Thanks
for checking the TMLIRP website to learn more about the Rerate Exposure
Summaries. We hope your questions will
be answered here. If not, call us toll free at 800 537-6655 to speak with your underwriter, field services
representative or loss prevention representative. Your field services representative’s cell phone number is also
shown on the cover page of your exposure summary.
The rerate exposure summary is a questionnaire that tells the Pool about changes to your operations on an annual basis. The Interlocal Agreement requires each member to provide updated information to the Pool prior to September 1 each year. That information is used to determine the member’s contribution. It also alerts the Pool to changes in your operations and exposures that might require additional risk management assistance.
The Fund Contact is the person authorized by the member to make decisions about coverage and has the authority to verify information on the re-rate exposure summary. Members must select a Fund Contact as the legal connection between your local government and the Pool. By signing the re-rate exposure summary, the Fund Contact is accepting responsibility for the completeness of the information provided. If you have a last minute change in management, the summary can be signed by the interim ranking official or department head such as Mayor Pro-Tem, Interim Finance Director or the Board Director.
Members receive the summary well in advance of the effective date to allow time for review and completion – this way the Pool can provide your new contributions in time for budget preparation. Exposure summaries should be returned within 30 days. The summaries are processed in the order they are received.
Extensions are available. Please call your underwriter to let him or her know of your situation if you need longer than 30 days to complete your summary.
Budget. Which one? Use the budget currently in force, not the one you are working to pass.
The vehicle schedule included in the rerate exposure summary is updated once a year, but you are encouraged to report changes throughout the year. Vehicles acquired after the effective date are added for liability without additional charge, but the change will be acknowledged in writing. There is no credit issued for deleted vehicles after the schedule is processed. Physical damage (comprehensive and collision) coverage depends on the coverage you have now and whether you have “Fleet Automatic” or “Designated Types” coverage for newly acquired vehicles (see below).
Hired and Non-Owned Auto Liability coverage applies to employees or the governing body using their personal vehicles on behalf of your entity. For example, you go to a local store to purchase office supplies and have an accident that is your fault. You report the incident to your personal insurance company and to the Pool. If your personal policy limits are used up, the Pool will step in to pay damages up to the member’s Auto Liability limit.
Automobile Physical Damage.
Automobile Physical Damage is coverage for damage to the member’s vehicle. It is a combination of Comprehensive and Collision and is subject to one deductible.
Examples are emergency light bars, attached radios, aerial ladders, snorkels, truck-mounted cherry pickers. Coverage for machinery and equipment permanently affixed to the vehicle must be included in the reported vehicle value for them to be covered under Auto Physical Damage.
Liability coverage is automatic. If you want to include Automobile Physical Damage, you have 2 options: “Fleet automatic” or “ Designated Types.”
Fleet Automatic means you intend to cover your entire fleet of vehicles and you want any additions to be covered automatically for physical damage.
Designated Types means you only want certain categories of vehicles to be covered automatically, such as “All vehicles valued over $10,000” or “All firetrucks”.
Real Property includes buildings and any permanently attached structures such as pumps, motors, panels, electronic controls, balers, SCADA systems, etc. It also includes certain unattached structures such as basketball courts, soccer goals, emergency generators associated with a building, standpipes, docks, antennas, bleachers, flag poles, outdoor fountains and water features, statues and monuments. Each building and unattached structure must be individually reported on the property schedule.
What about appliances? Appliances
such as refrigerators, stoves and washers/dryers are considered part of the
real property and their value should be included in the building value.
Yes. Any item acquired during the year should be reported to the Pool if coverage is desired.
Personal Property is the same thing as Contents. It includes office furniture, copiers, computers, member-owned tools, raw inventory (pipes, signs, extra appliances, etc.) and miscellaneous equipment (other than “mobile equipment”) kept in a building. It also includes leased equipment, such as copiers, if the contract requires you to be responsible for damage, as well as improvements you make to real property that you lease from others. Be sure to add these values to your contents at these locations.
If there is no contents value listed for a location, TMLIRP assumes the building is empty or the contents belong to another party. No claims would be paid for contents at that location.
No. Vehicles are covered by Automobile Physical Damage (if elected) and will always be listed with their individual values on the automobile schedule. Do not include vehicles in the contents value of any building. For example, fire trucks should be listed on your automobile schedule for physical damage and not included as contents at the fire station.
Equipment carried on but not
affixed to a vehicle must be reported as contents on your Real & Personal
Property Schedule. Examples are fire
hoses, air packs, bunker suits, jaws of life, hand tools, computers and cameras
that are not permanently attached.
Mobile Equipment is NOT handheld communication equipment such as radios and pagers. Most mobile equipment is not licensed for street use but is intended for off road use. Examples include:
Golf carts
Boats
All Terrain Vehicles
Riding Lawn Mowers
Tractors
Backhoes
Front end loaders
Trailer-mounted generators and compressors
Make copies of your property schedule and give them to all department heads that have buildings outside your administrative building—i.e. parks, public works, airport, library and so on. Have the department heads update their portions of the schedule and list each individual structure at each facility—including outbuildings such as storage sheds.
Another option is to physically visit all operations to help capture the items at each location. Field Services Representatives are available to help with this type of survey.
Review your property schedule with all of your operations in mind - do you have a swimming pool, rodeo arena, senior citizen center, recreation center, golf course, landfill, shooting range or museum? Have you started a new operation such as a recycling center, new park, softball complex, etc.? Each building at these locations, along with contents values, needs to be reported individually on the supplemental pages of the exposure summary. Changes to existing locations can be made right on the property schedule.
Complexes such as parks should have a value listed for each structure or type of item. Examples: restroom #1, restroom #2, playscape, concession stand, bleachers, freestanding scoreboard. Duplicate items such as ballfield lights can be grouped as one listing, e.g., “ballfield lights (6)”. Be sure to include the year built and address for each item.
The Pool provides numerous coverages for Texas political subdivisions. If you are interested in obtaining a quote for any of the coverages listed below, please contact your Field Services Representative at (800) 537-6655.
Full coverage for employees and optional coverage for officials and volunteers.
General Liability
Automobile Liability and Automobile Physical Damage
Law Enforcement Liability
Public Officials Errors & Omissions Liability
Airport Liability
Supplemental Sewage Backup
Real & Personal Property
Boiler & Machinery
Mobile Equipment
Crime Coverage (Including Public Employee Dishonesty)
Animal Mortality for Police Dogs
Special Events
We can also assist you with placing Bonds for your Public Officials, Flood Coverage through the National Flood Insurance Program and Windstorm Coverage if you are in special hazard areas.