2-Insurance Policy Schedule 2025.pdf
PDF 95 KB Posted
- Solicitation number
- RFP-RC-2026-015
- Issued by
- Rockland County, New York
About this file
This is an Insurance Policy Schedule document for Rockland County, New York, detailing the county's comprehensive insurance portfolio as of 2025. The county maintains multiple insurance policies across various coverage categories administered through different carriers and renewal dates throughout the year. Primary coverage lines include Property insurance through FM Affiliated with a $400 million limit, Commercial General Liability through Safety National with $5 million limits, Commercial Umbrella and Excess coverage through Allied World and QBE, Crime coverage through Travelers, and Cyber Liability through Greenwich. Specialized coverages encompass Highway/Sewer Permit bonds, HAZMAT and Rescue liability, 911 System policies, Watercraft hull and liability insurance for three vessels, Aircraft hull and liability coverage, Drone coverage for five units, Board of Elections Accident policies, and RSVP Volunteers coverage with associated auto liability. Workers Compensation coverage is maintained through a Consortium Fund arrangement with Safety National providing excess coverage above a $2 million self-insured retention.
The total county insurance premium expenditure is $2,122,344 excluding Workers Compensation, with an additional $312,711 dedicated to Risk and Compliance Coverage through Hanover carriers. Premium costs vary significantly across policies, ranging from $500 for Highway/Sewer Permit bonds to $541,369 for Property coverage. Most policies maintain renewal dates concentrated on January 1, 2023, with scattered renewal dates throughout the year including April, June, September, and October to accommodate specific coverage types. The county's insurance structure reflects a blend of self-insured retention and excess coverage arrangements across most major liability categories, demonstrating a risk management strategy designed to balance cost containment with comprehensive protection across county operations and special programs including aging services, volunteer management, and emergency services.
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Text version
Insurnace Policies Summary
Exposure Carrier Premium Renewal
Underlying / Retained
Limit Coverage Limit
Property FM Affiliated $541,369 04/17/2023 $100,000 $400,000,000
Boiler and Machinery included $50,000
Commercial General Liability (incl RCC) Safety National $526,764 01/01/2023 CTY- $1,000,000 SIR $5,000,000 incl NY auto fee & drone endorse. RCC- $1,000,000 SIR
Commercial Umbrella (incl RCC) Allied World $271,325 01/01/2023 $6,000,000 $5,000,000
Commercial Excess (incl RCC) QBE $66,844 01/01/2023 $6,000,000 $5,000,000
Crime - Employee Dishonesty (incl RCC) Travelers $28,668 01/01/2023 $50,000 $5,000,000
Forgery / Computer Fraud / Funds Trfr Fraud $10,000 $5,000,000
Cyber Liability Greenwich $260,000 01/01/2023 $100,000 $5,000,000
Highway / Sewer Permit C N A Surety $500 02/01/2023 $50,000
HAZMAT and Rescue
VFIS General Liabiity Policy
Covg General Liability AAIC $3,456 01/01/2023 None $1,000,000
Covg Management Liability (incl Cyber Liability) AAIC $511 01/01/2023 None $1,000,000
Covg Portable Equipment AAIC $2,502 01/01/2023 None $1,000,000
VFIS Auto Policy (BI / PD CSL) AAIC $13,951 01/01/2023 None $1,000,000
HAZMAT Accident Policy Nat'l Union Fire Ins $10,438 01/01/2023 None $100,000
Inland Marine, Special Equipment The Hartford Group $6,811 04/18/2023 None Schedule
Auto Physical Damage, Leased Vehicles Selective $4,667 02/21/2023
Equipment Floater
Fine Arts AXA $1,443 04/17/2023 Schedule
911 System Policies
Commercial Auto AAIC $2,035 01/01/2023 None $1,000,000
Commercial General Liability (incl Mgmt Liab) AAIC $12,951 01/01/2023 None $1,000,000
Insurnace Policies Summary
Watercraft (3 vessels)
Hull Travelers $10,850 09/03/2023 BI 2,500 $590,000
Liability $4,500 09/03/2023 PD $5,000 $1,000,000
$1,000,000
Aircraft
Hull AIG $24,253 10/23/2023 None $310,000
Liability $5,725 10/23/2023 None $10,000,000
Drones (5)
Hull Cost included with Liability premium Allianz $24,345
Liability $4,399 06/08/2023 None $1,000,000
Board of Elections Accident Policy Philadelphia $2,002 05/24/2023 None $25,000
***RSVP Volunteers
***RSVP Volunteers Accident QBE $1,629 07/01/2023
Excess over Health
Insurance $2,500/$50,000
***RSVP Volunteer Auto Liability QBE $502 07/01/2023 None $l,000,000
***RSVP Excess Auto Liability QBE $1,538 07/01/2023
*** Paid by Office for the Aging
County Total (INCL RCC on Excess-prem $40K) $1,809,633
RCC
General Liabiity including ELL Hanover $166,209 12/31/2022 $0.00/$25,000.00 $1,000,000
Business Personal Property Hanover $4,572 12/31/2022
Auto Hanover $50,542 12/31/2022 $1,000,000
Cyber Liability Greenwich $91,388 01/01/2023 $5,000,000
RCC Total $312,711
Workers Compensation (Consortium Fund)
Workers Compensation Excess incl Empl liab Safety National $245,989 01/01/2023 $2,000,000 SIR statutory
TOTAL ALL PREMIUMS X WC $2,122,344
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