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Zurich North America Compared To Church Mutual Programs FOR AME CHURCH INSURANCE

By Mann Consulting

Services for Real Estate Pros with MANN CONSULTING

January 29, 2009 04:29 AM

Carrier Name	Church Mutualhttp://www.manninsurance.net/church_program.html	Zurich
Coverage	Limit	Premium	Notes	Limit	Premium	Notes
Property	13,073,000	$14,755		13,073,000	$18,439
Liability	$1M/$3M		$300K Prop dam legal lia	$1M/$3M	$1,709
Auto		$1,463			$1,273
WC		?$2,796?	unsure what current prem is		$2,796
Abuse	$300,000	included		1,000,000	$732
Umbrella		N/A		$1,000,000	$450
Total		$19,014			$25,399
					$24,586	Final Quote after UWconsideration
Pkg Built in Coverage Property
Accounts Receivable				$25,000
Antennae and Satellites				$1,000		$1,000 deductible
Money & Securities	$25,000		100 deduct, X2 Holidays	$50,000/$25,000		$50K in / $25K out
Blanket Bond	$25,000
Identity Theft	$15,000		Case Mgt 12 months
Fine Arts	$30,000		250 decuctible	$30,000		$1,000 deductible
Newly Constructed Bldg	$1,500,000		up to 180 days	$500,000		$1,000 ded - up to 180 days
Newly acquired Bldg	$1,500,000		up to 180 days	$500,000		$1,000 ded - up to 180 days
Pers. Prop at Newly Acq Locas			$250,000		$1,000 ded - up to 180 days
Personal Property Others	$10,000
Bus Pers Prop Clergy	$25,000
Tools & equipment	$5,000			$5,000		$1,000 deductible
Valuable Pap & comp records	$15,000			$25,000
Prop temp off premises	$25,000		up to 180 days	$25,000		$1,000 deductible
Outdoor tress & plants	$10,000		up to $1,000 per item	$10,000		$1,000/per item and $1,000 ded
Outdoor structures	$10,000
Dwellings for related structures		10% of policy limit
Property in dwelling			5% of policy limit
Loss of dwelling rental value			5% of policy limit
Additional living expenses			10% of policy limit
Debris removal			25%limit pluse $15,000	$10,000		each location
Prop moved off premises			for up to 30 days
Fire Dept service charges	$30,000			$10,000
Recharge fire extinguishers			actual cost covered	$1,000
Loss of Business income	$20,000		and extra operation exp	ALS		12 months actual loss sustained
Lock repair if stolen keys	$1,000			$1,000
Food spoilage	$2,000		for off premise power fail	$5,000		$1,000 deductible
Arson Reward	$10,000
Pollution Clean up	$10,000			$10,000		$1,000 ded
Demolition undamaged building	$100,000
Employee Dishonesty				$10,000
Back up of Sewers/Drains				$25,000		per loca - $1,000 ded
Building Ordinance or Law				$50,000
Full Glass Breakage				included		$1,000 ded
Theft of Personal Prop				included		$1,000 ded
Equipment Breakdown				included		$1,000 ded
Forgery or Alteration				$10,000
Free Standing Fences/Walls				$2,500		$1000 ded
Inventory/Appraisal				$5,000
Money Orders/Counterfeit Currency			$5,000
Off Prem Power/Water Failure			$10,000		$1,000 ded
Personal Property - EE's				$2,500		$1,000 ded
Signs				$5,000		$1,000 ded
Personal Property in Transit				$2,500		$1,000 ded
Peak Season Pers Prop Incr						50% of limit


Built in coverage Liability
Medical expenses	$10,000		Per person per occurrence	$10,000
Loss of life	$10,000		Per person $20K per acc.
Sexual Abuse	$300,000		per claim and aggregate	$1,000,000		$1,000 deductible
Hired & nonowned auto	$1M/$3M			$1,000,000
Rented vehicle	$100,000		$250 deductible	$1,000,000		hired/non-owned
Damage to property of others	$500
Legal Defense	$5K/$15K			unlimited		not incl in pol limit
Catastrophic Violence	$50K/$300K	$300K limit for policy term
Professional Liability	$1M/$3M		Counseling Prof Liab	$1M/$3M		Counseling Prof Liab
D&O	$1M		$1,000 retention w retro date	$1M/$3M		D & O Liab
Affiliated entity dispute	$25K/$50K		add on to D&O
				http://www.manninsurance.net/church_program.html

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Zurich North America Compared To Church Mutual Programs FOR AME CHURCH INSURANCE

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