Green Upgrade Coverage

1. Green Upgrade Coverage

2. A Loss Scenario Fire damage to a 30 year old building. Today School Insurance Policy Building Law & Ordinance Coverage Replaced & Updated To Comply With New Codes & Ordinances Effective July 1, 2010 Replaced & Updated To Comply With New Codes & Ordinances plus Enhanced with Green Features School Insurance Policy Building Law & Ordinance Coverage Green Upgrade Coverage

3. Why Make Your Building Green?

4. Green Coverage – Part 1 • Upgrading Building Features • Green Examples • Low flush toilets • Use of captured rainwater for irrigation • Automatic shut offs on lighting • Geothermal heating and cooling • Solar panels • Compact florescent or LED lighting • Energy efficient or low E windows • From LEED Reference Guide for Building Design & Construction

5. Green Coverage Part 2 • Paying For Related Costs • Waste reduction and recycling • Design & engineering professional fees • Certification fees and related equipment testing • Building air-out and related air testing • From LEED Reference Guide for Building Design & Construction

6. Green Upgrade Conditions It must be GREEN GREEN means enhanced energy efficiency or use of environmentally-preferable, sustainable materials, products or methods in design, construction, manufacture or operation, as recognized by a GREEN Standards-setter. It must be recognized GREEN by a GREEN Standards-setter GREEN Standards-setter means an organization or governmental agency which produces and maintains guidelines related to GREEN products and practices. GREEN Standards-setter include but are not limited to: The Leadership in Energy and Environmental Design (LEED®) program of the U.S. Green Building Council. ENERGY STAR, a joint program of the U.S. Environmental Protection Agency and the U.S. Department of Energy; and GREEN GlobesTM, a program of the Green Building Initiative.

7. Green Upgrade Conditions In order to receive related cost coverage for design & engineering professional fees, the engineer or architect must be accredited GREEN. Brian Schwartz, Associate AIA, NCARB, LEED AP INVISION planning I architecture I interiors 303 Watson Powell Jr. Way, Suite 200 Des Moines, IA 50309 515.633.2941 515.633.2942- fax www.invisionarch.com

8. Green Coverage • No additional cost for the following coverages: • Each Educational Building & Office: • $25,000 Building • $10,000 Related Costs • $50,000 Per Loss Aggregate • Each School can buy more or add coverage to other • structures e.g. bus garage • $500,000 Extra Building • $50,000 Extra Related Costs • APPROX COST : $470

9. The Importance of Local Agents Community Based Knowledge of local school operations and changes Critical communications link between insurance company and school Advise school on necessary changes and coverage limits Assist with details of new construction Help with insurance review and school boards

10. Pricing/ All Lines Dividend Plan EMC Dividend Plan covers ALL insurance lines including E&O Liability and Umbrella (no pollution included) Dividend based on experience of entire group not an individual school

11. MGA Involvement • Creating coverages and enhancing limits • Group Excess Coverage • Green Upgrade Coverage • Water and Earthquake Coverage • Higher limits on Business Income and Extra Expense • Insurance advisor to local agents • Weight room issues • Bus route issues • Gun programs • Presentation about school issues • School Board Attorney Association • Superintendent Accreditation • Safety Group Seminars • School Board Presentations

12. MGA Involvement • Contributions to the Iowa Educational Community • IASB Foundation • IASBO Scholarships • Support for SAI, IASBO and IASB conventions • Contract Evaluation • Schools • School Attorneys • Local Insurance Agents • Construction Consultation

13. Risk Management Tips For Principals Security – Perhaps the biggest single responsibility of the principal is to keep the children safe at all times.  One of the biggest issues in this regard is concern over security, particularly outsiders who might come into the building that have no business being there.  Each building should have a procedure to screen incoming visitors or to at least observe who these people are and to give them some kind of identification that they would wear while in the building. Use of flammables – Principals should be especially vigilant that individual teachers or students don’t try to bring in flammable materials for some kind of classroom presentation because of the obvious dangers involved. Outside groups – Many times people are asked to let outside groups to come into the school building to conduct some kind of program or event, and each time this happens there is a corresponding increase in risk to the district.  There clearly needs to be some control over this and questions could certainly be directed to the business manager or superintendent.

14. Risk Management Tips For Principals Use of autos – Using autos or trailers owned by other people or organizations carries with it a certain amount of risk, not only for accidents that cause injury to other people but also damage to the borrowed vehicle.  We would discourage this kind of practice very strongly. Field trips – Budget considerations limit field trips in today’s environment, but the principal should be especially vigilant when people suggest trips outside the district, and particularly outside the state of Iowa because of the increased risk involved. Student workers – It is important that the district try very hard to not utilize students to perform work for the district because they can inadvertently be brought into coverage under your Workers’ Compensation program since they are performing work on your behalf that you would otherwise have to outsource or hire employees to do.

15. Risk Management Tips For Principals Contracts – All contracts that require a signature need to be brought to the business manager’s or superintendent’s office for review before they can be properly executed as required by Iowa law.  Individual principals or teachers should not be entering into or signing any contractual agreement. Borrowed equipment – As a general rule we would discourage the practice of borrowing equipment, computers, or other property owned by others which might include parents, students, or volunteers.  These kinds of equipment items can easily be damaged and they can also cause injury to others with considerable resulting insurance complications. Staff personal autos – A frequent question is the use of personal autos by teachers and other staff to do some errand or work for the district.  Such use is permitted by law, but the person doing this must be acting within the scope of their employment and authorized by some person in authority in the district, which I assume might be the principal at the individual school level.

16. Risk Management Tips For Principals Staff personal property – We get frequent questions from teachers and other staff about personal belongings they might have at the school, which might include purses, billfolds or wallets, items of clothing, personal art objects, etc.  The individual teacher is responsible for insurance on all of these items, as well as covering their own personal auto while it is parked on school property. 

17. School To Work Checklist • Name and address of Company • Is this a legal owner? • Work site location • Contact person • Description of operations • What will our students be doing? • Any child labor law issues? • Certificate of current Workers’ Compensation insurance • Current Workers’ Compensation Experience Modification Factor • Any previous OSHA violations? • Do they have a written safety plan? • Do they have a safety director? • Premises inspection • Completed By:_______________ • Date of Inspection:____________

18. School NAME School Name X $500,000 $500,000 $500,000 N/A

19. $1,000,000 $2,000,000 $1,000,000 $2,000,000 $2,000,000 (3) THREE $1,000,000 $3,000,000 $10,000 N/A N/A

20. With sublimits of 100,000 each Except earthquake & flood @ $25,000 deductible each $1,000 per occurrence

21. Builders Risk will include materials stored off-site or in transit up to $100,000