63
$
-
$
-
$
249,059.63
DEC
Claim #
Member
DOL
Loss Peril
Deductible
Code
Location
Whole Loss
Status
JPA
Payments
Current Loss
Reserve
Prior Loss Paid
Current Month Loss
Collection
Total Incurred
1
02.015506.G
06/20/07
Vehicle Collision
VCL
Selma, CA
$
26,077.80
C
$
10,000.00
$
-
$
-
$
16,077.80
$
-
$
-
$
1
02.013507.G
CSJVRMA: City of Angels Camp
08/06/06
Vehicle Collision
VCL
Angels Camp, CA
$
15,162.62
C
$
10,000.00
$
-
$
-
$
5,162.62
$
-
$
-
$
5,162.62
1
02.013507.G
08/06/06
$
(2,763.33)
$
-
$
-
$
(2,763.33) $
-
$
-
$
(2,763.33)
1
02.013962.G
11/03/06
Vehicle Collision
VCL
Chowchilla, CA
$
46,035.97
C
$
10,000.00
$
-
$
-
$
36,035.97
$
-
$
-
$
36,035.97
1
02.013249.G
07/28/06
Collision - street sweeper
VCL
Clovis, CA
$
102,376.25
C
$
10,000.00
$
-
$
-
$
92,376.25
$
-
$
-
$
92,376.25
1
02.016236.G
11/10/06
Vehicle Collision
VCL
Clovis, CA
$
17,820.65
C
$
10,000.00
$
-
$
-
$
7,820.65
$
-
$
-
$
7,820.65
1
02.014282.G
CSJVRMA: City of Corcoran
01/14/07
Freeze Damage - CAT 092
Corcoran, CA
$
25,000.00
C
$
25,000.00
$
-
$
-
$
$
-
$
-
$
SUBR
AR
-
16,077.80
-
70
PEPIP
(CSJVRMA)
Loss Run Summary
1
02.013662.G
CSJVRMA: City of Hughson
08/24/06
Property Damage
AR
Hughson, CA
$
25,000.00
C
$
25,000.00
$
-
$
-
$
-
$
-
$
-
$
1
02.013925.M
07/30/06
Theft
AR
Madera, CA
$
25,000.00
C
$
25,000.00
$
-
$
-
$
-
$
-
$
-
$
1
02.015335.G
CSJVRMA: City of Newman
04/07/07
Vehicle Collision
VCL
Newman, CA
$
44,959.44
C
$
10,000.00
$
-
$
-
$
34,959.44
$
-
$
-
$
34,959.44
1
02.013805.G
CSJVRMA: City of San Joaquin
08/03/06
Property Damage
AR
, CA
$
63,248.47
C
$
25,000.00
$
-
$
-
$
38,248.47
$
-
$
-
$
38,248.47
1
1
02.013615.J
02.015400.S
07/16/06
04/16/07
Vehicle Collision
VCL
VCL
Selma, CA
Amador County, CA
$
$
20,263.50
12,572.29
C
C
$
$
10,000.00
10,000.00
$
$
-
$
$
-
$
$
10,263.50
2,572.29
$
$
-
$
$
-
$
$
10,263.50
2,572.29
Totals
$
420,753.66
$
180,000.00
$
-
$
-
$
240,753.66
$
-
$
-
$
240,753.66
Deductible
JPA Reserve
CSJVRMA: City of Sutter Creek
Vehicle Collision
-
DEC
Claim #
Member
DOL
Loss Peril
Deductible
Code
Location
Whole Loss
Status
JPA
Payments
Current Loss
Reserve
Prior Loss Paid
Current Month Loss
Collection
Total Incurred
1
02.016108.G
CSJVRMA: City of Delano
11/27/07
Property Damage
AR
Delano, CA
$
25,000.00
C
$
25,000.00
$
-
$
-
$
-
$
-
$
-
$
-
1
02.016344.P
12/21/07
Water Damage
AR
Kerman, CA
$
25,000.00
C
$
25,000.00
$
-
$
-
$
-
$
-
$
-
$
-
1
02.015722.S
CSJVRMA: City of Orange Cove
09/12/07
Fire
AR
Orange Cove, CA
$
10,749,666.33
C
$
25,000.00
$
-
$
-
$
10,724,666.33
$
-
$
-
$
1
02.016343.G
CSJVRMA: City of Avenal
01/04/08
Winter Storm - CAT No. 25
AR
Avenal, CA
$
33,746.47
C
$
25,000.00
$
-
$
-
$
8,746.47
$
-
$
-
$
8,746.47
1
02.016089.G
11/17/07
Fire - fire engine
VCL
Clovis, CA
$
47,301.97
C
$
10,000.00
$
-
$
-
$
37,301.97
$
-
$
-
$
37,301.97
1
02.017103.G
08/28/07
Vehicle Collision
VCL
Clovis, CA
$
106,511.95
C
$
10,000.00
$
-
$
-
$
96,511.95
$
-
$
-
$
96,511.95
1
02.017104.G
04/14/08
Vehicle Collision
VCL
Clovis, CA
$
23,166.67
C
$
10,000.00
$
-
$
-
$
13,166.67
$
-
$
-
$
13,166.67
1
04/14/08
04/14/08
06/26/08
Recovery to underwriters
1
02.017104.G
02.019815.M
02.018633.M
SUBR
VCL
VCL
Clovis, CA
Clovis, CA
$
$
$
(4,122.67)
10,000.00
36,135.72
C
C
$
$
10,000.00
10,000.00
$
$
$
-
$
$
$
-
$
$
$
(4,122.67) $
$
26,135.72 $
-
$
$
$
-
$
$
$
(4,122.67)
26,135.72
1
02.016420.G
AR
Kerman, CA
$
70,806.60
C
$
25,000.00
$
-
$
-
$
45,806.60
$
-
$
-
$
45,806.60
1
1
02.016110.G
02.017130.Q
$
$
28,523.29
198,514.50
C
C
$
$
25,000.00
25,000.00
$
$
-
$
$
-
$
$
3,523.29
173,514.50
$
$
-
$
$
-
$
$
3,523.29
173,514.50
02.015973.G
11/03/07
Fire - dwelling
Water Damage
Lathrop, CA
Livingston, CA
1
AR
AR
AR
Livingston, CA
$
25,000.00
C
$
25,000.00
$
-
$
-
$
$
-
$
-
$
1
02.015618.G
07/06/07
Vehicle Collision
Ripon, CA
$
41,073.06
C
$
10,000.00
$
-
$
-
$
31,073.06
$
-
$
-
$
31,073.06
1
02.016157.G
10/01/07
Damage to lift station
AR
San Joaquin, CA
$
54,772.73
C
$
25,000.00
$
-
$
-
$
29,772.73
29,772.73
1
02.016728.J
CSJVRMA: City of Sanger
02/03/08
Wind Damage
AR
Sanger, CA
$
25,000.00
C
$
25,000.00
$
-
$
-
$
1
02.016460.G
12/22/07
Vehicle Collision
VCL
Selma, CA
$
11,839.10
C
$
10,000.00
$
-
$
-
$
1
02.017272.C
CSJVRMA: City of Tehachapi
06/12/08
Fire
Tehachapi, CA
$
1,106,586.42
C
$
25,000.00
$
-
$
-
Totals
$
12,614,522.14
$
345,000.00
$
-
$
-
Deductible
JPA Reserve
1
CSJVRMA: City of Lathrop
12/14/07
11/16/07
05/20/08
Vehicle Collision
Vehicle Collision
Fire
Property Damage
VCL
AR
-
10,724,666.33
-
$
-
$
-
$
$
-
$
-
$
1,839.10
$
-
$
-
$
$
1,081,586.42
$
-
$
-
$
1,081,586.42
$
12,269,522.14
$
-
$
-
$
12,269,522.14
-
1,839.10
DEC
Claim #
Member
DOL
Loss Peril
1
02.019329.G
05/05/09
Damage to fire truck
1
02.019342.G
CSJVRMA: City of Atwater
03/16/09
Property Damage - signal light
1
02.017839.G
07/26/08
Adverse vehicle hit insured vehicle
1
02.018952.S
03/06/09
Equipment Damage
1
02.019357.G
02/19/09
Vehicle Collision
1
02.019357.G
02/19/09
1
02.017745.S
08/24/08
1
02.017745.S
08/24/08
1
02.017649.G
1
02.018748.N
CSJVRMA: City of McFarland
02/07/09
Boiler & Machinery
1
02.019279.F
CSJVRMA: City of Mendota
05/12/09
Fire
CSJVRMA: City of Los Banos
07/05/08
Deductible
Code
VCL
Vehicle Collision - single vehicle
Whole Loss
Status
JPA
Payments
Current Loss
Reserve
Prior Loss Paid
Angels Camp, CA
$
55,028.14
C
$
10,000.00
$
-
$
-
$
Atwater, CA
$
25,000.00
C
$
25,000.00
$
-
$
-
$
VCL
Clovis, CA
$
24,298.90
C
$
10,000.00
$
-
$
-
$
AR
Clovis, CA
$
25,000.00
C
$
25,000.00
$
-
$
-
$
VCL
Clovis, CA
$
34,685.84
C
$
10,000.00
$
-
$
-
$
$
-
$
-
$
C
$
25,000.00
$
-
$
-
$
12,838.75
$
$
-
$
-
$
(9,601.94) $
AR
SUBR
Fire - arson to playground equipment
Location
City of Clovis, CA
$
(11,633.01)
AR
Kingsburg, CA
$
37,838.75
SUBR
Kingsburg, CA
$
(9,601.94)
VCL
Los Banos, CA
$
13,700.00
C
$
10,000.00
$
-
$
-
$
B&M
McFarland, CA
$
2,500.00
C
$
2,500.00
$
-
$
-
$
Mendota, CA
$
65,300.00
C
$
25,000.00
$
-
$
-
$
AR
45,028.14
Current Month Loss
Collection
Total Incurred
$
-
$
-
$
$
-
$
-
$
$
-
$
-
$
$
-
$
-
$
$
-
$
-
$
24,685.84
(11,633.01) $
-
$
-
$
(11,633.01)
-
$
-
$
12,838.75
-
$
-
$
(9,601.94)
$
-
$
-
$
3,700.00
$
-
$
-
$
$
-
$
-
$
14,298.90
24,685.84
3,700.00
40,300.00
45,028.14
14,298.90
-
40,300.00
71
PEPIP
(CSJVRMA)
Loss Run Summary
1
02.019541.F
CSJVRMA: City of Riverbank
06/30/09
1
02.018359.M
11/06/08
Vehicle Collision
AR
VCL
Riverbank, CA
$
44,762.37
C
$
25,000.00
$
-
$
-
$
19,762.37
$
-
$
-
$
Selma, CA
$
30,153.00
C
$
10,000.00
$
-
$
-
$
20,153.00
$
-
$
-
$
19,762.37
20,153.00
Totals
$
337,032.05
$
177,500.00
$
-
$
-
$
159,532.05
$
-
$
-
$
159,532.05
Deductible
JPA Reserve
DEC
1
Claim #
02.020631.S
Member
DOL
02.020367.C
1
02.020972.G
CSJVRMA: City of Atwater
Property Damage - Digester #2
08/15/09
Boiler & Machinery - Sewer pump
overload/shutdown
Property Damage - tree fell onto building
B&M
Electrical Shortage - damage to intersection
cameras
Parapets rotted under caps
Water Damage
Water Damage - leak in roof
Theft - vehicle
Damages to light from tree limb fall
01/20/10
1
02.023161.G
02.021991.Q
02.021990.Q
02.021438.Q
02.019971.G
1
02.022104.G
1
1
1
1
Deductible
Code
12/04/09
1
Loss Peril
03/01/10
06/16/10
05/30/10
03/18/10
08/22/09
06/05/10
AR
Location
Whole Loss
Status
Madera, CA
$
338,000.00
C
$
Angels Camp, CA
$
11,375.00
C
Atwater, CA
$
25,000.00
C
BD
AR
AR
AR
VCL
Clovis, CA
Clovis, CA
Clovis, CA
Clovis, CA
Dos Palos, CA
$
$
$
$
$
500,000.00
25,000.00
27,393.67
32,632.55
25,402.30
BD
Kingsburg, CA
$
AR
JPA
Payments
Current Loss
Reserve
Prior Loss Paid
25,000.00
$
-
$
-
$
313,000.00
$
$
5,000.00
$
-
$
-
$
6,375.00
$
25,000.00
$
-
$
-
$
C
C
C
C
C
$
$
$
$
$
500,000.00
25,000.00
25,000.00
25,000.00
10,000.00
$
$
$
$
$
-
$
$
$
$
$
-
$
$
$
$
$
500,000.00
C
$
500,000.00
$
-
$
-
$
Current Month Loss
Collection
Total Incurred
-
$
-
$
313,000.00
$
-
$
-
$
6,375.00
$
-
$
-
$
$
$
$
$
$
-
$
$
$
$
$
-
$
$
$
$
$
-
$
-
$
-
$
-
2,393.67
7,632.55
15,402.30
2,393.67
7,632.55
15,402.30
-
Damage to concrete wall - hit and run driver
1
02.023912.G
AR
Lathrop, CA
$
25,000.00
C
$
25,000.00
$
-
$
-
$
1
02.019836.G
02/28/10
08/13/09
Fire damage - playground equipment
AR
Lathrop, CA
$
61,576.82
C
$
25,000.00
$
-
$
-
$
$
-
$
-
$
36,576.82
$
-
$
-
$
1
02.021193.S
01/04/10
Property Damage - Digester #3
AR
Madera, CA
$
73,761.00
C
$
25,000.00
$
-
$
-
1
02.021975.S
06/23/10
Roof Collapse
AR
Selma, CA
$
1,525,000.00
O
$
25,000.00
$
-
$
-
Totals
$
3,170,141.34
$
1,240,000.00
$
-
$
-
-
$
48,761.00
$
-
$
-
$
48,761.00
$
1,465,278.90
$
34,721.10
$
-
$
1,500,000.00
$
1,895,420.24
$
34,721.10
$
-
$
1,930,141.34
36,576.82
DEC
Claim #
Member
CSJVRMA/City of Arvin
DOL
1
02.023393.G
1
02.025537.M
1
02.024800.G
06/14/11
1
02.025762.A
07/01/10
1
02.024129.F
1
02.022465.G
1
02.022878.G
1
02.024516.Q
1
02.024493.Q
1
02.023160.V
1
02.024560.F
CSJVRMA: City of Huron
CSJVRMA: City of Huron
12/29/10
03/20/11
04/07/11
07/28/10
10/02/10
04/25/11
05/21/11
11/18/10
05/23/11
Loss Peril
Collision - Bus
Deductible
Code
Location
Whole Loss
Status
Aggregate
Erosion
Payments
Deductible
Aggregate
Erosion
Payments
Current Loss
Reserve
Prior Loss Paid
Current Month Loss
Collection
Total Incurred
VCL
Arvin, CA
$
107,170.72
C
$
10,000.00
$
-
$
-
$
97,170.72
$
-
$
-
$
97,170.72
VCL
Clovis, CA
$
36,868.75
C
$
10,000.00
$
-
$
-
$
26,868.75
$
-
$
-
$
26,868.75
Fire (arson) - playground equipment
AR
Clovis, CA
$
68,866.39
C
$
25,000.00
$
-
$
-
$
43,866.39
$
-
$
-
$
43,866.39
Well damaged due to subsidence
AR
Corcoran, CA
$
1,400,000.00
O
$
25,000.00
$
-
$
-
$
966,835.53
$
$
-
$
1,375,000.00
Collision - police vehicle
Fire
Vehicle Collision
Vehicle Collision
Vehicle Collision
Vehicle Collision
Theft - tractor
Water Damage - roof leak from rain
408,164.47
AR
Firebaugh, CA
$
583,184.28
C
$
25,000.00
$
-
$
-
$
558,184.28
$
-
$
-
$
558,184.28
VCL
Huron, CA
$
15,638.00
C
$
10,000.00
$
-
$
-
$
5,638.00
$
-
$
-
$
5,638.00
VCL
Fresno County, CA
$
14,150.00
C
$
10,000.00
$
-
$
-
$
4,150.00
$
-
$
-
$
4,150.00
VCL
Madera, CA
$
33,393.92
C
$
10,000.00
$
-
$
-
$
23,393.92
$
-
$
-
$
23,393.92
VCL
Madera, CA
$
51,311.95
C
$
10,000.00
$
-
$
-
$
41,311.95
$
-
$
-
$
41,311.95
AR
Tehachapi, CA
$
30,148.51
C
$
25,000.00
$
-
$
-
$
5,148.51
$
-
$
-
$
5,148.51
AR
San Joaquin, CA
$
25,000.00
C
$
25,000.00
$
-
$
-
$
$
-
$
-
$
Totals
$
2,365,732.52
$
185,000.00
$
-
$
-
$
$
-
$
1,772,568.05
$
408,164.47
2,180,732.52
72
PEPIP
(CSJVRMA)
Loss Run Summary
DEC
Claim #
1
02.025171.G
1
02026621.V
1
02.026137.Q
1
02.028646.V
1
02.026283.M
1
02.026396.G
1
02.026448.V
1
02.026984.Q
1
02.027431.V
1
02.028015.S
Member
CSJVRMA: City of Dinuba
DOL
08/09/11
10/25/11
11/08/11
11/20/11
12/23/11
01/12/12
12/16/11
CSJVRMA: City of Reedley
Loss Peril
Collision loss - police vehicle
Vehicle - intersection collision
Arson - police vehicle
Single Vehicle Accident
Fire
Fire - street sweeper
Location
Whole Loss
Status
Aggregate
Erosion
Payments
Deductible
Aggregate
Erosion
Payments
Current Loss
Reserve
Prior Loss Paid
Current Month Loss
Collection
Total Incurred
AR
Clovis, CA
$
57,841.36
C
$
25,000.00
$
-
$
-
$
32,841.36
$
-
$
-
$
32,841.36
VCL
Clovis, CA
$
39,961.67
C
$
10,000.00
$
-
$
-
$
29,961.67
$
-
$
-
$
29,961.67
VCL
Livingston, CA
$
14,283.32
C
$
10,000.00
$
-
$
-
$
4,283.32
$
-
$
-
$
4,283.32
VCL
Delano, CA
$
38,726.45
C
$
10,000.00
$
-
$
-
$
28,726.45
$
-
$
-
$
28,726.45
VCL
Fowler, CA
$
28,524.35
C
$
10,000.00
$
-
$
-
$
18,524.35
$
-
$
-
$
18,524.35
AR
Fowler, CA
$
25,218.51
C
$
25,000.00
$
-
$
-
$
218.51
$
-
$
-
$
218.51
VCL
Dinuba, CA
$
286,654.59
C
$
10,000.00
$
-
$
-
$
276,654.59
$
-
$
-
$
276,654.59
AR
Reedley, CA
$
33,035.85
C
$
25,000.00
$
-
$
-
$
8,035.85
$
-
$
-
$
8,035.85
VCL
Selma, CA
$
35,267.15
C
$
10,000.00
$
-
$
-
$
25,267.15
$
-
$
-
$
25,267.15
C
$
1,000.00
$
-
$
-
$
4,796.87
$
-
$
-
$
4,796.87
$
136,000.00
$
-
$
-
$
429,310.12
$
-
$
-
$
429,310.12
Property Damage - car drove into insured building
12/06/11
Deductible
Code
05/05/12
06/05/12
Vehicle Collision
Police Canine ("Scar") Injury
AN
Dos Palos, CA
$
5,796.87
Totals
$
565,310.12
DEC
Claim #
Member
DOL
CSJVRMA: City of Angels
1
02.028295.G
1
02.028240.V
1
02.028111.G
1
02.028241.V
1
02.028900.G
08/23/12
08/08/12
08/08/12
07/28/12
10/29/12
Loss Peril
Fire house bay door malfunction - damage to
doors
Collision - involving three City vehicles
Fire - playground area
Collision - involving two City vehicles
Theft of tools
02.029135.M
1
02.029498.N
01/12/13
Water Damage - broken water line
1
02.029499.N
01/13/13
Water Damage - broken water line
1
02.028706.R
11/09/12
10/12/12
1
02.028897.M
1
02.028645.V
10/13/12
Location
Whole Loss
Angels Camp, CA
$
25,000.00
C
$
25,000.00
$
-
$
-
$
Clovis, CA
$
21,253.29
C
$
10,000.00
$
-
$
-
$
$
25,000.00
$
-
$
-
$
61,681.02
$
-
$
-
$
61,681.02
$
10,000.00
$
-
$
-
$
49,302.22
$
-
$
-
$
49,302.22
AR
Tehachapi, CA
$
25,000.00
C
$
25,000.00
$
-
$
-
$
$
-
$
-
$
VCL
Tehachapi, CA
$
16,863.47
C
$
10,000.00
$
-
$
-
$
6,863.47
$
-
$
-
$
6,863.47
AR
Tehachapi, CA
$
76,381.84
C
$
25,000.00
$
-
$
-
$
51,381.84
$
-
$
-
$
51,381.84
10/14/12
Vehicle Collision
AR
Tehachapi, CA
$
38,201.92
C
$
25,000.00
$
-
$
-
$
13,201.92
$
-
$
-
$
13,201.92
VCL
Madera, CA
$
30,629.15
C
$
10,000.00
$
-
$
-
$
20,629.15
$
-
$
-
$
Theft - video game consoles, games and
accessories
Fire
20,629.15
25,000.00
C
$
25,000.00
$
-
$
-
-
$
-
O
$
AR
Madera, CA
$
AR
Clovis, CA
$
Clovis, CA
$
Clovis, CA
$
1
02.029363.Q
CSJVRMA: City of Sutter Creek
09/05/12
Vehicle Collision - police vehicle
VCL
Sutter Creek, CA
VCL
Madera, CA
VCL
1
02.029281.M
-
C
VCL
11,253.29
C
VCL
02.029303.M
$
86,681.02
Vehicle - intersection collision
1
$
-
59,302.22
Vehicle hit pole
-
$
$
05/25/13
02.029571.M
$
-
$
07/09/12
1
-
$
Selma, CA
$
Tehachapi, CA
02.029399.G
Total Incurred
AR
02.031020.P
1
11,253.29
Current Month Loss
Collection
VCL
02.030847.G
02.029361.G
Current Loss
Reserve
Prior Loss Paid
AR
1
1
Deductible
Aggregate
Erosion
Payments
VCL
1
Status
Aggregate
Erosion
Payments
-
-
Vehicle Collision involving two City vehicles
1
Deductible
Code
10/08/12
10/14/12
01/09/13
11/19/12
12/02/12
51,750.13
C
$
31,280.59
C
$
10,000.00
$
$
15,000.00
O
$
10,000.00
$
10,000.00
C
$
10,000.00
Madera, CA
$
10,000.00
C
$
VCL
Madera, CA
$
10,000.00
C
VCL
Selma, CA
$
10,000.00
Vehicle Collision
VCL
Fowler, CA
$
Vehicle Collision - police vehicle
Vehicle Collision
Vehicle
Vehicle hit pole
32,359.56
25,000.00 $
10,000.00 $
-
$
-
$
-
$
-
-
$
22,600.13
-
$
22,359.56
$
21,280.59
$
$
4,150.00 $
$
$
-
26,750.13
$
22,359.56
$
-
$
21,280.59
$
-
$
5,000.00
$
-
$
-
-
$
-
$
-
$
-
$
-
$
-
$
-
$
-
$
30,115.12
$
-
$
-
$
$
- $
$
-
-
$
-
$
-
$
-
$
-
$
$
-
$
-
$
-
$
-
10,000.00
$
-
$
-
$
-
$
$
10,000.00
$
-
$
-
$
-
C
$
10,000.00
$
-
$
-
$
-
40,115.12
C
$
10,000.00
$
-
$
-
$
5,000.00
30,115.12
1
02.029173.Q
10/19/12
Vehicle Collision
VCL
Kings County, CA
$
28,133.34
C
$
10,000.00
$
-
$
-
$
18,133.34
$
-
$
-
$
18,133.34
1
02.029525.S
CSJVRMA: City of Sonora
01/14/13
Freeze damage to water supply line
AR
Sonora, CA
$
212,498.82
C
$
25,000.00
$
-
$
-
$
187,498.82
$
-
$
-
$
187,498.82
1
02.029970.G
CSJVRMA: City of Taft
03/13/13
Sewer pipe break
AR
Taft, CA
$
145,979.88
O
$
25,000.00
$
-
$
-
$
$
-
$
120,979.88
-
$
120,979.88
73
PEPIP
(CSJVRMA)
Loss Run Summary
1
02.030459.G
05/30/13
Fire
AR
Delano, CA
$
2,775,000.00
O
$
25,000.00 $
-
$
-
$
1,255,403.21
1,494,596.79 $
-
$
1
02.030741.H
CSJVRMA: City of Ceres
06/07/13
Theft of copper
AR
Ceres, CA
$
27,208.00
C
$
25,000.00 $
-
$
-
$
2,208.00
$
- $
-
$
2,208.00
1
02.030708.H
CSJVRMA: City of Reedley
06/30/13
Property Damage - tree fell on shelter
AR
Reedley, CA
$
45,735.40
C
$
25,000.00 $
-
$
-
$
20,735.40
$
- $
-
$
20,735.40
Totals
$
$
1,794,647.08
$
3,419,373.75
3,849,373.75
$
430,000.00
$
-
$
-
$
$
1,624,726.67
$
-
2,750,000.00
DEC
Claim #
Member
DOL
Loss Peril
Deductible
Code
Location
Whole Loss
Status
Aggregate
Erosion
Payments
Deductible
Aggregate
Erosion
Payments
Current Loss
Reserve
Prior Loss Paid
Current Month Loss
Collection
Total Incurred
1
02.031617.P
09/01/13
Vehicle Collision
VCL
Chowchilla, CA
$
41,222.13
C
$
10,000.00
$
-
$
-
$
31,222.13
$
-
$
-
$
1
02.031802.P
CSJVRMA: City of Los Banos
09/30/13
Vehicle Collision
VCL
Los Banos, CA
$
14,673.82
C
$
10,000.00
$
-
$
-
$
4,673.82
$
-
$
-
$
4,673.82
1
02.032421.G
09/23/13
Structural damage to digester
AR
Delano, CA
$
800,000.00
O
$
25,000.00 $
-
$
-
$
-
$
775,000.00 $
$
775,000.00
1
02.032546.F
10/10/13
Structural damage to building
AR
Selma, CA
$
150,000.00
O
$
25,000.00 $
-
$
-
$
-
$
125,000.00 $
-
$
125,000.00
1
02.032557.F
12/05/13
Water Damage
AR
Selma, CA
$
47,000.00
O
$
25,000.00 $
-
$
-
$
-
$
22,000.00 $
-
$
22,000.00
1
02.032423.P
12/01/13
Vehicle Accident
VCL
Clovis, CA
$
40,000.00
O
$
10,000.00
$
-
$
30,000.00
35,000.00
O
$
10,000.00
$
-
$
25,000.00
O
$
$
-
$
-
$
-
$
-
$
30,000.00
-
$
-
$
-
31,222.13
1
02.032424.P
01/09/14
Vehicle Accident
VCL
Clovis, CA
$
1
02.032524.G
CSJVRMA: City of Taft
01/27/14
Vandalism
AR
Taft, CA
$
1
02.032714.Q
CSJVRMA: City of Tracy
02/14/14
Fire
AR
Tracy, CA
$
35,000.00
O
$
25,000.00
$
-
$
-
$
-
$
10,000.00
$
-
$
10,000.00
1
02.032764.Q
CSJVRMA: City of Porterville
02/19/14
Fire
AR
Porterville, CA
$
145,000.00
O
$
25,000.00
$
-
$
-
$
-
$
120,000.00
$
-
$
120,000.00
1
02.032859.Q
1
02.032936.P
25,000.00 $
-
$
-
$
$
-
25,000.00
$
- $
-
$
-
Solo vehicle accident
09/15/13
CSJVRMA/City of Angels
25,000.00
03/09/14
Solo vehicle accident
VCL
San Joaquin County, CA
$
10,500.00
O
$
10,000.00 $
-
$
-
$
-
$
500.00 $
-
$
500.00
VCL
Angels Camp. CA
$
40,000.00
O
$
10,000.00 $
-
$
-
$
-
$
30,000.00 $
-
$
30,000.00
Totals
$
$
1,173,395.95
1,383,395.95
$
210,000.00
$
-
$
-
$
35,895.95
$
1,137,500.00
$
-
74
June 2014
CHANDLER ASSET MANAGEMENT
BOND MARKET REVIEW
A MONTHLY REVIEW OF
FIXED INCOME MARKETS
Market Summary
The economy is growing at a modest pace. According to the latest Beige Book report, which was
prepared in advance of the upcoming June Federal Open Market Committee (FOMC) meeting, all
12 Federal Reserve Districts reported an expansion in economic activity during April and May.
The May employment report was in line with expectations, as nonfarm payrolls grew by 217,000
versus expectations of 213,000. Over the past three months, payrolls have grown by an average of
234,000 per month. The unemployment rate was unchanged in May at 6.3%, which was a little
better than expected. Meanwhile, the manufacturing sector has been showing strength and
consumer data has also been favorable. Housing data remains somewhat mixed, as firm pricing
and higher mortgage rates seem to be curtailing sales volume. Overall, economic activity
rebounded from the weather-related slowdown in the winter.
We believe the Federal Reserve (the Fed) will leave policy rates unchanged and announce another
$10 billion reduction in asset purchases (to a level of $35 billion from $45 billion) at the upcoming
June 17-18 FOMC meeting. We expect the process of unwinding quantitative easing will continue
at a steady pace this year. The Fed will host a post-meeting press conference and is expected to
update its economic projections.
WHAT’S INSIDE
Market Summary . . . . . . . . . . . 1
Yield Curve
Current Yields
The yield on the two-year Treasury note edged down further in May, likely driven by an ongoing
flight to quality. We believe this has offset the upward pressure on rates driven by the unwinding
of quantitative easing along with the anticipation of a potential fed funds rate hike next year.
THE YIELD CURVE FLATTENED IN MAY
4.00%
Source: Bloomberg
3.00%
Economic Round-Up . . . . . . . 2
Credit Spreads
Economic Indicators
2.00%
1.00%
Since 1988, Chandler Asset
Management has specialized
in the management of fixed
income portfolios. Chandler's
mission is to provide fully
customizable, client-centered
portfolio management that
preserves principal, manages
risk and generates income in
our clients’ portfolios.
MAY 13
APR 14
MAY 14
-Y
R
-Y
R
30
10
7YR
5YR
3YR
2YR
S
6M
O
S
0.00%
3M
O
Registration of . . . . . . . . . . . . 3
Municipal Advisors:
Reinforcing Fiduciary
Standards
During the past three months, the yield curve has flattened even as the Fed has been tapering its
purchases of long-term Treasury bonds. Market participants have reacted to mixed domestic economic data, as well as fears of euro zone deflation, geopolitical tensions, and volatility in emerging markets over the past several months. These concerns have fueled a flight to quality, putting
downward pressure on longer yields.
TREASURY YIELDS
5/31/2014
4/30/2014
CHANGE
3 Month
0.03
0.03
0.00
2 Year
0.38
0.41
(0.03)
3 Year
0.77
0.85
(0.08)
5 Year
1.54
1.68
(0.14)
7 Year
2.06
2.23
(0.17)
10 Year
2.48
2.65
(0.17)
30 Year
3.33
3.46
(0.13)
Source: Bloomberg
75
Economic Roundup
Consumer Prices
In April, overall CPI inflation increased to 2.0% on a year-over-year basis from 1.5% in March. The year-over-year Core CPI (CPI less
food and energy) also increased slightly to 1.8% in April from 1.7% in March. The core inflation rate is still trending below the Fed’s
long-term goal of 2.0%.
Retail Sales
In April, Retail Sales rose 4.0% on a year-over-year basis versus a gain of 4.1% in March. On a month-over-month basis, Retail Sales
edged up just 0.1% in April versus a gain of 1.5% in March. Overall, Retail Sales were somewhat softer than expected in April, but the
trend has improved since the winter months.
Labor Market
The May employment report was in line with expectations as payrolls rose by 217,000 versus the 213,000 consensus estimate. Net
revisions for job growth in April and March were -6,000. Private payrolls increased by 216,000 in May and government jobs increased by
1,000. The unemployment rate remained steady at 6.3% and the participation rate was unchanged at 62.8%.
Housing Starts
Single-family housing starts rose just 0.8% in April after rising 9.3% in March. Overall, housing starts rose 13.2% in April, but the gain
was largely driven by the multifamily component.
Credit Spreads Tightened Slightly
Spread to
Treasuries (%)
One Month Ago (%)
Change
3-month top-rated commercial paper
0.10
0.11
(0.01)
2-year A corporate note
0.43
0.43
0.00
5-year A corporate note
0.45
0.44
0.01
5-year Agency note
0.09
0.07
0.02
CREDIT SPREADS
Source: Bloomberg
Data as of 5/31/2014
Economic Data Is Indicative of Modest Growth
ECONOMIC INDICATOR
Current Release
Prior Release
One Year Ago
Trade Balance
(47.2) $Bln APR 14
(44.2) $Bln MAR 14
(40.4) $Bln APR 13
(1.0)% MAR 14
2.6% DEC 13
1.1% MAR 13
Unemployment Rate
6.3% MAY 14
6.3% APR 14
7.5% MAY 13
Prime Rate
3.25% MAY 14
3.25% APR 14
3.25% MAY 13
CRB Index
305.48 MAY 14
309.53 APR 14
281.85 MAY 13
Oil (West Texas Int.)
$102.71 MAY 14
$99.74 APR 14
$91.97 MAY 13
Consumer Price Index (y/o/y)
2.0% APR 14
1.5% MAR 14
1.1% APR 13
Producer Price Index (y/o/y)
3.1% APR 14
1.7% MAR 14
0.5% APR 13
Dollar/EURO
1.36 MAY 14
1.39 APR 14
1.30 MAY 13
GDP
Source: Bloomberg
© 2014 Chandler Asset Management, Inc, An Independent Registered Investment Adviser. The information contained herein was obtained from sources we believe to be
reliable, but we do not guarantee its accuracy. Opinions and forecasts regarding industries, companies, and/or the economy are all subject to change at any time, based
on market and other conditions, and should not be construed as a recommendation.
CHANDLER ASSET MANAGEMENT  6225 Lusk Blvd  San Diego, CA 92121  800 317 4747  www.chandlerasset.com
76 2
Page
CHANDLER ASSET MANAGEMENT
Registration of Municipal Advisors:
Reinforcing Fiduciary Standards
Five years after the enactment of the Dodd-Frank Wall
Street Reform and Consumer Protection Act
(Dodd-Frank), lawmakers and regulators continue to
deliver piecemeal financial reform. One area of focus for
the Securities Exchange Commission (SEC) is the municipal securities market, which historically had been subject
to lower oversight compared to other areas of the financial system. Though much smaller
decades ago, municipal securities
have grown into a multi-trillion
dollar market. During this time, the
municipal securities market created a
great deal of opportunity for market
participants, but not necessarily the
corresponding level of oversight.
making payments to local firms with connections to a
public agency’s commissioners to secure underwriting
and interest rate swap business; an institution selling
highly leveraged derivatives not suitable to school
districts without disclosing the risks of these investments;
and a national bank secretly rigging over fifty bond reinvestment transactions in relation to repurchase agreements and guaranteed investment
contracts. The Municipal Advisors
Rule was designed to prevent such
abuses in the municipal securities
markets by imposing a fiduciary
standard.
The Municipal Advisors
Rule was designed to
prevent abuses in the
municipal securities
markets by imposing a
fiduciary standard.
On January 13, 2014, a new rule
went into effect requiring “Municipal
Advisors” — a new class of market
participants created by Dodd-Frank — to register with
the SEC and comply with the regulations set forth by the
Municipal Securities Rulemaking Board (MSRB). Furthermore, this rule also imposes a fiduciary responsibility on
Municipal Advisors, requiring them to put the interests of
their clients before their own. While the rule formally
went into effect earlier this year, the filing requirement
for those affected begins on July 1, 2014.
While it would seem obvious that those providing investment advice to their clients be held accountable as fiduciaries, that was not always the case. The financial crisis in
2008 revealed a variety of questionable and unethical practices ranging
from failure to provide adequate
information for client decisionmaking to investments in complex
derivatives to more blatant abuses,
such as “pay to play”, undisclosed
conflicts of interest and bid-rigging
schemes. In releasing its enforcement results for the 2013 fiscal year,
which resulted in $3.4 billion in sanctions overall, the SEC noted that the
municipal securities market has been an area of heightened scrutiny.
When it was first proposed, there
was a great deal of concern regarding
the rule’s potentially broad interpretation, especially since municipal advisory activities can encompass a
wide range of services beyond debt issuance. Taking into
consideration the hundreds of comment letters submitted, lawmakers clarified several areas of the rule — most
importantly who is a “Municipal Advisor.”
According to amendments to the Securities Act, a
Municipal Advisor is “a person (who is not a municipal
entity or an employee of a municipal entity) that (1)
provides advice to or on behalf of a municipal entity or
obligated person with respect to municipal financial
products or the issuance of municipal securities, including advice with respect to the structure, timing, terms and
other similar matters concerning
such financial products or issues or
(2) undertakes the solicitation of a
municipal entity.”
The rule gives municipal
entities confidence in
knowing that their
service providers are
truly accountable to
them.
There have been numerous examples of impropriety in
which service providers did not act in their clients’ interests, resulting in significant fines and sanctions. Some of
the actions pursued by the SEC included: a broker/dealer
Along with excluding municipal
employees and officials acting within
the scope of their responsibilities,
the rule also excludes certain market
participants, such as investment
advisers registered under the
Investment Advisers Act of 1940,
commodity trading advisers registered under the
Commodity Exchange Act, both of which are registered
with regulatory bodies and have to abide by a fiduciary
standard. Also, excluded are broker/dealers serving as
underwriters (as defined in Section 2(a)(11) of the
Securities Act of 1933), and non-financial professionals,
such as attorneys and engineers offering advice related to
77 3
Page
Registration of Municipal Advisors: Reinforcing Fiduciary Standards (CONTINUED)
their respective professions. Based on the exclusion of
these groups, it is apparent the rule is intended to ensure
that no one exceeds the scope of their professional
capacity by providing unauthorized advice to clients.
There are two additional exemptions from this rule worth
noting, the “RFP Exemption” and the “Independent
Registered Municipal Advisor Exemption.” Under the
RFP Exemption, market participants can provide investment advice in response to a Request for Proposal (RFP)
issued by a municipality (or the municipality’s registered
municipal advisor), provided the RFP process is conducted on a competitive basis and meets certain criteria. The
Independent Registered Municipal Advisor Exemption,
on the other hand, permits a market participant to
provide advice without violating the rule, so long as the
municipal client has engaged an independent registered
municipal advisor that meets certain requirements
(e.g. the independent registered municipal advisor has not
been associated with the market
participant seeking to use the exemption for the past two years), along
with written acknowledgment from
the municipal client indicating that
they will rely on their independent
registered municipal advisor for
advice.
While the Municipal Advisors Rule does create additional
burdens for market participants, we at Chandler believe
in the importance of fiduciary standards as a matter of
ensuring integrity in the financial system. The rule gives
municipal entities confidence in knowing that their
service providers are truly accountable to them. Though
lawmakers continue to address other areas of the municipal securities market, as well as the overall financial
system, we believe this rule is a positive step forward. In
the meantime, we will continue to follow this rule and
other regulations relevant to our industry as they emerge.
- Daniel Baig
Marketing & Communications Manager
As a registered
investment adviser, we
have a fiduciary
responsibility to our
clients to put their
interests first.
While the rule and existing SEC
guidance go into much further depth
beyond the scope of this article, the
intent of lawmakers is to put service providers on notice
that any unauthorized investment advice with regards to
certain funds will not be tolerated. To be clear the rule
was not intended to inhibit the market for municipal
underwriting, but rather to ensure that those engaged in
such undertaking have a fiduciary duty to act in their
clients’ best interests, as well as to provide additional
transparency through registration and strengthen regulatory oversight of the municipal securities market. While
the SEC has come out with guidance regarding this new
rule, we believe the SEC’s actions in enforcing this rule
ultimately determine whether the intended transparency
and protections are actually created.
RISKS AND OTHER IMPORTANT CONSIDERATIONS
This report is provided for informational purposes only and should not be construed as specific investment or legal advice. The information contained herein was
obtained from sources believed to be reliable as of the date of publication, but may become outdated or superseded at any time without notice. Any opinions or views
expressed are based on current market conditions and are subject to change. This report may contain forecasts and forward-looking statements which are inherently
limited and should not be relied upon as an indicator of future results. Past performance is not indicative of future results. This report is not intended to constitute an
offer, solicitation, recommendation or advice regarding any securities or investment strategy and should not be regarded by recipients as a substitute for the exercise of
their own judgment.
Fixed income investments are subject to interest, credit, and market risk. Interest rate risk: the value of fixed income investments will decline as interest rates rise. Credit risk: the possibility that the borrower may not be able to repay interest and principal. Low rated bonds generally have to pay higher interest rates to attract investors
willing to take on greater risk. Market risk: the bond market in general could decline due to economic conditions, especially during periods of rising interest rates.
78 4
Page
CSJVRMA
June 26, 2014
REPORTS/PRESENTATIONS
SUBJECT:
2013/14 Update on Safety and Risk Control Services
2014/15 Strategic Safety and Risk Control Plan
Attached is a summary report regarding the risk control services that have been provided to the
members during the 2013/14 fiscal year. Members have received services based on needs
identified from the self-assessment checklist and also from numerous member requests. Member
feedback has been positive.
The 2013/14 Strategic Safety and Risk Control Plan included the following services:











On-Site Consultation upon Request
Self-Assessment Follow-up
Auto and Fleet Liability Focus
Emerging Regulatory Education
Cal/OSHA Emphasis Program Assistance
Regional Training
Webinars
Blogs
GoToMeeting/Telephone Support
Streaming Videos
Transfer of Risk Contract Review
Also attached is information detailing the proposed services to be provided for the 2014/15
program year. The proposed services include:









On-Site Consultation Upon Request
Targeted Assessments
Driving Special Emphasis Program
Police Special Emphasis Program
Regional Trainings – Public Works Forums, Police Forums, and Safety and Risk Control
Workshops
Webinars
Remote Consultation via GoToMeeting/Telephone Support
Blogs and Other Website Resources
Agenda Item 6.A.1-6.A.2, Page 1
79
CSJVRMA
June 26, 2014
RECOMMENDATION:
Staff recommends approval of the 2014/15 Strategic Safety and Risk Control Plan.


Agenda Item 6.A.1-6.A.2, Page 2
80
Safety and Risk Control Services – 2013/14
Summary Report
Entity
Activity
Angels Camp, City of
Completed
Hearing Conservation
Completed
Phone & E-mail Consultation
Review CSJVRMA website
In Progress
Training
Auto, Fleet and Driver Risk
Classroom Driver Safety Training
Completed
Training
Safety Committee
Arvin, City of
Completed
Assessment
Parks and Recreation
Playground Inspections - DiGiorgio, Kovacevich and Smothermon Parks
Completed
Regional Training
Aerial & Fork Lifts
Regional Train-the-Trainer Class Tehachapi, Wasco & Arvin
Completed
Regional Training
Reasonable Suspicion Drug Testing
Completed
Regional Training
Hazard Communication
GHS
Completed
Regional Training
CPR, AED, First Aid, BBP
Completed
Regional Training
Trenching and Excavation Safety Awareness
Completed
Regional Training
Police Department Operations
Officer Involved Shooting
Completed
Regional Training
Officer Involved Shootings
Completed
Regional Training
Strategic Planning
Completed
Regional Training
Sidewalks
Completed
Regional Training
Traffic Control & Flagging
Completed
Regional Training
Trenching and Excavation
Completed
Regional Training
Urban Forest Management
Tree Care Safety
81
Summary Report
Page 2
Entity
Completed
Completed
Activity
Regional Training
Workplace Violence
Threat Assessment Teams
Review CSJVRMA website
Clovis, City of
Completed
Assessment
IIPP
Completed
Office Environment
Completed
Review Streaming Video
Corcoran, City of
Completed
Training
Aerial & Fork Lifts
Forklift Train the Trainer
Escalon, City of
Completed
ADA
BBQ Height
Exeter, City of
Completed
Assessment
Ergonomics
Ergonomic Evaluations
Hughson, City of
Completed
WWTP Operator Immunization
Kingsburg, City of
Completed
Assessment
City Wide
In Progress
Training
Safety Committee
Lathrop, City of
Completed
Assessment
Ergonomics
Lindsay, City of
Completed
Physical Inspection
Fitness Area
Livingston, City of
Completed
Training
Parks and Playgrounds
82
Summary Report
Page 3
Entity
Activity
Los Banos, City of
Completed
Assessment
Review risk management assessment
Completed
Water Day
Madera, City of
Completed
Safety Committee
Liability Claims, Safety Awards
Completed
Streaming Video
Completed
Training
Safety Committee
Micro breaks and Stretching
Completed
Training
Safety Committee
Merced, City of
Completed
Training
Completed
Training
New Streaming Video Service
Reedley, City of
Completed
Lifeguard Certification
Completed
Training
GHS
Ripon, City of
Completed
Review CSJVRMA website - streaming videos and webinars
Completed
Training
Review RMA website
Completed
Training
Review RMA website
Riverbank, City of
In Progress
Program Development
In Progress
Training
In Progress
Training
Safety Committee
83
Summary Report
Page 4
Entity
In Progress
Activity
Training
IIPP
Shafter, City of
Completed
ADA
TTD and TTY Training
Completed
Playground Safety Training
Completed
Playground Safety Training
Completed
Training
Streaming Video
Sonora, City of
Completed
Training
Streaming Video
Tehachapi, City of
Completed
Training
Aerial & Fork Lifts
Completed
Training
Behind the Wheel Coaching
Turlock, City of
In Progress
Completed
Shoeing horses for carriage ride work
Waterford, City of
Completed
Physical Inspection
Playground Inspection
84
CSJVRMA
STRATEGIC SAFETY AND RISK CONTROL PLAN
FOR THE 2014/15 PROGRAM YEAR
On-Site Consultation upon Request
On-site consultation will continue to be offered at member’s request. It is the most utilized risk
control service, as it allows us to respond to immediate needs and provide hands-on assistance.
It has also been especially helpful to those members that have had fewer internal safety resources
as a result of budget cuts. Each of the visits is customized to the member’s needs, and some of
the most requested topics include:














Aerial Lift Training
Aerosol Transmissible Diseases
Blood borne Pathogen Exposures
Cal/OSHA Injury and Illness Record Keeping
Citywide Risk Assessment
Driver Safety Training
Ergonomic Evaluations and Training
Forklift Training
Heat Illness Prevention
Injury and Illness Prevention Training
Playground Inspection
Police Department Assessment
Safety Committee Training
Targeted Assessments
For 2014-2015 there will be a special emphasis on controlling exposures relating to both driving
and police. Targeted assessments will be conducted based on a loss analysis. A report will be
provided to the membership on member performance.
In addition to conducting site visits to member cities, we will use GoToMeetings in place of
some in-person meetings, which allows more members to get assistance more efficiently.
Driving Special Emphasis Program
Background
In reviewing services to be provided for the upcoming year, risk control staff is focusing services
on driving claims. Driving claims continue to be a major area of concern from a frequency and
severity perspective.
To have pool members accountable for these loss areas, it is important to educate the city leaders
on how the losses impact their city and the pooled programs.
Plan

Provide regional training to educate leaders and members about losses and expectations
85
Strategic Safety and Risk Control Plan
for the 2014/15 Program Year
Page 2











Establish more member accountability by reporting on member participation in all areas
of this special emphasis program
Research and then evaluate the possibility of a pilot program to test driver recording
devices in certain types of vehicles such as refuse trucks
Provide targeted driver training such as classroom and behind the wheel for certain job
classifications (e.g. refuse drivers, patrol driving)
Deliver a driver safety webinar
Provide regional commercial vehicle safety training
Provide POST driver safety for police
Provide targeted Department of Transportation (DOT) supervisor drug and alcohol
training
Develop and implement a guideline for a drug and alcohol program
Create a policy/guidance for city personnel reviewing vehicle records including a
guideline for disciplinary actions
Establish a driving emphasis area on the Bickmore risk control website
Promote participation in an Employer Pull Notice Program (EPN) Program
Police Special Emphasis Program
Background
Police claims continue to be a major area of concern from a frequency and severity perspective.
A special emphasis program has been developed for loss areas related to police such as use of
force, driving, and officer safety to favorably impact the losses.
Evaluate the possibility of establishing a police ad-hoc risk management committee to identify
police specific needs such as audiovisual recording devices (e.g., body cameras.), duty vests as
alternatives to duty belts, and incentives for implementation.
Plan





Provide regional training to educate leaders and members about the impact an
organization’s culture has on losses. Offer continued regional training with targeted
subjects such as POST driver safety, use of force, and assessing police performance.
Certify some of the regional trainings with POST
Conduct survey to identify police specific needs in loss areas such as:
1. Best Practices to Reduce Injuries Related to Suspect Altercations
2. Best Practices for Vehicle Ergonomics
3. Training Exercise Injury Prevention
4. Personal Fitness Injury Prevention
5. Defensive Driver/Seat Belt Use Best Practices
6. Duty Belt Alternatives
7. Slip/Trip/Fall Prevention
8. Best Practices to Reduce Injuries Related to Sleep Deprivation
9. Return-to-Work Best Practices for Police Departments
Establish more member accountability by reviewing options on reporting on member
participation in all areas
Create additional networking with other agencies outside the CSJVRMA
86
Page 3


Upon request provide assistance to members for Cal/OSHA and workers’ compensation
exposures
Establish a police emphasis area on Bickmore risk control website
Regional Trainings
The following regional trainings will be provided to address key loss drivers and fulfill member
requests.
Public Works Forums
 Tree Trimming Safety*
 Commercial Vehicle Safety*
 Traffic Control and Flagging
Police Forums
 The Impact an Organization’s Culture has on Losses
 Ergonomics for Police*
 POST Driver Safety*
 Liability Risks – including Use of Force, Vehicle Pursuits, and Canines
Safety and Risk Control Workshops
 Reasonable Suspicion Drug and Alcohol Testing
 Slip/Trip/Fall with a Focus on Sidewalks and the ADA*
 Driver Safety Training including Inattentive Driving*
 Reducing Training Injuries in Public Safety*
 Wellness and Fitness Programs
 NFPA 70E and Arc Flash
 Transfer of Risk
* Significant Loss Area
Webinars
Webinars will continue to address items that are important to the members. Other webinars may
be provided based on regulatory changes and member needs. Members are invited to attend all
Bickmore webinars. Webinars are conducted live and recorded for future viewing.
Upcoming webinars:
 Aerial Lift Safety, July
 Lockout/Tagout, August
 Confined Space, September
 Forklift Safety, October
 Other webinar topics TBD
87
Page 4
Blogs
Regular blogs will be provided on the risk control website of important safety and risk
management news and information for the members.
GoToMeeting/Telephone Support
Remote consultation will continue to be provided to members.
Website Resources
Members have access to over 300 online streaming videos, archived webinars, sample programs,
development guides, and safety publications.
Contracts will continue to be reviewed for effective transfer of risk language.
88
CSJVRMA
June 26, 2014
WORKERS’ COMPENSATION PROGRAM
SUBJECT:
In compliance with the goal of the CSJVRMA to “Address the severity of claims and what
members might do to mitigate the severity of the claims,” enclosed is a written claims status
report prepared by Acclamation Insurance Management Services (AIMS). Representatives from
AIMS will be in attendance at the meeting to review the report and answer questions.
RECOMMENDATION:
None

Claims Status Report for May 2014
Agenda Item 7.A.1.
89
MEMORANDUM
To:
From:
Date:
Subject:
CENTRAL SAN JOAQUIN VALLEY RISK MGMT AUTHORITY
Marileigh Vietheer, Data Delivery Services Analyst
06/07/2014
WORKERS’ COMPENSATION REPORT FOR MAY 2014
CLAIMS ACTIVITY
OPEN CLAIMS
2013
2014
% Change
Medical Only
38
40
+05%
Indemnity
22
21
-05%
Total Claims
60
61
+02%
Medical Only
30
49
+63%
Indemnity
24
32
+33%
Total Closures
54
81
+50%
Closing Ratio (%)
90%
133%
Closing Ratio (YTD %) 96%
114%
CLOSED CLAIMS
BILL REVIEW SAVINGS:
(05/01/2014-05/31/2014)
Total Charges
Review Reductions
Legal/Other Bills
PPO Reductions
HS/Negotiated Reductions
Total Payments
$2,190,617.37
$ 283,214.00
$
3,311.28
$
7,926.89
$1,637,504.36
$ 258,660.84
OMFS Fees
PPO Fees
HS/Negotiated Fees
Total Fee’s
$
$
$
$
7,470.65
1,584.93
56,836.44
65,892.02
Total Number of Bills Reviewed 1,191
Percent of Savings
88%
Net Savings
85%
90
CSJVRMA
June 26, 2014
SUBJECT:
Report by Tammy Vitali, Workers’ Compensation Program Manager
Enclosed is the Workers’ Compensation Program Manager’s Report dated June 2, 2014,
prepared by Ms. Tammy Vitali. This report references the oversight review conducted in
February, March, and April 2014 of services provided by AIMS. This report was provided to
AIMS prior to the meeting for review. Ms. Vitali will be present at the Executive Committee
meeting to discuss the report with the Committee and answer questions.
For the detailed written reports regarding new indemnity claims reported, a review of claims
reported a year prior that remain open, and a review of a few claims randomly chosen for the
months of February, March, and April 2014, please visit the Members Only section of the
CSJVRMA website.
RECOMMENDATION:
None

Report by Workers’ Compensation Program Manager dated June 2, 2014
Agenda Item 7.A.2.
91
1750 Creekside Oaks Drive, Suite 200  Sacramento, CA 95833
(916) 244-1100  (800) 541-4591
Fax (916) 244-1199  E-Mail jworkman@bickmore.net
Northern Region
Angels Camp
Atwater
Ceres
Escalon
Gustine
Hughson
Lathrop
Livingston
Newman
Oakdale
Patterson
Ripon
Riverbank
Sonora
Sutter Creek
Tracy
Turlock
Waterford
Central Region
Chowchilla
Clovis
Dinuba
Dos Palos
Firebaugh
Fowler
Huron
Kerman
Kingsburg
Los Banos
Madera
Mendota
Merced
Orange Cove
Parlier
Reedley
San Joaquin
Sanger
Selma
WORKERS’ COMPENSATION PROGRAM MANAGER’S REPORT
June 2, 2014
BACKGROUND AND STATUS
Staff performs regular reviews of the workers’ compensation claims handled by Acclamation Insurance
Management Services (AIMS). This report references the oversight review conducted in February,
March, and April 2014. A total of 20 indemnity files were selected randomly for each review conducted
and measured against six criteria. The categories measured involve Plan of Action Implementation,
Supervisory Reviews, Reserve Accuracy, Excess Reporting, Timely Diary Reviews, and Subrogation.
The target for each review is an overall average score of 75%.
For each review, the work product for the previous 12 months is evaluated. Listed below is the average
of each measurable category for all claims reviewed. It should be noted that the prior 12-month periods
include the work product of some examiners who are no longer with AIMS.
The detailed report for each month will be posted on the CSJVRMA’s website. The results of this
review demonstrate that AIMS requires improvement.
CSJVRMA Workers' Compensation File Reviews
Southern Region
Arvin
Avenal
Corcoran
Delano
Exeter
Farmersville
Lemoore
Lindsay
Maricopa
McFarland
Porterville
Shafter
Taft
Tehachapi
Tulare
Wasco
Woodlake
Feb.
2014
Mar.
2014
Apr.
2014
Diary
Review
Timely
Reserve
Excess
in
Accuracy Reporting
Previous
12
Months
Subrogation
Overall
Score
based on
average of
each claim
reviewed
22%
N/A
48%
100%
25%
N/A
62%
50%
45%
N/A
61%
Current Plan of
Action and
Implementatio
n
Supervisor
y Review
72%
44%
56%
33%
90%
45%
85%
65%
65%
75%
92
Workers’ Compensation Program Manager’s Report
June 2, 2014
Page 2
SUMMARY OF RESULTS
1. Strengths Noted
It is important in completing an oversight analysis to recognize those areas that show improvement,
success, and benefit to the program.
As shown on the prior page, the excess reporting category achieved 100% compliance in March
2014. It should be noted that the overall score average for the reviews included in this report
improved from 57% to the 41% overall score average reported in the March 2014 report.
2. Opportunities for Improvement
Two major categories rated significantly below the 75% target:


“Supervisory Review:” This category is to determine whether the files are being reviewed in a
timely manner to regularly review the work product of the claims staff. The majority of the
deficiencies were caused by the lack of supervisory reviews within the last 12 months.
“Diary Reviews Timely:” This category references regular diary reviews every 45 days on
active claims and every six months on claims that remain open to monitor future medical care
per the contract requirement. These reviews demonstrated a need for improvement for both
periods due to a lack of timely diary reviews.
The Performance Standards should be reviewed by AIMS examiners to ensure claims are reviewed
within the contract requirements.
OVERVIEW
This review and analysis indicates that AIMS administers the CSJVRMA workers’ compensation
claims appropriately and within contract requirements for some claims. The areas included under
“Opportunities for Improvement” above should remain a specific focus by AIMS. The measurement
categories are reflecting AIMS’ performance, and all categories will continue to be measured and
evaluated. The oversight reviews are conducted monthly. Please contact Tammy Vitali, Workers’
Compensation Program Manager, if there are any specific files you would like reviewed. Ms. Vitali can
be reached at (800) 541-4591, extension 1114 or tvitali@bickmore.net.
93
CSJVRMA
June 26, 2014
SUBJECT:
Attachment Point
Effective with program year 1991/92, the CSJVRMA established a Workers’ Compensation
Program Aggregate Pool. The Aggregate Pool was originally funded by revenue bonds and later
reaped a financial gain from the arbitrage from those revenue bonds. The Aggregate Pool was
established to set a level beyond which no further losses of a program year may be charged to the
member city's deposit premium (i.e. if a city’s claims cost plus the claims cost the city is liable
for in the pooled layers reaches the aggregate attachment point, the aggregate pool picks up the
cost in excess of the aggregate attachment point).
The aggregate attachment points were initially set by the actuary, but have been adjusted from
time to time as deemed necessary. The most recent year’s aggregate attachment points were
based on multiples of each member’s respective deposit premium, with the current attachment
point set at 1 ½ times the deposit premium.
From program year 2003/04 through 2006/07, the Contingency Fund covered the costs of the
aggregate losses. The Contingency Fund was financed by combining the balance of assets held in
the Workers’ Compensation Mid-Layer and Aggregate Pools as of December 31, 2003. The
Contingency Fund experienced a deficit as of June 30, 2007, and prompted a change effective
with the 2007/08 program year to re-allocate losses paid by the Aggregate Pool to all members as
an expense in the retrospective adjustment process. Table 1 is an illustration of the aggregate
coverage and the sources of funding for covered claim costs:
How Funded
Deposit
Premium
Direct
Losses
Within the
Member
SIR
Shared
Losses
A
B
C
25,000
10,000
20,000
Distributed
Losses
Total Losses
Charged to
Member
Losses Paid
by
Aggregate
D=B+C
E=Max A or D
F=D-E
30,000
25,000
5,000
Program
Years
2003/04 to
2006/07
Program
Years
2007/08 to
Present
Contingency
Fund
through
6/30/12
Allocated
to All
Members
through
Retro
Allocated to
All
Members
through
Retro for
Losses Over
2012
Balance
Agenda Item 7.B. Page 1
94
CSJVRMA
June 26, 2014
In addition, the total amount of aggregate losses paid as of June 30, 2012, was fixed and any
amounts paid in subsequent fiscal years above the 2012 amounts are being allocated back to all
members through the retrospective adjustment process. This allocation was effective with the
June 30, 2013, retrospective adjustment calculation. As a result, the Contingency Fund no longer
covers aggregate losses. Because the aggregate losses are all allocated through the retrospective
adjustment process and these amounts are not known until the calculations are complete, it has
become difficult to predict the amount of losses allocated to individual members and as a result
has made it difficult for members to budget for any retrospective assessments.
This increased variability prompted staff to conduct an analysis of the Aggregate Pool, and as a
result staff is recommending the current Aggregate Pool attachment points increase to 2 times a
member’s deposit premium effective July 1, 2014. This would result in more losses being
charged directly to the member and lessen the amount of aggregate losses being shared by all
members. While the concept of pooling is to share in each other’s losses, making a member
responsible for a larger portion of their own losses lends to encouraging better loss control
measures to be in place and members take a more active role in controlling claims costs.
Enclosed is a comparison of the Aggregate Pool at the current attachment point of 1 ½ times a
member’s deposit premium and at an attachment point of 2 times a member’s deposit premium.
Staff will discuss the comparison in detail with the Committee and answer any questions.
RECOMMENDATION:
Staff recommends the Executive Committee approve increasing the Pooled Workers’
Compensation Program Aggregate Pool attachment point to 2 times each member’s deposit
premium effective July 1, 2014.

Comparison of Pooled Workers’ Compensation Program Aggregate Pool Losses at 1 ½
times a member’s deposit premium and 2 times a member’s deposit premium
95
Workers Compensation Aggregate Pool
Evaluation of Aggregate Stop Loss ~ Currently 1.5 x Deposit Premium
Members
ANGELS CAMP
ARVIN
ATWATER
AVENAL
CERES
CHOWCHILLA
CORCORAN
DELANO
DINUBA
DOS PALOS
ESCALON
EXETER
FARMERSVILLE
FIREBAUGH
FOWLER
GUSTINE
HANFORD
HUGHSON
HURON
KERMAN
KINGSBURG
LATHROP
LEMOORE
LINDSAY
LIVINGSTON
LOS BANOS
MADERA
MARICOPA
MC FARLAND
MENDOTA
NEWMAN
OAKDALE
ORANGE COVE
PARLIER
PATTERSON
PORTERVILLE
REEDLEY
RIPON
RIVERBANK
SAN JOAQUIN
SANGER
SELMA
SHAFTER
SONORA
SUTTER CREEK
TAFT
TEHACHAPI
TRACY
TULARE
WASCO
WATERFORD
WOODLAKE
Agg Pool
216
218
654
118
1,214
379
280
1,019
644
89
203
213
136
142
153
111
299
113
112
263
308
500
446
333
325
759
1,283
52
84
166
887
2,251
76
164
316
286
547
527
288
52
786
671
632
292
109
529
235
2,888
1,894
338
57
117
116,094 22,522
1.5x
113,843
-
06/07
Retro Retro Refund/
Agg Refund/
(Due)
(Due)
2.0x Pool
803
1,918
(1,059) 63
8,126
11,496
(575) 34
(1,076) 5,179
7,388
9,340
(1,362) 81
(109,150)
(559) (159) 3,162
329
786
755
1,803
(1,216) (116)
(34) 666
526
1,257
567
1,354
412
984
(305) 1,235
420
1,002
415
992
(65) 1,292
(1,497) 89
(2,432) 145
(110) 2,188
(1,621) 97
(1,579) 94
29,827
33,740
37,556
44,172
(252) 15
312
746
(810) 48
(10,220) (5,645)
(42) (1,900)
609
1,454
(1,539) 92
(293) 1,183
(135) 2,685
(130) 2,584
(1,401) 84
192
459
9,634
13,686
(166) 3,293
(156) 3,101
(1,422) 85
403
963
1,305
4,033
870
2,079
44,747
59,634
(78,268) (68,507)
(84) 1,660
211
504
(567) 34
36,274 ‐
‐
36,274
Agg Pool
1.5x
1,989
3,001
2,054
6,948
1,060
13,312
3,685
2,744
10,993
7,050
930
2,129
2,028
1,485
1,639
1,592
1,152
41,794
2,762
1,127
1,153
2,722
3,048
4,665
4,604
3,466
3,410
8,159
12,369
493
773
1,619
8,758
718
1,624
3,485
188,603
2,985
5,436
5,220
2,932
493
7,579
6,930
6,729
2,940
1,150
4,986
2,765
32,855
19,769
3,117
615
1,149
233,397 233,397
07/08
Retro Refund/
(Due)
(5,601)
(63,065)
(68,248)
10,704
(31,142)
(45,137)
63,932
(33,277)
(45,176)
(8,922)
(26,002)
(33,227)
6,455
(26,343)
(9,736)
(30,180)
151,455
(6,775)
(14,800)
(83,982)
6,805
16,822
(10,191)
(39,092)
(5,838)
127,561
(286,938)
3,705
(10,787)
(2,240)
19,138
(21,811)
(31,164)
(6,232)
289,111
25,127
(67,982)
(9,016)
(2,016)
(5,323)
(50,307)
15,065
(68,351)
(17,789)
42,726
(45,409)
398,057
256,173
(23,398)
(1,778)
(3,901)
191,658
Retro Agg Refund/
(Due)
2.0x Pool
(3,612)
(64,012)
(61,300)
11,764
(17,830)
(41,452)
66,676
(22,284)
(38,126)
(7,992)
(23,873)
(31,199)
7,939
(24,704)
(8,143)
(29,029)
112,422
(5,648)
(13,647)
(81,260)
9,853
21,487
(5,587)
(35,626)
(2,428)
135,720
(274,569)
4,199
(10,013)
(622)
27,897
(21,093)
(29,540)
(2,748)
103,493
30,563
(62,762)
(6,083)
(1,522)
2,256
(43,376)
21,794
(65,410)
(16,639)
47,712
(42,644)
430,912
275,943
(20,281)
(1,163)
(2,752)
‐
‐
191,658
Agg Pool
1.5x
3,318
3,975
11,171
1,890
20,420
5,595
5,126
23,148
12,603
1,648
3,081
8,933
3,289
2,494
2,389
2,636
6,425
2,010
4,639
17,598
1,704
1,877
4,428
5,246
7,068
8,119
5,446
4,792
12,440
58,677
20,911
1,591
713
1,632
15,860
1,949
2,618
13,322
2,104
3,717
6,407
280,547
5,373
9,162
8,597
4,903
889
10,260
8,314
11,432
4,461
1,598
7,948
4,143
57,596
35,699
4,133
1,117
2,214
2,297
391,844 391,844
09/10
Equity Balance (Due)
(66,248)
(39,014)
(185,976)
(17,508)
(88,286)
31,718
(81,341)
(458,766)
(91,341)
(24,650)
(41,034)
(85,451)
(49,073)
(31,084)
(24,737)
(55,430)
90,779
(40,555)
(29,186)
(5,952)
(35,710)
(38,191)
(160,786)
(96,187)
(92,642)
(170,718)
(583,228)
(18,225)
(36,263)
(68,078)
(37,764)
(195,044)
(60,065)
(106,414)
(84,294)
375,997
(205,653)
15,206
(27,022)
(13,965)
(135,703)
(42,911)
(166,626)
(75,077)
(12,116)
(17,826)
(44,707)
168,354
(160,192)
25,119
(16,713)
(68,055)
(3,478,631)
Agg 2.0x Pool
‐
‐
(62,930)
(35,039)
(174,805)
(15,617)
(67,866)
37,313
(76,215)
(435,617)
(78,738)
(23,002)
(37,953)
(91,095)
(46,578)
(28,695)
(22,101)
(59,846)
95,418
(56,449)
(27,309)
(1,524)
(30,465)
(31,123)
(152,667)
(90,741)
(87,850)
(158,278)
(620,994)
(19,103)
(34,631)
(81,988)
(35,147)
(181,722)
(57,961)
(102,697)
(77,888)
100,824
(196,490)
23,803
(22,119)
(13,076)
(125,443)
(34,598)
(155,195)
(70,616)
(10,518)
(9,878)
(40,564)
225,950
(124,493)
29,252
(15,596)
(67,972)
(3,478,631)
Agg Pool
1.5x
2,153
2,993
8,389
2,321
14,946
2,917
3,873
16,262
7,653
1,237
1,956
2,415
1,778
1,913
1,874
1,357
272,922
3,491
1,153
1,051
3,449
3,499
4,208
5,453
4,736
3,762
9,134
16,803
469
1,981
1,669
1,904
8,406
2,248
2,739
4,309
3,887
6,626
5,301
3,650
660
7,725
5,598
8,438
3,278
922
5,911
3,131
37,493
20,326
2,953
879
1,642
272,922 272,922
10/11
(6,895)
(101,431)
(35,554)
(47,360)
(137,265)
34,419
(52,969)
(582,115)
(59,735)
(13,495)
(8,273)
(8,942)
(40,093)
(18,500)
(41,028)
(19,757)
374,462
(4,259)
(916)
(1,447)
(39,351)
56,124
12,109
(93,763)
(94,125)
(86,505)
(26,763)
(13,123)
(77,636)
(66,694)
(8,335)
(62,996)
(77,318)
(108,554)
(21,311)
117,125
(188,632)
44,884
(8,001)
(7,793)
(130,961)
(5,634)
(100,352)
(35,845)
9,481
(171,498)
(46,949)
399,256
(80,954)
(26,490)
(9,823)
(5,096)
(1,726,675)
Agg 2.0x Pool
‐
‐
(4,742)
(98,438)
(27,165)
(45,039)
(122,319)
37,336
(49,096)
(565,853)
(52,082)
(12,258)
(6,317)
(6,526)
(38,314)
(16,586)
(39,153)
(18,400)
105,031
(3,107)
134
2,002
(35,852)
60,331
17,562
(89,027)
(90,363)
(77,371)
(9,961)
(12,655)
(75,654)
(65,025)
(6,431)
(54,590)
(75,070)
(105,815)
(17,002)
121,012
(182,007)
50,186
(4,351)
(7,133)
(123,236)
(36)
(91,914)
(32,567)
10,403
(165,586)
(43,818)
436,749
(60,628)
(23,537)
(8,943)
(3,454)
(1,726,675)
1.5x
Agg Pool
3,457
4,943
11,395
4,658
25,939
356,985
5,609
5,872
20,857
14,920
1,845
3,505
55,666
4,362
3,034
3,342
3,078
2,334
6,029
1,516
1,722
6,252
5,209
8,111
9,265
7,141
5,843
15,146
14,180
27,207
16,216
752
2,822
2,879
3,365
13,830
3,816
4,661
8,006
6,686
11,388
9,047
5,750
1,211
12,413
10,183
11,660
4,908
1,580
7,958
5,495
61,088
31,468
5,267
1,485
2,741
443,047 443,047
11/12
Equity Equity Balance Balance (Due)
(Due)
2.0x
Agg Pool
(65,390)
2,252
(64,185)
(57,765)
3,220
(56,042)
(184,044)
7,423
(180,072)
3,035
(79,787)
(81,411)
(480,900)
16,898
(471,859)
(172,968) 282,406
3,654
(245,593)
(1,045)
3,826
1,002
143,557
13,587
150,826
(127,442)
9,719
(122,241)
(10,410)
1,202
(9,767)
(26,249)
2,283
(25,027)
(145,722)
2,841
(199,867)
(43,613)
1,977
(42,555)
(32,500)
2,177
(31,336)
(42,974)
2,005
(41,902)
(25,118)
1,520
(24,304)
104,775
3,927
102,674
2,669
987
3,197
(12,403)
1,122
(11,803)
(34,226)
4,073
(32,047)
(12,605)
3,393
(10,790)
(55,970)
5,284
(53,143)
(158,727)
6,036
(155,497)
(31,649)
4,652
(29,160)
(79,530)
3,807
(77,493)
(258,981)
9,867
(253,702)
(852,956)
17,724
(857,654)
(22,857)
6,216
490
(32,595)
(25,612)
1,839
(24,628)
(46,355)
1,875
(45,352)
(64,665)
2,192
(63,492)
(182,724)
9,010
(177,904)
(62,067)
2,486
(60,737)
(66,723)
3,036
(65,099)
(55,712)
5,215
(52,921)
120,805
4,355
123,135
(46,136)
7,419
(42,167)
(55,179)
5,894
(52,025)
(18,743)
3,746
(16,739)
789
(10,197)
(10,619)
(51,761)
8,086
(47,434)
(43,385)
6,634
(39,836)
4,295
7,596
8,359
23,252
3,197
24,963
(26,781)
1,029
(26,230)
77,903
5,184
80,677
(90,202)
3,580
(88,286)
(341,813)
39,796
(320,520)
(520,708)
20,500
(509,739)
10,393
3,431
12,229
(12,945)
967
(12,428)
(6,645)
1,786
(5,690)
(4,260,682) 288,621 288,621 (4,260,682)
96
CSJVRMA
June 26, 2014
SUBJECT:
Update Regarding CSAC-EIA Requiring CSJVRMA to Obtain Approval for
Each Established Carve Out Program
At the last Executive Committee meeting, the Committee received an update on AIMS’ progress
in establishing carve outs for the member cities, noting the City of Madera is in the process of
establishing a carve out. During the discussion it was noted that staff had contacted CSAC-EIA,
the entity which provides the excess workers’ compensation layer above the Local Agency
Workers’ Compensation Excess JPA (LAWCX) pool, to request sample contracts for carve out
services. In doing so, CSAC-EIA indicated they have a requirement that members must obtain
approval from CSAC-EIA’s Claims Review Committee (CRC) prior to implementing a carve out
program. Because CSJVRMA participates in CSAC-EIA’s excess coverage through its
membership in LAWCX, this would pertain to the CSJVRMA members. The CSAC-EIA CRC
will be reviewing proposed carve outs to ensure each carve out:






Maintains compliance with all CSAC-EIA program documents
Is cost neutral to the CSAC-EIA pool
States the purpose, structure, and specific qualitative and quantitative goals of the
program
Contains means for measuring results
Does not extend benefits beyond those required in the Labor Code
Contains a termination clause if results are detrimental to the CSAC-EIA pool
Once implemented, each city establishing a carve out program will be required to provide the
CSAC-EIA CRC an annual report documenting program progress and results.
Staff requested CSAC-EIA’s requirement to review the carve out programs be waived for the
CSJVRMA members, because as a member of LAWCX, CSJVRMA does not participate in
CSAC-EIA’s pooled layer. LAWCX attaches directly to the purchased excess coverage through
CSAC-EIA with a $5 million self-insured retention. CSAC-EIA responded they will not waive
the review requirement at this time, but may be willing to do so later after having reviewed a few
carve out programs. Therefore, at this time, each entity establishing a carve out program will be
required to submit the items noted on the attached application, and the carve out program will be
reviewed for approval. CSAC-EIA stated that to-date no entities have presented a proposed carve
out program to their CRC.
RECOMMENDATION:
None.

CSAC EIA Application for Review of Proposed Carve Out Program
Agenda Item 7.C.
97
CSAC EIA
APPLICATION FOR REVIEW OF PROPOSED CARVE OUT PROGRAM
The EIA supports member efforts to reduce costs and improve satisfaction with the
overall workers’ compensation system. The EIA recognizes that carve outs may be an
effective means for achieving these goals. In an effort to support member interest in
improving their workers’ compensation programs, while maintaining the integrity of EIA
programs, policies and procedures already in place, the Claims Review Committee
(CRC) will review proposed carve out programs in advance of implementation. The
CRC will specifically be looking to ensure that a proposed carve out:
 Maintains compliance with all EIA program documents
 Is cost neutral to the EIA pool
 States the purpose, the structure and the specific qualitative and quantitative
goals of the program
 Contains means for measuring results
 Does not extend benefits beyond those required in the Labor Code
 Contains a termination clause if results are detrimental to the EIA pool
Please submit a copy of the proposed carve out agreement along with a statement
outlining:





Specific issues your entity is trying to resolve with the proposed carve out
Expected results of the carve out, financial and non-financial
The manner in which the results will be measured
The means for compliance with EIA program documents and requirements
The process by which your entity will validate that results are cost neutral to the
EIA pool
Once a carve out program is implemented, the CRC will review results on an annual
basis. Submission of this application acknowledges that implementation of a carve out
program will require annual reports to the EIA documenting program progress and
results.
____________________________________
Name
__________________
Date
_____________________________________
Title
__________________
e-mail
_____________________________________
Name and address of entity
__________________
Phone
98
CSJVRMA
June 26, 2014
SUBJECT:
Review and Approval of Professional Services Agreement for Carve Out
Programs
As discussed at the last Executive Committee meeting, there are several contracts necessary
when implementing a carve out program. These contracts typically are for mediators, an
ombudsman, and medical providers. The contracts with the medical providers establish
expedited timelines to ensure the physicians will be held accountable for agreeing to and meeting
the deadlines. In exchange, the medical providers will be compensated above fee schedule.
Expediting timelines would assist in better claims management for both the injured workers and
the member cities.
Because AIMS will be working with CSJVRMA member cities to establish their carve out
program, AIMS recommended the contracts be approved by the CSJVRMA so all cities
implementing a carve out program can utilize the same contracts for the various services. Upon
this recommendation, staff contacted CSJVRMA Legal Counsel, Luther Lewis, who opined the
CSJVRMA could approve a contracts for mediators, an ombudsman, and medical providers for
the member cities to utilize in their carve out programs. Each city would continue to negotiate
separate agreements with their unions.
Because the City of Madera will not be utilizing an ombudsman but instead will be creating a
joint labor management team to handle the process, the ombudsman contract will not be
necessary at this time. The contract for the mediator will be brought back for approval at a future
meeting.
The medical provider contract is currently being reviewed and will be sent under separate cover
prior to the meeting. In order to expedite the medical provider contracts, staff is recommending
the Executive Committee authorize Lynn Cavalcanti from AIMS to sign the contracts on behalf
of the CSJVRMA.
RECOMMENDATION:
Staff recommends the Executive Committee approve the CSJVRMA Professional Services
Agreement and authorize Lynn Cavalcanti from AIMS to sign the agreements on behalf of the
CSJVRMA.
None
Agenda Item 7.D.
99
CSJVRMA
June 26, 2014
LIABILITY PROGRAM
SUBJECT:
In compliance with the goal of the CSJVRMA to “Address the severity of claims and what
members might do to mitigate the severity of the claims,” enclosed is a status report on closed
claims. Mr. Ken Wilkerson, Acclamation Insurance Management Services (AIMS), will be in
attendance to answer any questions.
RECOMMENDATION:
None

Liability Claims Status Report for May 2014
Agenda Item 8.A.1.
100
CSJVRMA MONTHLY LIABILITY CLAIM REPORT
To:
From:
Subject:
Date:
CSJVRMA Executive Board
Marileigh Vietheer, Data Delivery Services Analyst
CSJVRMA Monthly Liability Claim Report
June 1, 2014
The following information will provide each Board Member with a summary of the CSJVRMA Liability Claim Program.
The following statistical information was produced from data provided from our Claim Information System.
2014
Previous Month
April 2014
New Claims
Closed Claims
Variance
Closing Percentage
Current Month
May 2014
52
51
1
98.08%
2013
Current Month
April 2013
New Claims
Closed Claims
Variance
Closing Percentage
57
35
22
61.40%
Current Month
May 2013
45
74
-29
164.44%
Top (4) Claims by
Number Reported
Previous Month
April 2014
Loss/Dmg Prop
3 Ped Slip/Fall Sidewalk
4 Tree Root Damage
Previous Month
April 2014
Current Quarter
Jan - March 2013
Current Month
May 2014
Year to Date
May 2014
129
147
-18
113.95%
44
41
3
93.18%
1 Hazardous Conditions
2 Loss/Dmg Prop
Topy (4) Claims by
Incurred Amount
Current Quarter
Jan - March 2014
240
231
9
96.25%
Year to Date
May 2013
135
139
-4
102.96%
Current Quarter
Jan - March 2014
234
252
-18
107.69%
Year to Date
May 2014
Hazardous Conditions
Other BI
Loss/Dmg Prop
Loss/Dmg Prop
Ped Slip/Fall Sidewalk
Glass Breakage
Excessive Force
Other BI
Current Month
May 2014
Current Quarter
Jan - March 2014
Year to Date
May 2014
1 Ped Slip/Fall Sidewalk
2 Hazardous Conditions
False Arrest
Excessive Force
3 Slip/Fall Misc.
4 Ped Slip/Fall Road/Steet
Excessive Force
Excessive Force
False Pretense
Intesection Collision
False Arrest
Program Summary for 2014
May 2014
New Claims Received Year to Date
240
Total Open Inventory
386
Incurred Life of Program
$90,723,762.26
Current Reserves on all Open Claims
$19,359,055.27
101
CSJVRMA
June 26, 2014
LIABILITY PROGRAM
SUBJECT:
Report on Coverage Denials by Luther Lewis, Legal Counsel
The Executive Committee has requested that all coverage denials be reported to the Executive
Committee. Mr. Luther Lewis, Legal Counsel, has informed staff there have been no new
coverage denials since the last Executive Committee meeting.
RECOMMENDATION:
None
None
Agenda Item 8.A.2.
102
CSJVRMA
June 26, 2014
LIABILITY PROGRAM
SUBJECT:
Renewal of Endorsements to the Pooled Liability Program Memorandum of
Coverage for the Administration of Medications in Custodial Care Programs
for the Cities of Kingsburg, Madera, and Turlock
The CSJVRMA’s Pooled Liability Program Memorandum of Coverage excludes the
administration of medications except in emergency situations. Because the Americans with
Disabilities Act (ADA) requires providing regularly-scheduled medication either orally or
intravenously to children by staff of public entities that have daycare, swimming, and day camp
programs, in 2009 the Executive Committee took action to:
1) Send an information packet on the "Policy for Assisting with the Administration of
Medically Necessary Prescribed Medications to participants in Custodial Care
Programs," to all members as a best practice with notification that the CSJVRMA
does not cover this practice; and
2) Entertain requests for endorsement for the practice of assisting with the
administration of medications to those in Custodial Care Programs. Adherence to the
best practices would be the minimum requirement for requesting coverage and the
members requesting such coverage would be required to appear before the Executive
Committee. If granted, the coverage would only be awarded for the current program
year and would be reviewed annually.
Effective October 28, 2010, the Executive Committee approved an endorsement for the cities of
Kingsburg and Turlock, and an endorsement was approved for the City of Madera effective
January 27, 2011, with subsequent approvals each program year thereafter.
In accordance with the policy, staff has contacted the cities to determine: 1) If they are interested
in requesting an endorsement for the 2014/15 program year; 2) If there are any changes to their
policies, procedures, or documents; and 3) If there is any additional information they would
like to provide to the Executive Committee. All three cities responded they are requesting the
endorsement for the upcoming program year, they have not had any changes, and they have no
additional information to provide.
RECOMMENDATION:
Staff recommends the Executive Committee approve the endorsement to the 2014/15 Pooled
Liability Program Memorandum of Coverage for the administration of medications in custodial
care programs for the cities of Kingsburg, Madera, and Turlock.

Endorsement No. 4 to the 2014/15 Pooled Liability Program Memorandum of Coverage
Agenda Item 8.B.
103
POOLED LIABILITY COVERAGE
ENDORSEMENT NO. 4
20132014-GL.
By reason of the action taken by the Central San Joaquin Valley Risk Management Authority Executive
Committee at a regularly scheduled meeting held on June 28, 2013, the Memorandum of Coverage for the
2013/14 program year is amended as set forth below as to the following Members:
City of Kingsburg
City of Madera
City of Turlock
Exclusion 8(c) is hereby amended to provide coverage, subject to the remaining terms, definitions and
exclusions within the Memorandum of Coverage, for the administration of medications in the regular
course of the Member’s custodial care programs, provided that the Member has adopted and adhered to all
of the provisions contained in the "Best Practices Policy" which the Executive Committee adopted on
May 27, 2010, to assist Members in the administration of such Medically Necessary Prescribed
Medications to Participants in their Custodial Care Programs. This endorsement of coverage shall apply
only to the Members named herein for the duration of the specified program year, and must be renewed
annually to remain effective during subsequent program years.
Effective Date:
20132014
July 1,
Endorsement No.:
4
Endt. No. 4 (7/1/1314)
104
CSJVRMA
BOARD OF DIRECTORS' MEETING
June 27, 2014
LIABILITY PROGRAM
SUBJECT:
Pooled Liability Program Memorandum of Coverage for Program Year 2014/15
The Memorandum of Coverage (MOC) Subcommittee met on May 22, 2014, to review the draft
Pooled Liability Program MOC for the 2014/15 program year, and staff and Legal Counsel presented
the following changes which are being recommended to the Executive Committee at their meeting
on June 26th:



Incorporate program year 2013/14 endorsement number 6 into the text of the document,
which removed the exclusion of coverage for Community Correctional Facilities (CCFs)
unless specifically endorsed. The CCFs are no longer excluded from coverage;
Amend the dates of coverage to become effective for the 2014/15 program year; and
Amend the form number.
SECTION
AMENDMENT
REASON
Section II - Definitions.
Amended language to Q
"Public Officials Errors and Omissions" means
an accident, including continuous or repeated
exposure to substantially the same conditions,
which results in injury neither expected nor
intended from the standpoint of the "Covered
Party", arising from any actual or alleged
misstatement or misleading statement or act or
omission by any individuals (individually or
collectively) in the course and scope of their
duties with the "Covered Party" named in the
Declarations, or claimed against them solely
by reason of their being or having been public
officials, or officers or directors of the
Authority.
Claims arising out of the private use of a firing
range owned, operated, or maintained by a
“Covered Party”, where such private use is
not in the course and scope of the "Covered
Party's" business activities. Without any
limitation to Exclusions (1) and (2), also
specifically excluded are any claims for cleanup, removal, containment, treatment,
detoxification, or neutralization of lead or any
other by-product of firearm use, whether or
not deemed to be “pollutants,” arising out of
or connected with the ownership, control or
use of firearm firing range, practice range or
other area used for training or practice in the
use of firearms.
To clarify “Covered Party” in this section
refers to the entity itself (the city or other
entity named in the Declarations).
Section VI – Exclusions
Amended language to
(A)(20)
To clarify there is no intent to limit or
erode the pollution exclusions, (1) and (2).
This is simply an additional specific
exclusion, without giving up any argument
that such is already excluded under
exclusions (1) and (2). Additionally, Mr.
Lewis suggested specifically excluding
“any other byproduct of firearm use,”
without regard to whether they would fall
under the definition of “pollutant” in the
MOC, as there could be an argument that
lead is not a pollutant as defined in the
MOC.
105
CSJVRMA
June 26, 2014
Section VII –
Conditions
(D)(1)
Section VII –
Conditions
Amended language to
(I) Arbitration
Except as provided in 4(b), In order for
coverage herein to apply, the “Covered
Party” must pay the full amount of its
“Retained Limit.” Payment of the “Retained
Limit” by the “Covered Party” is required in
addition to, and regardless of, any payment
or payments from any other source for or on
behalf of that “Covered Party.”
Arbitration shall be conducted pursuant to the
California Code of Civil Procedure by a single
neutral arbitrator who is a lawyer
experienced in contract interpretation or a
retired federal or California State judge. The
arbitrator shall not be employed by or
affiliated with the Authority or the “Covered
Party” or parties. The scope of the
arbitration shall be limited to interpretation
of this Memorandum of Coverage, and, as
appropriate, determination of the amount, if
any, to be paid by the Authority for
indemnity or defense owed under this
Memorandum of Coverage. No Covered
Party shall be entitled to any damages or
relief other than as provided in this
paragraph, plus interest on those amounts at
the rate applicable to public entities.
It is unclear what the reference to 4(b) in
the language means, so it is
recommended this be removed.
The intent is to prevent a member or
former member from claiming damages
beyond what might be owed under the
MOC, plus interest. There is case law
that the rate of interest applicable to
public entities is 7%, as opposed to 10%
for judgments in general. See, California
Fed. Savings & Loan Assn. v. City of Los
Angeles (1995) 11 Cal.4th 342, 347-348.
Mr. Lewis also discussed with the Subcommittee clarifying the intent of (F)(2) under “Covered
Party.” He questioned whether it is the intent of the CSJVRMA to cover an outside (nonemployee) attorney who is working as a City Attorney. If not, he recommended adding language
to ensure the intent is clear. The Subcommittee discussed and concurred that when a contracted
City Attorney is acting on behalf of a city, it is expected the city will provide coverage since they
are “officials.” Therefore, the Subcommittee agreed no changes should be made to this section.
The draft Pooled Liability Program MOC is attached in underline/strikeout format for the
Committee's review.
RECOMMENDATION:
The Memorandum of Coverage Subcommittee recommends approval of the Pooled Liability
Memorandum of Coverage for Program Year 2014/15 as amended.

Pooled Liability Program Memorandum of Coverage for Program Year 2014/15 in
underline/strikeout format
Agenda Item 8.C., Page 2
106
POOLED LIABILITY PROGRAM
2013/1414/15 PROGRAM
YEAR
107
DECLARATIONS
POLICY NO. CSJVRMA 20132014GL
Formatted: I
0.06", Tab sto
POLICY PERIOD:
From 7-1-2013 2014 to 7-1-20142015
LIMITS OF COVERAGE:
$1,000,000 Each Occurrence Less Members’
Retained Limit Listed in Endorsement No. 2
FORM AND ENDORSEMENTS:
Form No. CSJVRMA 20132014-GL, Endorsement
No. 1, 2, 3, 4, and 5
108
Pooled Liability Program
Memorandum of Coverage
TABLE OF CONTENTS
SECTION I
COVERAGE ........................................................................................................................1
SECTION II
DEFINITIONS.....................................................................................................................2
SECTION III
DEFENSE AND SETTLEMENT........................................................................................8
SECTION IV
THE AUTHORITY'S LIMIT OF COVERAGE..................................................................8
SECTION V
COVERAGE PERIOD AND TERRITORY .......................................................................9
SECTION VI
EXCLUSIONS.....................................................................................................................9
SECTION VII
CONDITIONS ...................................................................................................................16
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FORM NUMBER CSJVRMA 20132014-GL
FOR THE
(Hereinafter referred to as the Authority)
POOLED LIABILITY PROGRAM
Throughout this agreement, words and phrases that appear in quotation marks have special meaning.
They are defined in Section II, "Definitions.”
In consideration of the payment of the deposit premium, the Authority agrees with the "covered
parties" as follows:
SECTION I - COVERAGE
The Authority will pay up to the "limit of coverage" those sums on behalf of the "covered parties"
for the "ultimate net loss", less the "retained limit", that the "covered parties" become legally
obligated to pay as damages because of "bodily injury", "property damage", "personal injury", and
"public officials errors and omissions" as those terms are herein defined and to which this agreement
applies, caused by an "occurrence" during the coverage period, except as otherwise excluded.
This Memorandum of Coverage does not provide insurance, but instead provides for pooled selfinsurance. This Memorandum is a negotiated agreement amongst the members of the Authority and
none of the parties to the Memorandum is entitled to rely on any contract interpretation principles
applicable to contracts of adhesion and/or that require interpretation of ambiguous language against
the drafter of such agreement. This Memorandum shall be applied according to the principles of
contract law, giving full effect to the intent of the members of the Authority in adopting this
Memorandum of Coverage. As the Authority is not an insurer, it has no obligation to issue
reservation of rights letters, nor does it have an obligation to provide “Cumis” counsel to a “Covered
Party” in disputed coverage situations under Civil Code §2860. Finally, failure to provide notice to
a covered party of any coverage dispute shall not operate to waive any of the provisions of this
Memorandum.
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SECTION II - DEFINITIONS
A.
“Aircraft” means a vehicle designed for the transport of persons or property principally in
the air.
B.
“Authority” means the Central San Joaquin Valley Risk Management Authority.
C.
“Automobile” means a land motor vehicle, trailer or semi-trailer.
D.
“Bodily injury” means bodily injury, sickness, disease or emotional distress sustained by a
person, including death resulting from any of these at any time. "Bodily injury" includes
"damages" claimed by any person or organization for care, loss of services or death resulting
at any time from the bodily injury.
E.
“Covered Indemnity Contract” means that part of any contract or agreement pertaining to the
“Covered Party’s” routine governmental operations under which the “Covered Party”
assumes the tort liability of another party to pay for “Bodily Injury” or “Property Damage”
to a third person or organization. This definition applies only to tort liability arising out of
an “Occurrence” to which this agreement applies. Tort liability means a liability that would
be imposed by law in the absence of any contract or agreement.
F.
"Covered Party" means:
(1)
The entity named in the Declarations, including any and all commissions, agencies,
districts, authorities, boards, including the governing board or similar entities coming
under such entity's direction or control or for which such entity's board members sit
as the governing body. "Covered Party" includes all departments and constituent
agencies of the entity, except a hospital board or commission, regardless of how such
body is denominated.
(2)
Persons who are past or present elected or appointed officials, employees, or
volunteers of the "Covered Party", whether or not compensated, while acting for or
on behalf of the "Covered Party", including while acting on outside boards at the
direction of the "Covered Party", except any hospital board or commission,
regardless of how such body is denominated, or any other Joint Powers Authority, or
any separate agency or entity, created by a Joint Powers Agreement, subject to the
provisions of subparagraph (5). This definition is not intended to expand the
definition of "employee" set forth in Government Code Section §810.2, nor is it
intended to provide any greater or different indemnity obligations than contained in
Government Code Section §§ 815, 815.3, 825-825.6 and 995-996.6 inclusive.
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(3)
Any person or entity identified as a "Covered Party", holding a certificate of
coverage duly issued by the Authority, for "occurrences" during the coverage period
identified in the certificate of coverage; if a particular activity is identified in the
certificate of coverage, the person or entity is a "Covered Party" only for
"occurrences" arising out of the described activity.
(4)
Any officer or director of the Authority while in the course and scope of their duties
for the Authority, with respect to "public officials errors and omissions" coverage.
(5)
“Covered Party” shall include the Administrator for any liability arising out of the
Medicare / Medicaid & State Children’s Health Insurance Program (SCHIP)
Extension Act 2007 (MMSEA) reporting duties on behalf of the Authority.
(6)
"Covered Party" does not include any person, organization, trust or estate or any
other entity for any risk, claim or loss which is incurred or occurs under any other
Joint Powers Authority, or any Joint Powers Agreement which creates a separate
agency or entity, unless added hereto by endorsement, or unless all members of such
other Joint Powers Authority or separate agency or entity created by a Joint Powers
Agreement are entities named in the Declarations. However, as to any person who is
an official, employee or volunteer of the entity named in the Declarations and is
participating in the activities of any other Joint Powers Authority or any separate
agency or entity created under any Joint Powers Agreement on behalf of that named
entity, the coverage afforded by this agreement will apply in excess of and shall not
contribute with any collectible insurance or other coverage provided to or through
the other Joint Powers Authority or Joint Powers Agreement covering a loss also
covered hereunder (whether on a primary, excess or contingent basis).
(7)
With respect to any "automobile" owned by the "Covered Party" or leased or hired
for use by or on behalf of the "Covered Party", any person while using such
"automobile" in the course and scope of employment and any person or organization
legally responsible for the use thereof, provided its actual use is with the permission
of the entity named in the Declaration page, except:
(a)
Any person or organization, or any agent or employee thereof, operating an
"automobile" sales agency, repair shop, service station, storage garage, or
public parking place, with respect to an "occurrence" arising out of the
operation thereof, including road testing and delivery; or
(b)
The owner or any lessee, other than the "Covered Party", of a leased or hired
"automobile", or any agent or employee of such owner or lessee.
(c)
This agreement does not provide uninsured or under insured motorist
coverage.
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(8)
Notwithstanding sections (2) and (6) above, the defense and indemnity coverage
afforded by this agreement to a past or present official, employee or volunteer of a
member entity (including a member entity of a member joint powers authority) is not
broader than the member entity's duty to defend and indemnify its official, employee
or volunteer pursuant to California Government Code Section §§ 815, 815.3, 825 to
825.6, 995 to 996.6, inclusive, and any amendments thereof. If the member entity
which employs the official, employee or volunteer is not obligated under the
California Government Code to provide a defense, or to provide indemnity for a
claim, or if said member entity refuses to provide any such defense or indemnity
coverage to said official, employee or volunteer, then this agreement shall not
provide such defense or indemnity coverage to said official, employee or volunteer.
All immunities, defenses, rights, and privileges afforded to a member entity under
California Government Code Section §§ 815, 815.3, 825 to 825.6, 995 to 996.6,
inclusive, and any amendments thereof, shall be afforded to the Authority to bar any
defense or indemnity coverage under this agreement to that member entity's official,
employee or volunteer.
G.
"Dam" means any artificial barrier, together with appurtenant works, which does or may
impound or divert water, and which either (a) is 25 feet or more in height from the natural
bed of the stream or watercourse at the downstream toe of the barrier, or from the lowest
elevation of the outside limit of the barrier, if it is not across a stream, channel or
watercourse, to the maximum possible water storage elevation; or (b) has an impounding
capacity of 50 acre-feet or more.
Any such barrier which is not in excess of 6 feet in height, regardless of storage capacity, or
which has a storage capacity not in excess of 15 acre-feet, regardless of height, shall not be
considered a "Dam.”
No obstruction in a canal used to raise or lower water therein or divert water therefrom, no
levee, including but not limited to a levee on the bed of a natural lake the primary purpose of
which levee is to control floodwaters, no railroad fill or structure, no road or highway fill or
structure, no circular tank constructed of steel or concrete or of a combination thereof, no
tank elevated above the ground, no water or waste water treatment facility, and no barrier
which is not across a stream channel, watercourse, or natural drainage area and which has the
principal purpose of impounding water for agricultural use or storm water detention or water
recharging or use as a sewage sludge drying facility shall be considered a "Dam.” In
addition, no obstruction in the channel of a stream or watercourse which is 15 feet or less in
height from the lowest elevation of the obstruction and which has the single purpose of
spreading water within the bed of the stream or watercourse upstream from the construction
for percolation underground shall be considered a "Dam.” Nor shall any impoundment
constructed and utilized to hold treated water from a sewage treatment plant be considered a
“Dam.” Nor shall any wastewater treatment or storage pond exempted from state regulation
and supervision by Water Code Section 6025.5 be considered a “Dam.”
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H.
"Damages" means compensation in money recovered by a party for loss or detriment it has
suffered through the acts of a "Covered Party.”
I.
"Defense Costs" means all fees and expenses incurred by any "Covered Party" caused by and
relating to the defense or litigation of a claim including attorney's fees, court costs, and
interest on judgments accruing after entry of judgment. “Defense Costs” shall include
reasonable attorney fees and necessary litigation expenses incurred by or for a party other
than the “Covered Party”, that are assumed by the “Covered Party” in a “Covered Indemnity
Contract” where such attorney fees or costs are attributable to a claim for “Damages”
covered by this Memorandum. "Defense Costs" shall not include the office expenses of the
Authority or the "Covered Party", the salaries of employees, contract city attorneys, or
officials of the Authority or any "Covered Party", investigation costs, or the expenses of a
claims administrator engaged by any "Covered Party", or attorney fees or costs awarded to a
prevailing plaintiff against the "Covered Party."
J.
"Limit of Coverage" means the amount of coverage stated in the declaration page or
certificate of coverage, or sublimits as stated therein for each "Covered Party" per
"Occurrence", subject to any lower sublimit stated in this Memorandum. In the event that a
structured settlement, whether purchased from or through a third-party, or paid directly by
the “Covered Party” in installments, is utilized in the resolution of a claim or suit, the
Authority will pay only up to the amount stated in the declarations or certificate of coverage,
in present value of the claim as determined on the date of settlement, regardless of whether
the full value of the settlement exceeds the amount stated in the declarations or certificate of
coverage.
K.
"Medical Malpractice" means the rendering of or failure to render, during the policy period,
any of the following services:
(1)
Medical, surgical, dental, psychiatric, psychological counseling, X-ray or nursing
service or treatment or the furnishing of food or beverages in connection therewith,
or any services provided by a health care provider as defined in Section 6146 (c), (2),
(3) of the California Business and Professions Code.
(2)
Furnishing or dispensing of drugs or medications, or medical, dental or surgical
supplies or appliances.
"Medical Malpractice" does not include emergency medical services or first aid administered
by employees, nor does it include advice or services rendered by a 911 emergency
dispatcher.
L.
"Nuclear Material" means source material, special nuclear material, or byproduct material.
"Source material", "special nuclear material" and "byproduct material" have the meanings
given to them by the Atomic Energy Act of 1954 or in any law amendatory thereof.
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M.
"Occurrence" means:
(1)
With respect to "Bodily Injury", or "Property Damage": an accident, including
continuous or repeated exposure to substantially the same generally harmful
conditions, which results in "Bodily Injury" or "Property Damage" neither expected
nor intended from the standpoint of the "Covered Party.” "Property Damage" that is
loss of use to tangible property that is not physically injured shall be deemed to occur
at the time of the "occurrence" that caused it.
(2)
With respect to "Personal Injury" and "Public Officials Errors and Omissions"
respectively: an offense described in the definition of those terms in this coverage
agreement.
N.
"Personal Injury" means injury, other than "Bodily Injury", arising out of one or more of the
following offenses:
(1)
False arrest, detention, imprisonment, malicious prosecution, or abuse of legal
process;
(2)
Wrongful entry into, or eviction of a person from, a room, dwelling, or premises that
the person occupies;
(3)
Publication or utterance of material that slanders or libels a person or organization or
disparages a person's or organization's goods, products, or services, or oral or written
publication of material that violates a person's right of privacy;
(4)
Discrimination or violation of civil rights; and
(5)
Injury resulting from the use of reasonable force for the purpose of protecting
persons or property.
O.
"Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including
mold, fungal pathogens, electromagnetic fields, smoke, vapor, soot, fumes, acids, alkalis,
chemicals, airborne particles or fibers and waste. Waste includes materials to be discarded
or to be recycled, reconditioned or reclaimed. The term "Pollutants" as used herein does not
mean potable water, agricultural water, water furnished to commercial users or water used
for fire suppression.
P.
"Property Damage" means:
(1)
Physical injury to tangible property, including all resulting loss of use of that
property; or
(2)
Loss of use of tangible property that is not physically injured or destroyed.
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Q.
"Public Officials Errors and Omissions" means an accident, including continuous or repeated
exposure to substantially the same conditions, which results in injury neither expected nor
intended from the standpoint of the "Covered Party", arising from any actual or alleged
misstatement or misleading statement or act or omission by any individuals (individually or
collectively) in the course and scope of their duties with the "Covered Party" named in the
Declarations, or claimed against them solely by reason of their being or having been
public officials, or officers or directors of the Authority.
R.
"Retained Limit" means the amount stated on the applicable Declarations or certificate of
coverage, which will be paid from the amount deposited by the "Covered Party" to the
liability fund before the Authority is obligated to make any payment from the pooled funds.
"Retained Limit" includes all "Defense Costs" but does not include adjustment and
investigative costs. "Retained Limit" shall be subject to the following:
(1)
For each "Occurrence", there shall be only one "Retained Limit" regardless
of the number of claimants or "Covered Parties" against whom a claim is
made. If the "Covered Parties" have different "Retained Limits", the lowest
"Retained Limit" of any party found liable will apply, except as set forth in
the exception to Exclusion (A)(26)(b). Payment of the "Retained Limit"
shall be apportioned amongst the "Covered Parties" in accordance with their
proportionate shares of liability, except with regard to the exception to
Exclusion (A)(26)(b), in which case the “Covered Parties” may agree on
apportionment and payment of the “Retained Limit.”
(2)
If the payment is for a settlement, the "Retained Limit" shall be apportioned
amongst the "Covered Parties", in accordance with the respective parties'
agreed upon or court-determined share of liability. In the event that the
apportionment requires court determination, the "Covered Parties" will pay
all costs of the Authority, in seeking such determination, including its
attorney's fees, in proportion to the court's determination of liability.
S.
"Ultimate Net Loss" means the sum actually paid or payable as damages, attorneys fees or
costs in settlement or satisfaction of a claim, or as "Defense Costs", for which the "Covered
Party" is liable either by adjudication or by compromise with the written consent of the
Authority, after making proper deduction for all recoveries and salvages and other collectible
insurance. In the event several "Covered Parties" are involved in the loss, the "Ultimate Net
Loss" will be apportioned between the "Covered Parties" by dividing the "Ultimate Net
Loss" by the number of entities involved, unless and until liability of the various "Covered
Parties" is determined by arbitration or judgment, at which time the "Ultimate Net Loss" will
be apportioned by the relative liabilities of the "Covered Parties.” Ultimate net loss also
does not include attorneys fees or costs awarded to the prevailing party in a suit except
where such attorneys fees or costs are attributable to a claim for damages covered by this
Memorandum.
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SECTION III - DEFENSE AND SETTLEMENT
The Authority, through its designated Claims Adjustors, shall assume charge of the investigation and
defense of all claims which are or may be covered by this Memorandum. The Authority shall have
the right to control the negotiation, investigation, defense, appeal or settlement of any claim or
proceeding which, in the opinion of the Authority, is or may be covered by this Memorandum. The
"Covered Party" shall fully cooperate in all matters pertaining to such claim or proceeding.
However, the "Covered Party" may exercise settlement control of those claims only within its
"Retained Limits" unless the Authority's Litigation Manager notifies the "Covered Party" that the
Authority is assuming control of the disposition or settlement of such claims.
No claim shall be settled for an amount in excess of the Authority's "Retained Limit" without the
prior written consent of the California Affiliated Risk Management Authority.
If the Authority denies liability for a claim, the "Covered Party" may elect to litigate or settle the
claim on its own behalf. In either event however, the "Covered Party" shall be liable for the full
amount of any judgment or settlement, including all related costs and fees in connection therewith,
unless and until it has been determined by arbitration that the Authority has liability for the claim
under the Memorandum of Coverage.
SECTION IV - THE AUTHORITY'S LIMIT OF COVERAGE
Regardless of the number of (1) persons or entities covered under this agreement, (2) persons or
organizations making claims or bringing suits, or (3) claims made or suits brought, the "Limit of
Coverage" stated on the Declarations page, less the retained limit, or any sublimit contained in this
Memorandum is the most the Authority will pay for an "Ultimate Net Loss" arising out of any one
"Occurrence.” In the event that a structured settlement, whether purchased from or through a third
party or paid directly by the "Covered Party" in installments, is utilized in the resolution of a claim
or suit, only the present value of the agreed-upon payments (the present value "cost" of the
structured settlement) shall be considered in satisfaction of the "Covered Party's" "retained limit."
The "Limit of Coverage" for an additional covered party (including its officials, employees and
volunteers) shall be the limit stated in its additional covered party certificate, regardless of the limit
that applies to the member entity.
In the event that a structured settlement, whether purchased from or through a third-party, or paid
directly by the “Covered Party” in installments, is utilized in the resolution of a claim or suit, the
Authority will pay only up to the amount stated in the declarations or certificate of coverage, in
present value of the claim as determined on the date of settlement, regardless of whether the full
value of the settlement exceeds the amount stated in the declarations or certificate of coverage.
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SECTION V - COVERAGE PERIOD AND TERRITORY
This agreement applies to "Bodily Injury", "Personal Injury", "Property Damage", or "Public
Officials Errors and Omissions" which occur anywhere in the world during the coverage period
identified in the applicable declaration or certificate of coverage.
SECTION VI - EXCLUSIONS
A.
This agreement does not apply to:
(1)
With respect to Pollution:
(a)
Any liability arising out of the actual, alleged, or threatened discharge,
dispersal, seepage, migration, release, or escape of “Pollutants” anywhere in
the world.
(b)
Any loss, cost or expense arising out of any governmental direction or
request that the “Authority”, the “Covered Party” or any other person or
organization test for, monitor, clean-up, remove, contain, treat, detoxify,
neutralize, or assess the effects of “Pollutants”; or
(c)
Any loss, cost, or expense, including but not limited to costs of investigation
or attorneys’ fees, incurred by a governmental unit or any other person or
organization to test for, monitor, clean-up, remove, contain, treat, detoxify, or
neutralize “Pollutants.”
However, this exclusion shall not apply to “Bodily Injury” or “Property
Damage” caused by a “Covered Party’s” response to contamination caused
by a third party unrelated to a “Covered Party.” Response includes clean-up,
removal, containment, treatment, detoxification, and neutralization of
“Pollutants.” In addition this exclusion does not apply to direct and
immediate “Bodily Injury” or “property damage arising out of operations
involving the use, application, or spraying of any pesticide at or from any site
or location not owned or controlled by the “Covered Party” on which the
“Covered Party” or any contractors or subcontractors working directly or
indirectly on behalf of the “Covered Party”, are performing operations if the
operation(s) performed meet all standards of any statute, ordinance,
regulation, or license requirement of any federal, state, or local government
which apply to those operations.
(d)
The exclusions set forth in (a), (b), or (c) above do not apply if said
discharge, dispersal, release, or escape of “Pollutants” meets all of the
following conditions:
i.
It was accidental and neither expected nor intended by the “Covered
Party”; and
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ii.
It was demonstrable as having commenced on a specific date during the
term of this policy; and
iii.
Its commencement became known to the “Covered Party” within seven
(7) calendar days; and
iv.
Its commencement was reported in writing to the “Authority” within
forty (40) calendar days of becoming known to the “Covered Party”;
and
v.
Reasonable effort was expended by the “Covered Party” to terminate
the discharge, dispersal, release, or escape of “Pollutants” as soon as
conditions permitted.
(e)
The exclusions set forth in (a), (b), or (c) above do not apply if said
discharge, dispersal, release, or escape arises from materials being collected
as part of any drop off or curbside recycling program implemented and
operated by the “Covered Party”, if the materials have not been stored by the
“Covered Party” or parties for a continuous period exceeding ninety (90)
days.
(f)
Nothing contained in this agreement shall operate to provide any coverage
with respect to:
i.
Any site or location principally used by the “Covered Party”, or by
others on the “Covered Party’s” behalf, for the handling, storage,
disposal, dumping, processing, or treatment of waste material, except as
provided in Section (g);
ii.
Any fines or penalties;
iii.
Any clean-up costs ordered by the Superfund Program, or any federal,
state, or local governmental authority. However, this specific exclusion
(f), iii, shall not serve to deny coverage for third party clean-up costs
otherwise covered by this endorsement simply because of the
involvement of a governmental authority;
iv.
Acid rain; and
v.
Clean-up, removal, containment, treatment, detoxification, or
neutralization of “Pollutants” situated on premises the “Covered Party”
owns, rents, or occupies at the time of the actual discharge, dispersal,
seepage, migration, release, or escape of said “Pollutants”.
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vi.
Any claims for clean-up, removal, containment, treatment,
detoxification, or neutralization of “Pollutants” arising out of or
connected with the use of a firearm firing range, practice range or other
area used for training or practice in the use of firearms.
(g)
As to any claim for damages to real property no longer owned, maintained, or
used by the “Covered Party”, the Authority will provide a defense up to the
amount of $100,000 over the “Retained Limit” per “Occurrence.”
(2)
Any cost or expense arising out of any governmental order, direction, or request that
the "Covered Party" test for, monitor, clean up, remove, contain, treat, detoxify, or
neutralize "Pollutants.”
(3)
Claims, including attorneys' fees or salary or wage loss claims or claims for lost
pension or other benefits, by any potential, present or former employee or official of
the "Covered Party", arising out of a violation of civil rights, or employment-related
practices, policies, acts or omissions, including termination, coercion, demotion,
evaluation, reassignment, discipline, defamation, harassment, humiliation or
discrimination directed at that person. This exclusion extends to claims of the
spouse, child, (including unborn child or fetus), parent, brother or sister of that
person as a consequence of injury to the person at whom any of the employmentrelated practices, policies, acts or omissions described above are directed. This
exclusion applies to claims of negligent supervision and/or claims of failure to
prevent such employment-related practices, policies, acts or omissions. However, at
the "Covered Party's" expense, the Authority will provide a defense, investigation,
and adjustment up to the amount of the "Covered Party's" "Retained Limits" for any
such claim.
(4)
Bodily injury to:
(a)
An employee of the “Covered Party” arising out of and in the course of:
i.
Employment by the "Covered Party"; or
ii.
Performing duties related to the conduct of the "Covered Party's"
business; or
(b)
The spouse, child, (including unborn child or fetus), parent, brother or sister
of the employee as a consequence of paragraph (1) above.
This exclusion applies:
(c)
Whether the covered party may be liable as an employer or in any other
capacity; or
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(d)
To any obligation to share damages with or repay someone else who must
pay damages because of the injury.
(5)
Any obligation for which the "Covered Party" or any insurance company as its
insurer may be held liable under any workers' compensation, unemployment
compensation, or disability benefits law or any similar law.
These exclusions (3), (4), and (5) apply whether the "Covered Party" may be liable as an
employer or in any other capacity.
(6)
Claims arising out of ownership, maintenance, management, supervision, or the
condition or operation of any hospital, or marina, or community correctional
facility, except that coverage for any community correctional facility may be
extended by endorsement by the Executive Committee of the Authority.
(7)
Claims because of bodily injury, personal injury, or property damage arising out of
ownership, maintenance, management, supervision, or the condition of any airport.
(8)
Claims arising out of any "medical malpractice":
(a)
committed by a doctor, osteopath, chiropractor, dentist or veterinarian; or
(b)
committed by any health care provider (as defined in Business & Professions
Code Section 6146(c)(2) working for any hospital or hospital operated outpatient, in-patient or other clinic at the time of the occurrence giving rise to
the loss; or
(c)
committed by an employee, volunteer, contractor, or other individual acting
for or on behalf of a "Covered Party" other than emergency medical services
or first aid.
(9)
Claims arising out of partial or complete structural failure of a "Dam.”
(10)
Fines, assessments, penalties, restitution, disgorgement, exemplary or punitive
damages, or any statutory damages multipliers. This exclusion applies whether the
fine, assessment, penalty, restitution, disgorgement, exemplary or punitive damage is
awarded by a court or by an administrative or regulatory agency. "Restitution" and
"disgorgement" as used herein refer to the order of a court or administrative agency
for the return of a specific item of property or a specific sum of money, because such
item of property or sum of money was not lawfully or rightfully acquired by the
covered party.
(11)
Claims for injury or damages caused by intentional conduct done with willful and
conscious disregard of the rights or safety of others, or with malice. However, where
the “Covered Party” did not authorize, ratify, participate in, consent to, or have
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knowledge of such conduct by its past or present employee, elected or appointed
official, or volunteer, and the claim against the “Covered Party” is based solely on its
vicarious liability arising from its relationship with such employee, official or
volunteer, this exclusion does not apply to said "Covered Party.”
(12)
Claims arising out of the hazardous properties of "Nuclear Material.”
(13)
(a)
Claims arising out of or in connection with condemnation proceedings,
eminent domain, or inverse condemnation by whatever name called, resulting
from deliberate, decision-making conduct by the governing body of the
“Covered Party”, and whether or not liability accrues directly against any
“Covered Party” by virtue of any agreement entered into by or on behalf of
any "Covered Party.”
(b)
Claims arising out of or in connection with land use regulation or land use
planning, including zoning, enforcement of building codes and/or
regulations, and planning decisions, by whatever name called.
These exclusions do not apply to claims for “Property Damage” arising from
accidental structural failure of a “Covered Party’s” property or equipment.
(14)
"Property Damage" to:
(a)
Property owned by the "Covered Party.”
(b)
Property rented to or leased to the “Covered Party” where it has assumed
liability for damage to or destruction of such property, unless the “Covered
Party” would have been liable in the absence of such assumption of liability.
(c)
"Aircraft" or watercraft in the "Covered Party's" care, custody or control.
(15)
Claims arising out of the ownership, operation, use, maintenance, or entrustment to
others of any “Aircraft”. Ownership, operation, use, or maintenance as used herein
does not include static displays of aircraft in a park or museum setting.
(16)
Claims arising out of the failure to supply or provide an adequate supply of gas,
water, electricity or sewage capacity when such failure is a result of the inadequacy
of the "Covered Party's" facilities to supply or produce sufficient gas, water,
electricity or sewage capacity to meet the demand.
(17)
Claims arising out of the ownership, operation, maintenance, or use of any
trampoline or other rebound tumbling device. This does not apply to bounce houses
or other similar children’s recreational devices, owned, operated, maintained or used
by the “Covered Party” for the purpose of providing recreation to children.
Formatt
Effective 7/1/1314
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122
(18)
Claims arising out of the ownership, operation, maintenance or use of any skateboard
park foam pit.
(19)
Claims arising out of the ownership, operation, maintenance, or use on any land,
other than highways, of any off-highway motor vehicle, including but not limited to any
motorcycle or motor-driven cycle or bicycle, snowmobile specifically designed to
travel over snow or ice, or any vehicle commonly referred to as a sandbuggy,
dunebuggy or all-terrain vehicle. This exclusion shall not apply to the operation of any
such vehicle if operated by an employee, agent or volunteer of the “Covered Party”
while acting for or on behalf of the "Covered Party.”
(20)
Claims arising out of the private use of a firing range owned, operated, or maintained by
a “Covered Party”, where such private use is not in the course and scope of the
"Covered Party's" business activities. Without any limitation to Exclusions (1) and (2),
also specifically excluded are any claims for clean-up, removal, containment,
treatment, detoxification, or neutralization of lead or any other by-product of firearm
use, whether or not deemed to be “pollutants,” arising out of or connected with the
ownership, control or use of firearm firing range, practice range or other area used for
training or practice in the use of firearms.
(21)
Refund of, or restitution for, taxes, fees or assessments.
(22)
Claims in whole or in part arising out of the "Covered Party's" obtaining
remuneration or financial gain to which the “Covered Party” was not legally entitled.
(23)
Claims arising in whole or in part out of the violation of a statute, ordinance, order or
decree of any court or other judicial or administrative body, or rule of law, committed
by or with the knowledge or consent of the “Covered Party.”
(24)
Claims against a “Covered Party” arising out of estimates of probable cost or cost
estimates being exceeded or faulty preparation of bid specifications or plans, including
architectural plans, unless prepared by a qualified licensed and/or registered engineer
or architect who is the appointed City Engineer or an employee of the "Covered Party.”
(25)
(a)
Claims arising out of failure to perform, or breach of, any contractual
obligation entered into by any Covered Party.
(b)
Claims arising out of liability assumed under any contract or agreement,
except liability that would be imposed by law in the absence of the contract or
agreement, or when such assumption is the subject of a duly issued Certificate
of Additional “Covered Party”; but such assumption is covered only up to the
limit of coverage stated in the certificate. This exclusion does not apply to
liability assumed in a contract or agreement that is a “Covered Indemnity
Contract”, provided the “Bodily Injury” or “Property Damage” occurs
subsequent to the execution of the contract or agreement.
Effective 7/1/14
14
123
Exclusions 24(a) and 24(b) are not applicable to mutual aid agreements.
Further, Exclusion 24(b) is not applicable to indemnity agreements between
members of another Joint Powers Authority or of an agency or entity created
under a separate Joint Powers Agreement where all such members are
“Covered Parties” because they are entities named in the declarations herein.
Where all such members are entities named in the declarations herein, the
highest “Retained Limit” of those members shall be used to determine the
amount which will be paid from the amount deposited by those “Covered
Parties” before the Authority is obligated to make any payment from the
pooled funds. This provision shall control over any contrary provisions that
may be contained herein, and specifically within the definition of “Retained
Limit” set forth in Section II – “Definitions”.
(26)
Claims arising out of the "Employee Retirement Income Security Act of 1974" or
any law amendatory thereof, or any similar law, or arising out of fiduciary activities
with respect to employee benefit plans.
(27)
Claims arising out of the ownership, operation, maintenance, or control of any
permanent landfill site or facility, with the exception of claims neither arising out of
nor related to “Pollutants.” "Landfill" includes any permanent site for storage,
accumulation, burial, compost, sludge, or any other process for reducing or disposing
of waste.
(28)
"Ultimate net loss" arising out of relief, or redress, in any form other than
"Damages.”
(29)
Claims arising out of bungee jumping or propelling activities sponsored, controlled
or authorized by a "Covered Party.”
(30)
Claims by any “Covered Party” against its own past or present elected or appointed
officials, employees, volunteers, or additional covered parties, where such claim
seeks "Damages" payable to the "Covered Party.” This exclusion shall not apply to
claims by any “Covered Party” against any officer, director, or the Administrator of
the Authority, and the staff and employees thereof, while in the course and scope of
their duties for the Authority with respect to “Public Officials Errors and Omissions
Coverage.”
(31)
Claims arising out of oral or written publication of material, if done by or at the
direction of the “Covered Party” with knowledge of its falsity.
B.
This agreement does not apply under "Public Officials Errors and Omissions", to:
(1)
"Bodily Injury" or "Personal Injury";
(2)
Physical injury to tangible property, including all resulting loss of use of that
property;
Effective 7/1/14
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124
(3)
Benefits payable under any employee benefit plan (whether the plan is voluntarily
established by the “Covered Party” or mandated by statute) because of unlawful
discrimination.
SECTION VII - CONDITIONS
A.
The "Covered Party's" duties in the event of "Occurrence", claim or suit reasonably likely to
involve the Authority are as follows. These provisions are conditions precedent to coverage
afforded under this Memorandum. The “Covered Party’s” failure to comply with any of
these provisions shall void the coverage provided herein.
(1)
The “Covered Party” shall notify the Authority within 30 days upon receipt of notice
of a claim reasonably likely to exceed fifty percent of the "Retained Limit", or any
claim involving:
(a)
One or more fatalities;
(b)
Loss of limb or amputations;
(c)
Loss of use of any sensory organ;
(d)
Spinal cord injuries (quadriplegia or paraplegia);
(e)
Third degree burns involving ten percent or more of the body;
(f)
Serious facial disfigurement;
(g)
Paralysis;
(h)
Closed head injuries (brain injuries);
(i)
Serious loss of use of any body function;
(j)
Long-term hospitalization; or
(k)
Title 42 U.S.C. §1983 claims or other claims involving civil rights
violations.
Written notice containing particulars sufficient to identify the “Covered Party” and also
reasonably obtainable information with respect to the time, place and circumstances of the
"Occurrence", and the names and addresses of the “Covered Party” and of available
witnesses shall be given to the Authority or any of its agents as soon as possible after notice
of the claim is given to the Authority, if such information is not available prior to giving
notice to the Authority.
Effective 7/1/143
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125
(2)
If claim is made or suit is brought against the “Covered Party”, the “Covered Party”
shall be obligated to forward to the Authority's designated claims adjustor every
demand, notice, summons, or other process received by it or its representative.
(3)
The “Covered Party” shall cooperate with the Authority and upon its request assist in
making settlements, in the conduct of suits and in enforcing any right of contribution
or indemnity against any person or organization who may be liable to the “Covered
Party” because of "Bodily Injury", "Personal Injury", "Property Damage", "Public
Officials Errors and Omissions" or with respect to which coverage is afforded under
this agreement; and the “Covered Party” shall attend hearings and trials and assist in
securing and giving evidence and obtaining the attendance of witnesses. The
“Covered Party” shall not, except at its own cost, voluntarily make any payment,
assume any obligation, or incur any expense toward the settlement of any claim for
which the Authority has accepted responsibility and has so notified the "Covered
Party.”
(4)
Any payments made or expenses incurred by the “Covered Party” in relation to the
claim, prior to giving notice of the claim to the Authority, shall be the sole
responsibility of the “Covered Party”, and the Authority shall have no obligation to
pay said costs or to reimburse the “Covered Party” therefore.
(5)
As to any claim for which the Authority has accepted responsibility and has so
notified the “Covered Party”, if the "Covered Party's" refusal to change its position
prevents settlement of the claim for a reasonable amount, defined as the amount the
Authority is willing to pay and the claimant is willing to accept, and increases the
"Covered Party's" potential liability for "Damages" and continued "Defense Costs",
the “Covered Party” shall pay or shall reimburse the Authority for those "Defense
Costs" incurred after the claim could have been settled, and for any "Damages"
awarded or settlement agreed upon in excess of the amount for which the claim could
have been settled.
B.
Subrogation
The Authority shall be subrogated to the extent of any payment hereunder to all the "Covered
Parties'" right of recovery thereof and the "Covered Parties" shall do nothing after loss to prejudice
such right and shall do everything necessary to secure such right. Any amounts so recovered shall
be apportioned as follows:
(1)
The highest layer of coverage shall be reimbursed first and if there are sufficient
recoveries then the next highest layer until all recoveries are used up.
(2)
The expenses of all such recovery proceedings shall be paid before any
reimbursements are made. If there is no recovery in the proceedings conducted by
the Authority, it shall bear the expense thereof.
Effective 7/1/143
17
126
C.
Bankruptcy or Insolvency
Bankruptcy or insolvency of the “Covered Party” shall not relieve the Authority of any of its
obligations hereunder.
D.
Other Coverage
(1)
Except as provided in 4(b), iIn order for coverage herein to apply, the “Covered
Party” must pay the full amount of its “Retained Limit.” Payment of the “Retained
Limit” by the “Covered Party” is required in addition to, and regardless of, any
payment or payments from any other source for or on behalf of that “Covered Party.”
(2)
If insurance or any other coverage with any insurer, joint powers authority or other
source is available to the “Covered Party” covering a loss also covered hereunder
(whether on a primary, excess or contingent basis), the coverage hereunder shall be
in excess of, and shall not contribute with, such other insurance or coverage.
(3)
Commercial coverage purchased directly by a “Covered Party” for the sole purpose
of insuring all or a portion of its “Retained Limit” may be utilized to pay all or a
portion of a “Covered Party’s’ ‘Retained Limit.”
E.
Severability of Interests
The term “Covered Party” and its sub-terms including entity, covered individual, and additional
“Covered Party” are used severally and not collectively, but the inclusion herein of more than one
“Covered Party” shall not operate to increase the limits of the Authority's liability or the "Retained
Limit" applicable per "Occurrence.”
F.
Accumulation of Limits/Anti-Stacking
Subject to the provisions contained in Section I – Coverages, “Property Damage” or “Bodily injury”
occurring over more than one coverage period shall be deemed to occur during only one coverage
period, and that coverage period shall be when any “Property Damage” or “Bodily injury” was first
discovered. Coverage for such “Property Damage” or “Bodily injury” shall be provided by at most
one Memorandum of Coverage issued by the Authority.
With respect to "Personal Injury" and "Public Officials Errors and Omissions," an "Occurrence" with
a duration of more than one coverage period shall be treated as a single "Occurrence" arising during
the coverage period when the "Occurrence" began.
G.
Termination
This agreement may be terminated at any time in accordance with the Bylaws of the Authority.
Effective 7/1/143
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127
FORM NUMBER CSJVRMA 20143-
H.
Changes
Notice to or knowledge possessed by any agent of the Authority or by any other person shall not
effect a waiver or a change in any part of this Memorandum of Coverage, nor shall the terms of this
Memorandum of Coverage be waived or changed, except by endorsement issued to form a part of
this Memorandum of Coverage.
I.
Arbitration
Decisions by the Authority whether to assume control of the negotiation, investigation, defense,
appeal or settlement of a claim, or whether or not coverage exists for a particular claim (or part of a
claim) shall be made by the Executive Committee of the Authority. If the “Covered Party” disagrees
with a written denial of coverage from the Authority’s General Counsel, it may appeal that denial to
the Executive Committee within ninety (90) days of receipt of the denial. If the "Covered Party"
disagrees with the decision of the Executive Committee, it may appeal that decision to the Board of
Directors within ninety (90) days of written notice of that decision. The matter shall be placed on the
agenda of the next regularly scheduled Board meeting. The “Covered Party” must exhaust its rights
to appeal to the Executive Committee and to the Board of Directors before requesting arbitration of a
dispute. Any dispute concerning a decision by the Board of the Authority to deny coverage for all or
part of a claim shall not be subject to any court action, but shall instead be submitted to binding
arbitration.
Arbitration shall be conducted pursuant to the California Code of Civil Procedure by a single neutral
arbitrator who is a lawyer experienced in contract interpretation or a retired federal or California
State judge. The arbitrator shall not be employed by or affiliated with the Authority or the “Covered
Party” or parties. The scope of the arbitration shall be limited to interpretation of this
Memorandum of Coverage, and, as appropriate, determination of the amount, if any, to be paid
by the Authority for indemnity or defense owed under this Memorandum of Coverage. No
Covered Party shall be entitled to any damages or relief other than as provided in this paragraph,
plus interest on those amounts at the rate applicable to public entities.
The selection of the arbitrator shall take place within twenty (20) calendar days from the receipt of
the request for arbitration. The arbitration hearing shall commence within forty-five (45) calendar
days from the date of the selection of the arbitrator, unless the parties agree otherwise or unless
otherwise ordered by the arbitrator.
Each party shall pay the one-half of the cost of the selected arbitrator. Each party shall also be
responsible for its own costs and expenses of arbitration.
Except for notification of appointment and as provided in the California Code of Civil Procedure,
there shall be no communication between the "parties" and the arbitrator relating to the subject of the
arbitration other than at oral hearings.
The decision of the arbitrator shall be final and binding, and shall not be subject to appeal.
Effective 7/1/143
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128
ENDORSEMENT NO. 1
20132014-GL. It is understood that the named Covered Party of the Declaration is completed as
follows:
City of Angels Camp
City of Arvin
City of Atwater
City of Avenal
City of Ceres
City of Chowchilla
City of Clovis
City of Corcoran
City of Delano
City of Dinuba
City of Dos Palos
City of Escalon
City of Exeter
City of Firebaugh
City of Fowler
City of Gustine
City of Hughson
City of Huron
City of Kerman
City of Kingsburg
City of Lathrop
City of Lemoore
City of Lindsay
City of Livingston
City of Los Banos
City of Madera
City of Maricopa
City of McFarland
City of Mendota
City of Merced
City of Newman
City of Oakdale
City of Orange Cove
City of Parlier
City of Patterson
City of Porterville
City of Reedley
City of Ripon
City of Riverbank
City of San Joaquin
City of Sanger
City of Selma
City of Shafter
City of Sonora
City of Taft
City of Tehachapi
City of Tracy
City of Tulare
City of Turlock
City of Wasco
City of Waterford
City of Woodlake
Effective Date:
July 1, 20132014
Endorsement No.:
1
Endt. No.1
(7/1/201320
14)
Formatted: I
129
ENDORSEMENT NO. 2
This endorsement, effective 12:01 a.m. 7/1/1314, forms a part of Policy No. CSJVRMA 20132014-GL.
It is understood that the “Retained Limits” for the named Covered Parties listed in Endorsement No. 1 are
as follows:
City of Angels Camp
City of Escalon
City of Fowler
City of Gustine
City of Hughson
City of Huron
City of Maricopa
City of Mendota
City of Newman
City of Orange Cove
City of San Joaquin
City of Waterford
City of Arvin
City of Avenal
City of Chowchilla
City of Corcoran
City of Dos Palos
City of Exeter
City of Firebaugh
City of Kerman
City of Kingsburg
City of Lathrop
City of Lindsay
City of Livingston
City of McFarland
City of Parlier
City of Patterson
City of Riverbank
City of Shafter
City of Sonora
City of Taft
City of Tehachapi
City of Wasco
City of Woodlake
City of Atwater
City of Ceres
City of Delano
City of Dinuba
City of Lemoore
City of Los Banos
City of Oakdale
City of Reedley
City of Ripon
City of Sanger
City of Selma
City of Clovis
City of Porterville
City of Tracy
City of Merced
City of Tulare
City of Madera
City of Turlock
Effective Date:
20132014
July 1,
Endorsement No.:
2
(7/01/20132014)
130
ENDORSEMENT NO. 3
It is understood that the Council Members of the City of Ceres are Covered Parties while acting in their
capacity as Tuolumne River Regional Park JPA Committee members.
Effective Date:
July 1, 20132014
Endorsement No.:
3
Endt. No. 3 (7/1/20132014)
131
ENDORSEMENT NO. 4
20132014-GL.
By reason of the action taken by the Central San Joaquin Valley Risk Management Authority Executive
Committee at a regularly scheduled meeting held on June 28, 2013, the Memorandum of Coverage for the
2013/14 program year is amended as set forth below as to the following Members:
City of Kingsburg
City of Madera
City of Turlock
Exclusion 8(c) is hereby amended to provide coverage, subject to the remaining terms, definitions and
exclusions within the Memorandum of Coverage, for the administration of medications in the regular
course of the Member’s custodial care programs, provided that the Member has adopted and adhered to all
of the provisions contained in the "Best Practices Policy" which the Executive Committee adopted on
May 27, 2010, to assist Members in the administration of such Medically Necessary Prescribed
Medications to Participants in their Custodial Care Programs. This endorsement of coverage shall apply
only to the Members named herein for the duration of the specified program year, and must be renewed
annually to remain effective during subsequent program years.
Effective Date:
20132014
July 1,
Endorsement No.:
4
Endt. No. 4 (7/1/1314)
132
ENDORSEMENT NO. 5
20132014-GL.
Coverage under this Memorandum of Coverage is hereby extended to any agency named below created
and operated by a Covered Party as a “successor agency,” pursuant to Health & Safety Code Sections
34169 et seq., to that Covered Party’s redevelopment agency, but only for those activities previously
performed by that redevelopment agency and not otherwise excluded herein.
There shall be no coverage under this Memorandum of Coverage for any “oversight board” created, by the
Covered Party or otherwise, pursuant to Health & Safety Code sections 34179 et seq. Notwithstanding the
foregoing, coverage under this Memorandum of Coverage shall be extended to an elected or appointed
official, employee or volunteer of the Covered Party who is appointed to such “oversight board,” while
acting for or on behalf of the Covered Party at the time of an Occurrence, as defined in this Memorandum
of Coverage, and not otherwise excluded herein.
All other terms, conditions, provisions, and limitations of the Memorandum of Coverage shall remain in
effect.
Successor Agency to the former Arvin Community
Redevelopment Agency
Successor Agency to the Atwater Redevelopment Agency
The City of Avenal as Successor Agency to the Avenal
Successor Agency to the former City of Ceres
The Successor Agency to the City of Hughson
The Successor Agency of the Huron Redevelopment Agency
Successor Agency to the Former Kerman Redevelopment
Agency
Kingsburg Redevelopment Agency Successor Agency
Kingsburg Redevelopment Agency Successor Housing
Agency
Successor Agency to the Former Lemoore Redevelopment
Agency
City of Lindsay as the Successor Agent for the Lindsay
Successor Agency to the Livingston Redevelopment Agency
Successor Agency to the former Stanislaus-Ceres
Chowchilla Redevelopment Successor Agency
Successor Agency to the former Clovis Community
Development Agency (“Successor Agency”)
Corcoran Housing Authority acting as the Successor
Agency
Successor Agency to the Corcoran Redevelopment Agency
Successor Agency to the Dinuba Redevelopment Agency
City of Exeter Successor Agency
City of Farmersville Successor Agency
City of Firebaugh, acting as the Successor Agency to the
former Firebaugh Redevelopment Agency
The City of Fowler as the Successor Agency to the City of
Fowler Redevelopment Agency
City of Gustine Redevelopment Successor Agency
City of Madera Successor Agency to the former Madera
City of Madera Successor Housing Agency to the former
Madera Redevelopment Agency
The McFarland City Council acting as Governing Body of
the Successor Agency to the McFarland Redevelopment
Agency
The City of Newman is the Successor Agency for the
Newman Redevelopment Agency
133
ENDORSEMENT NO. 5 – CONTINUED
Successor Agency to the Shafter Community Development
Agency
Successor Agency to the Redevelopment Agency of the City
of Sonora
City of Taft/Taft Successor Agency
Successor Agency of the Tehachapi Redevelopment Agency
Successor Agency of the Tracy Community Development
Agency
Tulare Redevelopment Successor Agency
Successor Agency to the Turlock Redevelopment Agency
The City of Wasco as the Successor of the former Wasco
The Waterford City Council is the Successor Agency to the
Former Waterford Redevelopment Agency
City of Woodlake Successor Agency to the Redevelopment
Agency
City of Oakdale as Successor to the Oakdale Central City
Successor Agency to the City of Orange Cove
Oversight Board for Successor Agency to the City of Parlier
Successor Agency to the Patterson Redevelopment Agency
Successor Agency to the Porterville Redevelopment
Agency
Successor Agency to the City of Reedley Redevelopment
Agency
Successor Agency to the Ripon Redevelopment Agency
Successor Agency to the City of San Joaquin
City of Sanger as Successor Agency to the Sanger
Successor Agency to the dissolved Selma Redevelopment
Agency
Effective Date:
Endorsement No.:
July 1, 20132014
5
Endt. No. 5
(7/1/1314)
134
ENDORSEMENT NO. 6
By reason of the action taken by the Central San Joaquin Valley Risk Management Authority
Executive Committee at a regularly scheduled meeting held on August 23, 2013, the decision
was made to remove the exclusion for the community correctional facilities.
The following amendments to exclusion six shall be made effective July 1, 2013:
(6)
Claims arising out of ownership, maintenance, management, supervision, or the condition
or operation of any hospital or, marina., or community correctional facility, except that coverage
for any community correctional facility may be extended by endorsement by the Executive
Committee of the Authority.
Effective Date:
July 1, 2013
Endorsement No.:
6
_
E AUTHORIZED REPRESENTATIVE
Endt. No. 6 (7/1/13)
135
CSJVRMA
June 26, 2014
LIABILITY PROGRAM
SUBJECT:
Attachment Point
The Pooled Liability Program Aggregate Pool was established in the 1985/86 program year and
is charged to the members through the retrospective adjustment process. The purpose of the
Liability Aggregate Pool is the same as the Workers’ Compensation Aggregate Pool, which is to
set a level beyond which no further losses of a program year may be charged to a member city's
deposit premium.
The aggregate attachment points were initially set by the actuary, but have been adjusted from
time to time as deemed necessary. The most recent year’s aggregate attachment points were
based on multiples of each member’s respective deposit premium, with the current attachment
point set at 1 ½ times the deposit premium.
As discussed at prior meetings, the Pooled Liability Program is beginning to experience adverse
loss development. In order to mitigate the likelihood of experiencing the same volatility as the
members cities have experienced in the Workers’ Compensation Program, staff recommends
increasing the Liability Aggregate Pool attachment points to 2 times a member’s deposit
premium.
Enclosed is a comparison of the Aggregate Pool at the current attachment point of 1 ½ times a
member’s deposit premium and at an attachment point of 2 times a member’s deposit premium.
Staff will discuss the comparison in detail with the Committee and answer any questions.
RECOMMENDATION:
Staff recommends the Executive Committee approve increasing the Pooled Liability Program
Aggregate Pool attachment point to 2 times each member’s deposit premium effective
July 1, 2014.

Comparison of Pooled Liability Program Aggregate Stop Losses at 1 ½ times a member’s
deposit premium and 2 times a member’s deposit premium
Agenda Item 8.D.
136
Liability Aggregate Pool Comparison
Evaluation of Aggregate Stop Loss ~ Currently 1.5 x Deposit Premium
Members
ANGELS
ARVIN
ATWATER
AVENAL
CERES
CHOWCHILLA
CLOVIS
CORCORAN
DELANO
DELANO CCF
DINUBA
DOS PALOS
ESCALON
EXETER
FARMERSVILLE
FIREBAUGH
FOWLER
GUSTINE
HANFORD
HUGHSON
HURON
KERMAN
KINGSBURG
LATHROP
LEMOORE
LINDSAY
LIVINGSTON
LOS BANOS
MADERA
MARICOPA
MC FARLAND
MENDOTA
MERCED
NEWMAN
OAKDALE
ORANGE COVE
PARLIER
PATTERSON
PORTERVILLE
REEDLEY
RIPON
RIVERBANK
SAN JOAQUIN
SANGER
SELMA
SHAFTER
SHAFTER CCF
SONORA
SUTTER CREEK
TAFT
TAFT CCF
TEHACHAPI
TRACY
TULARE
TURLOCK
WASCO
WATERFORD
WOODLAKE
1.5x
Agg Pool
377
518
1,426
404
2,181
818
4,141
757
2,053
522
1,405
219
376
509
352
328
299
238
2,872
229
259
553
713
803
1,093
653
584
1,748
2,538
149
265
290
4,906
396
1,493
287
479
945
2,691
1,283
944
744
149
1,349
53,901
1,041
778
407
524
176
493
363
527
5,503
3,188
3,907
652
9,551
186
372
63,451 63,451
09/10
2.0x
(23,282)
(4,668)
(28,210)
951
(102,562)
12,249
(84,405)
(34,253)
(145,069)
(2,305)
7,868
(238)
(10,658)
3,324
(22,116)
6,167
(2,572)
(4,491)
89,817
(12,008)
(1,951)
3,774
2,775
(15,635)
(10,361)
(66,427)
6,530
(12,294)
(32,725)
(8,517)
(6,651)
(20,179)
(32,799)
(8,723)
21,127
(12,156)
(13,772)
(70,831)
(250,232)
(1,752)
22,925
(22,155)
(6,757)
(36,997)
(92,761)
4,406
3,477
8,207
(9,727)
(29,183)
1,244
(18,405)
98,367
(13,442)
137,762
12,213
(24,083)
(4,484)
(856,654)
‐
Agg Pool
‐
(22,905)
(4,150)
(26,784)
1,355
(100,382)
13,067
(80,263)
(33,496)
(143,016)
(1,783)
9,274
(19)
(10,282)
3,832
(21,764)
6,495
(2,273)
(4,254)
92,689
(11,779)
(1,693)
4,327
3,488
(14,832)
(9,268)
(65,774)
7,114
(10,546)
(30,187)
(8,368)
(6,386)
(19,889)
(27,893)
(8,327)
22,619
(11,868)
(13,293)
(69,886)
(247,541)
(469)
23,869
(21,411)
(6,607)
(35,648)
(145,621)
5,185
3,884
8,731
(9,551)
(28,690)
1,607
(17,878)
103,870
(10,254)
141,668
12,865
(33,448)
(4,112)
(856,654)
Agg Pool
1.5x
219
336
884
272
1,331
410
2,830
495
1,282
314
811
141
214
39,686
332
222
213
195
168
1,850
131
143
374
473
453
664
459
377
1,057
1,611
101
227
207
3,010
254
844
224
299
551
1,750
851
536
454
101
786
616
499
255
339
101
334
217
337
3,245
2,108
2,413
436
123
203
39,686 39,686
10/11
Agg Pool
2.0x
11,958
38
(10,447)
59
(31,046)
155
2,069
48
89,863
233
(24,548)
72
(27,641)
495
20,059
86
49,916
224
17,538
55
78,098
142
4,599
25
13,027
37
(64,158)
6,937
58
12,950
39
6,119
37
(1,719)
34
4,172
29
(10,868)
323
5,948
23
25
198
17,249
65
(4,278)
83
40,045
79
26,037
116
8,418
80
(34,183)
66
(20,372)
185
69,360
282
(4,425)
18
(34,918)
40
(6,642)
36
(71,047)
526
11,865
44
26,922
148
(14,993)
39
2,056
52
33,928
96
31,587
306
17,266
149
43,129
94
18,518
79
3,875
18
9,739
137
59,234
108
(51,209)
87
13,125
45
19,183
59
7,284
18
(19,843)
58
13,624
38
59
(10,232)
256,662
567
84,986
368
171,433
422
1,936
76
3,694
21
(3,342)
36
861,760
6,937 6,937
12,139
(10,169)
(30,316)
2,294
90,961
(24,209)
(25,306)
20,468
50,974
17,798
78,767
4,715
13,203
(96,633)
13,133
6,295
(1,558)
4,311
(9,341)
6,057
316
17,558
(3,888)
40,420
26,585
8,796
(33,872)
(19,500)
70,690
(4,341)
(34,731)
(6,472)
(68,563)
12,075
27,619
(14,808)
2,303
34,383
33,031
17,968
43,572
18,893
3,958
10,388
59,743
(50,797)
13,336
19,463
7,367
(19,568)
13,804
(9,954)
259,340
86,725
173,424
2,295
3,795
(3,174)
861,760
137
CSJVRMA
June 26, 2014
PROPERTY PROGRAM
SUBJECT:
PEPIP Renewal for 2014/15
The 2014/15 renewal for the Public Entity Property Insurance Program (PEPIP) has been
received, with an overall rate increase of 9.17% over the expiring rate, which includes coverage
for both property and auto physical damage.
At the March Executive Committee meeting, the PEPIP broker, Alliant, informed the Committee
that due to the increase in the number of auto claims, the underwriters are asking that the
CSJVRMA consider increasing the deductible for this portion of coverage. The alternative is a
significant rate increase. The PEPIP underwriters offered three options for the 2014/15 renewal
as follows:
$10,000 Vehicle
Deductible (Same
as Expiring
Coverage)
Increase to a
$25,000 Vehicle
Deductible
$10,000 Vehicle Deductible,
except $25,000 for
Emergency Vehicles which
Includes Police Vehicles
PEPIP Premium:
2,344,683.09
2,091,825.77
2,172,494.03
Annual Broker Fee:
Total Annual Costas of 6/5/14:
Increase/ decrease
over 2013/14 at the
$10,000 Vehicle
Deductible:
105,000.00
2,449,683.09
105,000.00
2,196,825.77
105,000.00
2,277,494.03
+ 9.17%
-2.1%
+1.5%
Staff is recommending renewing the PEPIP coverage with the same deductibles as expiring for
the following reasons:

Once the CSJVRMA selects a higher deductible, this deductible is not likely to be offered
as an option in the future;

If the PEPIP deductible is increased, the limit of coverage for the pooled portion of the
program will need to increase. Because of the increased limit, those cities participating in
the pool would be charged an additional amount to fund the pool. Thus, the pool
participants would not experience a savings. Of the 46 cities participating in the Auto
Physical Damage Program, 37 participate in the pool; and

The deductible for the nine members that do not participate in the pool would increase by
$15,000, and without prior notice for those cities to consider the increase, it is unknown
whether they are financially able to take on the additional risk
Agenda Item 9.A., Page 1
138
CSJVRMA
June 26, 2014
On the property side of the coverage, an optional cyber coverage is being offered through PEPIP.
The current coverage provides has a $500,000 policy aggregate (or $1 million if a Beazley
vendor is used) for notification costs in the event of a security breach. The enhanced coverage
provides coverage allowing a maximum number of people to be notified. This coverage would
be on a per member basis and each city desiring the coverage would need to complete an
application. The cost of the additional premium depends upon a city’s revenue and the amount of
coverage selected. Staff sent an email to all cities in the Property Program explaining this
additional coverage.
RECOMMENDATION:
Staff recommends approval of the PEPIP renewal for the 2014/15 program year at a $10,000
deductible for auto physical damage coverage.
None
Agenda Item 9.A., Page 2
139
CSJVRMA
June 26, 2014
PROPERTY PROGRAM
SUBJECT:
TRIA Terrorism Coverage
Under the Terrorism Risk Insurance Act (TRIA) of 2002, a property policy holder has the right
to purchase insurance coverage for losses arising out of acts of terrorism, as defined in Section
102(1) of the Act (“Terrorism Coverage”): the term “act of terrorism” means any act that is
certified by the Secretary of the Treasury, in concurrence with the Secretary of State, and the
Attorney General of the United States to be an act of terrorism; to be a violent act or an act that is
dangerous to human life, property, or infrastructure; to have resulted in damage within the
United States, or outside the United States in the case of an air carrier or vessel or the premises
of a United States mission; and to have been committed by an individual or individuals; as part
of an effort to coerce the civilian population of the United States or to influence the policy or
affect the conduct of the United States by coercion. Each year, the property policy holder must
either elect or decline this coverage.
The CSJVRMA has historically declined to purchase the TRIA coverage, and staff recommends
the Executive Committee decline the TRIA coverage for the 2014/15 fiscal year. The Public
Agency Property Insurance Program (PEPIP) includes terrorism coverage for both domestic and
international incidents and does not require certification by the Secretary of the Treasury,
Secretary of State, and Attorney General of the United States in order to submit a claim.
RECOMMENDATION:
Staff recommends the Executive Committee decline TRIA coverage.

TRIA Acknowledgement Form
Agenda Item 9.B.
140
ALLIANT INSURANCE SERVICES
POLICYHOLDER DISCLOSURE
NOTICE OF TERRORISM
INSURANCE COVERAGE
June 5, 2014
Member: Central San Joaquin Valley Risk Management Authority
We are required to send you this notice pursuant to federal legislation concerning terrorism insurance.
You are hereby notified that under the Terrorism Risk Insurance Act of 2002, as amended ("TRIA"), that
you now have a right to purchase insurance coverage for losses arising out of acts of terrorism, as defined
in Section 102(1) of the Act, as amended: The term “act of terrorism” means any act that is certified by
the Secretary of the Treasury, in concurrence with the Secretary of State, and the Attorney General of the
United States-to be an act of terrorism; to be a violent act or an act that is dangerous to human life,
property, or infrastructure; to have resulted in damage within the United States, or outside the United
States in the case of an air carrier or vessel or the premises of a United States mission; and to have been
committed by an individual or individuals, as part of an effort to coerce the civilian population of the
United States or to influence the policy or affect the conduct of the United States Government by
coercion. Any coverage you purchase for "acts of terrorism" shall expire at 12:00 midnight December 31,
2014, the date on which the TRIA Program is scheduled to terminate or the expiry date of the policy
whichever occurs first, and shall not cover any losses or events which arise after the earlier of these dates.
YOU SHOULD KNOW THAT COVERAGE PROVIDED BY THIS POLICY FOR LOSSES CAUSED
BY CERTIFIED ACTS OF TERRORISM IS PARTIALLY REIMBURSED BY THE UNITED STATES
UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. HOWEVER, YOUR POLICY MAY
CONTAIN OTHER EXCLUSIONS WHICH MIGHT AFFECT YOUR COVERAGE, SUCH AS AN
EXCLUSION FOR NUCLEAR EVENTS. UNDER THIS FORMULA, THE UNITED STATES PAYS
85% OF COVERED TERRORISM LOSSES EXCEEDING THE STATUTORILY ESTABLISHED
DEDUCTIBLE PAID BY THE INSURER(S) PROVIDING THE COVERAGE. YOU SHOULD ALSO
KNOW THAT THE TERRORISM RISK INSURANCE ACT, AS AMENDED, CONTAINS A $100
BILLION CAP THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT AS WELL AS INSURERS'
LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE
AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS $100 BILLION. IF THE
AGGREGATE INSURED LOSSES FOR ALL INSURERS EXCEED $100 BILLION, YOUR
COVERAGE MAY BE REDUCED.
THE PREMIUM CHARGED FOR THIS COVERAGE IS PROVIDED BELOW AND DOES NOT
INCLUDE ANY CHARGES FOR THE PORTION OF LOSS COVERED BY THE FEDERAL
GOVERNMENT UNDER THE ACT.
Alliant Insurance Services, Inc. 1792 Tribute Rd, Suite 450 Sacramento, CA 95815
PHONE (916) 643-2700 FAX (916) 643-2750  www.alliant.com  License No. 0C36861
141
ALLIANT INSURANCE SERVICES
POLICYHOLDER DISCLOSURE
NOTICE OF TERRORISM
INSURANCE COVERAGE
SELECTION OR REJECTION OF TERRORISM INSURANCE COVERAGE
WHAT YOU NEED TO DO NOW:
PLEASE”X” ONE OF THE BOXES BELOW AND RETURN THIS FORM TO YOUR INSURANCE BROKER.
I am interested in receiving a quote for Terrorism coverage as required to be offered under the Act. Please provide me with
a quote.
I decline to purchase the Terrorism coverage as required to be offered under the Act.
_____________________________________________________
Policyholder/applicant signature
______________________________________________________
Print Name
___________
Date
Alliant Insurance Services, Inc. 1792 Tribute Rd, Suite 450 Sacramento, CA 95815
PHONE (916) 643-2700 FAX (916) 643-2750  www.alliant.com  License No. 0C36861
142
CSJVRMA
June 26, 2014
FINANCIAL MATTERS
SUBJECT:
Report by Marty Cassell, Chandler Asset Management, Regarding
Investments
An investment report for the period ending May 31, 2014, is included in the agenda packet. This
report is provided in compliance with the CSJVRMA’s goal to “Implement long-term strategies
to maintain and enhance CSJVRMA’s financial viability” and the corresponding objective to
“Maximize revenue, adhere to financial policy, and provide reporting to the Executive
Committee on a regular basis.” Mr. Marty Cassell, Chandler Asset Management, will be in
attendance to review the report with the Committee and answer any questions.
Mr. Cassell will also provide a full report to the Board of Directors at their meeting on
Friday, June 27, 2014.
RECOMMENDATION:
None

Investment Report for the CSJVRMA for the Period Ending May 31, 2014
Agenda Item 10.A.
143
CHANDLER ASSET MAN AGEMEN T
Executive Committee Investment Report
Central San Joaquin
Valley RMA
Period Ending
May 31, 2014
144
6225 Lusk Blvd
|
San Diego, CA 92121
|
Phone 800.317.4747
|
Fax 858.546.3741
|
www.chandlerasset.com
Account Profile
PORTFOLIO INSIGHT
Summary of Portfolio Characteristics
as of May 31, 2014
Name of Account
Average
Average
Maturity Modified
Book
(yrs)
Duration
Yield
Average
Quality
S&P/Moody
Market
Value
5/31/2014
Market
Value
2/28/2014
Claims Payment
2.69
2.50
1.20%
AA+/Aa1
$6,893,071
$6,869,302
Long Term Growth
4.15
3.75
2.05%
AA+/Aa1
$46,076,397
$45,647,810
$52,969,468
$52,517,112
$47,206,046
$45,030,201
$100,175,514
$97,547,313
CSJVRMA Total Market Value
Pool Participants
Total Market Value
2.69
2.50
1.20%
AA+/Aa1
145
Compliance
Claims Payment Account
May 31, 2014
COMPLIANCE WITH INVESTMENT POLICY
The portfolio complies with State law and with the Authority’s investment policy.
Category
Standard
Comment
Treasury/Agency Issues
No limits
Complies
Asset-backed/MBS
20% maximum
Complies
Banker’s Acceptances
A1/P1; 40% max; <180 days; AA
Complies
Commercial Paper
A1/P1 rated
Complies
25% maximum
Complies
Medium Term Notes
30% maximum; A-rated
Complies
Money Market Acct
15% maximum; AAA-rated
Complies
Mutual Funds
15% maximum; AAA-rated
Complies
Negotiable CDs
30% maximum
Complies
Repurchase Agreements
10% maximum; 1-year maximum
Complies
CMO's
Prohibited
Complies
Reverse Repos
Prohibited
Complies
Maximum Maturity
5 years
Complies
Duration
Approximately equal to duration of the claims
Complies
Max. maturity< 270 days
146
Sector Distribution
Central San Joaquin Valley RMA Pool
May 31, 2014
February 28, 2014
147
Investment Performance
Period Ending
May 31, 2014
Total Rate of Return
Annualized Since Inception
June 30, 1999
Annualized
3 months
12 months
2 years
3 years
5 years
10 years
Since Inception
0.39 %
1.14 %
1.00 %
1.45 %
2.30 %
3.63 %
4.45 %
1-5 yr Govt
0.33 %
0.87 %
0.60 %
1.15 %
1.86 %
3.24 %
4.06 %
Total rate of return: A measure of a portfolio's performance over time. It is the internal rate of return, which equates the beginning value of the portfolio with the ending value; it
includes interest earnings, realized and unrealized gains and losses in the portfolio.
148
Compliance
Long Term Growth Account
May 31, 2014
COMPLIANCE WITH INVESTMENT POLICY
Assets managed by Chandler Asset Management fully comply with State law and with the Authority’s
investment policy.
Category
Standard
Comment
Treasury/Agency Issues
No limits
Complies
Asset-backed/MBS
20% maximum
Complies
Banker’s Acceptances
A1/P1; 40% max; <180 days; AA
Complies
Commercial Paper
A1/P1 rated
Complies
25% maximum
Complies
Medium Term Notes
30% max.; A-rated; 5 yr. max.
Complies
Money Market Acct
15%; AAA-rated
Complies
Mutual Funds
15%; AAA-rated
Complies
Negotiable CDs
30% maximum
Complies
Repurchase Agreements
10% maximum; 1-year maximum
Complies
CMO's
Prohibited
Complies
Reverse Repos
Prohibited
Complies
Maximum Maturity
10 years
Complies
Duration
Approximately equal to duration of the
benchmark
Complies
Max. maturity< 270 days
149
Sector Distribution
Central San Joaquin Valley RMA Long Term Growth
May 31, 2014
February 28, 2014
150
Investment Performance
Period Ending
May 31, 2014
Total Rate of Return
Annualized Since Inception
June 30, 1999
Annualized
3 months
12 months
2 years
3 years
5 years
10 years
Since Inception
0.96 %
1.20 %
1.03 %
2.40 %
3.49 %
4.46 %
5.22 %
1-10 yr Govt
0.70 %
0.82 %
0.40 %
2.04 %
2.84 %
3.96 %
4.71 %
Total rate of return: A measure of a portfolio's performance over time. It is the internal rate of return, which equates the beginning value of the portfolio with the ending value; it
includes interest earnings, realized and unrealized gains and losses in the portfolio.
151
CSJVRMA
June 26, 2014
FINANCIAL MATTERS
SUBJECT:
Proposed Amendments to the Budget for Fiscal Year 2014/15
At the March 2014 Board of Directors meeting, staff presented a 2014/15 fiscal year budget for
approval. Staff noted that the rates for several programs were estimated, as the rates were
unknown. The final rates have been updated in the amended draft budget enclosed. Listed
below are highlights of the changes since presented at the March meeting:








Workers’ Compensation - $149k Increase, .9%
o Payroll Revised for City of Taft CCF - $1.75 million increase
o Excess Premium Increased $50k – 3%
Liability - $113k Decrease, (1.2%)
o Payroll Revised for City of Taft CCF - $1.75 million increase
o Excess Premium Decreased $133k – (6%)
Auto Physical Damage – $227k Increase, 69.1%
o Vehicle Values Increased $1.97 million, 1%
o Increase in vehicle count by 30
o Excess Premium – Increased $133K, 111%
Low Value Vehicle - $320 Increase, .8%
o Vehicle Values Increased $126k
o Increase in vehicle count by 4
Property – $354k Decrease, (12.3%)
o TIVs Decreased $4.77 million, 0.2%
o Excess Premium – Decreased $346k, (15%)
o Boiler/Machinery - $7,763 Decrease, (20%)
EAP – No Changes
ERMA - $184k Decrease, (11.7%)
o Payroll decreased of $10.8 million due to ERMA decision to exclude CCFs, (5%)
General Fund – $2,370 Decrease, (.3%)
o No changes to Indirect Expenses
RECOMMENDATION:
The Executive Committee recommend approval of the 2014/15 budget to the Board of Directors
as amended.

Updated Draft Budget for 2014/15 Fiscal Year
Agenda Item 10.B.
152
Updated for Approval at the June 27, 2013 Board Meeting
2014/15 ANNUAL OPERATING BUDGET
MEMBER CITY BUDGET TOTALS
TOTAL
COMPARISON WITH PRIOR YEAR
2014/15
2013/14
INCREASE/
DEPOSIT
DEPOSIT
(DECREASE)
$280,886
$223,309
$57,577
296,091
276,967
19,124
573,530
642,019
-68,488
302,270
284,930
17,340
1,550,195
1,379,992
170,202
426,267
349,832
76,434
1,164,066
1,053,863
110,203
497,712
394,546
103,166
1,568,657
1,214,441
354,216
875,647
781,983
93,664
144,831
133,320
11,511
174,508
188,707
-14,199
288,919
262,296
26,623
192,137
175,217
16,919
243,406
216,436
26,970
218,506
184,455
34,051
189,291
169,928
19,363
126,492
121,168
5,324
149,845
134,262
15,583
378,707
344,379
34,328
345,541
315,043
30,498
598,889
522,661
76,228
619,416
575,503
43,913
422,073
394,469
27,604
383,707
367,355
16,351
951,174
870,176
80,998
1,654,927
1,552,778
102,149
49,399
49,331
68
261,734
208,708
53,026
218,684
201,371
17,313
847,232
851,264
-4,032
245,863
217,788
28,075
797,755
790,568
7,187
227,205
203,470
23,735
281,365
276,427
4,938
653,548
566,964
86,584
1,076,691
940,780
135,911
868,090
714,975
153,114
561,103
486,955
74,148
385,028
345,421
39,608
89,962
82,781
7,180
653,655
635,203
18,453
613,506
534,453
79,053
1,177,278
573,576
603,702
334,279
296,918
37,360
128,921
115,112
13,808
795,707
350,017
445,690
441,893
353,842
88,050
2,866,327
2,676,931
189,397
2,033,595
1,809,761
223,835
592,242
602,320
-10,078
357,297
334,073
23,224
110,581
102,187
8,394
165,180
156,774
8,406
WORKCOMP
PROGRAM
$166,039
172,132
312,017
179,907
1,004,241
246,075
*
269,497
908,520
617,592
72,017
107,408
168,793
109,508
134,325
121,404
92,849
55,885
66,531
220,407
203,648
307,854
353,204
251,732
209,457
569,633
1,013,497
20,000
141,237
115,898
*
133,905
493,578
147,104
157,210
357,770
219,071
478,798
355,477
212,792
42,854
440,029
364,982
795,655
200,815
63,571
557,116
267,678
1,943,812
1,274,489
*
187,831
56,970
89,463
LIABILITY
PROGRAM
$57,189
80,300
150,617
72,348
343,799
99,170
757,174
111,831
343,461
212,513
32,239
47,676
82,436
51,934
56,498
46,373
39,693
25,914
31,943
93,853
83,668
118,694
161,195
101,178
82,934
271,393
379,448
20,000
67,041
53,202
661,612
68,999
172,116
56,140
69,248
163,623
500,553
217,549
125,215
97,806
20,000
161,839
156,482
264,932
82,406
24,054
155,918
99,271
656,585
492,991
540,786
95,426
30,029
39,429
HIGH APD
PROGRAM
$4,935
8,417
13,684
3,216
18,894
8,817
114,882
7,702
31,368
19,795
5,096
*
7,507
2,481
4,165
4,988
1,686
1,342
2,192
1,970
*
6,174
*
*
5,787
21,410
24,714
655
3,559
1,540
*
3,804
13,826
967
1,195
11,590
33,531
33,262
15,608
5,974
638
*
13,356
8,020
7,063
781
5,954
5,037
46,962
*
8,745
9,026
2,648
*
LOW APD
PROGRAM
$301
*
*
489
*
361
*
1,014
*
1,905
275
*
*
*
*
1,324
562
431
217
*
*
791
3,381
*
994
2,676
*
*
710
7,975
*
*
*
416
*
988
*
*
1,503
616
326
*
919
*
*
204
5,919
931
*
*
3,804
737
186
1,342
PROPERTY
PROGRAM
$26,710
24,661
53,922
35,395
64,311
36,791
246,321
68,111
120,984
4,319
19,659
*
19,648
18,996
38,659
19,624
28,398
26,102
34,266
28,966
21,913
92,007
52,150
57,039
46,174
66,651
121,294
1,693
12,543
19,542
*
16,223
45,239
*
30,080
72,775
179,015
78,016
48,870
37,317
14,125
35,869
31,129
47,278
14,202
32,145
31,815
31,247
163,430
131,162
*
36,240
12,640
26,089
GENERAL
ADMIN
$9,394
9,505
11,567
9,645
21,348
10,487
45,689
11,055
19,987
16,321
7,981
8,498
9,376
8,528
8,903
8,704
8,267
7,718
7,888
10,279
9,878
11,699
12,312
10,660
10,090
15,519
20,781
6,968
9,018
8,606
37,409
8,920
14,391
9,110
9,254
12,453
24,469
13,740
12,249
10,207
7,530
13,379
12,408
18,792
9,840
7,835
15,174
10,864
45,133
27,275
30,241
9,777
7,749
8,222
EAP
PROGRAM
$911
1,076
1,739
1,270
5,051
1,490
*
1,794
6,596
3,202
524
580
1,159
690
856
745
580
359
359
1,490
1,214
1,684
2,429
1,463
1,270
3,892
6,265
83
1,021
883
*
966
1,960
662
745
2,346
7,535
2,843
2,180
1,214
331
2,539
2,512
3,754
1,214
331
1,766
1,380
10,405
8,666
8,666
1,628
359
635
ERMA
PROGRAM
$15,407
*
29,984
*
92,550
23,075
*
26,708
137,740
*
7,040
10,347
*
*
*
15,345
17,257
8,740
6,448
21,741
25,220
59,985
34,745
*
27,002
*
88,928
*
26,605
11,038
148,211
13,046
56,645
12,806
13,633
32,004
112,518
43,883
*
19,102
4,158
*
31,718
38,848
18,738
*
22,046
25,485
*
99,012
*
16,632
*
*
Current Year
$17,052,278
$9,028,721
$554,961
$41,295
$2,521,756
$743,097
$115,313
$1,394,387
$31,451,808
Prior Year Actual
$14,461,442
$8,750,442
$225,117
$18,020
$1,997,427
$852,446
$103,831
$1,355,883
$27,608,006
18%
3%
147%
129%
26%
-13%
11%
3%
14%
MEMBER CITY:
1 ANGELS
2 ARVIN
3 ATWATER
4 AVENAL
5 CERES
6 CHOWCHILLA
7 CLOVIS
8 CORCORAN
9 DELANO
10 DINUBA
11 DOS PALOS
12 ESCALON
13 EXETER
14 FARMERSVILLE
15 FIREBAUGH
16 FOWLER
17 GUSTINE
18 HUGHSON
19 HURON
20 KERMAN
21 KINGSBURG
22 LATHROP
23 LEMOORE
24 LINDSAY
25 LIVINGSTON
26 LOS BANOS
27 MADERA
28 MARICOPA
29 MCFARLAND
30 MENDOTA
31 MERCED
32 NEWMAN
33 OAKDALE
34 ORANGE COVE
35 PARLIER
36 PATTERSON
37 PORTERVILLE
38 REEDLEY
39 RIPON
40 RIVERBANK
41 SAN JOAQUIN
42 SANGER
43 SELMA
44 SHAFTER
45 SONORA
46 SUTTER CREEK
47 TAFT
48 TEHACHAPI
49 TRACY
50 TULARE
51 TURLOCK
52 WASCO
53 WATERFORD
54 WOODLAKE
% Increase/Decrease
$27,608,006
$3,843,802
PERCENT
INCREASE/
DECREASE
26%
7%
-11%
6%
12%
22%
10%
26%
29%
12%
9%
-8%
10%
10%
12%
18%
11%
4%
12%
10%
10%
15%
8%
7%
4%
9%
7%
0%
25%
9%
0%
13%
1%
12%
2%
15%
14%
21%
15%
11%
9%
3%
15%
105%
13%
12%
127%
25%
7%
12%
-2%
7%
8%
5%
14%
* MEMBER DOES NOT PARTICIPATE IN THIS PROGRAM.
** CCF Refunds have been added to member city.
Note - CCF's and Hanford have withdrawn from Program effective 2012/13.
153
Page 1
WORKERS' COMPENSATION PROGRAM DEPOSIT PREMIUM
MEMBER CITY:
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
ANGELS
ARVIN
ATWATER
AVENAL
CERES
CHOWCHILLA
CORCORAN
DELANO
DINUBA
DOS PALOS
ESCALON
EXETER
FARMERSVILLE
FIREBAUGH
FOWLER
GUSTINE
HUGHSON
HURON
KERMAN
KINGSBURG
LATHROP
LEMOORE
LINDSAY
LIVINGSTON
LOS BANOS
MADERA
MARICOPA
MCFARLAND
MENDOTA
NEWMAN
OAKDALE
ORANGE COVE
PARLIER
PATTERSON
PORTERVILLE
REEDLEY
RIPON
RIVERBANK
SAN JOAQUIN
SANGER
SELMA
SHAFTER
SONORA
SUTTER CREEK
TAFT
TEHACHAPI
TRACY
TULARE
WASCO
WATERFORD
WOODLAKE
TOTAL
DEPOSIT
OPTION 1
COL 11
DEPOSIT
OPTION 2
COL 12
$166,039
172,132
312,017
179,907
1,004,241
246,075
269,497
908,520
617,592
72,017
107,408
168,793
109,508
134,325
121,404
92,849
55,885
66,531
220,407
203,648
307,854
353,204
251,732
209,457
569,633
1,013,497
20,000
141,237
115,898
133,905
493,578
147,104
157,210
357,770
219,071
478,798
355,477
212,792
42,854
440,029
364,982
795,655
200,815
63,571
557,116
267,678
1,943,812
1,274,489
187,831
56,970
89,463
$16,833,208
$219,071
2014/15
COST
DEPOSIT
PREMIUM
COL 13
PER $100
PAYROLL
COL 14
2013/14
DEPOSIT
COL 15
$166,039
172,132
312,017
179,907
1,004,241
246,075
269,497
908,520
617,592
72,017
107,408
168,793
109,508
134,325
121,404
92,849
55,885
66,531
220,407
203,648
307,854
353,204
251,732
209,457
569,633
1,013,497
20,000
141,237
115,898
133,905
493,578
147,104
157,210
357,770
219,071
478,798
355,477
212,792
42,854
440,029
364,982
795,655
200,815
63,571
557,116
267,678
1,943,812
1,274,489
187,831
56,970
89,463
$6.66
6.61
6.71
6.56
7.00
6.88
6.51
6.99
6.60
6.60
6.70
6.82
6.70
6.70
6.71
6.75
6.73
6.66
6.54
6.85
6.44
6.56
6.72
6.58
6.65
7.35
6.96
6.66
6.77
6.62
6.63
6.65
6.68
6.47
6.72
7.04
6.68
6.45
6.65
6.83
6.66
6.74
6.84
6.72
6.77
6.78
5.12
6.30
6.54
6.61
6.73
$126,063
163,074
363,701
161,743
873,870
192,164
203,522
661,446
546,597
68,085
114,964
153,670
100,407
116,749
103,889
83,555
53,917
59,194
200,505
179,166
270,384
317,347
228,253
199,439
516,363
948,414
20,000
105,839
102,932
116,955
494,926
123,024
149,005
290,132
206,943
409,365
303,429
188,196
40,294
419,137
317,625
343,719
168,644
53,116
202,036
201,329
1,791,308
1,087,107
173,806
53,111
92,981
$17,052,278
$6.51
$14,461,442
INCREASE/
(DECREASE)
COL 16
$39,976
9,058
(51,685)
18,164
130,371
53,911
65,975
247,074
70,995
3,932
(7,556)
15,123
9,101
17,576
17,515
9,294
1,968
7,337
19,903
24,482
37,470
35,857
23,480
10,018
53,270
65,083
0
35,398
12,966
16,950
(1,348)
24,080
8,205
67,638
12,128
69,433
52,048
24,596
2,559
20,892
47,357
451,936
32,171
10,455
355,080
66,349
152,504
187,382
14,024
3,858
(3,517)
$2,590,837
PERCENT
INCREASE/
DECREASE
32%
6%
-14%
11%
15%
28%
32%
37%
13%
6%
-7%
10%
9%
15%
17%
11%
4%
12%
10%
14%
14%
11%
10%
5%
10%
7%
0%
33%
13%
14%
0%
20%
6%
23%
6%
17%
17%
13%
6%
5%
15%
131%
19%
20%
176%
33%
9%
17%
8%
7%
-4%
18%
Page 2
154
WORKERS' COMPENSATION PROGRAM COSTS
ACTUAL 2013
MEMBER CITY:
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
ANGELS
ARVIN
ATWATER
AVENAL
CERES
CHOWCHILLA
CORCORAN
DELANO
DINUBA
DOS PALOS
ESCALON
EXETER
FARMERSVILLE
FIREBAUGH
FOWLER
GUSTINE
HUGHSON
HURON
KERMAN
KINGSBURG
LATHROP
LEMOORE
LINDSAY
LIVINGSTON
LOS BANOS
MADERA
MARICOPA
MCFARLAND
MENDOTA
NEWMAN
OAKDALE
ORANGE COVE
PARLIER
PATTERSON
PORTERVILLE
REEDLEY
RIPON
RIVERBANK
SAN JOAQUIN
SANGER
SELMA
SHAFTER
SONORA
SUTTER CREEK
TAFT
TEHACHAPI
TRACY
TULARE
WASCO
WATERFORD
WOODLAKE
TOTAL
COLUMN 4 NOTE:
CALENDAR
YEAR
PAYROLL
COL 1
P/R
DISTRIB
COL 2
EXPECTED
LOSSES
$0-500K
COL 3
$2,493,022
2,602,553
4,647,868
2,741,434
14,346,800
3,576,926
4,140,115
12,997,443
9,361,965
1,091,312
1,603,824
2,474,846
1,633,576
2,005,989
1,808,461
1,374,796
830,982
999,518
3,370,295
2,972,419
4,778,870
5,385,992
3,748,505
3,182,393
8,566,885
13,785,177
86,367
2,119,540
1,711,073
2,022,439
7,448,496
2,211,271
2,354,216
5,526,487
17,442,036
6,802,580
5,324,248
3,298,425
644,529
6,444,390
5,481,771
11,812,396
2,934,692
946,639
8,223,795
3,950,483
37,934,773
20,225,035
2,872,006
861,520
1,330,300
0.00902
0.00941
0.01681
0.00991
0.05188
0.01293
0.01497
0.04700
0.03385
0.00395
0.00580
0.00895
0.00591
0.00725
0.00654
0.00497
0.00301
0.00361
0.01219
0.01075
0.01728
0.01948
0.01356
0.01151
0.03098
0.04985
0.00031
0.00766
0.00619
0.00731
0.02694
0.00800
0.00851
0.01999
0.06307
0.02460
0.01925
0.01193
0.00233
0.02330
0.01982
0.04272
0.01061
0.00342
0.02974
0.01429
0.13718
0.07314
0.01039
0.00312
0.00481
$131,133
136,894
244,478
144,199
754,642
188,146
217,770
683,665
492,439
57,403
84,361
130,177
85,926
105,515
95,125
72,314
43,710
52,575
177,278
156,349
251,369
283,303
197,171
167,394
450,618
725,100
4,543
111,488
90,002
106,380
391,791
116,313
123,832
290,693
917,451
357,816
280,055
173,497
33,902
338,975
288,341
621,332
154,365
49,793
432,572
207,795
1,995,369
1,063,837
151,068
45,316
69,974
$276,531,472
1.00000
$14,545,555
EXPER
MOD
COL 4
0.998
0.990
1.008
0.981
1.058
1.037
0.972
1.056
0.987
0.987
1.005
1.026
1.006
1.005
1.008
1.015
1.010
0.998
0.977
1.032
0.960
0.980
1.008
0.984
0.996
1.120
1.050
0.999
1.018
0.991
0.992
0.997
1.001
0.965
1.008
1.065
1.001
0.961
0.996
1.028
0.998
1.011
1.030
1.008
1.018
1.019
0.728
0.935
0.977
0.990
1.010
MODIFIED
EXPECTED
LOSSES
COL 5
ADJUSTED
EXPECTED
LOSSES
COL 6
EXCESS
PREMIUM
$500K - Statutory
COL 7
$130,897
135,536
246,314
141,464
798,342
195,064
211,606
722,081
486,068
56,684
84,756
133,608
86,427
105,994
95,840
73,373
44,131
52,445
173,204
161,321
241,273
277,696
198,736
164,784
448,942
812,008
4,771
111,354
91,632
105,456
388,770
115,946
123,993
280,641
925,060
380,972
280,359
166,814
33,774
348,374
287,718
628,473
159,043
50,187
440,484
211,647
1,452,870
994,842
147,605
44,856
70,646
$134,795
139,573
253,650
145,677
822,119
200,873
217,908
743,587
500,545
58,372
87,280
137,588
89,001
109,150
98,694
75,558
45,445
54,007
178,362
166,125
248,459
285,966
204,655
169,692
462,313
836,191
4,913
114,670
94,362
108,596
400,349
119,399
127,686
288,999
952,611
392,319
288,709
171,782
34,780
358,749
296,287
647,190
163,780
51,682
453,603
217,951
1,496,139
1,024,471
152,001
46,192
72,750
$13,884
14,494
25,884
15,267
79,897
19,920
23,056
72,383
52,137
6,078
8,932
13,782
9,097
11,171
10,071
7,656
4,628
5,566
18,769
16,553
26,613
29,995
20,875
17,723
47,709
76,769
481
11,804
9,529
11,263
41,481
12,315
13,111
30,777
97,134
37,883
29,651
18,369
3,589
35,889
30,528
65,783
16,343
5,272
45,798
22,000
211,258
112,633
15,994
4,798
7,408
$14,124,884
$14,545,555
$1,540,000
CLAIMS
HANDLING
EXPENSE
COL 8
$9,454
9,869
17,625
10,396
54,404
13,564
15,700
49,287
35,501
4,138
6,082
9,385
6,195
7,607
6,858
5,213
3,151
3,790
12,780
11,272
18,122
20,424
14,215
12,068
32,486
52,275
328
8,037
6,489
7,669
28,245
8,385
8,927
20,957
66,142
25,796
20,190
12,508
2,444
24,438
20,787
44,794
11,129
3,590
31,185
14,981
143,852
76,695
10,891
3,267
5,045
PROGRAM
INDIRECT
EXPENSE
COL 9
TOTAL
WORKCOMP
COST
COL 10
$7,907
8,197
14,858
8,567
47,821
11,718
12,833
43,263
29,409
3,429
5,115
8,038
5,215
6,396
5,781
4,421
2,661
3,168
10,496
9,698
14,660
16,819
11,987
9,974
27,125
48,262
286
6,726
5,519
6,376
23,504
7,005
7,486
17,037
55,794
22,800
16,927
10,133
2,041
20,954
17,380
37,888
9,563
3,027
26,529
12,747
92,562
60,690
8,944
2,713
4,260
$166,039
172,132
312,017
179,907
1,004,241
246,075
269,497
908,520
617,592
72,017
107,408
168,793
109,508
134,325
121,404
92,849
55,885
66,531
220,407
203,648
307,854
353,204
251,732
209,457
569,633
1,013,497
6,008
141,237
115,898
133,905
493,578
147,104
157,210
357,770
1,171,681
478,798
355,477
212,792
42,854
440,029
364,982
795,655
200,815
63,571
557,116
267,678
1,943,812
1,274,489
187,831
56,970
89,463
$1,048,632
$856,709
$17,990,897
1,048,632
This column is for the mid-layer pool which was previously funded by bond proceeds. This pool is now in a deficit position requiring premium to be collected.
Page 3
155
WORKERS' COMPENSATION PROGRAM NOTES AND QUOTATIONS
NOTES FOR PAGES 2 AND 3
COL 1
COL 2
COL 3
COL
COL
COL
COL
COL
5
4
5
6
7
COL 8
COL 9
COL 10
COL 11
COL 12
COL 13
COL 14
COL 15
COL 16
ACTUAL 2013 CALENDAR YEAR PAYROLL
PR DISTRIBUTION
EXPECTED LOSSES - PRIMARY POOL ($0 - $500K)*
COL 1 DIVIDED BY TOTAL OF COL 1
INCREASE OVER PRIOR YEAR:
ACTUARIAL REPORT
RATE =
$5.260
PER $100 PAYROLL (85% Confidence Level)
PER $100 PAYROLL (85% Confidence Level)
PRIOR YEAR RATE
$4.694
TOTAL EXPECTED LOSSES $0-$500K
SUM OF COLUMNS 3 & 4
EXPERIENCE MODIFICATION
CALCULATION ON PAGE 5
MODIFIED EXPECTED LOSSES
COL 5 TIMES COL 6
ADJUSTED EXPECTED LOSSES
THE DIFFERENCE BETWEEN COL 7 AND COL 8 IS REALLOCATED BASED ON COL 5 SO THAT COL 8 MATCHES COL 5 IN TOTAL
INCREASE OVER PRIOR YEAR:
EXCESS PREMIUM
BLENDED RATE QUOTED BY LAWCX
$0.557
PER $100 PAYROLL ($500,000 SIR)
PER $100 PAYROLL ($500,000 SIR)
PRIOR YEAR RATE
$0.491
CLAIMS HANDLING EXPENSE
THIRD PARTY ADMINISTRATOR'S COST
PROGRAM INDIRECT EXPENSE
5% OF THE TOTAL OF COL 6 THROUGH COL 8
TOTAL WORKERS' COMP COST
SUM OF COL 8 THROUGH COL 11
DEPOSIT AMOUNT FOR CITIES IN OPTION ONE, COLUMN 12 OR $20,000 WHICHEVER IS GREATER
DEPOSIT AMOUNT FOR CITIES IN OPTION TWO (PAY AS YOU GO), SUM OF COL 10 LESS COL 6
TOTAL BILLINGS TO BE COLLECTED IN CURRENT YEAR
CURRENT YEAR BILLING DIVIDED BY ESTIMATED PAYROLL TIMES 100 (COL 13/COL 1 X 100)
ACTUAL AMOUNT COLLECTED IN PRIOR YEAR
COL 13 LESS COL 15
12%
13%
*Note: Effective with the 2009/10 fiscal year, the primary pool was increased to provide coverage from $0 - $500,000 and the mid-layer pool has been eliminated.
THE CALCULATIONS BELOW REPRESENT PRICING INDICIATIONS FOR THOSE CITIES WHO ARE NOT CURRENTLY
IN THE WORKCOMP PROGRAM. FOR A FIRM QUOTE, WHICH WILL INCLUDE CALCULATIONS OF AN EXPERIENCE
MODIFIER, PLEASE CONTACT THE ADMINISTRATOR.
CITY:
CLOVIS
MERCED
TURLOCK
TOTAL
ACTUAL 2013
CALENDAR
YEAR
PAYROLL
EXPECTED
LOSSES
$0-500K
EXPECTED
LOSSES
38,486,165
30,275,008
23,165,755
$2,024,372
$1,592,465
$1,218,519
$2,024,372
1,592,465
1,218,519
$91,926,929
$4,835,356
$4,835,356
EXPER
MOD
1.000
1.000
1.000
LOSS
RESERVE
EXCESS
PREMIUM
CLAIMS
HANDLING
EXPENSE
TOTAL
DIRECT
COST
$2,024,372
1,592,465
1,218,519
$214,329
168,601
129,010
$145,943
114,806
87,847
$2,384,644
1,875,872
1,435,375
$4,835,356
$511,940
$348,595
$5,695,891
PROGRAM
INDIRECT
EXPENSE
$119,232
93,794
71,769
$284,795
0.003792089
ESTIMATED
ANNUAL
COST
MINIMUM
DEPOSIT
$2,503,876
1,969,666
1,507,144
$2,503,876
1,969,666
1,507,144
$5,980,686
$5,980,686
Page 4
156
WORKERS' COMPENSATION PROGRAM DEPOSIT PREMIUM EXPERIENCE MODIFICATION PROCESS
MEMBER CITY:
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
ANGELS
ARVIN
ATWATER
AVENAL
CERES
CHOWCHILLA
CORCORAN
DELANO AND CCF
DINUBA
DOS PALOS
ESCALON
EXETER
FARMERSVILLE
FIREBAUGH
FOWLER
GUSTINE
HUGHSON
HURON
KERMAN
KINGSBURG
LATHROP
LEMOORE
LINDSAY
LIVINGSTON
LOS BANOS
MADERA
MARICOPA
MCFARLAND
MENDOTA
NEWMAN
OAKDALE
ORANGE COVE
PARLIER
PATTERSON
PORTERVILLE
REEDLEY
RIPON
RIVERBANK
SAN JOAQUIN
SANGER
SELMA
SHAFTER AND CCF
SONORA
SUTTER CREEK
TAFT AND CCF
TEHACHAPI
TRACY
TULARE AND YSB
WASCO
WATERFORD
WOODLAKE
TOTAL
5 YEAR
5 YEAR
5 YEAR
AVG ADJUSTED AVG ADJUSTED LOSS RATE
PAYROLL
LOSSES
$100 PR
AVERAGE
EXPECTED
LOSSES
$2,241,752
2,758,309
7,383,239
2,048,461
14,223,208
3,599,498
3,721,020
13,403,472
8,753,393
1,137,106
2,108,369
2,416,061
1,785,027
1,906,859
1,771,505
1,379,184
1,078,862
1,160,439
3,307,196
3,431,815
4,898,606
5,735,448
4,223,212
3,500,348
9,174,848
15,050,488
242,513
1,462,640
1,453,262
1,950,944
8,957,510
1,762,763
2,472,030
4,765,065
17,318,030
6,643,272
5,705,617
3,545,100
647,327
7,292,633
5,834,721
7,363,116
3,109,639
1,037,373
5,120,455
3,254,477
39,029,919
21,243,792
3,030,990
833,467
1,538,782
$70,861
66,905
268,760
19,150
632,099
218,176
50,976
599,932
261,137
5,352
83,419
150,870
75,548
76,245
79,523
85,056
61,739
32,628
51,040
199,437
59,476
141,313
163,312
77,007
299,616
823,069
140,398
46,165
96,685
42,911
281,782
51,142
86,791
69,663
605,857
394,397
195,267
18,155
11,844
318,923
191,078
278,562
184,654
55,827
220,834
158,550
600,516
545,688
41,882
1,414
77,190
$3.16
2.43
3.64
0.93
4.44
6.06
1.37
4.48
2.98
0.47
3.96
6.24
4.23
4.00
4.49
6.17
5.72
2.81
1.54
5.81
1.21
2.46
3.87
2.20
3.27
5.47
57.89
3.16
6.65
2.20
3.15
2.90
3.51
1.46
3.50
5.94
3.42
0.51
1.83
4.37
3.27
3.78
5.94
5.38
4.31
4.87
1.54
2.57
1.38
0.17
5.02
$75,600
93,020
248,988
69,081
479,656
121,388
125,486
452,011
295,195
38,347
71,101
81,478
60,197
64,306
59,741
46,511
36,383
39,134
111,530
115,733
165,198
193,419
142,421
118,044
309,408
507,554
8,178
49,325
49,009
65,793
302,078
59,446
83,365
160,694
584,024
224,034
192,413
119,553
21,830
245,933
196,767
248,310
104,868
34,984
172,679
109,752
1,316,224
716,414
102,215
28,107
51,893
$277,813,161
$9,368,820
$3.37
$9,368,820
MEMBER
EXPERIENCE
RATIO
0.937
0.719
1.079
0.277
1.318
1.797
0.406
1.327
0.885
0.140
1.173
1.852
1.255
1.186
1.331
1.829
1.697
0.834
0.458
1.723
0.360
0.731
1.147
0.652
0.968
1.622
17.167
0.936
1.973
0.652
0.933
0.860
1.041
0.434
1.037
1.760
1.015
0.152
0.543
1.297
0.971
1.122
1.761
1.596
1.279
1.445
0.456
0.762
0.410
0.050
1.487
CREDIBILITY DEVIATION
FACTOR
FROM
CREDIBLE
LOSS RATIO
NORM
DEVIATION
0.029
0.035
0.095
0.026
0.182
0.046
0.048
0.172
0.112
0.015
0.027
0.031
0.023
0.024
0.023
0.018
0.014
0.015
0.042
0.044
0.063
0.073
0.054
0.045
0.118
0.193
0.003
0.019
0.019
0.025
0.115
0.023
0.032
0.061
0.222
0.085
0.073
0.045
0.008
0.093
0.075
0.094
0.040
0.013
0.066
0.042
0.500
0.272
0.039
0.011
0.020
0.063
0.281
-0.079
0.723
-0.318
-0.797
0.594
-0.327
0.115
0.860
-0.173
-0.852
-0.255
-0.186
-0.331
-0.829
-0.697
0.166
0.542
-0.723
0.640
0.269
-0.147
0.348
0.032
-0.622
-16.167
0.064
-0.973
0.348
0.067
0.140
-0.041
0.566
-0.037
-0.760
-0.015
0.848
0.457
-0.297
0.029
-0.122
-0.761
-0.596
-0.279
-0.445
0.544
0.238
0.590
0.950
-0.487
0.002
0.010
-0.008
0.019
-0.058
-0.037
0.028
-0.056
0.013
0.013
-0.005
-0.026
-0.006
-0.005
-0.008
-0.015
-0.010
0.002
0.023
-0.032
0.040
0.020
-0.008
0.016
0.004
-0.120
-0.050
0.001
-0.018
0.009
0.008
0.003
-0.001
0.035
-0.008
-0.065
-0.001
0.039
0.004
-0.028
0.002
-0.011
-0.030
-0.008
-0.018
-0.019
0.272
0.065
0.023
0.010
-0.010
MEMBER
EXPERIENCE
MODIFIER
0.998
0.990
1.008
0.981
1.058
1.037
0.972
1.056
0.987
0.987
1.005
1.026
1.006
1.005
1.008
1.015
1.010
0.998
0.977
1.032
0.960
0.980
1.008
0.984
0.996
1.120
1.050
0.999
1.018
0.991
0.992
0.997
1.001
0.965
1.008
1.065
1.001
0.961
0.996
1.028
0.998
1.011
1.030
1.008
1.018
1.019
0.728
0.935
0.977
0.990
1.010
5 YEAR AVERAGE ADJUSTED LOSSES:
2008/09 THRU 2012/13 LOSSES EXCESS
OF $500,000 AS OF 6/30/13.
5 YEAR AVERAGE ADJUSTED PAYROLL:
2008/09 THRU 2012/13.
5 YEAR AVERAGE LOSS RATE:
DETERMINED BY DIVIDING AVERAGE
LOSSES BY AVERAGE PAYROLL
AVERAGE EXPECTED LOSSES:
DETERMINED BY THE PRODUCT OF THE
GROUP'S LOSS RATE MULTIPLIED BY
THE INDIVIDUAL AVERAGE ADJUSTED
PAYROLL.
MEMBER EXPERIENCE RATIO:
IS THE RATIO OF 5 YEAR AVERAGE
ADJUSTED LOSSES TO AVERAGE
EXPECTED LOSSES.
CREDIBILITY FACTOR - LOSS RATIO:
INDIVIDUAL MEMBERS AVERAGE
ADJUSTED PAYROLL DIVIDED BY
LARGEST MEMBERS AVERAGE
ADJUSTED PAYROLL MULTIPLIED
BY 0.500.
DEVIATION FROM NORM:
1 MINUS THE MEMBER EXPERIENCE
RATIO.
CREDIBLE DEVIATION:
DEVIATION MULTIPLIED BY THE
CREDIBILITY FACTOR.
EXPERIENCE MODIFIER
1 MINUS THE CREDIBLE DEVIATION
0.500
Page 5
157
POOLED LIABILITY PROGRAM BUDGET
MEMBER CITY:
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
ANGELS
ARVIN
ATWATER
AVENAL
CERES
CHOWCHILLA
CLOVIS
CORCORAN
DELANO
DINUBA
DOS PALOS
ESCALON
EXETER
FARMERSVILLE
FIREBAUGH
FOWLER
GUSTINE
HUGHSON
HURON
KERMAN
KINGSBURG
LATHROP
LEMOORE
LINDSAY
LIVINGSTON
LOS BANOS
MADERA
MARICOPA
MCFARLAND
MENDOTA
MERCED
NEWMAN
OAKDALE
ORANGE COVE
PARLIER
PATTERSON
PORTERVILLE
REEDLEY
RIPON
RIVERBANK
SAN JOAQUIN
SANGER
SELMA
SHAFTER
SONORA
SUTTER CREEK
TAFT
TEHACHAPI
TRACY
TULARE
TURLOCK
WASCO
WATERFORD
WOODLAKE
TOTAL
POOLED
LOSSES
$0-1MM
CLAIM
SERVICING
$33,545
51,702
98,845
44,535
205,548
62,049
395,225
69,309
213,209
123,821
20,533
30,770
54,742
33,749
35,465
28,342
25,129
16,768
20,820
58,712
52,545
71,739
102,641
62,856
50,844
180,591
237,310
4,099
43,746
34,424
378,158
45,782
100,841
34,170
44,104
106,133
328,332
140,470
73,609
62,240
11,918
98,084
100,645
156,081
53,089
14,893
84,140
60,454
315,782
293,929
312,287
62,554
20,110
25,445
$14,883
15,537
27,747
16,366
85,649
21,354
229,760
24,716
77,594
55,890
6,515
9,575
14,775
9,752
11,976
10,796
8,207
4,961
5,967
20,120
17,745
28,530
32,154
22,378
18,999
51,144
82,297
516
12,654
10,215
180,740
12,074
44,467
13,201
14,055
32,993
104,128
40,611
31,785
19,691
3,848
38,473
32,726
70,519
17,520
5,651
49,097
23,584
226,468
120,742
138,298
17,146
5,143
7,942
$6,038
9,237
16,853
8,002
36,230
11,045
96,133
12,481
36,303
22,682
3,656
5,061
8,994
5,959
6,367
5,026
4,466
2,951
3,635
10,551
9,394
12,773
18,724
11,126
9,141
26,735
41,773
720
7,448
6,030
71,209
7,857
18,612
6,095
7,792
16,705
44,257
26,108
13,858
11,217
2,109
17,576
15,660
25,716
7,872
2,364
15,256
10,506
83,069
54,844
64,449
11,182
3,346
4,165
$2,723
3,824
7,172
3,445
16,371
4,722
36,056
5,325
16,355
10,120
1,535
2,270
3,926
2,473
2,690
2,208
1,890
1,234
1,521
4,469
3,984
5,652
7,676
4,818
3,949
12,923
18,069
267
3,192
2,533
31,505
3,286
8,196
2,673
3,298
7,792
23,836
10,359
5,963
4,657
894
7,707
7,452
12,616
3,924
1,145
7,425
4,727
31,266
23,476
25,752
4,544
1,430
1,878
$57,189
80,300
150,617
72,348
343,799
99,170
757,174
111,831
343,461
212,513
32,239
47,676
82,436
51,934
56,498
46,373
39,693
25,914
31,943
93,853
83,668
118,694
161,195
101,178
82,934
271,393
379,448
5,602
67,041
53,202
661,612
68,999
172,116
56,140
69,248
163,623
500,553
217,549
125,215
97,806
18,769
161,839
156,482
264,932
82,406
24,054
155,918
99,271
656,585
492,991
540,786
95,426
30,029
39,429
$57,189
80,300
150,617
72,348
343,799
99,170
757,174
111,831
343,461
212,513
32,239
47,676
82,436
51,934
56,498
46,373
39,693
25,914
31,943
93,853
83,668
118,694
161,195
101,178
82,934
271,393
379,448
20,000
67,041
53,202
661,612
68,999
172,116
56,140
69,248
163,623
500,553
217,549
125,215
97,806
20,000
161,839
156,482
264,932
82,406
24,054
155,918
99,271
656,585
492,991
540,786
95,426
30,029
39,429
$2.29
3.09
3.24
2.64
2.40
2.77
1.97
2.70
2.64
2.27
2.95
2.97
3.33
3.18
2.82
2.56
2.89
3.12
3.20
2.78
2.81
2.48
2.99
2.70
2.61
3.17
2.75
23.16
3.16
3.11
2.19
3.41
2.31
2.54
2.94
2.96
2.87
3.20
2.35
2.97
3.10
2.51
2.85
2.24
2.81
2.54
1.90
2.51
1.73
2.44
2.33
3.32
3.49
2.96
$51,686
79,638
169,162
74,335
335,886
98,179
810,788
100,820
283,797
206,164
33,352
51,844
78,881
52,076
57,849
43,587
40,222
26,800
32,152
89,674
82,942
118,170
158,543
107,056
83,371
272,590
384,247
20,000
59,599
52,932
665,544
65,965
187,304
57,650
73,893
164,360
458,349
181,804
125,320
96,496
20,000
169,021
150,024
141,307
82,225
23,171
78,413
90,513
653,402
473,898
567,461
95,708
30,419
41,855
$5,386,866
$2,199,674
$997,356
$429,195
$9,013,091
$9,028,721
$2.45
$8,750,442
INDIRECT
EXPENSE
CALCULATED
BUDGET
2014/15
DEPOSIT
PREMIUM
PERCENT
2013/14
Increase
INCREASE/
DEPOSIT
(Decrease)
DECREASE
CARMA
PREMIUM
$1MM-29MM
COST
$100/PR
$5,504
662
(18,545)
(1,987)
7,913
991
(53,614)
11,010
59,664
6,349
(1,113)
(4,168)
3,556
(143)
(1,351)
2,786
(529)
(887)
(209)
4,179
726
525
2,652
(5,878)
(437)
(1,197)
(4,799)
0
7,442
270
(3,933)
3,034
(15,188)
(1,511)
(4,645)
(737)
42,204
35,745
(105)
1,310
0
(7,182)
6,458
123,624
181
882
77,505
8,757
3,183
19,093
(26,675)
(281)
(390)
(2,426)
$278,279
11%
1%
-11%
-3%
2%
1%
-7%
11%
21%
3%
-3%
-8%
5%
0%
-2%
6%
-1%
-3%
-1%
5%
1%
0%
2%
-5%
-1%
0%
-1%
0%
12%
1%
-1%
5%
-8%
-3%
-6%
0%
9%
20%
0%
1%
0%
-4%
4%
87%
0%
4%
99%
10%
0%
4%
-5%
0%
-1%
-6%
%
CHANGE
2014/15
2013/14
$5,386,866
$5,226,479
3%
$1.462
$1.489
-2%
$2,199,674
$2,115,353
4%
$0.5970
$0.6027
-1%
$997,356
550
1,813
$977,800
550
1,778
2%
0%
2%
$429,195
$415,982
3%
CALCULATED BUDGET
THIS IS THE SUM OF ALL DIRECT
AND INDIRECT EXPENSES.
$9,013,091
$8,735,613
3%
2014/15 DEPOSIT
CALCULATED BUDGET FROM PRIOR
COLUMN SUBJECT TO A $20,000
MINIMUM.
$9,028,721
$8,750,442
3%
POOLED LOSSES
($1 - $1,000,000) FROM P. 7
EXPECTED LOSS RATE PER $100/PAYROLL
AT THE 80% CONFIDENCE LEVEL:
$0 - $500K Layer
CARMA EXCESS PREMIUM
($1,000,000 - $29,000,000)
RATE PER $100/PAYROLL
CLAIM SERVICING
PROVIDED BY CONTRACT WITH AIMS
EXPECTED NUMBER OF CLAIMS
EXPECTED AVG COST/CLAIM
INDIRECT EXPENSE
A PORTION OF THE GENERAL OPERATING
BUDGET OF THE RMA IS ALLOCATED TO
THE LIABILITY PROGRAM FOR THOSE
SERVICES THAT ARE RELATED TO THE
LIABILITY PROGRAM BUT NOT SHOWN AS
A DIRECT COST. THIS IS CALCULATED
AS 5% OF THE TOTAL DIRECT COSTS.
3%
2,199,674
Page 6
158
POOLED LIABILITY PROGRAM BUDGET COST DISTRIBUTION
ACTUAL 2013
MEMBER CITY:
ANGELS
ARVIN
ATWATER
AVENAL
CERES
CHOWCHILLA
CLOVIS
CORCORAN
DELANO
DINUBA
DOS PALOS
ESCALON
EXETER
FARMERSVILLE
FIREBAUGH
FOWLER
GUSTINE
HUGHSON
HURON
KERMAN
KINGSBURG
LATHROP
LEMOORE
LINDSAY
LIVINGSTON
LOS BANOS
MADERA
MARICOPA
MCFARLAND
MENDOTA
MERCED
NEWMAN
OAKDALE
ORANGE COVE
PARLIER
PATTERSON
PORTERVILLE
REEDLEY
RIPON
RIVERBANK
SAN JOAQUIN
SANGER
SELMA
SHAFTER
SONORA
SUTTER CREEK
TAFT
TEHACHAPI
TRACY
TULARE
TURLOCK
WASCO
WATERFORD
WOODLAKE
TOTAL
CALENDAR
YEAR
PAYROLL
$2,493,022
2,602,553
4,647,868
2,741,434
14,346,800
3,576,926
38,486,165
4,140,115
12,997,443
9,361,965
1,091,312
1,603,824
2,474,846
1,633,576
2,005,989
1,808,461
1,374,796
830,982
999,518
3,370,295
2,972,419
4,778,870
5,385,992
3,748,505
3,182,393
8,566,885
13,785,177
86,367
2,119,540
1,711,073
30,275,008
2,022,439
7,448,496
2,211,271
2,354,216
5,526,487
17,442,036
6,802,580
5,324,248
3,298,425
644,529
6,444,390
5,481,771
11,812,396
2,934,692
946,639
8,224,095
3,950,483
37,934,773
20,225,035
23,165,755
2,872,006
861,520
1,330,300
$368,458,701
50%
POP.
3,753
19,960
28,931
14,225
46,320
17,462
99,983
23,154
51,963
23,082
5,036
7,208
10,487
10,886
7,777
5,801
5,626
6,979
6,790
14,225
11,590
19,209
25,262
12,376
13,542
37,017
63,040
1,165
12,577
11,178
80,599
10,643
21,234
9,353
14,873
20,846
55,490
24,965
14,606
23,149
4,029
24,703
23,799
17,029
4,847
2,484
8,911
13,313
84,060
61,199
69,888
25,710
8,598
7,665
1,248,597
25%
CENSUS
COMPOSITE
DISTR.
62
56
155
47
245
88
780
73
270
175
38
47
115
51
68
46
48
14
30
102
99
80
207
116
69
251
341
12
67
48
458
97
139
40
53
164
310
386
121
69
14
127
113
205
95
19
76
81
484
494
620
70
15
27
8,077
25%
EXPECTED
LOSSES
$0-$500K
EXPECTED
LOSSES
$500K-1MIL
TOTAL
EXPECTED
LOSSES
MODIFIED
EXPECTED
LOSSES
ADJUSTED
EXPECTED
LOSSES
0.00605
0.00926
0.01690
0.00802
0.03633
0.01107
0.09639
0.01251
0.03640
0.02274
0.00367
0.00507
0.00902
0.00597
0.00638
0.00504
0.00448
0.00296
0.00364
0.01058
0.00942
0.01281
0.01877
0.01116
0.00917
0.02681
0.04188
0.00072
0.00747
0.00605
0.07140
0.00788
0.01866
0.00611
0.00781
0.01675
0.04437
0.02618
0.01389
0.01125
0.00211
0.01762
0.01570
0.02578
0.00789
0.00237
0.01530
0.01053
0.08329
0.05499
0.06462
0.01121
0.00335
0.00418
$32,609
49,890
91,024
43,219
195,685
59,654
519,227
67,409
196,076
122,510
19,745
27,335
48,577
32,186
34,390
27,147
24,121
15,936
19,632
56,987
50,736
68,991
101,133
60,091
49,374
144,400
225,620
3,889
40,230
32,568
384,608
42,437
100,527
32,922
42,088
90,227
239,040
141,013
74,849
60,584
11,391
94,928
84,582
138,896
42,520
12,767
82,401
56,743
448,669
296,220
348,097
60,396
18,072
22,494
$0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
$32,609
49,890
91,024
43,219
195,685
59,654
519,227
67,409
196,076
122,510
19,745
27,335
48,577
32,186
34,390
27,147
24,121
15,936
19,632
56,987
50,736
68,991
101,133
60,091
49,374
144,400
225,620
3,889
40,230
32,568
384,608
42,437
100,527
32,922
42,088
90,227
239,040
141,013
74,849
60,584
11,391
94,928
84,582
138,896
42,520
12,767
82,401
56,743
448,669
296,220
348,097
60,396
18,072
22,494
$31,834
49,064
93,802
42,262
195,062
58,883
375,062
65,773
202,332
117,504
19,485
29,200
51,950
32,028
33,655
26,896
23,847
15,913
19,758
55,717
49,865
68,079
97,404
59,649
48,250
171,378
225,203
3,890
41,514
32,668
358,866
43,447
95,696
32,427
41,854
100,719
311,582
133,304
69,854
59,065
11,310
93,080
95,510
148,118
50,381
14,133
79,847
57,370
299,671
278,934
296,355
59,363
19,084
24,147
$33,545
51,702
98,845
44,535
205,548
62,049
395,225
69,309
213,209
123,821
20,533
30,770
54,742
33,749
35,465
28,342
25,129
16,768
20,820
58,712
52,545
71,739
102,641
62,856
50,844
180,591
237,310
4,099
43,746
34,424
378,158
45,782
100,841
34,170
44,104
106,133
328,332
140,470
73,609
62,240
11,918
98,084
100,645
156,081
53,089
14,893
84,140
60,454
315,782
293,929
312,287
62,554
20,110
25,445
1.00000
$5,386,866
$692,702
$5,386,866
$5,112,045
$5,386,866
$5,386,866
2014/15
ESTIMATED PAYROLLS
PAYROLL TAKEN FROM DE-9 FORMS FOR
CALENDAR YEAR 2013
POPULATION
FROM POPULATION ESTIMATES FOR
CALIFORNIA CITIES AND COUNTIES
DATED JANUARY 1, 2013
EMPLOYEE CENSUS
# OF EMPLOYEES PROVIDED BY MEMBER CITIES.
$368,458,701
2013/14
$351,005,987
%
CHANGE
5%
1,248,597
1,239,504
1%
8,077
7,859
3%
$5,386,866
$1.462
$5,226,479
$1.489
3%
-2%
$692,702
0.188
$645,851
0.184
7%
2%
COMPOSITE DISTRIBUTION
DISTRIBUTION OF "1" FROM
STATISTICS SHOWN ABOVE, AND
USED TO MODIFY STANDARD EXPECTED
LOSS DISTRIBUTION.
EXPECTED LOSSES (80% CONFIDENCE)
$0 - $500K PER OCCURRENCE:
PER $100/PAYROLL
ALLOCATED BASED ON COMPOSITE DISTRIBUTION
$500K - $1 MM PER OCCURRENCE:
PER $100/PAYROLL
PREFUNDED BY BOND PROCEEDS & 2007/08 Premium
MODIFIED EXPECTED LOSSES
TOTAL EXPECTED LOSSES MULTIPLIED BY
MEMBER EXPERIENCE MODIFIER.
ADJUSTED EXPECTED LOSSES
MODIFIED EXPECTED LOSSES ADJUSTED
FOR THE OFF-BALANCE AFTER
MODIFICATION.
Note: The total of Expected Losses for the $500k to $1MIL Coluimn is the amount that would be alloated to the cities to fund the mid-layer pool if it were not prefunded by the bond proceeds.
* Hanford, along with the CCF's no longer in program effective 2012/13.
Page 7
159
POOLED LIABILITY PROGRAM DEPOSIT PREMIUM EXPERIENCE MODIFICATION PROCESS
MEMBER CITY:
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
ANGELS
ARVIN
ATWATER
AVENAL
CERES
CHOWCHILLA
CLOVIS
CORCORAN
DELANO
DINUBA
DOS PALOS
ESCALON
EXETER
FARMERSVILLE
FIREBAUGH
FOWLER
GUSTINE
HUGHSON
HURON
KERMAN
KINGSBURG
LATHROP
LEMOORE
LINDSAY
LIVINGSTON
LOS BANOS
MADERA
MARICOPA
MCFARLAND
MENDOTA
MERCED
NEWMAN
OAKDALE
ORANGE COVE
PARLIER
PATTERSON
PORTERVILLE
REEDLEY
RIPON
RIVERBANK
SAN JOAQUIN
SANGER
SELMA
SHAFTER
SONORA
SUTTER CREEK
TAFT
TEHACHAPI
TRACY
TULARE
TURLOCK
WASCO
WATERFORD
WOODLAKE
TOTAL
5 YEAR
AVG ADJUSTED
LOSSES
5 YEAR
AVG ADJUSTED
PAYROLL
5 YEAR
LOSS RATE
$100/PR
AVERAGE
EXPECTED
LOSSES
$4,195
15,942
106,205
3,485
151,985
28,175
162,291
19,856
172,861
60,508
1,200
80,867
85,225
15,224
2,609
11,445
5,365
10,482
18,067
17,054
22,744
42,062
31,079
39,685
18,747
258,394
162,118
2,979
43,004
18,420
302,120
41,424
56,621
6,400
22,155
150,542
445,989
25,837
5,393
17,262
967
62,788
173,147
136,444
190,768
102,123
29,378
44,776
142,553
165,539
138,969
18,443
56,583
79,125
$2,241,752
2,758,309
7,383,239
2,048,461
14,223,208
3,599,498
36,595,555
3,721,020
13,403,472
8,753,393
1,137,106
2,108,369
2,416,061
1,785,027
1,906,859
1,771,505
1,379,184
1,078,862
1,160,439
3,307,196
3,431,815
4,898,606
5,735,448
4,223,212
3,500,348
9,174,848
15,050,488
242,513
1,462,640
1,453,262
33,003,481
1,950,944
8,957,510
1,762,763
2,472,030
4,765,065
17,318,030
6,643,272
5,705,617
3,545,100
647,327
7,292,633
5,834,721
7,363,116
3,109,639
1,037,373
5,120,455
3,254,477
39,029,919
19,776,043
24,380,639
3,030,990
833,467
1,538,782
0.19
0.58
1.44
0.17
1.07
0.78
0.44
0.53
1.29
0.69
0.11
3.84
3.53
0.85
0.14
0.65
0.39
0.97
1.56
0.52
0.66
0.86
0.54
0.94
0.54
2.82
1.08
1.23
2.94
1.27
0.92
2.12
0.63
0.36
0.90
3.16
2.58
0.39
0.09
0.49
0.15
0.86
2.97
1.85
6.13
9.84
0.57
1.38
0.37
0.84
0.57
0.61
6.79
5.14
$24,381
29,999
80,299
22,279
154,690
39,148
398,010
40,469
145,775
95,201
12,367
22,930
26,277
19,414
20,739
19,267
15,000
11,734
12,621
35,969
37,324
53,277
62,378
45,931
38,069
99,785
163,688
2,638
15,908
15,806
358,943
21,218
97,421
19,172
26,886
51,824
188,349
72,252
62,054
38,556
7,040
79,314
63,458
80,081
33,820
11,282
55,690
35,395
424,486
215,082
265,161
32,965
9,065
16,736
$4,027,620
$370,325,086
$1.09
$4,027,620
MEMBER
EXPERIENCE
RATIO
CREDIBILITY
FACTOR
LOSS RATIO
DEVIATION
FROM
NORM
CREDIBLE
DEVIATION
MEMBER
EXPERIENCE
MODIFIER
0.17
0.53
1.32
0.16
0.98
0.72
0.41
0.49
1.19
0.64
0.10
3.53
3.24
0.78
0.13
0.59
0.36
0.89
1.43
0.47
0.61
0.79
0.50
0.86
0.49
2.59
0.99
1.13
2.70
1.17
0.84
1.95
0.58
0.33
0.82
2.90
2.37
0.36
0.09
0.45
0.14
0.79
2.73
1.70
5.64
9.05
0.53
1.27
0.34
0.77
0.52
0.56
6.24
4.73
0.03
0.04
0.09
0.03
0.18
0.05
0.47
0.05
0.17
0.11
0.01
0.03
0.03
0.02
0.02
0.02
0.02
0.01
0.01
0.04
0.04
0.06
0.07
0.05
0.04
0.12
0.19
0.00
0.02
0.02
0.42
0.02
0.11
0.02
0.03
0.06
0.22
0.09
0.07
0.05
0.01
0.09
0.07
0.09
0.04
0.01
0.07
0.04
0.50
0.25
0.31
0.04
0.01
0.02
0.828
0.469
-0.323
0.844
0.017
0.280
0.592
0.509
-0.186
0.364
0.903
-2.527
-2.243
0.216
0.874
0.406
0.642
0.107
-0.432
0.526
0.391
0.211
0.502
0.136
0.508
-1.590
0.010
-0.129
-1.703
-0.165
0.158
-0.952
0.419
0.666
0.176
-1.905
-1.368
0.642
0.913
0.552
0.863
0.208
-1.729
-0.704
-4.641
-8.052
0.472
-0.265
0.664
0.230
0.476
0.441
-5.242
-3.728
0.024
0.017
-0.031
0.022
0.003
0.013
0.278
0.024
-0.032
0.041
0.013
-0.068
-0.069
0.005
0.021
0.009
0.011
0.001
-0.006
0.022
0.017
0.013
0.037
0.007
0.023
-0.187
0.002
0.000
-0.032
-0.003
0.067
-0.024
0.048
0.015
0.006
-0.116
-0.303
0.055
0.067
0.025
0.007
0.019
-0.129
-0.066
-0.185
-0.107
0.031
-0.011
0.332
0.058
0.149
0.017
-0.056
-0.073
0.976
0.983
1.031
0.978
0.997
0.987
0.722
0.976
1.032
0.959
0.987
1.068
1.069
0.995
0.979
0.991
0.989
0.999
1.006
0.978
0.983
0.987
0.963
0.993
0.977
1.187
0.998
1.000
1.032
1.003
0.933
1.024
0.952
0.985
0.994
1.116
1.303
0.945
0.933
0.975
0.993
0.981
1.129
1.066
1.185
1.107
0.969
1.011
0.668
0.942
0.851
0.983
1.056
1.073
5 YR AVERAGE ADJUSTED LOSSES
2008/09 THRU 2012/13 LOSSES EXCESS
OF $1 MILLION AS OF 6/30/13.
5 YR AVERAGE ADJUSTED PAYROLL
ACTUAL PAYROLLS FOR 2008/09
THRU 2012/13.
5 YEAR LOSS RATE
AVERAGE ADJUSTED LOSSES
DIVIDED BY AVERAGE ADJUSTED
PAYROLL DIVIDED BY 100.
AVERAGE EXPECTED LOSSES
AVERAGE ADJUSTED PAYROLL
MULTIPLIED BY 5 YEAR GROUP
LOSS RATE.
MEMBER EXPERIENCE RATIO
AVERAGE ADJUSTED LOSSES DIVIDED
BY AVERAGE EXPECTED LOSSES.
CREDIBILITY FACTOR
INDIVIDUAL MEMBERS AVERAGE
ADJUSTED PAYROLL DIVIDED BY
LARGEST MEMBERS AVERAGE
ADJUSTED PAYROLL MULTIPLIED
BY 0.50.
DEVIATION FROM NORM
1 MINUS THE MEMBER
EXPERIENCE RATIO.
CREDIBLE DEVIATION
DEVIATION MULTIPLIED BY
THE CREDIBILITY FACTOR.
EXPERIENCE MODIFIER
1 MINUS THE CREDIBLE DEVIATION
0.50
160
Page 8
AUTO PHYSICAL DAMAGE PROGRAM
3/19/2014
MEMBER CITY:
NUMBER
OF
VEHICLES
POOL RATE
6/18/2014
VEHICLE
VALUATION
1989/90 thru 2011/12 thru
POOL
2010/11
2014/15
PREMIUM
GROUP RATE GROUP RATE $500 - $10K
$0.00000
$0.01250
EXCESS
ADMIN.
SHORTFALL
2014/15
INSURANCE
CHARGE
ADDITIONAL
ANNUAL
ABOVE $10K $25/VEHICLE CONTRIBUTION PREMIUM
$25
2013/14
PREMIUM
DIFF
PERCENT
INCREASE/
DECREASE
COMPARISON WITHOUT
SHORTFALL ADDITIONAL
CONTRIBUTION
2014/15
PERCENT
PREMIUM W/O
INCREASE/
SHORTFALL
DIFF
DECREASE
PRE 2005/2006 GROUP
1
ANGELS CAMP
26
1,350,897
$0
$0
$3,549
$650
$735
$4,935
$2,041
$2,894
142%
$4,199
$2,159
106%
2
ARVIN
36
2,369,876
0
0
6,227
900
1,290
8,417
3,317
5,099
154%
7,127
3,809
115%
3
AVENAL
22
840,576
0
0
2,209
550
458
3,216
1,320
1,896
144%
2,759
1,438
109%
4
CHOWCHILLA
5
CLOVIS
6
CORCORAN
7
DELANO
34
2,511,746
0
0
6,600
850
1,367
8,817
3,022
5,795
192%
7,450
4,428
147%
Current Year
0.00263
419
32,917,762
0
0
86,490
10,475
17,916
114,882
44,587
70,295
158%
96,965
52,379
117%
Prior Year
0.00110
% Increase
31
2,183,904
0
0
5,738
775
1,189
7,702
3,546
4,156
117%
6,513
2,967
84%
137
8,810,095
0
0
23,148
3,425
4,795
31,368
11,835
19,533
165%
26,573
14,738
125%
114%
8
DINUBA
64
5,736,593
0
0
15,073
1,600
3,122
19,795
7,801
11,994
154%
16,673
8,872
9
DOS PALOS
12
1,512,000
0
0
3,973
300
823
5,096
2,198
2,897
132%
4,273
2,074
94%
37
2,075,222
0
0
5,453
925
1,130
7,507
2,488
5,019
202%
6,378
3,890
156%
10 EXETER
7
727,000
0
0
1,910
175
396
2,481
921
1,560
169%
2,085
1,164
126%
12 FIREBAUGH
20
1,155,555
0
0
3,036
500
629
4,165
1,765
2,400
136%
3,536
1,771
100%
13 FOWLER
37
1,280,885
0
0
3,365
925
697
4,988
2,205
2,782
126%
4,290
2,085
95%
14 GUSTINE
9
460,600
0
0
1,210
225
251
1,686
729
957
131%
1,435
706
97%
15 HUGHSON
7
368,002
0
0
967
175
200
1,342
509
833
164%
1,142
633
124%
15
572,969
0
0
1,505
375
312
2,192
977
1,215
124%
1,880
903
92%
4
119,309
0
1,491
313
100
65
1,970
1,109
861
78%
1,905
796
72%
132%
11 FARMERSVILLE
16 HURON
17 KERMAN **
1,491
18 LATHROP
34
1,678,467
0
0
4,410
850
914
6,174
2,265
3,909
173%
5,260
2,995
19 LIVINGSTON
30
1,588,218
0
0
4,173
750
864
5,787
2,495
3,292
132%
4,923
2,428
97%
20 LOS BANOS
81
6,111,734
0
0
16,058
2,025
3,326
21,410
8,432
12,978
154%
18,083
9,651
114%
21 MADERA
87
7,106,145
0
0
18,671
2,175
3,868
24,714
9,556
15,158
159%
20,846
11,290
118%
4
175,000
0
0
460
100
95
655
457
198
43%
560
103
23%
22
948,802
0
0
2,493
550
516
3,559
1,067
2,492
234%
3,043
1,976
185%
22 MARICOPA
23 MCFARLAND
24 MENDOTA
8
422,466
0
0
1,110
200
230
1,540
876
664
76%
1,310
434
49%
25 NEWMAN
14
1,089,000
0
0
2,861
350
593
3,804
1,232
2,572
209%
3,211
1,979
161%
26 OAKDALE
32
4,106,790
0
0
10,790
800
2,235
13,826
5,197
8,628
166%
11,590
6,393
123%
27 ORANGE COVE***
21
811,957
0
0
0
525
442
967
500
467
93%
525
25
28 REEDLEY
82
9,840,562
0
0
25,856
2,050
5,356
33,262
12,185
21,077
173%
27,906
15,720
51
4,518,965
0
0
11,873
1,275
2,460
15,608
6,379
9,229
145%
13,148
6,769
106%
25
1,686,549
0
0
4,431
625
918
5,974
2,316
3,658
158%
5,056
2,740
118%
5
161,763
0
0
425
125
88
638
302
336
111%
550
248
82%
56
3,769,603
0
0
9,905
1,400
2,052
13,356
5,328
8,028
151%
11,305
5,977
112%
33 SHAFTER
44
2,181,604
0
0
5,732
1,100
1,187
8,020
3,339
4,680
140%
6,832
3,493
105%
34 SONORA
18
2,085,000
0
0
5,478
450
1,135
7,063
2,733
4,330
158%
5,928
3,195
117%
119%
35 TEHACHAPI
36
1,304,298
0
0
3,427
900
710
5,037
1,979
3,058
155%
4,327
2,348
36 TURLOCK***
107
11,151,701
0
0
0
2,675
6,070
8,745
1,650
7,095
430%
2,675
1,025
62%
9
763,885
0
0
2,007
225
416
2,648
1,037
1,611
155%
2,232
1,196
115%
37 WATERFORD
0.00097
5%
29 RIPON
31 SAN JOAQUIN
140%
129%
30 RIVERBANK
32 SELMA
EXCESS RATES (PEPIP)
NON-POOLED CITIES
38 ATWATER
68
4,561,145
0
11,984
1,700
0
13,684
5,843
7,841
134%
13,684
7,841
134%
39 CERES
76
6,468,000
0
16,994
1,900
0
18,894
9,073
9,821
108%
18,894
9,821
108%
40 PARLIER
9
369,000
0
970
225
0
1,195
629
565
90%
1,195
565
90%
41 PATTERSON
35
4,078,000
0
10,715
875
0
11,590
5,371
6,219
116%
11,590
6,219
116%
42 PORTERVILLE
85
11,952,825
0
31,406
2,125
0
33,531
15,591
17,940
115%
33,531
17,940
115%
7
230,732
0
606
175
0
781
491
290
59%
781
290
59%
34
1,942,500
0
5,104
850
0
5,954
2,704
3,250
120%
5,954
3,250
120%
45 TRACY
186
16,103,716
0
42,312
4,650
0
46,962
21,689
25,274
117%
46,962
25,274
117%
46 WASCO
34
3,111,693
0
8,176
850
0
9,026
4,028
4,998
124%
9,026
4,998
124%
$1,491
$429,196
$55,425
$68,849
$554,961
$225,117 $329,845
147%
$486,112
$260,996
54%
43 SUTTER CREEK
44 TAFT
TOTAL
2,217
$175,313,110
$0
$1,491
$126,495,499
55,425
68,849
** Member joined APDP in 2013/14.
*** Participates in pooled coverage only, does not purchase excess coverage through CSJVRMA.
Page 9
161
LOW VALUE VEHICLE PROGRAM
GROUP RATE
MEMBER CITY:
NUMBER
OF
VEHICLES
PRE 2006/07 Groups
1 ANGELS CAMP
2 AVENAL
3 CHOWCHILLA
4 CORCORAN
5 DINUBA
6 DOS PALOS
7 FOWLER **
8 GUSTINE
9 HUGHSON
10 HURON
11 LATHROP
12 LEMOORE
13 LIVINGSTON
14 LOS BANOS
15 MCFARLAND
16 MENDOTA *
17 ORANGE COVE
18 PATTERSON
19 RIPON
20 RIVERBANK
21 SAN JOAQUIN
22 SELMA
23 SUTTER CREEK
24 TAFT *
25 TEHACHAPI
26 TURLOCK
27 WASCO
28 WATERFORD
29 WOODLAKE
TOTAL
12
18
27
37
69
18
4
26
19
8
31
106
42
102
24
24
18
30
59
21
19
31
11
19
41
221
34
7
32
1,110
6/18/2014
VEHICLE
VALUATION
172,266
285,342
162,100
593,596
1,116,627
132,170
74,105
309,115
240,689
126,344
455,149
2,040,820
561,338
1,549,982
422,416
468,854
233,162
599,496
864,780
365,652
165,045
546,507
106,517
88,691
519,531
1,932,141
405,809
107,878
846,285
$15,492,408
1994/95 thru
2010/11
$0
$0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
$0
2011/12 thru
2014/15
$300
1,200
7,200
5,700
$14,100
POOL
DEPOSIT
ADMIN
CHARGE
$5/VEHICLE
5
SHORTFALL
ADDITIONAL
CONTRIBUTION
$21,645
2014/15
ANNUAL
PREMIUM
2013/14
PREMIUM
DIFF
PERCENT
INCREASE/
DECREASE
COMPARISON WITHOUT
SHORTFALL ADDITIONAL CONTRIBUTION
2014/15
PREMIUM
W/O SHORTFALL
$0
0
0
0
0
0
1,200
0
0
0
0
0
0
0
0
7,200
0
0
0
0
0
0
0
5,700
0
0
0
0
0
$60
90
135
185
345
90
20
130
95
40
155
530
210
510
120
120
90
150
295
105
95
155
55
95
205
1,105
170
35
160
241
399
226
829
1,560
185
104
432
336
177
636
2,851
784
2,166
590
655
326
838
1,208
511
231
764
149
124
726
2,699
567
151
1,182
$301
489
361
1,014
1,905
275
1,324
562
431
217
791
3,381
994
2,676
710
7,975
416
988
1,503
616
326
919
204
5,919
931
3,804
737
186
1,342
$60
105
125
185
345
110
1,220
130
95
45
155
520
225
540
115
6,405
95
155
285
105
95
155
60
4,880
200
1,245
185
35
145
$241
384
236
829
1,560
165
104
432
336
172
636
2,861
769
2,136
595
1,570
321
833
1,218
511
231
764
144
1,039
731
2,559
552
151
1,197
401%
365%
189%
448%
452%
150%
8%
332%
354%
381%
410%
550%
342%
395%
518%
25%
338%
537%
427%
487%
243%
493%
240%
21%
365%
206%
298%
431%
826%
$60
$90
$135
$185
$345
$90
$1,220
$130
$95
$40
$155
$530
$210
$510
$120
$7,320
$90
$150
$295
$105
$95
$155
$55
$5,795
$205
$1,105
$170
$35
$160
$14,100
$5,550
$21,645
$41,295
$18,020
$23,275
129%
$19,650
$5,550
21,645
PERCENT
INCREASE/
DECREASE
DIFF
$0
(15)
10
0
0
(20)
0
0
0
(5)
0
10
(15)
(30)
5
915
(5)
(5)
10
0
0
0
(5)
915
5
(140)
(15)
0
15
$1,630
0%
-14%
8%
0%
0%
-18%
0%
0%
0%
-11%
0%
2%
-7%
-6%
4%
14%
-5%
-3%
4%
0%
0%
0%
-8%
19%
3%
-11%
-8%
0%
10%
8%
5,550
* Members joined LVVP in 2012/13.
** Members joined LVVP in 2013/14.
Note - $5 per Vehicle charge re-instated for 2012/13 budget.
Page 10
162
PROPERTY PROGRAM
EXCESS
POOL
MEMBER CITY:
$1,000 DEDUCTIBLE
1 ANGELS CAMP
2 ARVIN
3 CERES
4 CHOWCHILLA
5 CLOVIS
6 CORCORAN
7 DOS PALOS
8 FARMERSVILLE
9 FIREBAUGH
10 FOWLER
11 GUSTINE
12 HUGHSON
13 HURON
14 KERMAN
15 KINGSBURG
16 LATHROP
17 LINDSAY
18 LIVINGSTON
19 MADERA
20 MARICOPA
21 MCFARLAND
22 MENDOTA
23 NEWMAN
24 PARLIER
25 PATTERSON
26 REEDLEY
27 RIPON
28 RIVERBANK
29 SAN JOAQUIN
30 SELMA
31 SHAFTER
32 SONORA
33 SUTTER CREEK
34 TEHACHAPI
35 WASCO
36 WOODLAKE
$10,000 DEDUCTIBLE
37 LOS BANOS
REAL
PROPERTY
PERSONAL
COURSE OF
PROPERTY CONSTRUCTION
CONTRACTORS VEHICLES IN
EQUIPMENT
YARD
TOTAL
VALUES
PROPERTY
BI RENTS
FINE
ARTS
HIGH VALUE POOLING DEPOSIT
VEHICLES
RATE
$1K - $25k
$18,610,430
17,488,668
47,323,154
20,926,052
187,665,576
52,774,115
9,869,207
11,721,574
28,268,597
12,273,032
20,820,571
20,594,871
22,345,443
21,113,588
16,386,680
72,940,770
45,857,672
37,187,074
93,641,677
768,219
6,903,566
10,947,734
11,049,677
20,980,095
52,218,749
51,275,867
38,626,890
29,576,743
9,170,401
17,903,811
38,264,348
11,378,141
4,895,110
22,844,654
28,801,792
16,623,867
$3,555,762
5,545,978
10,059,626
7,028,769
20,860,674
9,320,703
5,977,430
2,419,741
6,371,155
5,212,064
2,139,497
3,485,762
3,207,817
3,839,179
2,635,089
12,778,634
8,535,740
5,885,356
11,252,270
227,541
4,648,597
4,902,347
1,548,475
2,762,976
11,211,740
19,648,316
4,568,196
3,024,502
1,765,001
4,398,640
3,453,715
1,225,613
2,513,218
5,502,921
3,770,310
8,109,365
$0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,150,000
0
0
0
0
0
0
0
0
0
565,000
0
0
0
0
0
0
0
0
0
0
$0
0
110,100
4,941,548
13,520,371
0
0
0
0
0
47,624
28,000
0
498,782
0
0
1,443,000
0
406,049
0
0
0
1,096,200
961,203
201,345
0
0
24,000
0
339,036
3,767,080
0
13,000
0
0
3,600
$733,350
0
0
0
307,200
0
0
0
0
0
0
0
0
0
0
0
0
0
101,500
0
12,815
0
0
0
0
115,000
0
0
0
272,132
0
0
0
0
0
0
$395,500
19,447
1,358,602
878,958
7,736,482
729,900
119,500
262,000
849,800
189,500
125,500
107,083
369,568
271,608
0
189,000
0
538,067
2,500,000
0
150,807
753,100
225,299
257,000
7,358,414
639,000
180,000
722,066
355,646
783,459
950,000
443,600
171,000
756,200
910,765
457,866
$0
0
29,000
0
6,226,228
0
0
0
0
10,000
0
0
0
25,000
0
0
0
0
2,200,000
120,000
0
0
0
225,000
819,596
0
0
0
65,001
0
0
0
0
0
0
0
$23,295,042
23,054,093
58,880,482
33,775,327
236,316,531
62,824,718
15,966,137
14,403,315
35,489,552
17,684,596
23,133,192
24,215,716
25,922,828
25,748,157
19,021,769
89,058,404
55,836,412
43,610,497
110,101,496
1,115,760
11,715,785
16,603,181
13,919,651
25,186,274
71,809,844
72,243,183
43,375,086
33,347,311
11,356,049
23,697,078
46,435,143
13,047,354
7,592,328
29,103,775
33,482,867
25,194,698
$1,350,897
2,369,876
6,468,000
2,451,056
31,883,668
2,183,904
1,478,000
727,000
1,155,555
1,280,885
460,600
368,002
572,969
119,309
0
1,613,840
0
1,588,218
7,106,145
175,000
948,802
422,466
1,089,000
369,000
4,014,000
9,780,562
4,518,965
1,686,549
161,763
3,769,603
2,181,604
2,085,000
230,732
1,244,701
3,111,693
0
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
0.00000
$0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
57,531,484
4,840,129
0
0
346,000
1,411,664
0
64,129,277
6,072,128
0.00000
0
50,101,357
31,088,582
119,861,235
1,653,698
14,498,256
50,728,951
41,860,952
148,730,500
25,708,354
26,196,709
130,795,533
101,727,634
9,123,567
10,933,529
7,846,328
14,726,346
1,470,113
3,505,236
6,602,812
5,412,801
47,891,823
5,232,879
5,526,859
45,690,041
43,201,516
1,543,970
0
0
0
0
0
0
0
0
0
0
0
0
0
941,950
1,000,000
1,014,464
2,193,164
0
0
0
0
2,662,813
4,816,000
4,343,250
1,990,333
0
0
0
0
0
0
0
0
0
0
1,000,000
0
0
0
1,147,000
549,727
339,749
0
140,000
542,961
551,935
18,593,016
1,772,918
200,000
2,771,926
1,690,000
2,021,761
0
0
0
0
1,235,222
0
0
0
0
0
1,421,500
190,000
0
63,123,836
40,484,637
135,941,794
5,316,975
19,378,714
57,874,724
47,825,688
215,215,339
35,376,964
37,739,568
185,022,250
148,799,483
12,689,298
4,575,421
840,576
8,810,095
5,516,593
2,075,222
0
4,106,790
11,952,825
0
1,784,500
16,103,716
0
763,885
BOILER &
ADMIN
PREMIUM
MACHINERY PROPERTY
ABOVE $25K
PREMIUM APPRAISALS
NOTE 1
NOTE 2
NOTE 3
$18,345
$293
$4,830
18,155
304
2,940
46,368
759
8,715
26,598
434
5,145
186,099
2,933
24,255
49,474
820
9,135
12,573
209
4,620
11,343
187
5,460
27,948
458
5,355
13,927
231
2,940
18,217
304
6,720
19,070
318
3,360
26,918
337
3,465
20,277
336
4,830
14,980
251
4,200
70,133
1,174
8,715
43,971
737
4,725
34,343
569
5,250
86,705
1,391
17,850
879
13
630
9,226
153
1,680
13,075
209
3,990
10,962
181
3,150
326
3,150
23,146
56,550
840
5,670
56,892
944
10,080
34,158
571
7,980
26,261
431
5,985
8,943
144
3,570
18,661
299
8,820
36,568
601
3,675
10,275
166
1,890
29,522
98
1,470
22,919
374
4,095
26,368
430
4,725
19,841
327
2,625
SHORTFALL
CHARGE
ADDITIONAL
0.000025 CONTRIBUTION
NOTE 4
NOTE 5
$616
$2,626
636
2,626
1,634
6,834
906
3,708
6,705
26,329
1,625
7,056
436
1,820
378
1,629
916
3,982
474
2,052
590
2,567
615
2,739
662
2,883
647
2,877
476
2,007
2,267
9,718
1,396
6,210
1,130
4,882
2,930
12,418
32
139
317
1,167
426
1,842
375
1,555
639
2,819
1,896
7,819
2,051
8,049
1,197
4,965
876
3,765
288
1,179
687
2,662
1,215
5,220
378
1,493
196
859
759
3,100
915
3,802
630
2,666
2014/15
ANNUAL
PREMIUM
PERCENT
2013/14
PREMIUM
DIFF
INCREASE/
DECREASE
$26,710
24,661
64,311
36,791
246,321
68,111
19,659
18,996
38,659
19,624
28,398
26,102
34,266
28,966
21,913
92,007
57,039
46,174
121,294
1,693
12,543
19,542
16,223
30,080
72,775
78,016
48,870
37,317
14,125
31,129
47,278
14,202
32,145
31,247
36,240
26,089
$19,685
19,260
52,412
24,915
175,858
52,224
13,420
12,002
29,763
14,812
19,110
20,123
27,630
21,410
12,764
71,359
47,106
36,258
91,549
938
9,797
13,998
11,394
24,018
55,668
55,621
37,368
27,619
9,427
19,061
38,385
10,875
29,368
20,936
27,531
12,186
$7,025
5,401
11,899
11,875
70,463
15,887
6,239
6,994
8,896
4,812
9,288
5,979
6,635
7,556
9,149
20,649
9,933
9,916
29,744
756
2,746
5,544
4,829
6,062
17,107
22,395
11,502
9,699
4,698
12,067
8,893
3,327
2,777
10,311
8,709
13,902
36%
28%
23%
48%
40%
30%
46%
58%
30%
32%
49%
30%
24%
35%
72%
29%
21%
27%
32%
81%
28%
40%
42%
25%
31%
40%
31%
35%
50%
63%
23%
31%
9%
49%
32%
114%
50,502
824
6,300
1,755
7,270
66,651
53,469
13,181
25%
49,710
31,882
107,054
4,187
15,261
45,576
37,663
169,482
27,859
29,720
145,705
117,180
9,993
819
527
1,791
70
238
757
624
2,597
444
483
2,388
1,940
141
5,145
4,305
13,335
105
4,725
7,035
8,190
8,190
8,715
2,310
21,105
16,380
2,730
1,692
1,033
3,619
271
536
1,447
1,298
5,679
884
988
5,028
3,720
336
(3,444)
(2,352)
(4,815)
(314)
(1,112)
(2,665)
(2,537)
(6,933)
(2,033)
(1,686)
(10,797)
(8,058)
(560)
53,922
35,395
120,984
4,319
19,648
52,150
45,239
179,015
35,869
31,815
163,430
131,162
12,640
50,972
36,269
111,177
2,301
16,165
41,302
39,700
123,083
31,521
32,052
160,726
123,902
8,936
2,951
(874)
9,808
2,018
3,483
10,849
5,538
55,932
4,348
(237)
2,703
7,259
3,704
6%
-2%
9%
88%
22%
26%
14%
45%
14%
-1%
2%
6%
41%
31,798
314,265
66,201
118,028
118,028
2,521,756
1,997,427
524,329
26%
0.000900
0.000750
0.000500
0.000788
0.0000132
0.000900
0.000750
0.000500
0.000803
0.0000143
0%
0%
0%
-2%
-7%
$25,000 DEDUCTIBLE
38
39
40
41
42
43
44
45
46
47
48
49
50
ATWATER
AVENAL
DELANO
DINUBA
EXETER
LEMOORE
OAKDALE
PORTERVILLE
SANGER
TAFT
TRACY
TULARE
WATERFORD
TOTAL
$1,939,645,227 $417,817,101
$3,715,000
$46,362,912
$2,887,997
$63,487,394 $12,566,547
$2,486,482,178 161,569,115
0
1,991,464
$1,481,692,908
NOTE 1
PREMIUM BASED ON REAL PROPERTY, PERSONAL PROPERTY, COURSE OF CONSTRUCTION, BI RENTS, FINE ARTS, CONTRACTORS EQUIPMENT, AND VEHICLES IN YARD x EXCESS INS. RATE
NOTE 2
PREMIUM BASED ON REAL PROPERTY, PERSONAL PROPERTY, COURSE OF CONSTRUCTION, AND BI RENTS x BOILER & MACHINERY RATE
NOTE 3
PROPERTY APPRAISALS APPROVED BY EXECUTIVE COMMITTEE JANUARY 23, 2014, TO BE PAID FROM THE POOLED PROPERTY PROGRAM AND THE COSTS REIMBURSED
MEMBER OF THE PROPERTY PROGRAM THROUGH THE 2014/15 BUDGET
NOTE 4
BASED ON TOTAL VALUES PLUS PLUS VEHICLES X ADMIN. RATE
NOTE 5
IF ACTUAL INCURRED CLAIMS EXCEED THE INTEREST EARNINGS OF THE PRECEDING FISCAL YEAR, 50% OF THE SHORTFALL IS ALLOCATED TO THE CURRENT YEAR BUDGET.
SHORTFALL IS ALLOCATED BASED ON TOTAL VALUES. NON-POOL MEMBERS CHARGED FOR SHORTFALL DURING 2011/12 THROUGH 2013/14 ARE CREDITED IN 2014/15 FOR
RETURN OF ADDITIONAL CONTRIBUTION CHARGED IN NOTED YEARS. SHORTFALL CONTRIBUTION OF $47,305 HAS BEEN REDISTRIBUTED TO POOL PARTICIPATING MEMBERS.
$1,000
$5,000
$10,000
Excess Insurance
Boiler & Machinery
These cities have flood coverage premiums added to their totals.
Huron
Parlier
Sutter
163
Page 11
EMPLOYEE ASSISTANCE PROGRAM BUDGET
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
MEMBER CITY:
ANGELS
ARVIN
ATWATER
AVENAL
CERES
CHOWCHILLA
CLOVIS
CORCORAN
DELANO
DINUBA
DOS PALOS
ESCALON
EXETER
FARMERSVILLE
FIREBAUGH
FOWLER
GUSTINE
HUGHSON
HURON
KERMAN
KINGSBURG
LATHROP
LEMOORE
LINDSAY
LIVINGSTON
LOS BANOS
MADERA
MARICOPA
MCFARLAND
MENDOTA
MERCED *
NEWMAN
OAKDALE
ORANGE COVE
PARLIER
PATTERSON
PORTERVILLE
REEDLEY
RIPON
RIVERBANK
SAN JOAQUIN
SANGER
SELMA
SHAFTER
SONORA
SUTTER CREEK
TAFT
TEHACHAPI
TRACY
TULARE
TURLOCK
WASCO
WATERFORD
WOODLAKE
TOTAL
NUMBER OF
EMPLOYEES
62
56
155
47
245
88
780
73
270
175
38
47
115
51
68
46
48
14
30
102
99
80
207
116
69
251
341
12
67
48
458
97
139
40
53
164
310
386
121
69
14
127
113
205
95
19
76
81
484
494
620
70
15
27
NUMBER IN
PROGRAM
33
39
63
46
183
54
0
65
239
116
19
21
42
25
31
27
21
13
13
54
44
61
88
53
46
141
227
3
37
32
0
35
71
24
27
85
273
103
79
44
12
92
91
136
44
12
64
50
377
314
314
59
13
23
8,077
4,178
2014/15
ANNUAL
PREMIUM
$911
1,076
1,739
1,270
5,051
1,490
0
1,794
6,596
3,202
524
580
1,159
690
856
745
580
359
359
1,490
1,214
1,684
2,429
1,463
1,270
3,892
6,265
83
1,021
883
0
966
1,960
662
745
2,346
7,535
2,843
2,180
1,214
331
2,539
2,512
3,754
1,214
331
1,766
1,380
10,405
8,666
8,666
1,628
359
635
2013/14
PREMIUM
$718
994
1,932
1,187
4,388
1,104
0
1,711
4,471
2,981
442
662
883
607
911
662
414
386
359
1,408
1,132
1,573
2,622
1,297
1,187
3,781
6,348
83
414
690
0
856
1,932
800
966
2,098
6,541
2,760
2,015
1,132
276
2,291
2,070
1,904
938
304
1,325
1,270
10,102
8,004
8,611
1,518
331
442
$115,313
$103,831
DIFF
$193
83
(193)
83
662
386
0
83
2,125
221
83
(83)
276
83
(55)
83
166
(28)
0
83
83
110
(193)
166
83
110
(83)
0
607
193
0
110
28
(138)
(221)
248
994
83
166
83
55
248
442
1,849
276
28
442
110
304
662
55
110
28
193
$11,482
PERCENT
INCREASE/
DECREASE
27%
8%
-10%
7%
15%
35%
0%
5%
48%
7%
19%
-13%
31%
14%
-6%
13%
40%
-7%
0%
6%
7%
7%
-7%
13%
7%
3%
-1%
0%
147%
28%
0%
13%
1%
-17%
-23%
12%
15%
3%
8%
7%
20%
11%
21%
97%
29%
9%
33%
9%
3%
8%
1%
7%
8%
44%
NOTE:
MONTHLY EAP RATE PER EMPLOYEE:
PRIOR YEAR MONTHLY RATE:
PERCENTAGE INCREASE:
$2.30
$2.30
0%
11%
* Merced is withdrawing from the EAP program effective with the 2011/12 year.
Page 12
164
EMPLOYMENT RISK MANAGEMENT AUTHORITY
MEMBER CITY:
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
Angels Camp
Atwater ( 7/01/00)
Ceres
Chowchilla (07/01/01)
Corcoran
Delano
Dos Palos (12/1/10)
Escalon
Fowler
Gustine
Hughson
Huron (7/1/10)
Kerman (07/01/00)
Kingsburg (07/01/05)
Lathrop (10/4//05)
Lemoore (07/01/13)
Livingston
Madera
McFarland
Mendota (07/01/13)
Merced (07/01/03)
Newman
Oakdale (8/1/12)
Orange Cove (07/01/09)
Parlier
Patterson (07/01/13)
Porterville
Reedley
Riverbank (7/1/12)
San Joaquin (08/08/03)
Selma
Shafter
Sonora (07/01/13)
Taft
Tehachapi (7/1/13)
Tulare (7/1/12)
Wasco
TOTAL
PAYROLL
2014/15
ERMA
BILLING
ESTIMATED
ASSESSMENT
$2,493,022
4,647,868
14,346,800
3,576,926
4,140,115
10,973,343
1,091,312
1,603,824
1,808,461
1,374,796
830,982
999,518
3,370,295
2,972,419
4,778,870
5,385,992
3,182,393
13,785,177
2,119,540
1,711,073
30,275,008
2,022,439
7,448,496
2,211,271
2,354,216
5,526,487
17,442,036
6,802,580
3,298,425
644,529
5,481,771
6,021,976
2,934,692
3,417,735
3,950,483
20,225,035
2,872,006
$0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
$208,121,910
$0
No longer participating in the program:
EXETER*
2,474,846
HANFORD*
8,224,095
SUTTER CREEK*
946,639
LOS BANOS*
8,566,885
TOTAL
20,212,465
$14,673
28,556
88,143
21,976
25,436
131,181
6,705
9,854
14,614
16,435
8,324
6,141
20,706
24,019
57,129
33,090
25,716
84,693
25,338
10,512
141,153
12,425
53,948
12,196
12,984
30,480
107,160
41,793
18,192
3,960
30,208
36,998
17,846
20,996
24,271
94,297
15,840
$1,327,988
ADMIN. FEE
5%
2014/15
Total
Billing
COMPARISON WITH PRIOR YEAR W/O ASSESSMENT
PERCENT
2013/14
INCREASE/
INCREASE/
PREMIUM
DECREASE
DECREASE
$734
1,428
4,407
1,099
1,272
6,559
335
493
731
822
416
307
1,035
1,201
2,856
1,655
1,286
4,235
1,267
526
7,058
621
2,697
610
649
1,524
5,358
2,090
910
198
1,510
1,850
892
1,050
1,214
4,715
792
$15,407
29,984
92,550
23,075
26,708
137,740
7,040
10,347
15,345
17,257
8,740
6,448
21,741
25,220
59,985
34,745
27,002
88,928
26,605
11,038
148,211
13,046
56,645
12,806
13,633
32,004
112,518
43,883
19,102
4,158
31,718
38,848
18,738
22,046
25,485
99,012
16,632
$13,177
37,292
86,291
19,642
21,465
128,623
7,114
11,862
10,507
16,583
10,704
6,158
20,600
29,190
47,886
43,597
34,027
91,850
21,478
13,471
141,334
12,159
46,450
11,188
18,141
36,524
108,393
39,986
18,078
4,191
29,471
35,576
21,803
20,583
26,123
93,097
21,269
$66,399
$1,394,387
$1,355,883
$2,229
$9
$6,260
$3,432
$5,243
$9,118
-$74
-$1,516
$4,838
$674
-$1,964
$290
$1,141
-$3,970
$12,099
-$8,852
-$7,025
-$2,923
$5,127
-$2,434
$6,876
$888
$10,195
$1,618
-$4,508
-$4,520
$4,125
$3,897
$1,024
-$33
$2,247
$3,272
-$3,064
$1,463
-$639
$5,915
-$4,637
17%
0%
7%
17%
24%
7%
-1%
-13%
46%
4%
-18%
5%
6%
-14%
25%
-20%
-21%
-3%
24%
-18%
5%
7%
22%
14%
-25%
-12%
4%
10%
6%
-1%
8%
9%
-14%
7%
-2%
6%
-22%
$45,821
3%
0
0
0
0
$0
*Member withdrew from the ERMA Program.
Page 13
165
GENERAL ADMINISTRATION BUDGET
MEMBER CITY:
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
ANGELS
ARVIN
ATWATER
AVENAL
CERES
CHOWCHILLA
CLOVIS
CORCORAN
DELANO
DINUBA
DOS PALOS
ESCALON
EXETER
FARMERSVILLE
FIREBAUGH
FOWLER
GUSTINE
HUGHSON
HURON
KERMAN
KINGSBURG
LATHROP
LEMOORE
LINDSAY
LIVINGSTON
LOS BANOS
MADERA
MARICOPA
MCFARLAND
MENDOTA
MERCED
NEWMAN
OAKDALE
ORANGE COVE
PARLIER
PATTERSON
PORTERVILLE
REEDLEY
RIPON
RIVERBANK
SAN JOAQUIN
SANGER
SELMA
SHAFTER
SONORA
SUTTER CREEK
TAFT
TEHACHAPI
TRACY
TULARE
TURLOCK
WASCO
WATERFORD
WOODLAKE
TOTAL
ESTIMATED
PAYROLL
PAYROLL
DISTR.
MEMBER
DISTR.
GENERAL
DISTR.
$2,493,022
2,602,553
4,647,868
2,741,434
14,346,800
3,576,926
38,486,165
4,140,115
12,997,443
9,361,965
1,091,312
1,603,824
2,474,846
1,633,576
2,005,989
1,808,461
1,374,796
830,982
999,518
3,370,295
2,972,419
4,778,870
5,385,992
3,748,505
3,182,393
8,566,885
13,785,177
86,367
2,119,540
1,711,073
30,275,008
2,022,439
7,448,496
2,211,271
2,354,216
5,526,487
17,442,036
6,802,580
5,324,248
3,298,425
644,529
6,444,390
5,481,771
11,812,396
2,934,692
946,639
8,224,095
3,950,483
37,934,773
20,225,035
23,165,755
2,872,006
861,520
1,330,300
0.00677
0.00706
0.01261
0.00744
0.03894
0.00971
0.10445
0.01124
0.03528
0.02541
0.00296
0.00435
0.00672
0.00443
0.00544
0.00491
0.00373
0.00226
0.00271
0.00915
0.00807
0.01297
0.01462
0.01017
0.00864
0.02325
0.03741
0.00023
0.00575
0.00464
0.08217
0.00549
0.02022
0.00600
0.00639
0.01500
0.04734
0.01846
0.01445
0.00895
0.00175
0.01749
0.01488
0.03206
0.00796
0.00257
0.02232
0.01072
0.10296
0.05489
0.06287
0.00779
0.00234
0.00361
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01852
0.01264
0.01279
0.01557
0.01298
0.02873
0.01411
0.06149
0.01488
0.02690
0.02196
0.01074
0.01144
0.01262
0.01148
0.01198
0.01171
0.01112
0.01039
0.01062
0.01383
0.01329
0.01574
0.01657
0.01435
0.01358
0.02088
0.02797
0.00938
0.01214
0.01158
0.05034
0.01200
0.01937
0.01226
0.01245
0.01676
0.03293
0.01849
0.01648
0.01374
0.01013
0.01800
0.01670
0.02529
0.01324
0.01054
0.02042
0.01462
0.06074
0.03670
0.04070
0.01316
0.01043
0.01106
$368,458,701
1.00000
50%
1.00000
50%
1.00000
100%
GENERAL
BUDGET
DISTRIBUTED
$9,394
9,505
11,567
9,645
21,348
10,487
45,689
11,055
19,987
16,321
7,981
8,498
9,376
8,528
8,903
8,704
8,267
7,718
7,888
10,279
9,878
11,699
12,312
10,660
10,090
15,519
20,781
6,968
9,018
8,606
37,409
8,920
14,391
9,110
9,254
12,453
24,469
13,740
12,249
10,207
7,530
13,379
12,408
18,792
9,840
7,835
15,174
10,864
45,133
27,275
30,241
9,777
7,749
8,222
NOTES:
PAYROLL TAKEN FROM DE-9 FORMS FOR
CALENDAR YEAR 2013
MEMBER DISTRIBUTION BASED ON
AN EQUAL SHARE FOR EACH MEMBER.
GENERAL DISTRIBUTION BASED ON
PAYROLL DISTRIBUTION PLUS
MEMBER DISTRIBUTION DIVIDED
BY 2.
GENERAL BUDGET
GENERAL FUND
(FROM PAGE 15)
$743,097
$743,097
Page 14
166
ADMINISTRATION EXPENSES
LINE ITEMS
CONTRACT SERVICES:
ADMINISTRATION
LEGAL SERVICES
ACTUARIAL SERVICES
CLAIMS AUDITS
FINANCIAL AUDIT
3/31/14
ACTUAL
EXPENSES
2013/14
BUDGETED
EXPENSES
2014/15
INDIRECT
EXPENSES
DOLLAR
DIFF
PERCENT
DIFF
$1,267,594
17,182
14,900
0
13,750
$1,690,125
$1,723,927
30,000
14,900
0
13,750
30,000
17,900
14,000
14,250
MEETING & RETREAT EXPENSE
CONFERENCES & WORKSHOPS
TRAINING & WORKSHOPS
POLICE MANUAL UPDATES/ FIRE MANUALS
FIDELITY & HONESTY BONDS
CAJPA ACCREDITATION
MISCELLANEOUS ADMIN EXPENSES
EPN SERVICES
27,951
8,883
28,178
89,493
0
6,250
881
10,878
44,000
16,000
30,000
191,725
1,100
7,150
1,500
9,800
44,000
12,000
35,000
185,500
1,100
0
1,500
12,000
OTHER FUNDS:
CONTINGENCY FUND
E & O SELF INSURANCE POOL
0
15,000
50,000
15,000
50,000
15,000
0
0
0.00%
0.00%
$1,500,940
$2,115,050
$2,156,177
$41,127
2.74%
$33,802
0
3,000
14,000
500
DESCRIPTION
2.00%
0.00%
20.13%
100.00%
3.64%
BICKMORE
LEGAL COUNSEL (Luther Lewis)
BICKMORE (Liability & Workers' Comp & Midlayer & SIR Study)
WORKERS' COMPENSATION CLAIMS AUDIT (Performed every other year)
FINANCIAL AUDITOR (Sampson, Sampson, & Patterson)
0.00%
-25.00%
16.67%
-3.25%
0.00%
100.00%
0.00%
22.45%
MO/QTR MEETINGS (Includes 2014/15 Retreat Scholarships and Off-Site Retreat budget of $19,000)
CAJPA, PARMA, PRIMA
WORKSHOP AND FORUM EXPENSES
ANNUAL POLICE MANUAL UPDATES THROUGH LEXIPOL/$60,500 FOR NEW FIRE MANUALS
TREASURER & KEY STAFF
CAJPA ACCREDITATION
CAJPA/PRIMA ANNUAL MEMBERSHIP & ANNUAL VISA FEE
A-CHECK AMERICA via TARGET SOLUTIONS (Rate per driver $2.50)
GENERAL EXPENSE:
TOTAL INDIRECT COSTS
LESS: ALLOCATION TO WORKCOMP PROGRAM
ALLOCATION TO LIABILITY PROGRAM
ALLOCATION TO APD PROGRAM
ALLOCATION TO LVV PROGRAM
ALLOCATION TO PROPERTY PROGRAM
AMOUNT COLLECTED FROM GENERAL FUND
0
(4,000)
5,000
(6,225)
0
(7,150)
0
2,200
UNEXPECTED COSTS
SELF INSURED POOL
-856,709
-429,195
-55,425
-5,550
-66,201
$743,097
Page 15
167
CSJVRMA
June 26, 2014
SUBJECT:
Appointment of Treasurer
Pursuant to Article IV (G) of the Bylaws "The President shall appoint, subject to the approval of
the Executive Committee, a Secretary, an Administrator, and a Treasurer. None of these
appointed officers need to be a member of the Board. The Treasurer, however, shall be the
Treasurer or Finance Officer of a Member City."
The current acting and President elect Tim Przybyla has appointed Paul Melikian to continue to
serve as Treasurer, who has held this position since July 1, 2013, subject to approval by the
Executive Committee. Mr. Melikian has expressed his willingness to continue to serve.
RECOMMENDATION:
Staff recommends the Executive Committee approve the continued appointment of
Paul Melikian as the CSJVRMA Treasurer.
None
Agenda Item 11.A.
168
CSJVRMA
June 26, 2014
SUBJECT:
Report from the Administration and Financial Subcommittee Meeting
Regarding Bickmore Acquisition
At the May Executive Committee meeting it was reported that Bickmore has been acquired by
York Risk Services Group (York). Staff reported that Bickmore will continue to operate under
the Bickmore name, current CSJVRMA staff will remain the same, and the current account
strategies, fees, and systems will remain in place.
The Executive Committee concurred that as a matter of due diligence, it would be appropriate to
direct the Administration and Financial Services Subcommittee to further discuss the York
acquisition of Bickmore with Bickmore staff, review the CSJVRMA contract in terms of any
notice provisions the CSJVRMA may want to consider, and make a report to the Executive
Committee and Board, including any recommendations that may result from the discussion.
The CSJVRMA entered into a seven-year agreement with Bickmore for risk management,
financial, and administrative services, effective July 1, 2012, and the agreement does not contain
any language regarding acquisitions. The agreement does, however, contain a termination clause
allowing the CSJVRMA to terminate the agreement with cause within the first three years of the
agreement and without cause after 36 months. The intent to terminate without cause must be
provided one year prior to the intended termination date.
On June 17th, the Administration and Financial Services Subcommittee held a meeting with
CSJVRMA staff and Mr. Rob Kramer, President, Bickmore Program Administration. Mr.
Kramer addressed all questions of the Subcommittee, noting Bickmore will remain with its
current structure for pool administration. York’s interest in acquiring Bickmore is in expanding
their pool administration services.
The Subcommittee discussed the termination clause of the contract and Mr. Kramer offered that
an addendum could be added to the contract to change the notice without cause from one year to
90 or 120 days. Upon consideration of Mr. Kramer’s suggestion, the Subcommittee agreed that
the contract should remain as is with a one-year notice of termination without cause following 36
months. The 36-month provision of the contract for notice without cause will be effective June
30, 2015. The Subcommittee agreed that this provides the CSVJRMA a full year to evaluate
services and ensure there will be no change effected by the acquisition. The Subcommittee also
considered a suggestion to name key staff members in the contract. However, because one of the
duties of the CSJVRMA is to appoint key members of Bickmore to serve on behalf of the
CSJVRMA, it was determined this addition is unnecessary.
RECOMMENDATION:
None
None
Agenda Item 11.B.
169

Central San Joaquin Valley Risk Management Authority

Transcription

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