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City of St. Anthony 19-May-92
<br /> 1987-88 1988-89 1989-90 1990-91 1991-92 1992-93 92-93 92-93
<br /> Sub'ect of Insurance LMCIT LMCIT LMCIT LMCIT LMCIT LMCIT Change Percentage
<br /> Property 13,783 9,829 10,907 7,367 8,181 7,871 (310) -3:79%
<br /> Limit 3,629,300 4,035,392 4,609,800 4,933,800 4,965,300 5,062,950 97,650 1.97%
<br /> Rate per(00's): 0.380 0.244 0.237 0.149 0.165 0.155 -5.64%
<br /> Inland Marine 1,391 1,262 1,245 1,021 1,274 1,294 20 1.57%
<br /> Boiler&Machinery 310 270 270 302 311 342 31 9.97%
<br /> Crime 9,243
<br /> Fidelity 741 719 800 820 820 765 (55) -6.71%
<br /> Automobile 13,315 10,893 11,181 8,890 12,233 12,505 272 2.22%
<br /> $600,000 CSL
<br /> Liability Deductible: 0 10,000 10,000 10,000 10,000 10,000
<br /> Comprehensive Deductible: 250 10,000 10,000 10,000 10,000 10,000
<br /> Collision Deductible: S00 10,000 10,000 10,000 10,000 10,000
<br /> General Liability 30,688 23,218 26,856 25,007 37,569 41,926 4,357 11.60%
<br /> $600,000 CSL
<br /> Liability Deductible: 10,000 10,000 10,000 10,000 10,000
<br /> Workers'Compensation 75,524 72,232 63,822 90,781 79,365 95,797 16,432 20.70%
<br /> Payroll 1,447,721 1,571,733 1,601,732 1,733,639 1,744,700 1,831,300 86,600 4.96%
<br /> • Experience Modification 1.38 1.21 0.95 1.08 0.91 1.00 9.89%
<br /> Average Rate w/out Exp Mod 3.78 3.80 4.19 4.85 5.00 5.23 4.65%
<br /> Liquor Liability 77,838 47,741 46,228 48,583 59,691 63,165 3,474 5.82%
<br /> $500,000 Audited Audited ST 10% dis for IDA Training
<br /> Public Officials Liability 5,503 3,506 2,852 2,386 2,742 3,007 265 9.66%
<br /> Inverse Condemnation 813 1,221 Included (1,221)
<br /> $600,000
<br /> Liability Deductible: 2,500 10,000 10,000 10,000 10,000 10,000
<br /> Agent.Fee: - 7,000 7,000 7,000 6,750 5,000 4,000 (1,000) -20.00%
<br /> commission Offset 0 0 0 2,135 1,587 2,082
<br /> Total 252,302 176,670 171,161 189,773 205,599 228,590 22,991 11.18%
<br /> $10,000 Per Occurrence/$50,00 0 0 0
<br /> Maintenance Deductible-$1,00
<br /> $25,000 Per Occurrence/$125,0 (10,921) (17,647) (18,649)
<br /> Maintenance Deductible-$1,00
<br /> Standard Deductibles 64,680 65,515 71,343 60,086 83,392 89,584
<br /> Deductible Savings 20,313 21,154 17,800 24,135 25,988 109,389
<br /> Dividends 11,376 21,189 25,536 24,461 35,235
<br /> Retro Return(Additional) 46,477 (2,493) 37,227 8,000
<br /> Losses Win Deductible 0 11,859 16,379 8,500 24,311 61,049
<br /> •(Assumes Reserves) Interest 6,307
<br /> Surplus Available 57,853 6,837 46,384 23;961 10,924 0 199,127
<br /> Prepared By: American Risk Services, Inc.
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