RFP 25-ZV-1003 Attachment A.pdf

Attachment A

RFP 25-ZV-1003 Property and Casualty Insurance Broker

NAMED INSURED SUMMARY

+ Academy School District 20

+ Academy School District 20 Foundation

Pollution, Law Enforcement Liability and Workers’ Compensation:

+ Academy School District 20

PROPERTY

Coverage

Causes of Loss

Policy Limit

Earth Movement

Flood

Building(s) and Personal Property including Furniture, Fixtures, Equipment, including Improvements and Betterments and Boiler and Machinery

Special Form: Risks of Direct Physical Loss unless the Loss is subject to an Exclusion or Limitation

$ 250,000,000 Loss Limit, per any one Occurrence

$ 150,000,000 Annual Aggregate, for all coverage provided, $ 50,000,000 Annual Aggregate, for all coverage provided except;

$ 10,000,000 1335 Kelly Johnson Blvd.

Business Interruption Including Extra Expense

$ 5,000,000 Gross Earnings $ 5,000,000 Gross Profits $ 5,000,000 Rental Income $ 5,000,000 Extra Expense

Leasehold Interest $ 1,000,000 Per Occurrence

Deductibles $ 100,000 Per Location – Each Occurrence – Earth Movement

$ 100,000 Per Location – Each Occurrence – Flood $ 25,000 Per Location - Water Damage subject to a $100,000 Minimum 5% Per Location – Each Occurrence – Wind/Hail subject to a $100,000 Minimum, per location.

$ 25,000 Per Occurrence – Boiler and Machinery $ 25,000 Property Damage Per Occurrence – Off Premises

Service Interruption, period of liability exceeding 24 hours.

$ 25,000 Per Location – Data, Programs or Software, period of liability exceeding 48 hours.

$ 25,000 All Other Losses

Total Insured Values $ 1,295,084,861 (Expiring $1,203,765,686)

Premium $ 659,789

TRIA Premium $ 19,644

Engineering Fee $ Included

Total $ 679,433

PROPERTY (CONTINUED)

COVERAGE DESCRIPTION RENEWAL – AFFILIATED FM

Accounts Receivable $ 5,000,000 Arson or Theft Reward $ 250,000 Civil Authority 30 Days Communicable Disease – Property Damage Annual Aggregate

$ 1,000

Contractors Equipment (per Item) $ 100,000 per item $ 250,000 maximum per any one loss Actual Cash Value

Debris Removal Included in Policy Limit Deferred Payment $ 100,000 Data Restoration Annual Aggregate Date Service Provider – Property Damage Annual Aggregate

$ 500,000 $ 50,000

Errors and Omissions $ 10,000,000 Expediting Expense $ 500,000 Extended Business Income – Increased Period of Indemnity

180 Days

Extra Expense Included in Business Income Limit Fine Arts

Per item for Irreplaceable Fine Arts $ 250,000 $ 10,000

Ingress and Egress $ 1,000,000 Land and Water Clean Up Expense $ 100,000 Locks and Keys $ 250,000 Money & Securities $ 250,000 Newly Acquired Property $ 10,000,000 Notice of Cancellation 60 Days

10 Days for non–payment of premium Off Premises Service Interruption – Property Damage and Business Interruption

$ 3,000,000 Combined BI & PD

Ordinance and Law Policy Limit – Undamaged Portion Policy Limit – Demolition Policy Limit – Compliance with Law Policy Limit – Business Interruption

Preservation of Property Included in Policy Limit Professional Fees $ 250,000 Research and Development $ 5,000,000

COVERAGE DESCRIPTION RENEWAL – AFFILIATED FM

Soft Costs $ 100,000 Tenants Legal Liability and Expense $ 100,000 Terrorism $ 100,000 Annual Aggregate Transit $ 500,000 Unnamed Locations $ 1,000,000 Vacancy All locations permitted to remain vacant for more than 60 days.

Valuable Papers $ 10,000,000 not to exceed $10,000 per item for irreplaceable valuable papers and records

COMMERCIAL GENERAL LIABILITY

Provides coverage for damage you are legally obligated to pay because of Bodily Injury or Property Damage caused by an occurrence.

Limits $ 1,000,000 Per Occurrence $ 3,000,000 General Aggregate per Location $ 3,000,000 Products/Completed Operations Aggregate $ 1,000,000 Personal and Advertising Injury Limit $ 1,000,000 Damage to Premises Rented to you.

Excluded Medical Payments

Deductible $ 25,000

Annual Premium $ 163,797

Exclusions (Including but not limited to)

+ Firearms Exclusion (carve out for Law Enforcement Officials)

+ Recording or Distribution of Material Information

+ Discrimination Exclusion

+ Trampolines

+ Cross Suits Liability

+ Medical Payments

+ Asbestos

+ Employment Related Practices

+ Fungi, Bacteria or Legionella (Food Products Excepted)

+ Access or Disclosure of Confidential or Personal Information and Data-Related Liability

COVERAGE DESCRIPTION RENEWAL

Occurrence Form Included Contractual Liability Included General Aggregate Limit for Designated Locations Included Designated Healthcare and Personal Care Professionals as Additional Insured (Excess over any professional coverage carried by the employee)

Included

Auditable No Sexual Misconduct Liability $ 1,000,000 Each Act

$ 3,000,000 Aggregate $ 25,000 Deductible

Violent Event Response $ 500,000 Each Violent Event Limit – Expenses and Loss

$ 500,000 Aggregate $ 25,000 Each Person Limit – Loss $ 15,000 Each Person Limit – Death

Benefits Law Enforcement Liability Excluded (Coverage Provided Separately) Worldwide Liability Suits brought in the U.S.

Defense Costs in addition to Limits Included Fellow Employee Coverage Included Blanket Waiver of Subrogation Included Blanket Additional Insured where required by written contract or agreement

Included

Primary and Non-Contributory with respect to Additional Insured where required by written contract or agreement

Included

Severability of Interest Clause Included The Board and its members, all employees, committees and volunteers included as Insureds while acting within the scope of their duties

Included

Employee Benefit Liability $ 1,000,000 Each Claim $ 2,000,000 Aggregate $ 25,000 Deductible

Claims Made Retroactive Date: July 1, 2002 Bodily Injury for Athletic Participation Included

COVERAGE DESCRIPTION RENEWAL

Bodily Injury includes Mental Injury, Mental Anguish, Shock, fright or death resulting from Bodily Injury

Included

Special Events Coverage Included Limited Pollution Liability Hostile Fire Exception Coverage for Students in Practicum Included Corporal Punishment Included Student Body Organizations and Parent Teacher Organizations under the jurisdiction of your governing board as Insured while under the supervision required by the governing board

Included

Unmanned Aircraft (Drone) weighing 55 pounds or less, has a maximum airspeed of less than 100 miles per hour, that is not designed, manufactured or modified after manufacture to be controlled directly by a person from within or on the aircraft, owned, operated, rented or loaned to you. Operations must comply with all FAA regulations and requirements pertaining to unmanned aircraft. Operations are to be included within the insured’s operations as a school.

Included

AUTOMOBILE LIABILITY

Coverage for Owned Vehicles, Non-Owned Vehicles and Hired Vehicles.

Limits $ 1,000,000 Combined Single Limit – Bodily Injury and Property Damage

$ 5,000 Medical Payments $ 15,000,000 Physical Damage Limit

Deductible $ 5,000 Comprehensive (max per event) $ 5,000 Collision $ 15,000 Comprehensive – All Buses $ 15,000 Collision – All Buses

Annual Premium $ 228,343

Exclusions (Including but not limited to)

+ Workers’ Compensation

+ Abuse and Molestation, Assault and Battery

+ Property in your Care, Custody or Control except for vehicles licensed to transport the public.

+ War

+ Racing

+ Public or Livery Passenger Conveyance and On-Demand Delivery Services

AUTOMOBILE LIABILITY (CONTINUED)

COVERAGE DESCRIPTION RENEWAL

Auditable No Composite Rated No Liability to extend to “Any Auto” Included Employees, Volunteers, and Elected Officials included as Insureds for Employee owned Vehicles being used on the entity’s business

Included

Defense Cost in addition to limit Included Employee Hired Autos Included Hired Car Physical Damage Included Hired Car Physical Damage Deductible $ 100 Comprehensive

$ 1,000 Collision Knowledge of Accident to Risk Manager Included

EDUCATOR’S LEGAL LIABILITY

THIS IS A CLAIMS MADE COVERAGE

Coverage Coverage Liability for wrongful acts, including any actual or alleged error or misstatement, omission, negligent act, or breach of duty.

Limits $ 1,000,000 Liability for Monetary Damages – Each Wrongful Act or Offense

$ 3,000,000 Liability for Monetary Damages – Aggregate

Defense Expense for Injunctive or Declaratory Relief $ 500,000 Aggregate Limit / Each Action

Deductible $ 50,000 Each Wrongful Act (increased from $25,000)

Retroactive Date 07/01/2002

Annual Premium $ 56,320

Exclusions (Including but not limited to)

+ Access or Disclosure of Confidential or Personal Information and Data-Related Liability

+ Recording and Distribution of Material in Violation of Law

+ Tax Assessment

+ Punitive Damages Related to a Certified Act of Terrorism

+ Abuse or Molestation

+ Discharge, dispersal, seepage, migration, release or escape of pollutants.

+ War

+ Assumption of Liability in a Written Contract or Agreement

+ Law Enforcement Professional Liability

+ Bodily Injury, Property Damage or Personal and Advertising Injury, except employment practices

COVERAGE DESCRIPTION RENEWAL

Claims Made Yes Pay on Behalf Included Employees and Volunteers as Insureds within scope of employment by you or authorized by you. Included

Includes Professional Liability for in-house legal counsel Included Defense Costs included in Retention Yes Employment Practices Coverage Included Discrimination Coverage Included Administrative Hearings Coverage Included Separation of Insureds Included “Hammer Clause” Included

LAW ENFORCEMENT LIABILITY

Coverage Provides coverage for damage you are legally obligated to pay because of Bodily Injury or Property Damage caused by an occurrence resulting from law enforcement activities.

Limits $ 2,000,000 Each Occurrence $ 2,000,000 Policy Aggregate

Deductible $ 5,000

Annual Premium $ 23,460.00 $ 250.00 Policy Fee $ 711.30 Surplus Lines Tax

Total Annual Premium $ 24,421.30

Additional Provisions (Including but not limited to)

+ Severability of Insured

+ 60 Days’ Notice of Cancellation except 10 Days’ for Non-payment of Premium

+ Sovereign Immunity Defense only by written request to carrier

+ Occurrence Form

+ Defense in Addition to Limit

+ Line of Duty Death Coverage

+ 25% Minimum Earned Premium

Exclusions (Including but not limited to)

+ Auto, Watercraft or Aircraft

+ Pollution

+ Criminal Acts

+ Communicable Disease Exclusion

+ Contractual Liability

+ War, Riot, Invasion, Civil War, Rebellion, Civil Commotion

+ Terrorism

+ Bodily Injury or Property Damage arising out of the performance of any act or service of law enforcement not related to the Named Insured

+ Workers’ Compensation, Employer’s Liability and Similar Laws

+ Medical Malpractice

+ Sexual Abuse

+ Injury to an Insured

+ Non-Monetary Damages

+ Investigative or Administrative Proceedings

+ Employment Related Actions

+ Nuclear

+ Damage to Property

EXCESS LIABILITY

Coverage & Limits Bodily Injury & Property Damage $ 5,000,000 Each Occurrence $ 5,000,000 General Aggregate $ 5,000,000 Products/Completed Operations Aggregate $ 250,000 Crisis Management Expense Aggregate Limit

Self-Insured Retention $ 10,000

Annual Premium $ 149,367

Excess of Primary Insurance

Commercial General Liability $ 1,000,000 Each Occurrence $ 1,000,000 Personal and Advertising Injury $ 3,000,000 Products/ Completed Operations Aggregate $ 3,000,000 General Aggregate

Employee Benefits Liability – Claims Made $ 1,000,000 Each Employee $ 2,000,000 Aggregate Retroactive Date: July 1, 2002

Sexual Misconduct Liability $ 1,000,000 Each Act $ 3,000,000 Aggregate

Automobile Liability $ 1,000,000 Bodily Injury & Property Damage – Each Accident

Educators’ Legal Liability – Claims Made $ 1,000,000 Each Wrongful Act or Offense $ 3,000,000 Aggregate Retroactive Date: July 1, 2002

Employer’s Liability (Pinnacol) $ 1,000,000 Each Accident $ 1,000,000 Each Employee by Disease $ 1,000,000 Policy Limit by Disease

Exclusions (Including but not limited to)

+ Medical Payments

+ Cross Suits Exclusion

+ Pollution

+ Fungi or Bacteria Limitation

+ Fungi or Bacteria including Legionella Bacterium

+ Lead

+ Law Enforcement

+ Unlawful Discrimination Limitation

+ School Law Enforcement Professional Liability

Comment(s) Higher limits are available upon request.

WORKERS’ COMPENSATION

Coverage & Limits Statutory Benefits – Workers’ Compensation

Employer’s Liability $ 1,000,000 Bodily Injury by Accident – Each Accident $ 1,000,000 Bodily Injury by Disease – Each Employee $ 1,000,000 Bodily Injury by Disease – Policy Limit

State(s) Colorado

Deductible $ 250,000 Indemnity and Medical

Annual Deposit Premium $ 244,145

Loss Handling Charge 5% of paid losses

2024-2025 Collateral Requirement

$ 600,000

Comment(s) a. The 7/1/2024 Experience Modification is .93. The 7/1/2023 Experience Modification was .73.

b. Subcontractors: Most Workers’ Compensation laws provide that you are responsible for injury to employees of your subcontractors who are not otherwise covered by Workers’ Compensation insurance. In addition, your insurance company may charge additional premium for them as employees.

To avoid this situation, we recommend you require all subcontractors to provide Certificates of Insurance evidencing proper coverage, and these be maintained in your files.

c. Overtime Remuneration: In most cases, the extra pay for overtime work can be excluded from the payroll on which premium is computed if your records show overtime pay separately by employee and in summary by classification.

d. Unless specifically added to the policy, there is no Employer’s Liability coverage in the states of North Dakota, Ohio, Washington, or Wyoming. For Workers’ Compensation coverage for these states, you must purchase coverage directly from the states listed. These states are monopolistic states.

e. If you commence operations in states other than those listed above, we must be notified or there will be no coverage in those states.

f. Higher limits may be available. Please contact us if you are interested in pursuing them.

g. In compliance with the Terrorism Risk Insurance Act of 2002, terrorism claims cannot be excluded from Workers’ Compensation policies. Therefore, a premium charge will be made on all policies.

h. The premium shown is auditable, and is based on the following payroll estimates:

CODE DESCRIPTION REMUNERATION

7380 Drivers $3,763,588 8868 College/Schools Professional $139,465,572 9101 College/Schools All Other $10,327,366

TOTAL $153,556,526

SITE POLLUTION INCIDENT LEGAL

LIABILITY SELECT

NAMED INSURED: ACADEMY SCHOOL DISTRICT 20

Coverage

Covered Property

Claims for Bodily Injury or Property Damage and first or third party Remediation Expenses arising from a Pollution Incident on, under or beyond a Covered Property.

Insured’s Business Interruption Expenses that directly result from a Pollution Incident on or under a Covered Property. Emergency Response Expenses, Disinfection Event Expenses, Transportation, and Non-Owned Disposal Sites coverage is also included.

Disinfection Event Expenses are sub-limited to $250,000 each incident and aggregate.

Any location owned, leased, rented, operated, or occupied by the insured.

Limit/Premium/ Deductible Options (does not include surplus lines tax)

$ 1,000,000 Per Loss $ 1,000,000 Aggregate all Losses $ 25,000 Deductible $ 45,423 Premium

A 3-day waiting period and 365-day limit applies to business interruption

Policy Term Three years

Retroactive Date July 1, 2021 all locations except:

+ Encompass Heights Elementary 3602 Daydreamer Dr.

Colorado Springs, CO 80920 Retro date 7/1/2024

Terrorism (TRIA) 3% Additional Premium

Applicable Endorsements (Including but not limited to)

+ Terrorism Exclusion (if coverage is declined)

+ COVID-19 Exclusion

+ Blanket Additional Insured - where required by contract

+ Waiver of Subrogation included in policy form.

+ Defense costs – 25% outside the limit

+ Schedule of Underground Storage Tanks:

‒ 7408A Duryea (2) 10,000-gallon Diesel Tanks

‒ 7408A Duryea 4,000-gallon Unleaded Gasoline Tank

‒ 7408A Duryea 1,000-gallon Waste Oil Tank

‒ 10221 Lexington (3) 550-gallon Gasoline Tanks

‒ Tank endorsements:

• Capital Improvement Exclusion

• Voluntary Site Investigation Exclusion

• $50,000 SIR applies to tanks less than 20 years

• $100,000 SIR applies to tanks 20-25 years

• $250,000 SIR applies to tanks 25+ years

+ Mold Matter Deductible: $50,000

+ Asbestos, PCBs, and Lead Based Paint Exclusion Amendatory

– does not apply to claims for Bodily Injury or Property Damage; Remediation of soil, groundwater body, surface water body or sediment; or inadvertent displacement (not including any displacement associated with demolition, renovation or abatement)

+ Image Restoration Expenses – $250,000 sublimit

+ Evacuation Expenses Coverage – $250,000 sublimit

Common Policy Form Exclusions (Including but not limited to)

+ Acquired Properties not scheduled to the policy

+ Aircraft, Auto or Watercraft (does not apply to Transportation)

+ Asbestos, PCBs and Lead-Based Paint

‒ Does not apply to Claims for third party bodily injury or property damage, or

‒ The remediation of soil, surface water or groundwater.

+ Contractual Liability (does not apply to insured contracts)

+ Criminal Punishments (criminal fines, penalties or assessments)

+ Divested Property (prior to the inception date)

+ Employer Liability

+ Insured’s Internal Expenses

+ Insured’s Intentional Non-Compliance

+ Insured’s Professional Services

+ Insured vs. Insured

+ Insured’s Professional Services

+ Material Change In Use

+ Non-Disclosure

+ Nuclear and Radiological Material – Intentional or Unlawful Release

+ Products Liability

+ Property Damage to Conveyances

+ Underground Storage Tanks not scheduled to the policy

+ War

+ Waste Processing, Treatment or Disposal (does not apply to Non-owned Disposal Sites)

+ Worker’s Compensation, Unemployment, Social Security, Disability and Similar Laws

Subjectivities (prior to binding unless otherwise stated)

Signed Terrorism Policyholder Disclosure

Comments a. This coverage is Claims Made.

b. 25% minimum earned premium.

c. Defense & Claims Expense –Additional 25% in defense outside the Limit of Liability and subject to the Deductible.

d. Carrier reserves the right to perform an Environmental Site Survey during the policy period. This survey will be conducted at the Carrier’s own expense.

e. Payment due within 20 days of binding.

CYBER LIABILITY

Policy Period

Named Insured(s)

July 1, 2024 to July 1, 2025

Academy School District 20 (and its subsidiaries per the policy definition)

Cyber Liability Coverage (Per expiring)

COVERAGE LIMIT RETENTION

Media Content Insurance $2,000,000 $100,000 Security and Privacy Liability $2,000,000 $100,000 Regulatory Action Sublimit $2,000,000 $100,000 Network Interruption

+ Waiting Period: 18 Hours $2,000,000 $100,000

Event Management $2,000,000 $100,000 Cyber Extortion $2,000,000 $100,000

ENDORSEMENTS

Reputation Guard

+ Waiting Period: 2 Weeks + Maximum Period of Indemnity: 6 Months

$2,000,000

Network Interruption Coverage + Waiting Period: 18 Hours

$2,000,000 $100,000

System Failure Sublimit + Waiting Period: 18 Hours

$2,000,000 $100,000

IT Provider Security Failure Sublimit + Waiting Period: 18 Hours

$2,000,000 $100,000

Non-IT Provider Security Failure Sublimit + Waiting Period: 18 Hours

$1,000,000 $100,000

IT Provider System Failure Sublimit + Waiting Period: 18 Hours

$1,000,000 $100,000

Non-IT Provider System Failure Sublimit + Waiting Period: 18 Hours

$1,000,000 $100,000

Proof of Loss Costs Sublimit $50,000

Aggregate Limit of Liability $2,000,000

CYBER LIABILITY (CONTINUED)

Waiting Periods/Period of Indemnity

+ Extended Period of Indemnity: 180 days + System Failure Waiting Period: 18/24 Hours + Security Failure Waiting Period: 18 Hours

Continuity Date(s) July 1, 2019 for insuring agreements:

+ MC (Media Content Insurance)

+ S&P (Security and Privacy Liability)

Retroactive Date(s) Full Prior Acts for insuring agreements:

+ MC (Media Content Insurance)

+ S&P (Security and Privacy Liability)

Option 1 (Selected) Annual Premium

Option 2 Annual Premium

$ 46,930.00 Base Premium (expiring was $46,929) $ 1,407.90 3% CO Surplus Lines Tax $ 48,336.90 Total Due

$ 67,564.00 Base Premium $ 2,026.92 3% CO Surplus Lines Tax $ 69,590.92 Total Due

Notable Coverage Considerations

a. This coverage is a claims-made and reported policy.

b. The Ransomware sublimit and 50% Coinsurance were removed from the policy this year.

EXECUTIVE LIABILITY

Policy Period

Named Insured(s)

July 1, 2024 to July 1, 2025

Academy School District 20 Foundation (and its subsidiaries per the policy definition)

Insuring Agreements + Non-Profit Directors & Officers Liability (D&O)

+ Employment Practices Liability (EPL)

Limits of Liability (Shared)

$ 1,000,000 D&O/EPL

$ 1,000,000 Aggregate

Additional limits including but not limited to:

$ 250,000 D&O – Additional A-Side Limit (Supplemental

Personal Indemnification Coverage) $ 50,000 EPL – Workplace Violence Expenses Sublimit $ 50,000 EPL – FLSA Defense Sublimit

Liability Retentions $ 0 D&O/EPL (1st and 3rd Party)

Prior & Pending/ Continuity Date(s)

July 1, 2011

Annual Premium $ 876 (expiring $850)

EXECUTIVE LIABILITY (CONTINUED)

Notable Coverage Considerations

+ D&O/EPL

a. Defense expense coverage is included within the limit of liability, with an additional $250,000 D&O A-Side limit.

b. The policy stipulates that the carrier has the duty to defend. This means that the insurance company has the right and duty to assign defense counsel for any claim.

c. This policy is claims made. The policy contains specific language on how and when to report claims. Failure to comply with the policy conditions will result in jeopardizing coverage.

d. Given the claims made policy form, should you choose to non-renew, the policy stipulates language regarding the ability to purchase “Extended Reporting” coverage, or a tail. Please refer to the policy for specific details, including but not limited to length of tail available, pricing and other terms.

Higher limits may be available. Please request from your IMA Representative.

July 1, 2024 to July 1, 2025

Academy School District No. 20 and School District No.

20 Foundation (and subsidiaries per policy definition)

CRIME

Policy Period

Named Insured(s)

Crime Option 1 (Per Expiring)

COVERAGE LIMIT RETENTION

A.1 Employee Theft (by endorsement) $ 1,000,000 $ 5,000

Faithful Performance of Duty Sublimit (by endorsement)

$ 1,000,000 $ 5,000

A.2 ERISA Fidelity Not Covered A.3 Employee Theft of Client Property Not Covered B. Forgery or Alteration $ 1,000,000 $ 5,000 C. On Premises $ 1,000,000 $ 5,000 D. In Transit $ 1,000,000 $ 5,000 E. Money Orders and Counterfeit Money $ 1,000,000 $ 5,000 F.1 Computer Fraud $ 1,000,000 $ 5,000 F.2 Computer Program & Electronic Data

Restoration Expense $ 100,000 $ 5,000

G. Funds Transfer Fraud $ 1,000,000 $ 5,000 H.1 Personal Accounts Forgery &

Alteration $ 1,000,000 $ 5,000

H.2 Identity Fraud Expense Reimbursement

$ 25,000

I. Claim Expense $ 100,000 $ 0 End. Social Engineering $ 250,000 $ 5,000 End. Telecommunication Fraud $ 100,000 $ 5,000

CRIME (CONTINUED)

ERISA Plan(s) Included Yes – Omnibus Wording

Annual Premium $ 8,730 (Expiring was $8,675)*

*The Travelers Crime Policy was previously on a three-year policy period prepaid at $24,723. Due to the recent Crime claim, Travelers is unable to offer a three-year policy this year.

Notable Coverage Considerations

a. There is no coverage for the theft of data, trade secrets, or other confidential information. This is not a Cyber or E&O liability policy.

b. Coverage is written on a “discovery” basis.

c. Worldwide coverage territory.

d. Acts committed by partners are not covered.

e. It is important that potential loss situations or actual claims are handled in a timely manner and consistent with the policy conditions. Please contact IMA if you have loss reporting or questions about your crime / employee dishonesty policy.

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