RFP 22-033 Business Insurance Broker Services - Addendum 1 with Exhibits A-H - Final.pdf

RFP 22-023 Addendum #1

SALEM AREA MASS TRANSIT DISTRICT

REQUEST FOR PROPOSALS

RFP 22-033

BUSINESS INSURANCE BROKER SERVICES

ADDENDUM #1

Salem Area Mass Transit District is providing information and making changes / additions / modifications / revisions as an Addendum to RFP 22-033.

The following changes, clarifications and SAMTD responses to questions posed to date are hereby provided to all proposers:

1. Question: On the Formatting side, Can we submit in our own format? We will follow the questions precisely and provide the excel documents as well but the formatting team likes to try and work within their base formatting if possible.

Answer: Exhibits 1-14 cannot be altered in any way. Please refer to Instructions for Proposers, Part 1 for additional information. Proposers may incorporate the exhibits into other sections of a proposal, however Exhibits 1-14 should be incorporated into the proposal as a group as well.

2. Question: Can proposers have a list of insurance policies currently procured by SAMTD that would be part of the scope of work, along with the corresponding retentions/deductibles, limits, currently valued loss run reports, and premiums?

Answer: This information is provided in Exhibits C-H to this Addendum #1.

3. Question: Is the premium solely in the possession of the incumbent agent?

Answer: Yes

4. Question: Who is your current agent/broker, how long have you worked with them, and do they place all lines of coverage?

Answer: Brown & Brown Northwest. They have been the incumbent broker for eight years.

They place all lines of coverage as our Broker of Record.

5. Question: What form of Risk Control services does SAMTD receive now?

RFP 22-033 Addendum #1

Answer: SAMTD receives a wide range of Risk Control services including online training, risk management documents and policies, HR services, Legal services, Claims handling services, Learning Management System access and support, Risk and HR webinars, workers comp support, risk analytics quarterly reports, etc.

6. Question: How involved is your current broker with Claims Advocacy and prompt handling/closure of claims?

Answer: SAMTD’s current broker is familiar with all claims and provides support and consultation as needed.

7. Question: What is the structure of the current broker’s compensation (i.e. fee and/or commission)? What is the total dollar amount of their compensation?

Answer: Broker is compensated on a quarterly basis in a fee for service scenario.

Compensation is not commission based. Annual compensation in the current contract year is $27,018.

8. Question: Please share what drove the decision to undergo this RFP for broking services.

Answer: The current contract is expiring. In accordance with SAMTD procurement and fiscal policy, SAMTD is advertising a competitive solicitation for a replacement contract.

9. Question: What exposures/line(s) of coverage are SAMTD’s biggest concern?

Answer: Property, Liability, and Worker’s Compensation.

10. Question: Does SAMTD purchase excess liability coverage or an umbrella?

Answer: No

11. Question: Are all vehicles operated under SAMTD’s authority or is there a portion that are operated by a third party?

Answer: All insured vehicles are operated by SAMTD.

12. Question: Telematics/Technology installed in buses (Cameras, Lane Departure, etc.)

Answer: All buses are equipped with internal and external cameras and audio recorders.

Buses are tracked via GPS transponders.

13. Question: Driver Hiring Criteria (Years of Experience in Similar Equipment, Allowable

Violations vs. Non-Allowable, etc.)

Answer: All new drivers are required to undergo Entry-Level Driver Training per DOT regulations. All commercial drivers are subject to DOT Driver Qualifications and Drug & Alcohol requirements. MVRs are monitored at least annually.

14. Question: Do you have continuous Driver Monitoring Systems? (MVRs, Violations, Training, etc.)

Answer: Yes

15. Question: Can you provide a sample Contract with Regional Partners?

Answer: SAMTD has many contracts and Intergovernmental Agreements with it suppliers and regional partners. This request is vague and cannot be reasonably responded to.

16. Question: Do you have client service instructions in place?

Answer: SAMTD does not understand this question as it relates to the scope or requirements of the current solicitation, and therefore offers no additional information in response.

17. Question: Do you have a return-to-work program in place?

Answer: Yes

18. Question: Are you using the EAIP (Employer-at-Injury Program) program?

19. Question: Do you have one indemnity adjuster assigned or multiple?

Answer: Multiple adjusters.

20. Question: Do we have your permission to use your logo or images in our RFP response?

21. Question: What are your key business priorities over the next 3-5 years?

Answer: SAMTD is continually seeking out service improvements for our riders and the community in which we serve. At a high level, we are focusing efforts on our battery electric bus program, expanding services, adding infrastructure and transit centers, and focusing on our strategic priorities in line with our Vision, Mission, and Values. Please visit our webpage at www.cherriots.org for additional information.

22. Question: Any merger/acquisition activity in your pipeline?

Answer: No

23. Question: Please share any pain points or (“What keeps you up at night?”)

Answer: SAMTD elects not to respond to this vague request and is not calculated to lead to information that pertains to the current solicitation..

http://www.cherriots.org/

24. Question: Why have you taken your P&C Brokerage out for RFP?

Answer: The current contract is expiring. In accordance with SAMTD procurement and fiscal policy, SAMTD is advertising a competitive solicitation for a replacement contract.

25. Question: How is your current broker compensated and what is the amount?

Answer: Broker is compensated on a quarterly basis in a fee for service scenario.

Compensation is not commission based. Annual compensation in the current contract year is $27,018.

26. Question: What are the key attributes of your ideal broker?

Answer: Broad range of experience with significant technical resources and access to multiple markets for procurement of insurance.

27. Question: Who are the decision makers in the broker selection process (names/roles)?

Answer: Christina Conner, Chief Human Resources Officer; David Trimble, Assistant General Manager; Allan Pollock, General Manager / CEO.

28. Question: Please outline your limits/deductibles/carrier by line of coverage.

Answer: This information is provided in Exhibits C-F to this Addendum #1.

29. Question: Please provide 5 years of loss runs for all coverage lines.

Answer: This information is provided in Exhibits G-H to this Addendum #1.

30. Question: What are your total premiums by line of coverage?

Answer: This information is provided in Exhibits C-F to this Addendum #1.

31. Question: Do you utilize any telematics/GPS tracking of your fleet? If so, who is the provider & the cost?

Answer: All Local revenue and Cherry Lift vehicles, as well as non-revenue staff vehicles are equipped with a CAD/AVL system provided by GMV Syncromatics. Other contracted services vehicles are not equipped with a telematics system.

32. Question: How are your employees currently receiving safety training?

Answer: Training provided via several modes including online, in-person, and self-directed.

33. Question: Was your Diversity, Inclusion and Equity plan adopted this past summer? If not, what is the timing for implementation?

34. The solicitation close and responses due date has been extended to November 17, 2022 at

4:00PM PST.

35. The Agenda for Pre-Proposal Conference that was held on 10/27/2022 is attached as Exhibit “A” to this Addendum.

36. The Attendance Sheet for the Pre-Proposal Conference that was held on 10/27/2022 is attached as Exhibit “B” to this Addendum.

All other specifications and terms and conditions remain unchanged.

By: Charleen McCurdy Procurement & Contracts Analyst

Salem Area Mass Transit District 555 Court Street NE, Suite 5230 Salem, Oregon 97301 November 9, 2022

BUSINESS INSURANCE BROKER SERVICES

PRE-PROPOSAL MEETING AGENDA

SAMTD RFP No. 22-033 Project Name: Insurance Broker Services

Thursday, October 27, 2022 at 2:00 PM (Mill Creek Conference Room) SAMTD Administrative Offices, 555 Court Street NE, Suite 5230, Salem, OR 97301

Pae 1 of 2

A. WELCOME

1. Sign-in sheet

2. Introductions

a. Procurement Contact: Charleen McCurdy, Procurement & Contracts Analyst

b. Project Manager: Christine Conner, Chief Human Resources Officer

B. PROJECT DESCRIPTION, DELIVERY METHOD & SCHEDULE

Description: Salem Area Mass Transit District (dba Cherriots’) is soliciting Proposals for Insurance

Broker Services. The term of a resultant contract will be comprised of an initial three (3) year base term, with four (4) additional one year periods.

Successful proposer shall be licensed by the State of Oregon to do the work required under the resultant contract.

All items or services to be furnished under the solicitation and resultant contract shall meet all applicable state and federal requirements of the Occupational Safety and Health Standard.

Successful proposer shall obtain and maintain in current status all applicable permits and licenses.

1. Delivery Method—Project will be performed under a single Prime Contract.

2. Project Schedule and Completion Time:

a. Notice of Intent To Award: December, 2022 (Estimate)

b. Notice Proceed: January 3, 2023 (Estimate)

c. Service completion:

Final Completion (All Options Executed) on or before December 31, 2029 (Estimate – if all option years are executed)

C. PROPOSAL PROCESS AND PROPOSER INSTRUCTIONS

1. Request for Proposal, Plans, Specifications, Addenda, and other related documents for this project are available on the procurement page of the State of Oregon OregonBuys website.

www.oregonbuys.gov Notice #S-KS2410-00004698

2. Important Dates:

a. Submit Questions Deadline: November 1, 2022: 4:00PM PDT

b. Issue Addendum Response to Questions: November 4, 2022: 5:00PM PDT

c. Solicitation Closes: November 15, 2022: 4:00PM PDT

d. Issue Notice Of Intent To Award: December, 2022: (Estimate)

e. Contract Award and Notice To Proceed: January 3, 2023: (Estimate)

3. Required Proposal Submittals — See required items on Salem Area Mass Transit District “Instructions For Proposers” and “Exhibits” included in the Request For Proposal.

EXHIBIT A RFP 22-033

Addendum #1

SALEM AREA MASS TRANSIT DISTRICT

Business Insurance Broker Services http://www.oregonbuys.gov/

PRE-PROPOSAL MEETING AGENDA

SAMTD RFP No.: 22-033 Insurance Broker Services Thursday, October 27, 2022 at 8:30 AM SAMTD Administrative Offices, 555 Court Street NE, Suite 5230, Salem, OR 97301

D. SAFETY AND SECURITY

1. Safety Requirements—Job Site Conditions

The successful proposer shall take all necessary precautions for the safety of all personnel on the job site, and shall comply with the Contract Documents and all applicable provisions of federal, state and municipal safety laws and building codes to prevent accidents or injury to persons on, about or adjacent to the premises where the Work is being performed. Contractor shall erect and properly maintain at all times, as required by the conditions and progress of the Work, all necessary safeguards for protection of workers and the public against any hazards created by the installation and provision of goods and services. Contractor shall designate a responsible employee or associate on the Work site, whose duty shall be the prevention of accidents. The Owner's Authorized Representative has no responsibility for Work site safety. Work site safety is the responsibility of the successful proposer.

2. Site Visitation & Viewing

Not available for this solicitation.

E. INSURANCE

Requirements as identified in RFP 22-033 Exhibit B - Sample Contract, Special Contract Conditions, Section SP.7 “Insurance”.

F. BONDING

This requirement is “Reserved” for this procurement.

G. SPECIAL CONSIDERATIONS

1. Compliance with local requirements for the Jurisdictions where work is performed.

2. Coordination with SAMTD Security and Business Operations. SAMTD Project Manager will be liaison with these SAMTD organizations.

H. SAMTD SUPPLEMENTARY CONDITIONS & SUPPLEMENTARY INSTRUCTIONS

Please review all solicitation documents thoroughly to ensure complete understanding of all supplementary conditions and instructions.

1. Please review Part 1, Section 3, Subsection 2 (A-F) regarding preparation of proposals.

I. TOUR OF AREA WHERE WORK IS TO BE PERFORMED

There will be no tours associated with the Conference today.

J. QUESTION & ANSWER PERIOD (Solicitation Requirements)

K. SCOPE OVERVIEW BY SAMTD PROJECT MANAGER – Christine Conner/ Deb Grant

L. QUESTION & ANSWER PERIOD (Scope Requirements)

EXHIBIT B RFP 22-033

Addendum #1

CONFIRMATION OF INSURANCE

THE TERMS AND CONDITIONS OF THIS CONFIRMATION OF INSURANCE MAY NOT COMPLY WITH THE SPECIFICATIONS SUBMITTED FOR CONSIDERATION. PLEASE READ THIS CONFIRMATION CAREFULLY AND COMPARE IT AGAINST THE QUOTE PROVIDED & SUBMISSION DOCUMENTS. PLEASE REVIEW THE POLICY FORMS FOR THE ACTUAL COVERAGE'S PROVIDED. IN

THE EVENT OF DIFFERENCE, THE POLICY WILL PREVAIL.

IN ACCORDANCE WITH YOUR INSTRUCTIONS, AND IN RELIANCE UPON THE STATEMENTS MADE BY THE RETAIL BROKER IN THE

APPLICATION/SUBMISSION, THE INSURER HAS BOUND COVERAGE AS FOLLOWS:

DATE ISSUED: January 4, 2022

PRODUCER: Cathi Pham Brown & Brown Northwest - Portland OR 601 SW 2nd Avenue, Ste 1200 Portland, OR 97204

INSURED: Salem Area Mass Transit District 555 Court St. NE #5230 Salem, OR 97301

INSURER: HSB Specialty Insurance Company Non-Admitted

A.M. BEST RATING: A++, X

POLICY NO.: 6606913-02

COVERAGE: Cyber Liability

POLICY PERIOD: 1/1/2022 TO 1/1/2023

12:01 A.M. STANDARD TIME AT THE LOCATION ADDRESS OF THE NAMED INSURED. THIS INSURANCE BINDER WILL BE TERMINATED AND SUPERSEDED UPON DELIVERY OF THE POLICY(IES) ISSUED TO REPLACE IT, 60 DAYS OF THE DATE OF THIS BINDER OR

EFFECTIVE DATE OF COVERAGE.

LIMITS OF LIABILITY: $1,000,000 Aggregate Limit of Insurance Information Privacy

$1,000,000 Information Privacy Liability $1,000,000 Regulatory Liability $1,000,000 Event Response and Management $1,000,000 PCI-DSS Liability

Network Security $1,000,000 Network Security Liability $1,000,000 Event Response and Recovery

Business Interruption $1,000,000 Direct Business Interruption (including System Failure) $1,000,000 Contingent Business Interruption (including System Failure)

Cyber Extortion $1,000,000 Cyber Extortion

Financial Fraud $250,000 Social Engineering $250,000 Computer Fraud

Media Content $1,000,000 Media Liability $1,000,000 Media Event Response

Reputational Harm $1,000,000 Reputational Harm

RETENTION: $10,000 Each Claim 8 Hours Waiting Period, System Failure 180 Days Indemity Period, Reputational Harm

RETROACTIVE DATE: Full Prior Acts

PREMIUM: $12,739.00 Flat Annual Premium, plus OR Surplus Lines Taxes and Fees.

EXHIBIT C RFP 22-033

Addendum #1

SURPLUS LINES TAXES/FEES: $262.78 Surplus Lines Tax $10.00 Stamping Office Fee $39.42 Oregon State Fire Marshal

THE FILING OF SURPLUS LINES TAXES & FEES IS THE RESPONSIBILITY OF: ECC Insurance Brokers, LLC

FEES $400.00

Note that a fee is being charged in addition to the commission

$13,451.20

TOTAL:

: Broker Fee

TERMS AND CONDITIONS / ENDORSEMENTS AND EXCLUSIONS; INCLUDES BUT NOT LIMITED TO:

EXTENDED REPORTING PERIOD OPTIONS MAY BE AVAILABLE.

DEFENSE IS INSIDE THE LIMIT UNLESS OTHERWISE NOTED.

Continuity Date: 7/21/2014 Prior and Pending Litigation Date: 7/21/2014

Policy Forms Cyber Insurance Policy Declarations AB-CYB-004 08/2021 Cyber Insurance Policy AB-CYB-001 08/2018 Terrorism Risk Insurance Act Disclosure AB-CYB-002 08/2020 Service of Process Endorsement AB-CYB-029 08/2018 Reputational Harm Insuring Agreement AB-CYB-034 02/2019 Contingent and Direct System Failure AB-CYB-045 07/2020 Oregon Marijuana Exclusion Endorsement AB-CYB-OR 08/2018 War & Cyber Terrorism Enhancement AB-CYB-064 10/2019 California Consumer Privacy Act Enhancement AB-CYB-062 10/2019 Law Enforcement Cooperation Enhancement AB-CYB-066 10/2019 Voluntary & Preventative Shutdown Coverage AB-CYB-063 10/2019 Financial Fraud Funds or Securities Endorsement AB-CYB-050 02/2019 Social Engineering Forged Instruments Carveback AB-CYB-065 10/2019 Explicit Bricking Coverage Endorsement AB-CYB-044 02/2019 Affirmative Pay-On-Behalf Intent (1st Party) AB-CYB-058 04/2019 HIPAA/HITECH Betterment Coverage ($25,000) AB-CYB-060 04/2019 PCI-DSS Betterment Coverage ($25,000) AB-CYB-081 03/2020 Enhanced Settlement Provision (90/10) AB-CYB-054 04/2019 Affirmative Voluntary Notification Costs ($100k) AB-CYB-056 04/2019 Contingent Bodily Injury Coverage (Sub-Limit) AB-CYB-068 10/2019 Invoice Manipulation Coverage AB-CYB-059 04/2019 Funds Transfer Fraud Coverage AB-CYB-061 09/2019 CryptoJacking & Utility Coverage (Full Limits) AB-CYB-067 10/2019 Breach Costs Outside (Additional Limit) AB-CYB-069 10/2019

THIS CONFIRMATION OF INSURANCE IS SUBJECT TO THE FOLLOWING INFORMATION BEING RECEIVED WITHIN 10 DAYS

OF THE EFFECTIVE DATE:

None

ALL OTHER TERMS AND CONDITIONS APPLY PER THE POLICY FORM

CANCELLATION: THIS POLICY IS SUBJECT TO THE CANCELLATION PROVISIONS AS FOUND IN THE POLICY(IES) OR CERTIFICATE(S) CURRENTLY IN USE BY THE INSURER. THE INSURANCE EFFECTED UNDER THE INSURER'S BINDER CAN BE CANCELLED BY THE INSURER (SUBJECT TO STATUTORY REGULATIONS) BY MAILING, TO THE INSURED AT THE ADDRESS STATED ON THE FACE OF THIS CONFIRMATION OF INSURANCE, WRITTEN NOTICE STATING WHEN SUCH CANCELLATION SHALL BE EFFECTIVE. IN THE EVENT OF CANCELLATION BY THE INSURED, THE EARNED PREMIUM WOULD BE SUBJECT TO THE

MINIMUM PREMIUM IF APPLICABLE.

THIS CONFIRMATION OF INSURANCE IS ISSUED BASED UPON THE INSURER'S AGREEMENT TO BIND AND IS ISSUED BY ECC

INSURANCE BROKERS, LLC. WITHOUT ANY LIABILITY WHATSOEVER AS AN INSURER.

PREMIUM PAYMENT IS DUE WITHIN TWENTY (20) DAYS FROM EFFECTIVE DATE UNLESS OTHERWISE STIPULATED.

AUTHORIZED REPRESENTATIVE

Scott Brumberg, Executive Vice President - Financial Services

INSURED: , Salem Area Mass Transit District DATE ISSUED: January 4, 2022

Reference #:0645904

Certificate Number: 37P30802-394 Coverage Period: 1/1/2022 through 12/31/2022

Named Participant: Agent of Record:

Salem Area Mass Transit District

555 Court St NE, Ste 5230

Named Participant:

Brown & Brown Northwest-Portland

Salem, OR 97301

PO Box 29018

Portland, OR 97296

Special Districts Insurance Services Trust

SDIS Liability Coverage Declarations

$25,000,000 maximum limit for all SDIS Trust Participants involved in the same Occurrence or Wrongful Act.

$111,163.00Total Contribution:Forms applicable to Named Participant:

SDIS Liability Coverage Document effective January 1, 2022

Unless otherwise indicated in Section III Additional Coverages of the SDIS Liability Coverage Document, the following Additional Coverages are not in addition to the Total Limit of Liability identified above.

Additional and Supplemental Coverages

Per Occurrence Limit of Liability $10,000,000 None

SDIS Liability Coverage Limit Deductible

Per Wrongful Act Limit of Liability $10,000,000

No Limit Except as Outlined Below

None

Annual Aggregate Limit of Liability

Limits of Liability:

None

Ethics Complaint Defense Costs

EEOC/BOLI Defense Cost

$5,000

$10,000,000

$5,000

None

Included

Included

Limited Pollution Coverage $250,000 $250,000 IncludedNone

Injunctive Relief Defense Costs $25,000 $25,000 Included

Applicators Pollution Coverage $50,000 $50,000 IncludedNone

Premises Medical Expense $5,000 $5,000 IncludedNone

None

None

None

Fungal Pathogens (Mold) Defense Costs $100,000 $100,000 IncludedNone

Lead Sublimit Defense Costs $50,000 $50,000 IncludedNone

OCITPA Expense Reimbursement $100,000 $100,000 IncludedNone

Coverage Limit Coverage Period Total Limit

ContributionDeductible

$10,000 controlled burn deductible if DPSST guidelines are not followed.

$25,000 Employment Practices deductible for terminations when SDIS is not contacted for legal advice in advance.

Lead Liability Defense Costs limited to $200,000 for all members of the Trust combined during the Coverage Period.

Marine Salvage Expense Reimbursement $250,000 $250,000 IncludedNone

Criminal Defense Costs $100,000 $100,000 IncludedNone

Data Disclosure Liabiilty $1,000,000 $1,000,000 IncludedNone

(1)

(1)

(2) (3)

(1)

(4)

(7)

(8)

(5)

(1)

(2)

(3)

(7)

Injunctive Relieve Defense Costs limited to $100,000 for all members of the Trust combined during the Coverage Period.(4)

OCITPA Expense Reimbursement limited to $500,000 for all members of the Trust combined during the Coverage Period.(5)

Criminal Defense Costs limited to $500,000 for all members of the Trust combined during the Coverage Period.(8)

(6)

Data Disclosure Liability Limited to $5,000,000 for all members of the Trust combined during the Coverage Period.(6)

Communicable Disease Defense $50,000 $2,000,000 IncludedNone(9)

Communicable Disease Defense limited to $2,000,000 for all members of the Trust combined during the Coverage Period.(9)

This certificate is made and is mutually accepted by the Trust and Named Participant subject to all provisions, stipulations, and agreements which are made a part of the SDIS Liability Coverage Document. This certificate represents only a brief summary of coverages. Other conditions and exclusions apply as described in the SDIS Liability Coverage Document. Titles referenced above are provided merely for convenience of reference and shall not be deemed in any way to limit or affect the provisions to which they relate.

Countersigned by: ________________________________________ Saturday, January 1, 2022

Authorized Representative, Special Districts Insurance Services Trust

EXHIBIT D RFP 22-033

Addendum #1

Salem Area Mass Transit District

555 Court St NE, Ste 5230

Named Participant:

Brown & Brown Northwest-Portland

Salem, OR 97301

PO Box 29018

Portland, OR 97296

Special Districts Insurance Services Trust (SDIS) Auto Liability and Auto Physical Damage Coverage Declarations

$500,000 $10,000 $70,757.00

Auto Liability Coverage

Deductible Contribution

Applicable Coverage Document: SDIS Auto Liability Coverage Document, January 1, 2022

Auto Liability Coverage

Non-Owned/Hired Auto Liability $500,000 $150.00$10,000

Per Accident Limit of Liability

Auto Physical Damage

Applicable Coverage Document: SDIS Auto Physical Damage Coverage Document, January 1, 2022

Per Accident Limit of Liability Deductible Contribution

Per Schedule Per Schedule $132,793.00

$50,000 $136.00$100/$500

Auto Physical Damage

Hired Auto Physical Damage

Coverage is provided for only those coverages indicated below for which a contribution is shown.

This certificate is made and is mutually accepted by the Trust and Named Participant subject to all provisions, stipulations, and agreements which are made a part of the coverage documents referenced above. This certificate represents only a brief summary of coverages. Other conditions and exclusions apply as described in the above-referenced coverage documents. Titles referenced above are provided merely for convenience of reference and shall not be deemed in any way to limit or affect the provisions to which they relate.

Countersigned by: ________________________________________ Saturday, January 1, 2022 Authorized Representative Special Districts Insurance Services Trust

Salem Area Mass Transit District

555 Court St NE, Ste 5230

Brown & Brown Northwest-Portland

Salem, OR 97301

PO Box 29018

Portland, OR 97296

Special Districts Insurance Services Trust (SDIS)

Auto Supplemental Coverage Declarations

This certificate is made and is mutually accepted by the Trust and Named Participant subject to all provisions, stipulations, and agreements which are made a part of the SDIS Auto Supplemental Coverage Document. This certificate represents only a brief summary of coverages. Other conditions and exclusions apply as described in the SDIS Auto Supplemental Coverage Document. Titles referenced above are provided merely for convenience of reference and shall not be deemed in any way to limit or affect the provisions to which they relate.

See Coverage Document $10,000 Included with Auto Liability Contribution

Limit of Liability Deductible Contribution

Applicable Coverage Document: SDIS Auto Supplemental Coverage Document, January 1, 2022

Personal Injury Protection

Uninsured/Underinsured Motorist Bodily Injury Coverage

$500,000 Per Accident Limit of Liability

$10,000 Included with Auto Liability Contribution

Countersigned by: ________________________________________ Saturday, January 1, 2022

Salem Area Mass Transit District

555 Court St NE, Ste 5230

Brown & Brown Northwest-Portland

Salem, OR 97301

PO Box 29018

Portland, OR 97296

Special Districts Insurance Services Trust (SDIS) Excess Auto Liability Coverage Declarations

This certificate is made and is mutually accepted by the Trust and Named Participant subject to all provisions, stipulations, and agreements which are made a part of the SDIS Excess Auto Liability Coverage Document. This certificate represents only a brief summary of coverages. Other conditions and exclusions apply as described in the SDIS Excess Auto Liability Coverage Document. Titles referenced above are provided merely for convenience of reference and shall not be deemed in any way to limit or affect the provisions to which they relate.

$9,500,000 Included with Auto Liability Contribution

Excess Auto Liability Coverage

Retention Contribution

Applicable Coverage Document SDIS Auto Excess Liability Coverage Document, January 1, 2022

Excess Auto Liability Coverage

Excess Non-Owned/Hired Auto Liability

$9,500,000 Included with Non- Owned/Hired AL Contribution

Per Accident Excess Limit of Liability

$500,000

$500,000

Countersigned by: ________________________________________ Saturday, January 1, 2022

Special Districts Insurance Services

Property Coverage Declarations

Certificate Number: 37P30802-394 Coverage Period: 1/1/2022 through 12/31/2022

Named Participant: Agent of Record:

Salem Area Mass Transit District

555 Court St NE, Ste 5230

Brown & Brown Northwest-Portland

Salem, OR 97301

PO Box 29018

Portland, OR 97296

$13,320,968

$3,461,693

$48,983

Buildings, Other Structures and Scheduled Outdoor Property

Personal Property

Mobile Equipment, Scheduled Personal Property and Scheduled Fine Arts

Scheduled Property Values:

The Trust shall not pay, or be liable for more than the Total Limit of Indemnification in any single "occurrence" during the Property Coverage Period, including all related costs and expenses, all costs of investigation, adjustment and payment of claims, but excluding the salaries of your regular employees and counsel on retainer.

The subjects of coverage listed below are sub-limited within the "Occurrence" Total Limit of Indemnification shown above.

The limits reflect the maximum amount the Trust will pay for losses involving these coverages. The titles below are provided merely for convenience of reference and shall not be deemed in any way to limit or affect the provisions to which they relate.

Sublimits (Per Occurrence):

Total Limit of Indemnification (Per Occurrence)

$300,000,000 SDIS Per Occurence Aggregate Loss Limit

$17,131,644

Pollutant Clean-up and Removal From Land or Water- (Sublimit is $50,000 or 20% of the scheduled location(s) value whichever is less)

$50,000

Unscheduled Fine Arts (Fine Art may be specifically scheduled for higher limits)$10,000

Personal Property of Others within your Care, Custody, or Control, other than Mobile Equipment

$250,000

$5,000,000 Debris Removal - (Sublimit is $5,000,000 or 25% of loss, whichever is less)

Fungus as a Result of a "Covered Cause of Loss" - (Sublimit is $10,000 or 10% of the covered portion of the loss whichever is less)

$10,000

Sublimits for Covered Property:

Property of Employees/Volunteers - (subject to a $5,000 maximum per person)$100,000

Mobile Equipment of others that is within your Care, Custody or Control or Rented or Leased for up to 30 days

$100,000

(Reference Section VIII - Covered Property in the SDIS Property Coverage Document)

Sublimits for Additional Coverages:

(Reference Section X - Additional Coverages in the SDIS Property Coverage Document)

Preservation of Undamaged Covered Property - (Sublimit is $10,000 or 10% of the covered portion of the loss whichever is less)

$10,000

Professional Services - (Sublimit is $250,000 or 10% of the covered portion of the loss whichever is less)

$250,000

Fire Department Service Charge$25,000

Recharging of Fire Extinguishing Equipment$10,000

Arson Reward$10,000

$5,000,000 Increased Cost of Construction - Enforcement of Ordinance or Law - (Sublimit is $5,000,000 or 25% of loss, whichever is less)

$500,000 Increased Cost of Construction - Cost Resulting From Unforeseen Delay - (Sublimit is $500,000 or 25% of loss, whichever is less)

$1,000,000 Business Income

Property in Transit

Valuable Papers and Records - (Sublimit is lesser of: Cost to research, replace, or restore the lost information; Actual Cash Value in blank state of paper, tape or other media if records are not actually researched, restored or replaced; or amount of sublimit listed here)

$2,000,000 Property in the Course of Construction. (If you have not complied with all of the notification requirements set forth in Section XII.A. within 90 days, the most the Trust will pay for property in the Course of Construction is $500,000. If after 90 days you have not complied with all the notification requirements set forth in Section XII.A. then no coverage will be provided for property in the Course of Construction).

$250,000

$250,000

Accounts Receivable$250,000

Covered Leashold Interest - (Sublimit is lesser of amount listed here, or an amount pro-rated based on time between the Loss and the earlier of: Lease Expiration; Re-occupancy of leased property; or lease of new property)

$100,000

Data Storage Media$25,000

Unscheduled Outdoor Property$25,000

Property Damaged by Overflow of Sewers or Drains$50,000

$1,000,000 Extra Expense

Sublimits for Additional Coverages - Business Income and Extra Expense:

(Reference Section XI - Additional Coverages - Business Income and Extra Expense in the SDIS Property Coverage Document)

$25,000 Enforcement of Order by Government Agency or Authority

$25,000 Business Income from Dependent Property

$100,000 Interruption of Utility Services

$25,000 Inability to Discharge Outgoing Sewage

Sublimits for Coverage Extensions:

(Reference Section XII - Coverage Extensions in the SDIS Property Coverage Document)

Miscellaneous Property Damaged by Specified Cause of Loss or Theft - (Sublimit lesser of: Appraised Value; Fair Market Value; or Sublimit listed here)

$250,000

Vandalism and Malicious Mischief to Tracks and Artificial Turf Fields$250,000

Newly Acquired or Constructed Property. (No coverage will be provided for newly acquired or constructed property unless you notify the Trust in writing no later than 90 days after the dates specified in section XII. A.)

$500,000

Property Damaged by an Act of Terrorism or Sabotage. The most the Trust will pay for Property Damaged by an Act of Terrorism or Sabotage is described in Section

XII.K.9.

$17,131,644

$500,000 Expenses for Restoration or Modification of Landscaping, Roadways, Paved Surfaces and Underground Utilities - (Sublimit is $500,000 or 25% of loss, whichever is less)

Locations Covered:

Perils Covered:

Locations specifically listed on the Named Participant's Schedule of Property Values.

Risks of Direct Physical Loss subject to the terms, conditions and exclusions of the current SDIS Property Coverage Document.

Deductibles: As indicated on the Schedule of Property Values on file with the Trust

Contribution: $18,890.00

Forms Applicable: SDIS Property Coverage Document effective January 1, 2022

Additional Sublimits and Deductibles (Per Occurrence):

Sublimits and Deductibles shown below, if any, are in addition to the sublimits shown above.

This Declaration is made and is mutually accepted by the Trust and Named Participant subject to all provisions, stipulations, and agreements which are made a part of the SDIS Property Coverage Document. This Declaration represents only a brief summary of coverages.

Countersigned by: ________________________________________ Saturday, January 1, 2022 Special Districts Insurance Services

$150,000 Demolition and Increased Cost

$150,000 Personal Property Increased Sub Limit

Property Coverage Document

Flood Endorsement

b. If the damaged Covered Property is not a waterway structure and is located wholly outside of a federally designated 100- year or greater SFHA, as defined by FEMA, at the time of the occurrence, then the deductible shall be:

(1) no less than the greater of:

(a) $5,000;

(b) two percent (2%) of the actual cash value of the Covered Property damaged by flood in a single occurrence on premises listed on the Schedule of Property Values on file with the Trust; or

Section XII. COVERAGE EXTENSIONS, is amended to add the following Coverage Extension:

M. Extension of Coverage for Property Damaged by Flood

Subject to the additional conditions and limitations set forth below, we will indemnify you for direct physical loss or damage to Covered Property caused by or resulting from flood, including collapse directly caused by flood, that occurs on premises listed on the Schedule of Property Values on file with the Trust.

1. This Coverage Extension is subject to per-occurrence deductibles as follows:

a. If the damaged Covered Property is not a waterway structure and is located, either partially or wholly, within a federally designated 100-year or greater Special Flood Hazard Area (“SFHA”), as defined by the Federal Emergency Management Agency (“FEMA”), at the time of the occurrence, then the deductible shall be:

(1) $500,000 per occurrence for damage to each covered building, other structure, outdoor property and scheduled outdoor property listed on the Schedule of Property Values on file with the Trust;

(2) $500,000 per occurrence for damage to covered personal property, scheduled personal property, fine arts and scheduled fine arts located within each covered building, other structure, outdoor property and scheduled outdoor property listed on the Schedule of Property Values on file with the Trust; and

(3) $500,000 per occurrence for damage to covered mobile equipment and scheduled mobile equipment listed on the Schedule of Property Values on file with the Trust.

THIS ENDORSEMENT MODIFIES AND AMENDS THE PROPERTY COVERAGE DOCUMENT

PLEASE READ IT CAREFULLY

As consideration for an additional contribution paid by the Named Participant, in the amount of , the Property Coverage Document is amended as follows:

$2,523.00

Certificate Number: 37P30802-394 Coverage Period: 1/1/2022 through 12/31/2022

Named Participant: Agent of Record:

Salem Area Mass Transit District

555 Court St NE, Ste 5230

Brown & Brown Northwest-Portland

Salem, OR 97301

PO Box 29018

Portland, OR 97296

Flood Endorsement

6. This Coverage Extension does not apply, and we will not indemnify you for any damage or loss caused by or resulting from flood, including collapse directly caused by flood, unless you notify us as soon as reasonably possible after the flood occurs and allow us to inspect the damaged Covered Property prior to making any repairs or replacing the damaged or destroyed Covered Property.

7. This Coverage Extension does not apply to, and we will not indemnify you or anyone else for, any damage or loss to waterway structures located within five miles of the of the Oregon coast, whether or not expressly identified as Covered Property, caused by, exacerbated by, or arising out of flood unless damage or loss by flood is caused by a storm surge which occurs over a period of less than 72 hours.

a. For the purposes of this Coverage Extension only, waterway structures are defined as boardwalks, bridges, bulkheads, dams, dikes, docks, levees, piers, pilings, seawalls, wharves, breakwater and similar structures located on, in, or over water, and their corresponding appurtenances and accessories.

b. Storm surge is defined as an abnormal rise of water generated by a storm, over and above the predicted astronomical tide as determined by the National Oceanic and Atmospheric Administration (NOAA).

2. All flood, including collapse directly caused by flood, that occurs within a 72-hour period will constitute a single occurrence.

3. Whether or not damaged Covered Property is located, either partially or wholly, within a federally designated 100-year or greater SFHA, as defined by FEMA, at the time of occurrence, will be determined solely by reference to FEMA Flood Maps and the FEMA Flood Map Service Center, regardless of any previous information, estimate, or designation provided b y the Named Participant or appearing in the Declarations.

4. This Coverage Extension does not apply, and we will not indemnify you for any damage or loss caused by or resulting from flood, including collapse directly caused by flood, unless the damaged Covered Property is expressly identified on the Schedule of Property Values on file with the Trust as having coverage for flood.

5. This Coverage Extension does not apply, and we will not indemnify you for any damage or loss caused by or resulting from flood, including collapse directly caused by flood, unless the damage or loss occurs during the Property Coverage Period, and is discovered and reported to the Trust by you within one year of the ending of the Property Coverage Period.

c. If the damaged Covered Property is a waterway structure then the deductible shall be:

(1) $100,000 per occurrence for damage to each waterway structure listed on the Schedule of Property Values on file with the Trust; and

(2) $100,000 per occurrence for damage to covered personal property, scheduled personal property, fine arts and scheduled fine arts located within, on, or attached to, each covered waterway structure listed on the Schedule of Property Values on file with the Trust.

(c) the Deductible stated in the Declarations; and

(2) no more than the greater of:

(a) $50,000; or

(b) the Deductible stated in the Declarations.

Flood Endorsement

This Endorsement amends Section XII. Coverage Extensions of the Property Coverage Document and does not modify, amend, waive or otherwise affect any of the other terms, conditions, limitations exceptions, or exclusions of the Property Coverage Document.

c. The SDIS Per-Occurrence Aggregate Loss Limit;

d. An SDIS Annual Aggregate Loss Limit of $50,000,000 for all damage or loss to Covered Property located, either partially or wholly, within a federally designated 100-year or greater SFHA as defined by FEMA.

e. An SDIS Annual Aggregate Loss Limit of $300,000,000 for all damage or loss caused by, resulting from, or arising out of earth movement, flood, or both.

9. Any amounts paid under this Coverage Extension are included in, subject to, and not in any event in addition to, the Total Limit of Indemnification stated in the Declarations.

8. Indemnification under this Coverage Extension is subject to the following limits:

a. The most we will pay under this Coverage Extension for all damage or loss sustained by the Named Participant in any single occurrence is ;

b. The most we will pay under this Coverage Extension for all damage or loss sustained by the Named Participant during the Coverage Period, is an Annual Aggregate Loss Limit of

$10,000,000

$10,000,000

Countersigned by: ________________________________________ Saturday, January 1, 2022

Earth Movement Endorsement

2. For the purposes of this Coverage Extension only, earth movement means:

a. sudden and accidental earthquake, seaquake, shock, tremor, landslide, submarine landslide, avalanche, subsidence, sinkhole collapse, mud flow, rock fall, volcanic activity, or any similar seismic activity, resulting in cracking, crumbling, lateral movement, rising, shifting, settling, sinking, or upheaval of land;

b. flood that would not have occurred but for tsunami caused by, resulting from, or arising out of earth movement, regardless of any other cause or event that contributes concurrently or in any sequence to such flood; and

c. collapse directly caused by earth movement.

THIS ENDORSEMENT MODIFIES AND AMENDS THE PROPERTY COVERAGE DOCUMENT

PLEASE READ IT CAREFULLY

As consideration for an additional contribution paid by the Named Participant, in the amount of , the Property Coverage Document is amended as follows:

Section XII. Coverage Extensions, is amended to add the following Coverage Extension:

L. Extension of Coverage for Property Damaged by Earth Movement

Subject to the additional conditions and limitations set forth below, we will indemnify you for direct physical loss or damage to Covered Property caused by or resulting from earth movement that occurs on premises listed on the Schedule of Property Values on file with the Trust.

1. This Coverage Extension is subject to per-occurrence deductibles as follows:

a. The deductible shall be no less than the greater of:

(1) $5,000;

(2) two percent (2%) of the actual cash value of the Covered Property damaged by earth movement in a single occurrence on premises listed on the Schedule of Property Values on file with the Trust; or

(3) the Deductible stated in the Declarations.

b. The deductible shall be no more than the greater of:

(1) $50,000; or

(2) the Deductible stated in the Declarations.

Certificate Number: 37P30802-394 Coverage Period: 1/1/2022 through 12/31/2022

Named Participant: Agent of Record:

Salem Area Mass Transit District

555 Court St NE, Ste 5230

Brown & Brown Northwest-Portland

Salem, OR 97301

PO Box 29018

Portland, OR 97296

$5,324.00

Earth Movement Endorsement

8. Indemnification under this Coverage Extension is subject to the following limits:

a. The most we will pay under this Coverage Extension for all damage or loss sustained by the Named Participant in any single occurrence is ;

b. The most we will pay under this Coverage Extension for all damage or loss sustained by the Named Participant during the Coverage

Period, is an Annual Aggregate Loss Limit of ;

c. The SDIS Per-Occurrence Aggregate Loss Limit;

d. an SDIS Annual Aggregate Loss Limit of $300,000,000 for all damage or loss caused by, resulting from, or arising out of either earth movement, flood, or both.

4. All earth movement that occurs within a 72-hour period will constitute a single occurrence.

5. This Coverage Extension does not apply, and we will not indemnify you for any damage or loss caused by or resulting from earth movement, unless the damaged Covered Property is expressly identified on the Schedule of Property Values on file with the Trust as having coverage for earth movement.

6. This Coverage Extension does not apply, and we will not indemnify you for any damage or loss caused by or resulting from earth movement, unless the damage or loss occurs during the Property Coverage Period, and is discovered and reported to the Trust by you within one year of the ending date of the Property Coverage Period.

7. This Coverage Extension does not apply, and we will not indemnify you for any damage or loss caused by or resulting from earth movement, unless you notify us as soon as reasonably possible after the earth movement occurs and allow us to inspect the damaged Covered Property prior to making any repairs or replacing the damaged or destroyed Covered Property.

3. Earth movement does not mean, and we will not indemnify you or anyone else for, damage caused by, resulting from, or consisting of:

a. Gradual cracking, crumbling, horizontal, lateral or vertical movement, rising, shifting, settling, sinking, or upheaval of land, occurring over a period of fourteen or more days, caused by, or arising out of artificial means or artificially created soil conditions, including contraction, corrosion, erosion, excessive or insufficient moisture, expansion, freezing, improperly compacted soil, insufficient fill, liquefaction, slope instability, slumping, subsidence, or thawing;

b. Gradual cracking, crumbling, horizontal, lateral or vertical movement, rising, shifting, settling, sinking, or upheaval of land, occurring over a period of fourteen or more days, caused by, or arising out of underground activity of animals, vegetation, or water; or

c. any water movement or flood, except for flood that would not have occurred but for tsunami caused by, resulting from, or arising out of earth movement as described in section XII.L.2. above.

$10,000,000

$10,000,000

Earth Movement Endorsement

This Endorsement only amends Section XII. Coverage Extensions of the Property Coverage Document, and does not modify, amend, waive or otherwise affect any of the other terms, conditions, limitations, exceptions, or exclusions of the Property Coverage Document.

9. Any amounts paid under this Coverage Extension are included in, subject to, and not in any event in addition to, the Total Limit of Indemnification stated in the Declarations.

Equipment Breakdown Protection Coverage Certificate Insured by Continental Casualty Company (CNA)

Covered Equipment "Covered Equipment" as defined in the Coverage Form, located at Covered Property listed and specifically described on the Schedule of Property Values on file with the Trust (SDIS).

Limit of Insurance The most we will pay for any and all coverages for loss or damage from any "One Breakdown."

Sub Limits $1,000,000 Business Income/Extra Expense (excludes any Named Participant generating electrical power for which a survey has not been completed and accepted by CNA)

365 Days Ordinary Payroll $1,000,000 - (Indirect - Business Income)

$250,000 - (Direct - Spoilage Damage) Utility Interruption

$1,000,000 Contingent Business Income/Extra Expense $1,000,000 Spoilage Damage $10,000,000 Expediting Expense $1,000,000 Ammonia Contamination $1,000,000 Water Damage $1,000,000 Hazardous Substances $15,000 / 30 days Fungus, Wet and Dry Rot $1,000,000 Media and Data $1,000,000 Green Upgrades $2,500,000 Ordinance or Law: Demolition and Increased Cost of Construction for Undamaged Portion of Building

120 Days - No Sublimit Newly Acquired Locations Included Brands and Labels Included CFC Refrigerant Included Computer Equipment

Deductibles Direct Damage Deductible from any "One Breakdown" - Except as follows:

Transformers and Secondary Miscellaneous Electrical Apparatus (MEA)

$10/KVA - $10,000 minimum

Internal Combustion Engines, Generator Units and Turbines

$30/KVA - $10,000 minimum

Spoilage Damage/Ammonia Contamination $10,000 Combined 24 Hours - Except 30 days for locations with power generation Business Income/Extra Expense

Utility Interruption 24 Hours with a 24 Hour Waiting Period - Indirect $5,000 - Direct

Locations Per Special Districts Insurance Services (SDIS) Covered Property listed and specifically described on the Schedule of Property Values on file with the Trust (SDIS).

Contribution: $3,861.00

Named Participant: Agent of Record:

Salem Area Mass Transit District

555 Court St NE, Ste 5230

Brown & Brown Northwest-Portland

Salem, OR 97301

PO Box 29018

Portland, OR 97296

$17,131,644

$1,000

This certificate represents only a brief summary of coverages. Please refer to the Continental Casualty Company Equipment Breakdown Protection Coverage Form for detailed coverages, exclusions, and conditions that may apply.

Insured by the Travelers Casualty and Surety Company of America

Comprehensive Crime Policy Certificate

Certificate Number: 37P30802-394 Coverage Period: 1/1/2022 through 12/31/2022

This summary is a coverage description intended to provide important information about the protection available to the the referenced Insured under the Crime Master Policy (the "Master Policy" ). Keep this coverage description for your records. This coverage description is not an insurance policy and does not amend, extend or alter coverage afforded by the Master Policy described herein. The insurance afforded by the Master Policy as described herein is subject to all the terms, exclusions and conditions of such Master Policy. The period is specified in the Master Policy.

A1. Employee Theft - Per Loss Includes Faithful Performance of Duty, same limit as A1, CRI-7126 Non-Compensated Officers, Directors-includes Volunteer Workers as employees, Deletion of Bonded Employee and Treasurer/ Tax Collectors Exclusion - CRI-19044

D. In Transit

B. Forgery or Alteration

C. On Premises

E. Money Order Counterfeit Currency

Limit:

$1,000,000

$1,000,000

$1,000,000

$1,000,000

A2. ERISA Fidelity - same limit as A.1 (CRI-19044)

F1. Computer Fraud

Named Participant: Agent of Record:

Salem Area Mass Transit District

555 Court St NE, Ste 5230

Brown & Brown Northwest-Portland

Salem, OR 97301

PO Box 29018

Portland, OR 97296

$1,000,000

For Any One Loss:

The Master Policy has been issued to: Special Districts Insurance Services Trust - see attached Schedule of Named Insured's listed per spreadsheet List of Special Districts Members, Scheduled Limits and Retentions. Address: 727 Center Street NE, Salem, Oregon, 97301. Policy Number:

105870359 Underwritten by: Travelers Casualty and Surety Company of America, Hartford, CT 06183 (“Travelers”) to provide insurance to an Insured for as described in this Certificate.

F2. Computer Restoration - same limit as A1 or maximum limit of $100,000

G. Funds Transfer Fraud

H1. Personal Accounts Forgery or Alteration - same limit as A.

$1,000,000

$1,000,000

$100,000

$1,000,000

$1,000,000

Retention:

$10,000

$10,000

$10,000

$10,000

$10,000

$10,000

$10,000

$1,000

$10,000

$10,000

General Information:

Should you have any questions regarding the Master Policy or wish to view a complete copy of the Master Policy, please call Special Districts Insurance Services for general information at 1-800-285-5461

Insured by the Travelers Casualty and Surety Company of America

Comprehensive Crime Policy Certificate

Contribution: $2,749

H2. Identity Fraud Expense Reimbursement - same limit as A1 or maximum of $25,000

I. Claims Expense $5,000

$25,000

$5,000

$0

$0

Special Districts Association of Oregon PO Box 23879 Tigard, OR Phone: 800-305-1736

Claim Filing and General Information including a complete copy of the Master Policy:

Travelers Casualty and Surety Company of America Bond and Specialty Insurance Claim Department Cindy Bruder, 6060 S. Willow Drive, Greenwood Village, CO 80111 Phone: 720-200-8476 Email: BFPCLAIMS@travelers.com

Our claims staff will then coordinate and submit the official claim to:

CRI-19070 Social Engineering Fraud $1,000,000 $10,000

CRI-7072 Third Party Entity Funds Coverage Not CoveredNot Covered

General Information:

Should you have any questions regarding the Master Policy…