Coverages Offered by the TNRMT Pool

COMPREHENSIVE GENRAL LIABILITY COVERAGE:
COVERAGE SECTION II

GENERAL LIABILTY, PERSONAL INJURY LIABILITY, HOST LIQUOR AND/OR LIQUOR LIABILITY, INCIDENTAL MEDICAL MALPRACTICE, LAW ENFORCEMENT ACTIVITIES

$1,000,000 LIMIT (AGGREGATE DOES NOT APPLY)

Athletic Participation Legal Liability
Corporal Punishment/Punitive & Exemplary Damage Liability
Bailee Liability for Impounded Property
Assault & Battery at Direction of Public Official to prevent riot & civil commotion
Special Events (approval and certificate required for certain events)

SCHOOL BOARD AND PUBLIC OFFICIALS ERRORS AND OMMISSIONS
COVERAGE SECTION IV

$1,000,000 LIMIT EACH CLAIM
$1,000,000 ANNUAL AGGREGATE

Sexual Harassment Endorsement - Limit is part of and not in addition to E&O
Limit of Liability
Defense of Ouster Suits ($100,000 Sub-limit)
Employment Practice Violation

AUTOMOBILE LIABILITY
COVERAGE SECTION III

$1,000,000 LIMIT EACH CLAIM AUTOMOBILE MEDICAL PAYMENTS
$5,000 ANY ONE PERSON/$100,000 ANY ONE CLAIM
$250,000 EXTENDED BODILY INJURY COVERAGE FOR CASUAL OCCUPANTS

Includes Leased or Contracted Vehicles driven by driver/owner performing duties for Member by contract on approval

PROPERTY COVERAGE
COVERAGE SECTION I - ALL RISK REPLACEMENT COST.

COVERAGE A. - REAL AND PERSONAL PROPERTY (EXCEPT AUTOMOBILES, DATA PROCESSING, FINE ARTS, MOBILE EQUIPMENT. AND VALUABLE PAPERS):

$150,000,000 PER OCCURRENCE LIMIT PER BUILDING INCLUDING CONTENTS, AS SCHEDULED

Coverage is provided for all Real and Personal Property which is owned or held on consignment, or Member agrees to insure by any contractual agreement normal to its

operation, including: leasehold improvements and betterments; Personal Property in transit; property in the course of construction, installation, repair, renovation and the like.

TNRMT will pay the Member up to 125% of scheduled building and contents values on file with TNRMT, for loss or damage based on lesser of the cost to repair, rebuild, or replace the destroyed or damaged property in a condition equal to, but not superior to, or more extensive, than its conditions when new, less any applicable deductible.

COVERAGE B. - AUTOMOBILE PHYSICAL DAMAGE

Any motor vehicle intended or designed for highway use, trailer, or semi-trailer, including its equipment and any other equipment permanently attached thereto, not including MOBILE EQUIPMENT. Self-propelled vehicles with the following types of permanently attached equipment are considered AUTOMOBILES:

Snow removal
Road maintenance, but not construction or resurfacing; or
Street Cleaning

Coverage based on Actual Cash Value or cost to repair, whichever is less

COVERAGE C. - GARAGEKEEPER’S LEGAL LIABILITY

Includes AUTOMOBILES left in the Member’s care for which the Member is legally responsible.

Coverage includes All Risk of Direct Physical Loss to the Automobile subject to coverage limitations, terms, and conditions.

ADDITIONAL COVERAGES

The following coverages are included at the lesser of your total schedule or the TNRMT pool’s minimum limits or values, subject to all policy provision, conditions and any applicable deductible:

Flood and Surface Water
Flood Zone “A” - Limited Coverage
Data Processing Extra Expense
Data Processing Systems Equipment
Data Processing Media
Valuable Papers
Fine Arts
Glass (including stained glass and vandalism) - All buildings
Extra Expense
Newly Acquired Property
New Construction - Builders’ Risk (up to $500,000, higher limits available)
Inland Marine
Mobile Equipment
Radio and other Miscellaneous Equipment
Property in Transit Wherever Located
Expense to Reduce or Prevent Loss
Debris Removal
Architects’ and Engineers’ Fees
Civil Authority Clause
Ordinance Deficiency Clause
Unintentional Errors and Omissions
Joint Loss Clause with Boiler and Machinery coverage

WORKERS COMPENSATION AND EMPLOYERS LIABILITY:
COVERAGE SECTION V

LIMITS OF COVERAGE FOR EACH OCCURRENCE:

WORKERS COMPENSATION LIMIT - STATUTORY

$1,000,000 - Employers Liability - Each Accident
$1,000,000 - Employers Liability Disease - Each Employee
$1,000,000 - Employers Liability Disease - Policy Limit

EMPLOYEE BENEFITS LIABILITY:
COVERAGE SECTION VI

$1,000,000 LIMIT OF COVERAGE FOR EACH CLAIM
$1,000,000 ANNUAL AGGREGATE

Employee Benefits Liability covers the risk of administering employee benefits programs. Employee Benefits means group life coverage, group accident or health coverage, pension plans, profit sharing plans, employee savings and investment plans, employee stock subscription plans, travel or vacation plans, workers compensation unemployment coverage, social security, disability benefits coverage, employee welfare benefit plans and welfare plans, and any other similar EMPLOYEE BENEFITS PROGRAMS.

CRIME
COVERAGE SECTION VII

LIMIT OF COVERAGE FOR EACH CLAIM:

$150,000 MONEY & SECURITIES
$150,000 FORGERY or ALTERATION
$150,000 EMPLOYEE DISHONESTY

STUDENT AND ATHLETIC ACCIDENT

$10,000 LIMIT FOR EACH OCCURRENCE

ALL POLICY COVERAGE AND LIMITS ARE SUBJECT TO POLICY PROVISIONS AND CONDITIONS AND APPLICABLE DEDUCTIBLES.