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Home My WebLink AboutR-2015-081 Annual Auto and Liability Insurance RESOLUTION NO. R— 2015-081 A RESOLUTION AUTHORIZING THE PURCHASE OF AUTO AND LIABILITY INSURANCE FROM THE MISSOURI PUBLIC ENTITY RISK MANAGEMENT FUND INSURANCE COMPANY FOR THE ANNUAL PREMIUM RENEWAL IN AN AMOUNT NOT TO EXCEED $85,592.00 WHEREAS, the City of Riverside has a need for auto and liability insurance coverage on all city owned vehicles and property; and WHEREAS, the City of Riverside in the adoption of its purchasing policy requires all expenditures in excess of$10,000 to be presented to the Board of Aldermen for approval and the City's insurance carrier for auto and liability insurance has presented an invoice in the amount of $85,592.00 for annual renewal such insurance coverage; and WHEREAS, funds for such purpose were budgeted in the Fiscal Year 2015-2016 budget; and WHEREAS, the Board of Aldermen find it is in the best interest of the citizens of the City of Riverside to authorize acquisition and renewal of such insurance coverage and approve the payment to Missouri Public Entity Risk Management Fund (MoPerm)for auto and liability insurance coverage for the City of Riverside, in an amount not to exceed $85,592.00. NOW THEREFORE, BE IT RESOLVED BY THE BOARD OF ALDERMEN OF THE CITY OF RIVERSIDE, MISSOURI, AS FOLLOWS: THAT, the acquisition and renewal of such insurance coverage and payment to Missouri Public Entity Risk Management Fund (MoPerm) for auto and liability insurance coverage, in an amount not to exceed $85,592.00 is hereby authorized and approved; and FURTHER THAT the Mayor, City Administrator, or either of their designees, are hereby authorized to execute all documents necessary or incidental to this transaction and the City Clerk is authorized to attest thereto. PASSED AND ADOPTED by the Board of Aldermen and APPROVED by the Mayor of the City of Riverside, Missouri, the 15'" day of December, 2015. yor Kathleen L. Rose Robin Kincaid, City Clerk o INVOICE MISSOURI PUBLIC ENTITY RISK MANAGEMENT FUND 3425 Constitution Court,3rd Floor P.O. Box 7110 Jefferson City MO 65102 Date Invoice Number (888)566-7376 Fax(573)751-8276 11-30-2015 127482 Account Number Policy Number 1002 LP-1002-201601 Invoice To: CITY OF RIVERSIDE 2950 NW VIVION RD TERMS DUE UPON RECEIPT RIVERSIDE MO 64150 PLEASE REMIT PAYMENT TO: MOPERM 3425 Constitution Court, 3rd Floor P.O. Box 7110 Jefferson City MO 65102 Description Amount Auto Physical Damage(Fleet) Comprehensive $6,098.00 Collision $11,059.00 Automobile Liability(Fleet) $12,747.00 Uninsured Motorist $517.00 Hired and Non-Owned Vehicles $0.00 General Liability $11,812.00 Employment Practices Liability $19,772.00 Errors&Omissions Liability $1,907.00 Law Enforcement Liability $19,440.00 Healthcare Malpractice $2,240.00 TOTAL AMOUNT DUE $85,592.00 MCFEW MEMORANDUM OF COVERAGE DECLARATIONS MEMBER NAME AND MAILING ADDRESS AGENCY NAME AND MAILING ADDRESS CITY OF RIVERSIDE 2950 NW VIVION RD RIVERSIDE MO 64150 ALL COVERAGES LISTED BELOW ARE SUBJECT TO ALL TERMS, CONDITIONS, EXCLUSIONS AND APPLICABLE REDUCTIONS DESCRIBED IN THE MEMORANDUM OF COVERAGE AND ARE SUBJECT TO PAYMENT OF THE CONTRIBUTION FOR THIS COVERAGE. Memorandum Number: 1002 1 Coverage Period: 12:01 a.m. 1-1-2016 to 12:01 a.m. 1-1-2017 Policy Number: LP-1002-201601 COVERAGE DEDUCTIBLE RETROACTIVE DATE The limit for the coverages listed below shall not exceed the maximum amount provided for by RSMo.537.610 (Sovereign Immunity Limits)or$2,000,000 per occurrence as set forth in Section II of the Memorandum of Coverage. Automobile Liability(Fleet) $0 Hired and Non-Owned Vehicles $0 General Liability $0 Employment Practices Liability $0 Errors&Omissions Liability $0 Law Enforcement Liability $0 Healthcare Malpractice $0 *Deductible applies to Loss and Loss Adjustment Expense combined if indicated on the Declarations M100 (Ed. 1-16). Loss Adjustment Expense is defined as all costs of investigating, adjusting, and defending a claim. ADDITIONAL COVERAGES DEDUCTIBLE LIMIT Uninsured Motorist $0 $50,000 Auto Physical Damage (Fleet) Per Schedule Actual Cash Value Fortes and endorsements contained in this Memorandum at inception: Schedule of Automobiles M400 (Ed. 1-11) Automobile Physical Damage Coverage M401 (Ed. 1-00) Uninsured Motorist Coverage M402 (Ed. 1-10) Automobile Fleet-Nonauditable M407(Ed. 1-14) Issued by Missouri Public Entity Risk Management Fund (MOPERM), P.O. Box 7110, Jefferson City, MO 65102 O By: v. Date: 12-1-2015 M100(Ed.1-16) MISSOURI PUBLIC ENTITY RISK MANAGEMENT FUND CITY OF RIVERSIDE SCHEDULE OF COVERED AUTOMOBILES Memorandum Number: 1002 Policy Period: January 1,2016 to January 1,2017 A Agreed Comp Liability Unins. Med Auto# Contrib. C Department Year/Makle/Model VIN License#/Asset# Value Ded. Coll Ded. Ded. Motorial Pay D Coverage/NC=No Coverage 7 $393.00 ADMINISTRATION 2007 FORD ESCAPE 1FMYU93107KBO6524 $500 $500 $0 C NC 9 $458.00 ADMINISTRATION 2007 FORD 2FMZA51227BA24807 $500 $500 $0 C NC FREESTAR 2013 49 $690.00 ADMINISTRATION ENCLAVE VE 5GAKVCKD9D1152808 $500 $500 $0 C NC ENC 2012 TRAILER 39 $27.00 FIRE DEPARTMENT CASTLE CRAFT 1XTXB1617C1D00011 $500 $500 $0 NC NC UT-850MLLLWT 1 $886.00 FIRE DEPARTMENT 1996 FREIGHTLINER FIRE TRUCK 1FV6HLCB2TH704048 $500 $500 $0 C NC 4 $422.00 FIRE DEPARTMENT 1997 GMC 1GDJK34F1VF002807 $500 $500 $0 C NC FIRE TRUCK 12 $816.00 FIRE DEPARTMENT 2007 FORD 1FDAW57P37EA85881 $500 $500 $0 C NC MINI PUMPER TRUCK 30 $748.00 FIRE DEPARTMENT 2000 HME 44KFT4283YWZ19232 $500 $500 $0 C NC FIRE TRUCK By: Date: 12-1-2015 M400(Ed. 1-11) CITY OF RIVERSIDE Memorandum Number: 1002 A Agreed Comp Liability Unins. Med Value Ded. Coll Ded. Ded. Motorise Pa Auto# Contrib. C Department Year/Makle/Model VIN License#/Asset k Y D C=Covenge/NC-No Coverage 34 $1,715.00 FIRE DEPARTMENT IFIR E 1 PIERCE PUMPER 4P1C101A3BA011483 $500 $500 $0 C INC FIR 29 $0.00 LAW ENFORCEMENT 2000 TRAILER lDGC51214YM039817 N/C N/C $0 NC NC DOOLITTLE 36 $69.00 LAW ENFORCEMENT 2012 HONDA 1HFTE3301C4700480 $500 $500 $0 NC INC 4 WHEELER 3 $507.00 LAW ENFORCEMENT 2005 FORD 2FAFP71W45X103020 $500 $500 $0 C NC CROWN VICTORIA 10 $507.00 LAW ENFORCEMENT 2007 FORD 2FAFP71W97X115165 $500 $500 $0 C NC CROWN VICTORIA 16 $476.00 LAW ENFORCEMENT 2008 FORD 2FAFP71V28X1324O1 $500 $500 $0 C NC CROWN VICTORIA 17 $507.00 LAW ENFORCEMENT 2008 FORD 2FAFP71V98X339720 $500 $500 $0 C NC CROWN VICTORIA 31 $507.00 LAW ENFORCEMENT 2011 FORD 2FABP7BV6BX101043 $500 $500 $0 C NC CROWN VICTORIA 32 $507.00 LAW ENFORCEMENT 2011 FORD 2FABP7BV0BX101D40 $500 $500 $0 C NC CROWN VICTORIA 44 $594.00 LAW ENFORCEMENT 2014 DODGE 2C3CDXAT2EH124815 $500 $500 $0 C INC CHARGER 45 $594.00 LAW ENFORCEMENT 2014 DODGE 2C3CDXAT4EH124816 $500 $500 $0 C NC CHARGER 8 $461.00 LAW ENFORCEMENT 2007 HARLEY DAVIDSON 1HD1FHM157Y622446 $500 $500 $0 C NC MOTORCYCLE By: Date: 12-1-2015 M400(Ed. 1-11) CITY OF RIVERSIDE Memorandum Number: 1002 A Agreed Comp Coll DedLiability Unins. Med . Auto# Contrib. C Department Year/Makle/Model VIN License#/Asset# Value Ded. Ded. Motorist Pay D C-Coverage/NC-No Coverage 43 $648.00 LAW ENFORCEMENT 2013 CHEVROLET TAHOE 1GNSK2E04DR265522 $500 $500 $0 C NC 48 $705.00 LAW ENFORCEMENT 2014 FORD 1FMSK8ARXEGA70708 City $500 $500 $0 C NC EXPLORER 52 $930.00 LAW ENFORCEMENT 2015 CHEVROLET TAHOE 1GNSK2EC1FR514372 $500 $500 $0 C NC 53 $930.00 LAW ENFORCEMENT 2015 CHEVROLET TAHOE 1GNSK2EC2FR514493 $500 $500 $0 C NC 15 $393.00 PUBLIC SAFETY 2008 FORD 1FTNE24L88DA14935 $500 $500 $0 C NC ECONOLINE VAN - 18 $458.00 PUBLIC SAFETY 2006 DODGE 1D4HB48296F119605 $500 $500 $0 C NC DURANGO 19 $458.00 PUBLIC SAFETY 2006 DODGE DURANGO 1D4HB58276F190002 $500 $500 $0 C NC 22 $458.00 PUBLIC SAFETY 2008 FORD 1FTNE24W38DA67827 $500 $500 $0 C NC ECONOLINE VAN 26 $458.00 PUBLIC SAFETY 2010 FORD 1FMJKlGSOAEA47678 $500 $500 $0 C NC EXPEDITION 35 $458.00 PUBLIC SAFETY 2011 CHEVROLET TAHOE 1GNSK2E05BR228217 $500 $500 $0 C NC 37 $491.00 PUBLIC SAFETY 2012 CHEVROLET 1GNSK2E09CR127781 $500 $500 $0 C NC TAHOE 38 $491.00 PUBLIC SAFETY 2012 CHEVROLET 1GNSK2E08CR130171 $500 $500 $0C INC TAHOE By: Date: 12-1-2015 M400(Ed.1-11) CITY OF RIVERSIDE Memorandum Number: 1002 A Agreed Comp Coll Ded. Liability Unins. Med Auto# Contrib. C Department Vear/Makle/Model VIN License#/Asset# Value Ded. Ded. Motorist Pay D C=Coverage/NC—No Coverage 41 $491.00 PUBLIC SAFETY 2012 FORD 1MW2B6XCEC68913 $500 $500 $0 C NC F250 PICKUP 51 $574.00 PUBLIC SAFETY 2015 CHEVROLET 1GCIKUEG3FF506990 $500 $500 $0 C NC SILVERADO 1972 INTERNATIONAL 46 $1,100.00 PUBLIC SAFETY BUS-MOBILE COMMAND 1600IC25HB city plate $500 $500 $0 C NC UNIT 5 1 $49.00 1 PUBLIC SAFETY 2006 ATV IHFTE330964103310 I I $5001 $S00 $0 NC NC HONDA 4-WHEELER 13 $24.00 PUBLIC SAFETY 2007 TRAILER 13YFS16247C097763 $500 $500 $0 NC NC STAR FLATBED 14 $49.00 PUBLIC SAFETY 2008 TRAILER 1WC200F2X82062021 $500 $500 $0 NC NC WELLS 40 $555.00 PUBLIC SAFETY 2013 FORD 1FAHP2M81DG148526 $500 $500 $0 C NC TAURUS 6 $458.00 PUBLIC WORKS 2007 FORD 1FTSF21PX7EB00859 $500 $500 $0 C NC F250 PICKUP 11 $458.00 PUBLIC WORKS 2007 FORD 1FDXF47P27EB31852 $500 $500 $0 C NC F450 TRUCK 20 $458.00 PUBLIC WORKS 2008 FORD IFDWF37R18EC83548 $500 $500 $0 C NC F350TRUCK 21 $458.00 PUBLICWORKS 2006 JEEP 1J4GL58K16W100505 $500 $500 $0 C dN LIBERTY 23 $458.00 PUBLIC WORKS 2010 FORD F550 PICKUP 1FDGF5HR3AEA18392 $500 $500 $0 C By. Date: 12-1-2015 M400(Ed. 1-11) CITY OF RIVERSIDE Memorandum Number: 1002 A Agreed Comp Coll Ded. Liability Unins. Med Auto# Contrib. C Department Year/Makle/Model VIN License#/Asset# Value Ded. Ded. Motorist Pay D C—Coverage/NC-No Coverage 24 $458.00 PUBLIC WORKS 2010 FORD 1FDGFSHRlAEA18391 $500 $500 $0 C NC FSSO PICKUP 25 $458.00 PUBLIC WORKS 2010 FORD 1FDGF5HR5AEA18393 $500 $500 $0 C NC F550 PICKUP 27 $361.00 PUBLIC WORKS 2010 FORD 1FTLR4FE9APA53513 $500 $500 $0 C NC RANGER 28 $361.00 PUBLIC WORKS 2010 FORD 1FTLR4FE7APA53512 $500 $500 $0 C NC RANGER 2 $487.00 PUBLIC WORKS 2002 FREIGHTLINER 1FVABTAK92HJ89465 $500 $500 $0 C NC TRUCK 33 $1,427.00 PUBLIC WORKS 2011 ELGIN 1HTMMAAN4BH317938 $500 $500 $0 C NC CROSSWIND SWEEPER 2013 INTERNATIONAL 42 $1,571.00 PUBLIC WORKS DUMP TRUCK W/SNOW 1HTWDAAR2D1349911 $500 $500 $0 C NC PLOW&SPREADER 47 $603.00 PUBLIC WORKS 2014 FORD 1FDUFSHT9EEA60599 $500 $500 $0 C NC FS50TRUCK 2015 INTERNATIONAL $1I ,801.00 PUBLIC WORKS C&C W/SNOW REMOVAL 1HTWDAAR7FH698511 $500 $500 $0 C NC 50 EQUIPMENT A-ADDITION;C-CHANGE;D-DELETION Issued by the Missouri Public Entity Risk Management Fund (MOPERM), P.O. Box 7110 Jefferson City Missouri 65102 By. Date: 12-1-2015 M400(Ed. 1-11) AUTOMOBILE PHYSICAL DAMAGE COVERAGE A. MOPERM will pay for loss to a covered automobile or its equipment under: 1. Comprehensive Coverage. From any cause except the covered automobile's collision with another object or its overturn. 2. Collision Coverage.Caused by the covered automobile's collision with another objector its overturn. B. MOPERM WILL NOT COVER(EXCLUSIONS). This memorandum does not apply to: 1. Wear and tear,freezing,mechanical or electrical breakdown unless caused by other loss covered by this memorandum. 2. Blowouts,punctures or other road damage to tires unless caused by other loss covered by this memorandum. 3. Loss caused by declared or undeclared war or insurrection or any of their consequences. 4. Loss caused by the explosion of a nuclear weapon or its consequences. 5. Loss caused by radioactive contamination. 6. Loss to tape decks or other sound reproducing equipment not permanently installed in a covered automobile. 7. Loss to tapes, records or other sound reproducing devices designed for use with sound reproducing equipment. 8. Loss to any sound receiving equipment designed for use as a citizens' band radio, two-way mobile radio or telephone or scanning monitor receiver, including its antennas and other accessories, unless permanently installed in the dash or console opening normally used by the automobile manufacturer for the installation of a radio. C. HOW MOPERM WILL PAY FOR LOSSES-THE MOST MOPERM WILL PAY. 1. At MOPERM's option,MOPERM may: a. Pay for, repair or replace damaged or stolen property;or b. Return the stolen property, at MOPERM's expense. MOPERM will pay for any damage that results to the automobile from the theft. 2. The most MOPERM will pay for loss is the smaller of the following amounts: a. The actual cash value of the damaged or stolen property at the time of loss; or b. The cost of repairing or replacing the damaged or stolen property with other of like kind or quality. 3. For each covered automobile, MOPERM's obligation to pay for repair, return or replace damaged or stolen property will be reduced by the applicable deductible shown in the Schedule of Covered Automobiles. D. LOSS PAYABLE CLAUSE. 1. MOPERM will pay the Member Agency and the loss payee named in the policy for loss to a covered automobile, as their interest may appear. 2. The coverage includes the interest of the loss payee unless the loss results from fraudulent acts or omissions on the Member Agency's part. 3. MOPERM may cancel the coverage as allowed by Withdrawal/Cancellation. Cancellation ends this agreement as to the loss payee's interest. If MOPERM cancels the coverage MOPERM will mail the Member Agency and the loss payee the same advance notice. 4. If MOPERM makes any payment to the loss payee, MOPERM will obtain his rights against any other party. 5. If MOPERM makes any payment to the loss payee, MOPERM will obtain his rights against any other party. E. GLASS BREAKAGE-HITTING A BIRD OR ANIMAL-FALLING OBJECTS OR MISSILES. MOPERM will pay for glass breakage, loss caused by hitting a bird or animal or by falling objects or missiles under Comprehensive Coverage if the Member Agency carries Comprehensive Coverage for the damaged automobile. However, the Member Agency has the option of having glass breakage caused by a covered automobile's collision or overturn considered a loss under Collision Coverage. F. TO RECOVER FOR LOSS TO A COVERED AUTOMOBILE OR ITS EQUIPMENT, THE MEMBER AGENCY MUST DO THE FOLLOWING: 1. Permit MOPERM to inspect and appraise the damaged property before its repair or disposition. 2. Do what is reasonably necessary after loss at MOPERM's expense to protect the covered automobile from further loss. 3. Submit a proof of loss when required by MOPERM. 4. Promptly notify the police if the covered automobile or any of its equipment is stolen. G. MOPERM's RIGHT TO RECOVER FROM OTHERS. If MOPERM makes any payment, MOPERM is entitled to recover what MOPERM paid from other parties.Any person to or for whom MOPERM makes payment must transfer to MOPERM his or her rights of recovery against any other party. This person must do everything necessary to secure these rights and must do nothing that would jeopardize them. H. NO BENEFIT TO BAILEE-PHYSICAL DAMAGE INSURANCE ONLY. MOPERM will not recognize any assignment or grant any coverage for the benefit of any person or organization holding,storing or transporting property for a fee regardless of any other provisions of this Memorandum. I. APPRAISAL FOR PHYSICAL DAMAGE LOSSES. 1. If the Member Agency and MOPERM fail to agree as to the amount of loss,either may demand an appraisal of the loss. In such event, the Member Agency and MOPERM shall each select a competent appraiser, and the appraisers shall select a competent and disinterested umpire. The appraisers shall state separately the actual cash value and the amount of loss, and,failing to agree, shall submit their differences to the umpire. An award in writing of any two shall determine the amount of loss. The Member Agency and MOPERM shall each pay their chosen appraiser and shall bear equally the other expenses of the appraisal and umpire. 2. MOPERM shall not be held to have waived any of its rights by any act relating to appraisal. Issued by Missouri Public Entity Risk Management Fund(MOPERM), P. O. Box 7110,Jefferson City, MO 65102. M401(Ed. 1-16) UNINSURED MOTORIST COVERAGE A. WORDS AND PHRASES WITH SPECIAL MEANING In addition to the WORDS AND PHRASES WITH SPECIAL MEANING in the Memorandum, the following words and phrases have special meaning for UNINSURED MOTORISTS COVERAGE: 1. Occupying means in, upon, getting in, on,out or off. 2. Uninsured motor vehicle means a land motor vehicle. a. For which there is no applicable liability bond or policy at the time of an accident,or b. For which an insuring or bonding company denies coverage or is or becomes insolvent and is not covered by an insurance guaranty association, or c. Which is a hit-and-run vehicle which causes bodily injury to a Covered Party without hitting the Covered Party, a covered automobile or a vehicle the Covered Party is occupying. If there is no physical contact with the hit-and-run vehicle, the facts of the accident must be proved. MOPERM may request supporting evidence other than the testimony of a person making a claim under this or any similar coverage to support the validity of such a claim. However, uninsured motor vehicle does not include any vehicle: a. Owned or operated by a self-insurer under any applicable motor vehicle law. b. Owned by a government unit or agency. c. Designed for use mainly off public roads while not on public roads. B. MOPERM WILL PAY Subject to the minimum limits required by applicable law and the limits provided by Section E,MOPERM will pay all sums the Covered Party is legally entitled to recover as damages from the owner or driver of an uninsured motor vehicle. The damages must result from bodily injury sustained by the Covered Party caused by an accident. The owner's or driver's liability for these damages must result from the ownership, maintenance or use of the uninsured motor vehicle. C. MOPERM WILL NOT COVER-EXCLUSIONS This coverage does not apply to: 1. Any claim settled without MOPERM's consent. 2. Anyone using a vehicle without a reasonable belief that the person is entitled to do so. D. WHO IS COVERED 1. Anyone occupying a covered automobile or a temporary substitute for a covered automobile. The covered automobile must be out of service because of its breakdown, repair, servicing, loss or destruction. 2. Anyone for damages he is entitled to recover because of bodily injury sustained by another Covered Party. E. MOPERM'S LIMIT OF LIABILITY 1. Regardless of the number of Covered Parties,claims made or vehicles involved in the accident, the most MOPERM will pay for all damages resulting from any one accident is the limit of UNINSURED MOTORISTS COVERAGE shown in the Schedule of Covered Automobiles. The Limit of Liability shown in the Schedule for this coverage is also the most MOPERM will pay regardless of the number of covered automobiles. Issued by Missouri Public Entity Risk Management Fund(MOPERM),P.O.Box 7110,Jefferson City,MO 65102. M402(Ed.1-16) 2. The Limit of Liability under this uninsured motorist coverage shall be reduced by all sums paid by or for anyone who is legally responsible, including all sums paid under the Memorandum's LIABILITY COVERAGE. 3. Any amount paid under this coverage will reduce any amount a Covered Party may be paid under the memorandum's LIABILITY COVERAGE. F. CHANGES IN CONDITIONS The CONDITIONS of the Memorandum are changed for UNINSURED MOTORISTS COVERAGE as follows: 1. The reference in OTHER COVERAGE to other "collectible coverage" applies only to other collectible uninsured motorists coverage. 2. SUBROGATION is changed by adding the following: If MOPERM makes a payment under this uninsured motorist coverage and the Covered Party recovers from another party,the Covered Party shall hold the proceeds in trust for MOPERM and pay MOPERM back the amount received by the Covered Party but not to exceed the amount MOPERM has paid under this coverage. G. ARBITRATION The Covered Party shall not be required to arbitrate disputed claims. Issued by Missouri Public Entity Risk Management Fund(MOPERM),P.0.Box 7110,Jefferson City,MO 65102. M402(Ed.1-16) AUTOMOBILE FLEET-NONAUDITABLE Vehicles acquired after the effective date of the memorandum are automatically covered without adjustment to the annual contribution as long as the desired coverage already exists on the policy. At each annual renewal Member Agency is responsible for providing an up-to-date schedule of all vehicles. Schedule shall be in the required format. In the event of a claim involving a newly-acquired vehicle, proof of ownership must be provided. Such proof must include date of acquisition. Issued by Missouri Public Entity Risk Management Fund(MOPERM), P. O. Box 7110,Jefferson City, MO 65102. M407(Ed. 1-16) imKrEw MISSOURI PUBLIC ENTITY RISK MANAGEMENT FUND MEMORANDUM OF COVERAGE CONTENTS I. WHAT MOPERM PAYS.................................................................................................................................1 II. MOPERM'S LIMIT OF LIABILITY...............................................................................................................................1 III. WHO IS A COVERED PARTY....................................................................................................................................2 IV. WHAT MOPERM WILL NOT COVER(EXCLUSIONS)..............................................................................................2 V. WORDS AND PHRASES WITH SPECIAL MEANING................................................................................................5 VI. CONDITIONS.............................................................................................................................................................7 M 900(Rev.1-16) MISSOURI PUBLIC ENTITY RISK MANAGEMENT FUND MEMORANDUM OF COVERAGE I. WHAT MOPERM PAYS A. COVERAGE 1. Coverage for the Member Agency for claims on causes of action established by Missouri Law. For claims on causes of action established by Missouri Law, MOPERM will pay on behalf of the Member Agency the ultimate net loss which the Member Agency shall become legally obligated to pay by reason of liability arising out of: a. Injuries directly resulting from the negligent acts or omissions by public employees arising out of the operation of motorized vehicles within the course of their employment; b. Injuries caused by the condition of a public entity's property if the plaintiff establishes that the property was in dangerous condition at the time of the injury, that the injury directly resulted from the dangerous condition, that the dangerous condition created a reasonably foreseeable risk of harm of the kind of injury which was incurred,and that either a negligent or wrongful act or omission of an employee of the public entity within the course of his employment created the dangerous condition or a public entity had actual or constructive notice of the dangerous condition in sufficient time prior to the injury to have taken measures to protect against the dangerous condition, as more fully set forth in Section 537.600.1(2), RSMo. 2. Coverage for Member Agency for claims on causes of action other than those established by Missouri Law;and coverage for public officials and employees. For claims against the Member Agency on causes of action other than those established by Missouri Law and for claims against public officials and employees, MOPERM will pay the ultimate net loss which the Covered Party shall become legally obligated to pay by reason of liability for damages because of Automobile Liability, General Liability, Employment Practices Liability, Law Enforcement Liability, Public Officials Errors and Omissions Liability, and Healthcare Malpractice Liability, to which this memorandum applies,caused by or arising out of an occurrence. B. DEFENSE On matters covered by this memorandum, MOPERM shall have the right and duty to defend any suit against the Covered Party, even if any allegations are groundless, false or fraudulent. MOPERM may make such investigation, negotiation or settlement of any claim or suit as it deems expedient. MOPERM shall not be obligated to pay any claim or judgment or to defend any suit after MOPERM's limit of liability has been exhausted. ' Nothing contained in this section, or the balance of this document, shall be construed to broaden the liability of the Member Agency beyond the provisions of Sections 537.600 to 537.610, RSMo, nor to abolish or waive any defense at law which might otherwise be available to the Member Agency or its officers and employees. IL MOPERM'S LIMIT OF LIABILITY Regardless of the number of(1) covered parties under the memorandum, (2) persons or organizations who sustain injury or damage, or(3)claims made or suits brought, MOPERM's liability for the ultimate net loss: 1. Under Section 1.A.1.shall not exceed the maximum amount provided for by Section 537.610, RSMo; and, 2. Under Section 1.A.2. shall not exceed $2,000,000 for any one occurrence arising out of bodily injury, property damage,public officials errors and omissions,or any combination thereof. While a covered automobile is away from the state where it is licensed, MOPERM will provide the minimum amounts and types of other coverages, such as "No-Fault" required of out-of-state vehicles by the jurisdiction where the automobile is being used. MOPERM will not pay anyone more than once for the same elements of loss because of this extension but in no event to exceed the maximum amount provided for in Section 537.610, RSMo,for any one occurrence. III. WHO IS A COVERED PARTY? Each of the following is a Covered Party,to the extent set forth below. A. The Member Agency named in the declarations. B. Any elected or appointed official of the Member Agency while acting (1)within the course and scope of their duties,and(2) in furtherance of the official pursuits of the Member Agency. 1 M900(Rm.746) C. Any member of Boards or Commissions of the Member Agency while acting (1)within the course and scope of their duties, and(2)in furtherance of the official pursuits of the Member Agency. D. Any employee or authorized volunteer of the Member Agency while acting (1)within the course and scope of their duties, and(2)in furtherance of the official pursuits of the Member Agency. E. Any person while using an owned, non-owned or hired automobile and any person legally responsible for the use thereof, provided the actual use of the automobile is (1)within the course of employment, and (2) in furtherance of the official pursuits of the Member Agency. The coverage extended by this Section E shall not apply: 1. To any person or organization, or to any agent or employee thereof, engaged in selling, repairing, servicing, delivering, testing, road testing, parking or storing automobiles, with respect to any occurrence arising out of any such occupation; or 2. With respect to any hired automobiles, to the owner or a lessee thereof other than the Member Agency, or to any agent or employee of such owner or lessee. F. Any person or organization to whom or to which the Member Agency is obligated by virtue of a written contract to provide coverage such as is afforded by this agreement but only with respect to operations performed by or on behalf of the Member Agency or facilities owned or used by the Member Agency. IV. WHAT MOPERM WILL NOT COVER(EXCLUSIONS) This memorandum does not apply: A. To liability arising out of the ownership, maintenance, use or operation of any airfield or similar aviation facility. B. To liability arising out of the ownership, maintenance, loading, unloading, use, or entrustment to others of owned, non- owned or hired aircraft. C. To liability arising out of the ownership, maintenance, loading, unloading, use, or entrustment to others of owned, non- owned or hired watercraft 1. Any watercraft owned or operated by or rented or loaned to any Covered Party; 2. Any other watercraft operated by any person in the course of his employment by any Covered Party; but this exclusion does not apply to watercraft while ashore on premises owned by, rented to or controlled by the Covered Party nor to watercraft under 26 feet in length. D. To any obligation for which the Covered Party, or any carrier as insurer therefor, may be held liable under any workers' compensation, unemployment compensation or disability benefits law or under any similar law. E. To liability for bodily Injury to any employee, elected or appointed official, members of any Boards or Commissions, or authorized volunteer of the Covered Party in connection with his or her duties for the Covered Party, except with respect to liability of others assumed by the Covered Party under contract. F. To liability of any employee, elected or appointed official, members of any Boards or Commissions, or authorized volunteer with respect to bodily injury of another employee, elected or appointed official, members of any Boards or Commissions, or authorized volunteer. G. To liability for property damage to: 1. Property owned or operated by the Covered Party; 2. Property rented to or leased to the Covered Party where the Covered Party has assumed liability under contract for damage to or destruction of such property, unless the Covered Party would have been liable in the absence of such contract; 3. Aircraft in the care, custody or control of the Covered Party;and 4. Property of others in the care,custody or control of the Covered Party. H. To any liability arising out of pollution,including but not limited to: 2 MDDO(Rm,1.16) 1. Investigation, settlement or defense of any threatened, actual or alleged claim, suit, damage or injury of any kind arising out of the actual, alleged or threatened discharge, exposure to, release or escape of pollutants anywhere in the world. 2. Loss, cost or expense arising out of any governmental direction or request that the Covered Party test for, monitor, clean up, remove,contain,treat,detoxify or neutralize the pollutants. 3. Any loss, cost or expense incurred by a governmental entity or other third party including the cost of investigation, monitoring and attorneys' fees, relating to activities in connection with efforts to test for, monitor, clean up, remove, contain,trace,detoxify or neutralize pollutants. Pollutants means any solid, liquid, gaseous or thermal contaminants, irritants or toxic substances including smoke, vapor, soot, fumes, acids,alkalis, air contaminants, minerals, metals, chemicals, waste and particulates including asbestos. Waste includes materials to be recycled, reconditioned or reclaimed. I. To liability arising out of or in connection with the operation of a hospital, clinic or established health care facility owned or operated by a Member Agency due to: 1. The rendering of or failure to render: a. Medical, surgical, dental, x-ray, nursing service or treatment, or the furnishing of food or beverages in connection therewith. b. Any treatment or service conducive to health or of a professional nature. c. Any cosmetic or tonsorial service or treatment. 2. The furnishing of or dispensing of drugs or medical,dental or surgical supplies or appliances. This exclusion shall not apply to ambulance service personnel or to registered nurses, licensed practical nurses, nurses' aides, emergency medical technicians, or paramedics directly employed by the Member Agency as specifically designated in the declarations and while acting(1)within the course and scope of their duties for, and(2) in furtherance of the official pursuits of,said designated Member Agency. J. To claims against those who are independent contractors of the Member Agency, its officers or employees. However,this exclusion shall not apply to Member Agencies acting as independent contractors. K. To claims for loss or damage arising out of or in connection with: 1. The principles of eminent domain, proceedings to condemn property or inverse condemnation by whatever name regardless of whether such daims are made directly against the Covered Party or by virtue of any agreement entered into by or on behalf of the Covered Party. 2. Any action, daim, or proceeding arising out of or involving zoning or land use, whether: 1) an administrative proceeding; 2) judicial review of an administrative decision including but not limited to a challenge to a statute, ordinance, regulation, procedure or decision on any grounds; or 3) an action seeking damages or any monetary recovery of any sort, including but not limited to attorney's fees, court costs and expenses, regardless of the legal theory or cause of action asserted. L. To past salary or wages due because of unlawful discrimination,violation of civil rightg or wrongful termination. M. To punitive and exemplary damages, damages for aggravating circumstances, fines or penalties threatened or imposed for violation of any civil or criminal statute,administrative regulation or county or municipal ordinance. N. To all losses, including penalties, fines, attorneys' fees and expenses assessed and/or incurred, resulting from or arising out of violations of the statutes or Constitution of the State of Missouri or county or municipal ordinances. O. To all claims or losses, including fines, forfeitures, penalties, attorneys' fees and expenses incurred and/or assessed, resulting or arising from charges brought by information or indictment alleging violations of(1)State or Federal criminal law; or(2) county or municipal ordinance defining, or imposing a penalty for, a felony, misdemeanor or infraction. P. To claims for fines,attomeys'fees and costs arising out of the enforcement provisions of Chapter 610, RSMo. Q. To proceedings for removal or impeachment from office or any Board or Commission; or for the determination of qualifications for office or of election contests;or for professional disciplinary action brought by a person, board, commission or other person or entity empowered by law to do so. 3 MM(Rw 1-16) R. To claims against any Member Agency, officer, employee, Board or Commission member of a Member Agency which were brought by or rendered in favor of that same Member Agency or officers, employees, Board or Commission members of that same Member Agency,acting in an official capacity. S. To injunctive relief or relief other than monetary damages. T. To claims for attorneys'fees, costs, expenses, or nominal damages arising from claims that otherwise seek injunctive relief or relief other than monetary damages. U. To claims or suits arising out of failure to effect or maintain proper insurance or bonds or to comply with the provisions of insurance contracts,policies or bonds. V. To all losses, including penalties, fines, attorneys' fees and expenses, resulting from or arising out of violations or claimed violations of the Fair Labor Standards Act or similar state statutes or local ordinances. V. To damages resulting from the refunding, levying, collecting or disbursement of taxes, fees or assessments or the failure to refund, levy,collect or disburse any tax,fee or assessment. W. To liability of a Covered Party (a) arising in whole or in part out of a Covered Party's obtaining remuneration or financial gain to which the Covered Party was not legally entitled or (b) arising out of the willful violation of the penal code or ordinance committed by or with the knowledge or consent of any Covered Party. X. To liability arising out of any bidding process, estimates of probable cost or cost estimates being exceeded or faulty preparation of bid specifications or plans including engineering or architectural plans. Y. To failure to perform,breach of or arising out of any breach of a contractual obligation whether oral or in writing. Z. To liability imposed under the Employee Retirement Income Security Act of 1974 or any law mandatory thereof or any similar law or liability arising out of fiduciary activities as respects employee benefit plans. AA. To claims resulting from or arising out of the proposed or actual increase of utility rates. BB. To liability: 1. With respect to which a Covered Party under the memorandum is also a Covered Party under a nuclear energy liability policy issued by Mutual Atomic Energy Liability Underwriters, American Nuclear Insurers, Nuclear Insurance Association of Canada or any successor organizations, or would be a Covered Party under any such policy but for its termination upon exhaustion of its limit of liability; or 2. Resulting from the hazardous properties of nuclear material and with respect to which (a) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof or (b) the Covered Party is, or had this memorandum not been issued would be, entitled to indemnity from the United States of America or any agency thereof, under any agreement entered into by the United States of America or any agency thereof,with any person or organization; or 3. Resulting from hazardous properties of nuclear material, if: a. The nuclear material (i) is at any nuclear facility owned by, or operated by or on behalf of a Covered Party or(ii) has been discharged or dispersed therefrom;or b. The nuclear material is contained in spent fuel or waste at any time possessed, handled, used, processed, stored,transported or disposed of by or on behalf of a Covered Party;or c. The bodily injury or property damage arises out of the furnishing by a Covered Party of services, materials, parts of equipment in connection with the planning, construction, maintenance, operation or use of any nuclear facility, but if such facility is located within the United States of America, its territories or possessions, or Canada, this exclusion c. applies only to property damage to such nuclear facility and any property thereat. As used in this exclusion: a. "Hazardous properties"include radioactive,toxic or explosive properties; b. "Nuclear material"means source material, special nuclear material,or by-product material; c. "Source material", "special nuclear material" and "by-product material" have the meaning given them in the Atomic Energy Act of 1954 or in any law amendatory thereof; 4 M8 (Rev.1-16) d. "Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a nuclear reactor; e. 'Waste" means any waste material (i) containing by-product material and (ii) resulting from the operation by any person or organization of any nuclear facility included within the definition of nuclear facility under paragraph (f)(i) or(ii)hereof; f. "Nuclear facility" means: (i) any nuclear reactor, (ii) any equipment or device designed or used for (as) separating the isotopes of uranium or plutonium, (bb)processing or utilizing spent fuel or(cc)handling, processing or packaging waste; (iii)any equipment or device used for the processing,fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the Covered Party at the premises where such equipment or device is located consists of or contains more than 25 grams of uranium m235; (iv) any structure, basin, excavation, premises or place prepared or used for the storage or disposal of waste; and (v) includes the site on which any of the foregoing is located, all operations conducted on such site, and all premises used for such operation; g. "Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material; h. "Property damage"includes all fors of radioactive contamination of property. CC. To liability caused directly or indirectly by, arising out of or resulting from oral or written publication of material, if done by or at the direction of the Member Agency with knowledge of its falsity. DD. To liability caused directly or indirectly by, arising out of or resulting from fungi or bacteria of any type regardless of the cause of the growth, proliferation or accretion. EE. To liability arising out of the ownership,maintenance, use or operation of any railroad yard,track,facility or equipment, other than trolley, streetcar, and similar "street railroad" (as the ter "street railroad" is defined by Section 386.020, RSMo) equipment and facilities for public use in the providing of local public transportation service upon the roads, streets, highways and public places in or adjacent to a Member Agency. FF. To liability arising out of the ownership, maintenance, use or operation of, loading, unloading, or entrustment to others of owned, non-owned,or hired trains or other railroad equipment. GG. To liability for Bodily Injury or Property Damage resulting from an act which is a violation of State or Federal criminal law, or county or municipal ordinance defining, or imposing a penalty for, a felony, misdemeanor or infraction, committed by any Covered Party. This exclusion applies even if: (1)such Covered Party lacks the mental capacity to for intent; (2)such Bodily Injury or Property Damage is of a different kind or degree than expected or intended; or(3)such Bodily Injury o r Property Damage is sustained by a different person,or persons,other than expected or intended. This exclusion applies whether or not the Covered Party is charged or convicted of a violation of State or Federal criminal law,County or Municipal Ordinance. HH. To liability of any Law Enforcement officer of the Member Agency with arrest authority who is not P.O.S.T. (Peace Officer Standards&Training)Commission licensed. ll. To methamphetamine officers who have not completed training and/or received proper certification. JJ. To liability resulting from or arising out of the activities of any member of a K-9 unit that has not completed training and/or received proper certification. KK. To liability for daycare operations that are required, but fail,to be appropriately licensed. LL. To liability resulting from or arising out of a fireworks display not directly supervised by a qualified pyrotechnician. MM. Any wrongful act or omission by a Covered Party, which results in Bodily Injury or Property Damage which is reasonably expected or intended by the Covered Party. V. WORDS AND PHRASES WITH SPECIAL MEANING As used in this Memorandum of Coverage, the Memorandum of Coverage Declarations and all Fors and Endorsements annexed to the Memorandum of Coverage,the following words and phrases shall mean: Aircraft means a vehicle designed for the transport of persons or property primarily in the air; provided, however, that an unmanned aircraft of a total weight of 55 pounds or less operated by a Member Agency or by a Covered Party on behalf of a 5 MgpRay.1.16) Member Agency (1) in furtherance of the official pursuits of the Member Agency; and (2) within the course and scope of the Covered Party's duties; and (3) in compliance with all applicable federal, state and local statutes, rules, regulations and ordinances;shall not be construed to be an"aircraft"for purposes of this Memorandum of Coverage. Automobile means a land motor vehicle or trailer licensed for highway use. Automobile Liability means liability for bodily injury or property damage that results from the negligent acts or omissions by a Covered Party arising out of the operation of an automobile within the course and scope of the Covered Party's duties. Authorized Volunteer means an individual who renders any service at the direction of and directly for the benefit of the Member Agency (as designated in the Declarations) without expectation of receiving a wage or salary, and shall include unpaid officers and Board or Commission members of any Member Agency. Bodily injury means physical injury, sickness, disease, disability or death sustained by a person and includes any resulting mental injury,emotional distress,shock or loss of services. Covered Party means any person or entity set forth in Section 111 of this memorandum. Defense costs means all fees and expense caused by and relating to the adjustment, investigation, defense or litigation of a claim including attomeys'fees,court costs and interest on judgments accruing after entry of judgment. Defense costs shall not include the office expenses of the Covered Party or the salaries of employees or officials of any Covered Party. Employee means an individual who receives wages or salary directly from the Member Agency (as designated in the Declarations)for work performed at the direction of and directly for the benefit of the Member Agency. Employment Practices Liability means liability claimed by or on behalf of an Employee or former Employee of a Member Agency or an applicant for employment by a Member Agency resulting from violation of the Employee's, former Employee's, or applicants legal right(s)as an Employee or former Employee of, or applicant for employment by,the Member Agency. Fungi means any type or forth of fungus, including mold or mildew, and any mycotoxins, spores, scents or by-products produced or released by fungi. General Liability means liability that results from any claim or cause of action described in Section I.A.2 of this Memorandum of Coverage, INCLUDING claims or causes of action not subject to the foregoing Exclusions for(a) libel, slander or defamation of character, (b) invasion of privacy; (c) wrongful entry or eviction, or other invasion of the right of private occupancy; (d) assault and battery; and(e)discrimination prohibited by law or violation of federal civil rights laws; but which are not claims or causes of action for liability specifically defined by this Memorandum of Coverage as Automobile Liability, Employment Practices Liability,Law Enforcement Liability,Healthcare Malpractice Liability,or Public Officials Errors and Omissions Liability. Healthcare Malpractice Liability means liability of a registered nurse, licensed practical nurse, nurses' aide, emergency medical technician, paramedic or ambulance service personnel, but not liability of the Member Agency, for bodily injury or property damage resulting from the improper, unskilled, or negligent care or treatment of a patient by the registered nurse, licensed practical nurse, nurses' aide, emergency medical technician, paramedic or ambulance service personnel, directly employed by the Member Agency as specifically designated in the declarations and while acting (1)within the course and scope of their duties for said designated Member Agency, and (2)in furtherance of the official pursuits of the Member Agency. Hired automobile means an automobile used under contract on behalf of or loaned to the Member Agency provided such automobile is not owned by or registered in the name of (1) the Member Agency or (2) an employee or servant of the Member Agency. Law Enforcement Liability means liability that results from an act while conducting any official activity or operation(s) of a Member Agency's police department, sheriff agency or other public safety organization that enforces the law and protects persons and/or property from breaches of the law. Member Agency means the local public agency designated in the declarations and shall not include any other entity or agency under which said designated Member Agency may do business unless specifically included in the declarations. MOPERM means the Missouri Public Entity Risk Management Fund. Non-owned automobile means an automobile not owned by or registered in the name of, hired by, leased or rented by, or loaned to the Member Agency. Occurrence means an accident during the coverage period, or an event that first occurs during the coverage period, or continuous, intermittent or repeated exposure to conditions that commence during the coverage period, any of which accidents, events or exposures causes Bodily Injury or Property Damage neither expected nor intended by the Covered Party. All bodily injuries or property damages arising out of continuous or repeated exposure to substantially the same general condition shall be considered as arising out of one Occurrence. Bodily Injury or Property Damage that results from an act 6 MWWR.v 1-16) that is intended by the Covered Party to cause Bodily Injury or Property Damage is not an injury or damage that is neither expected nor intended. Owned Automobile means an automobile owned by or under a lease of 30 days or more to the Member Agency. Property Damage means (a) physical injury to or destruction of tangible property, including the loss of use thereof at any time,or(b)loss of use of tangible property which has not been physically injured or destroyed. Public Officials Errore and Omissions Liability means liability that occurs as a result of a breach of duty by the Covered Party resulting from the Covered Party's actual or perceived negligent action or inaction, mistake, misstatement, error, neglect, inadvertence or omission by the Covered Party in the course and scope of the Covered Party's duties with the Member Agency; but does not include(1)Bodily Injury or Property Damage that results from an act that is intended by the Covered Party to cause Bodily Injury or Property Damage;or(2)claim by a Member Agency against a Covered Party who is an official or an employee of the Member Agency. Ultimate Net Loss means the sum actually paid or payable in cash in the settlement or satisfaction of losses, for which the Covered Party is liable either by (1) adjudication or (2) compromise with the written consent of MOPERM, after making proper deduction for all recoveries and salvages collectible. Ultimate Net Loss does not include Defense Costs. MOPERM's obligation to pay any Ultimate Net Loss shall under no circumstances exceed the amount of MOPERM's Limit of Liability. Use of an automobile includes the loading and unloading thereof. Watercraft means a vehicle designed for the transport of persons or property primarily in or on water. VI. CONDITIONS A. Coverage Dependent on Application/Payment for, and Extension of,Coverage. Coverage for any liability provided by this Memorandum of Coverage shall be subject to and conditioned upon (1) application by the Member Agency for coverage of that particular liability; (2)agreement by MOPERM to extend coverage for that specific liability to the Member Agency; and (3)payment by or on behalf of the Member Agency(or entry by the Member Agency and MOPERM into a payment agreement prior to the Occurrence) for coverage of that specific liability of the full contribution assessed by MOPERM for that coverage. B. Deposit/Adjustment. All deposits and retrospective adjustments in connection with this Memorandum of Coverage shall be computed in accordance with the rating plans developed by MOPERM. C. Inspection and Audit MOPERM shall be permitted but not obligated to inspect the Member Agency's property and operations at any time. MOPERM may examine and audit the Member Agency's books and records at any time prior to cessation of the Member Agency's financial obligations under MOPERM's rating plan. D. Covered Party's Duties in the Event of Occurrence,Claim or Suit 1. In the event of an occurrence, written notice containing particulars sufficient to identify the Covered Party and also reasonably obtainable information with respect to the time, place and circumstances thereof, and the names and addresses of the injured and of available witnesses,shall be given by or for the Covered Party to MOPERM or any of its authorized agents as soon as practicable. 2. If claim is made or suit brought against the Covered Party, the Covered Party shall immediately forward to MOPERM every demand,notice,summons or process received. 3. The Covered Party shall cooperate with MOPERM and, upon MOPERM's request,assist in making settlements, in the conduct of suits and in enforcing any right of contribution or indemnity against any person or organization who may be liable to the Covered Party because of injury or damage with respect to which coverage is afforded under this memorandum; and the Covered Party shall attend hearings and trials and assist in securing and giving evidence and obtaining the attendance of witnesses. The Covered Party shall not, except at the Covered Party's cost, voluntarily make payment, assume any obligation or incur any expense other than for first aid or damage mitigation. 4. MOPERM shall not be liable for occurrences, suits or claims in which the Member Agency fails to comply with this Subsection C. E. Action Against MOPERM. No action shall lie against MOPERM unless, as a condition precedent thereto, there shall have been full compliance with all of the terms of this memorandum, nor until the amount of the Covered Party's obligation to pay shall have been finally determined either by judgment against the Covered Party after actual trial or by written agreement of the Covered Party,the claimant and MOPERM. Any person or organization or the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this memorandum to the extent of the coverage afforded by this memorandum. 7 M900(Rw 1-10) No person or organization shall have any right under this memorandum to join MOPERM as a party to any action against Covered Party to determine the Covered Partys liability, nor shall MOPERM be impleaded by the Covered Party or the Covered Partys legal representative. Bankruptcy or insolvency of the Covered Party or of the Covered Party's estate shall not relieve MOPERM of any of its obligations hereunder. F. Other Coverage. The coverage afforded in this memorandum shall be excess of and not contribute with any other valid and collectible coverage,other than any excess or umbrella coverage procured by MOPERM or the Member Agency. G. Multiple Coverage Periods. An occurrence with a duration of more than one coverage period shall be treated as a single occurrence arising during the coverage period when the occurrence begins. H. Subrogation. In the event of any payment under this memorandum, MOPERM shall be subrogated to all the Covered Party's rights of recovering therefor against any person or organization and the Covered Party shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights. The Covered Party shall do nothing after loss to prejudice such rights. I. Withdrawal/Cancellation. MOPERM may cancel the Member Agencys participation in MOPERM for non-payment of any contribution, assessment, deposit, retrospective adjustment or any other receivable, whether in whole or part, with 10 days' advance written notice. J. Changes. This memorandum shall not be changed except by written endorsement hereto. K. Increase in Hazard. Unless otherwise provided in writing added hereto, MOPERM shall not be liable for loss occurring while hazards are increased by any means within the control or knowledge of the Member Agency. L. Assessments. If contributions received by MOPERM in any year do not produce sufficient funds to pay claims which are due for that year, the Member Agency shall be subject to an assessment. This condition shall also apply to any Member Agency who has withdrawn from MOPERM but was a Member Agency during any portion of the year for which the assessment is required. M. Refunds. If contributions received by MOPERM in any fiscal year produce an ending balance exceeding projected needs and adequate reserves, the Member Agency may, at the discretion of the Board of Trustees, be paid a refund. 8 M900(Re.1-16) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBER AGENCY: INTERESTED PARTY: CITY OF RIVERSIDE COLONIAL PACIFIC LEASING CORPORATION 2950 NW VIVION RD 300 E JOHN CARPENTER FREEWAY STE 200 RIVERSIDE MO 64150 IRVING TX 75062 Memorandum Coverage Period: 12:01 a.m.1-1-2016 to 12:01 a.m.1-1-2017 Memorandum Number: 1002 Policy Number: LP-1002-201601 Coverages are provided subject to the terms and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section 11 of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. Comprehensive Form including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS:Additional Covered Party DESCRIPTION: Bobcat S250 Serial No.A5GM35812. Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Party shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 By: Date: 12-1-2015 M602A(Ed.11-15) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBERAGENCY: INTERESTED PARTY: CITY OF RIVERSIDE INTERCONTINENTAL ENGINEERING 2950 NW VIVION RD MANUFACTURING CORPORATION RIVERSIDE MO 64150 PO BOX 9055 RIVERSIDE MO 64168 Memorandum Coverage Period: 12:01 a.m. 1-1-2016 to 12:01 a.m.1-1-2017 Memorandum Number: 1002 Policy Number: LP-1002-201601 Coverages are provided subject to the terms and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. Comprehensive Form including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS:Additional Covered Party DESCRIPTION: But only with resp q to the activities for or on behalf of the Member Aceng,as set forth in the Missouri Riverflont Trail agreement.Other Additional CpveirE�drPra r t'es Oils eerside-Oumdaro Bend Levee District P.O.Box 16688 Platte City MO 64079;Damon Pursel Construct on Company 300 N.Church Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Party shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 By: Date: 12-1-2015 �� "` M602A(Ed.11-15) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBER AGENCY: INTERESTED PARTY: CIN OF RIVERSIDE DAMON PRUSELL CONTRUCTION CO 2950 NW VIVION RD 300 N CHURCH RD RIVERSIDE MO 64150 LIBERTY MO 64068 Memorandum Coverage Period: 12:01 a.m.1-1-2016 to 12:01 a.m.1-1-2017 Memorandum Number: 1002 Policy Number: LP-1002-201601 Coverages are provided subject to the terms and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. Comprehensive Forth including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS:Additional Covered Party DESCRIPTION: a B�u�t onl�r W resp r<t to the activities f2r or on behalf of the M mbar Aaen44vv as selyt forth in the Missoud RiveAramn rail a oneCom.�r Additi nal RdcelJ artiea rside- uindaro Bend Levee istnct P.(�.Box 168 Ptabe i MO 64079;Damon Purse C Company 300 N.CRurch 64 Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Party shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 By: Date: 12-1-2015 (Ed. 11-15) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBER AGENCY: INTERESTED PARTY: CITY OF RIVERSIDE MISSOURI AMERICAN WATER CO 2950 NW VNION RD 101 E IST ST RIVERSIDE MO 64150 PARKVILLE MO 64152 Memorandum Coverage Period: 12:01 a.m.1-1-2016 to 12:01 a.m.1-1-2017 Memorandum Number: 1002 Policy Number: LP-1002-201601 Coverages are provided subject to the terms and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section It of the Memorandum of Coverage. Comprehensive Form including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS:Additional Covered Party DESCRIPTION: But only with respect to the water storage facility owned by the Member Agency and leased to the above Interested Parry. Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Party shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 B �y: Date: 12-1-2015 M602A(Ed.11-15) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBER AGENCY: INTERESTED PARTY: CITY OF RIVERSIDE RIVERSIDE-QUINDARO BEND LEVEE DISTRICT 2950 NW VIVION RD ATfN MIKE MCGINNESS ESQ RIVERSIDE MO 64150 PO BOX 168 PLATTE CITY MO 64079 Memorandum Coverage Period: 12:01 a.m.1-1-2016 to 12:01 a.m.1-1-2017 Memorandum Number: 1002 Policy Number: LP-1002-201601 Coverages are provided subject to the terms and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. Comprehensive Form including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS:Additional Covered Parry DESCRIPTION: But only with respect to the activities for or on behalf of the Member Agency as set forth in the Missouri Riverfmnt Trail agreement.Other Additional Covered Parties: P8rro�ntingeOr�Engineering-Manufacturing Corporation Riverside MO 64168 Damon�ursell ppnstmction Company 300 N. hurch tl. Liberty MO 64068 Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Party shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 By: Date: 12-1-2015 M602A(Ed. 11-15) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBER AGENCY. INTERESTED PARTY: CITY OF RIVERSIDE THE MISSOURI GAMING COMPANY 2950 NW VIVION RD DBA ARGOSY RIVERSIDE CASINO RIVERSIDE MO 64150 777 ARGOSY PARKWAY RIVERSIDE MO 64150 Memorandum Coverage Period: 12:01 a.m. 1-1-2016 to 12:01 a.m.1-1-2017 Memorandum Number: 1002 Policy Number: LP-1002-201601 Coverages are provided subject to the terms and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. Comprehensive Form including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS:Additional Covered Party DESCRIPTION: But ontyIv with res eq`to the activiti for or on bah If of the Member Agency in regards to the License Agreement to install and maintain an antenna and base stalior�on the rooftop of I e Interested f�artys asmo. Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Parry shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 0 By: Date: 12-1-2015 M602A(Ed.11-15) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBER AGENCY: INTERESTED PARTY: CITY OF RIVERSIDE ACA FINANCIAL GUARANTY 2950 NW VIVION RD 600 5TH AVENUE 2ND FLOOR RIVERSIDE MO 64150 NEW YORK NY 10020 Memorandum Coverage Period: 12:01 a.m.1-1-2016 to 12:01 a.m.1-1-2017 Memorandum Number: 1002 Policy Number: LP-1002-201601 Coverages are provided subject to the terms and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section It of the Memorandum of Coverage. Comprehensive Form including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS:Additional Covered Party DESCRIPTION: BUT ONLY WITH RESPECT TO THE ACTIVITIES FOR OR ON BEHALF OF THE MEMBER AGENCY. Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Party shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 By: Dale: 12-1-2015 M602A(Ed.11-15) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBER AGENCY INTERESTED PARTY: CITY OF RIVERSIDE STEVE ORR 2950 NW VIVION RD 5250 BLUFF CIRCLE RIVERSIDE MO 64150 PARKVILLE MO 64152 Memorandum Coverage Period: 12:01 a.m.1-1-2016 to 12:01 a.m.1-1-2017 Memorandum Number: 1002 Policy Number: LP-1002-201601 Coverages are provided subject to the terms and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. Comprehensive Form including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS: Liability Proof of Coverage DESCRIPTION: But only with reg$ecl the the acOvities for or on pehaH of the Member poen%regarding coverage for the medical director in an'administrative'capacity only y active es m a clinical capacity are excluded under this MemoTancum bt Coverage. Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Parry shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 By: Date: 12-1-2015 M602A(Ed.11-15) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBER AGENCY: INTERESTED PARTY: CITY OF RIVERSIDE KANSAS STATE BANK 2950 NW VMON RD PO BOX 69 RIVERSIDE MO 64150 1010 WESTLOOP MANHATTAN KS 66505-0069 Memorandum Coverage Period: 12:01 a.m.1-1-2016 to 12:01 a.m.1-1-2017 Memorandum Number: 1002 Policy Number. LP-1002-201601 Coverages are provided subject to the terms and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. Comprehensive Form including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS:Additional Covered Party DESCRIPTION: Bobcat E35 Fxcff for Serial No.ARIK12227 Bobcat S650 SkidSteer Loader Serial No.AL1816074 Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Party shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 By: Date: 12-1-2015 M602A(Ed.11-15) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBER AGENCY INTERESTED PARTY: CITY OF RIVERSIDE UMB BANK NA 2950 NW VIVION RD CIO BRENT KEEP RIVERSIDE MO 64150 2401 GRAND AVE STE 200 KANSAS CITY MO 64108 Memorandum Coverage Period: 12:01 a.m. 1-1-2016 to 12:01 a.m.1-1-2017 Memorandum Number: 1002 Policy Number: LP-1002-201601 Coverages are provided subject to the terms and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. Comprehensive Form including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS:Additional Covered Party DESCRIPTION: But onwith rea ct to the activities for or on behalf of the Member Agency regarding the Industrial Development Authority and the activities assoc ted with the Bond Series 2007 related to the Mortgaged Prop Agency Adding nal Interested Party: ACA Finan aI GGuaranty Corporation Attn:SurvesiaYnce NewBYrork N' 100051oor Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Party shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 By: Date: 12-1-2015 �/ M602A(Ed.11-15) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBER AGENCY: INTERESTED PARTY: CITY OF RIVERSIDE BNSF RAILWAY COMPANY 2950 NW VIVION RD PO BOX 140528 RIVERSIDE NO 64150 KANSAS CITY MO 64114 Memorandum Coverage Period: 12:01 a.m.1-1-2016 to 12:01 a.m.1-1-2017 Memorandum Number. 1002 Policy Number: LP-1002-201601 Coverages are provided subject to the terms and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. Comprehensive Form including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS:Additional Covered Party DESCRIPTION: But onlIyv w,0 i respect to the activities for or on behalf of the Member Agnvy aardin9 the Zeke Road Crossing Coverage is co sidere urima Right df Subrog9bon has n t been waived. coveragqe exterWa wiMin 30 feet of the rSilroad property.Thirty tlays written notice of can 8tion shall be provided to the Railway at ttt above shown addres8. Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Party shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 By: Date: 12-1-2015 M602A(Ed. 11-15) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBER AGENCY: INTERESTED PARTY: CITY OF RIVERSIDE BNSF RAILWAY COMPANY 2950 NW VIVION RD PO BOX 140528 RIVERSIDE MO 64150 KANSAS CITY MO 64114 Memorandum Coverage Period: 12:01 a.m. 1-1-2016 to 12:01 a.m. 1-1-2017 Memorandum Number: 1002 Policy Number: LP-1002-201601 Coverages are provided subject to the terns and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section 11 of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. Comprehensive Form including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS:Additional Covered Party DESCRIPTION: But on with re5ue to the activities for or n behalf of Me MempVr,q�encv r¢9ardinSl the Pipeline Agreement.Coverage is considered p'dma . Subro anon npl5is ave not been waived.Covveerraa a extends within 50 feet of me railFoad property Thinly days written notice of cance1100on shall be provid d to the Rai y at the above shown atltlregsI Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Party shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 �aO By: ` Date: 12-1-2015 D6� M602A(Ed.11-15) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBER AGENCY: INTERESTED PARTY: CITY OF RIVERSIDE SUGAR CREEK RANGE 2950 NW VIVION RD 1801 COURTNEY RIVERSIDE MO 64150 SUGAR CREEK MO 64054 Memorandum Coverage Period: 12:01 a.m.1-1-2016 to 12:01 a.m.1-1-2017 Memorandum Number: 1002 Policy Number: LP-1002-201601 Coverages are provided subject to the terms and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. Comprehensive Form including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS: Liability Proof of Coverage DESCRIPTION: Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Party shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 By. Date: 112-1.-2015 M602A(Ed.11-15) MOPERM STATEMENT OF LIABILITY COVERAGE MEMBER AGENCY: INTERESTED PARTY: CITY OF RIVERSIDE KANSAS STATE BANK 2950 NW VIVION RD PO BOX 69 RIVERSIDE MO 64150 1010 WESTLOOP MANHATTAN KS 66505 Memorandum Coverage Period: 12:01 a.m.1-1-2016 to 12:01 a.m.1-1-2017 Memorandum Number: 1002 Policy Number: LP-1002-201601 Coverages are provided subject to the terms and conditions of the Memorandum of Coverage and Memorandum of Coverage Declarations issued to the Member Agency. Limit is not subject to an annual aggregate. Coverages may include: GENERAL LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. AUTOMOBILE LIABILITY$2,000,000 PER OCCURRENCE as set forth in Section II of the Memorandum of Coverage. Comprehensive Form including: • Public Officials Errors&Omissions Liability • Employment Practices Liability • Healthcare Malpractice • Law Enforcement Liability • Owned,Non Owned or Hired Automobiles THE INTERESTED PARTY SHOWN ABOVE IS INCLUDED AS:Loss Payee DESCRIPTION: Bobcat E35 Excavator Serial No AR1 K12227 Bobcat S650 Skid Steer Loader Serial No AL1816074 Should the above described memorandum be cancelled before the expiration date thereof,MOPERM will endeavor to mail written notice to the Interested Party shown above,but failure to mail such notice shall impose no obligation or liability of any kind upon MOPERM or its representatives. Issued by Missouri Public Entity Risk Management Fund(MOPERM).P.O.Box 7110,Jefferson City,MO 65102 By: � Dale: 12-1-2015 M602A(Ed.11-15) MISSOURI AUTOMOBILE INSURANCE IDENTIFICATION CARD AMMM Missouri Public Entity Risk Management Fund P.O.Box 7110 Jefferson City,MO 65102-7110 The coverage provided by this policy meets the minimum liability limits prescribed by law. POLICY NUMBER EFFECTIVE DATE EXPIRATION DATE LP-1002-201601 1-1-2016 1-1-2017 VEHICLE DESCRIPTION Fleet CITY OF RIVERSIDE 2950 NW VIVION RD RIVERSIDE MO 64150 MISSOURI AUTOMOBILE INSURANCE IDENTIFICATION CARD M MW Missoud Pudic Entity Risk Management Fund P.O.Box 7110 Jefferson City,MO 65102-7110 The coverage provided by this policy meets the minimum liability limits prescribed by law. POLICY NUMBER EFFECTIVE DATE EXPIRATION DATE LP-1002-201601 1-1-2016 1-1-2017 VEHICLE DESCRIPTION Fleet CITY OF RIVERSIDE 2950 NW VIVION RD RIVERSIDE MO 64150 MISSOURI AUTOMOBILE INSURANCE IDENTIFICATION CARD Missoud Public Entiy,Risk Management Fund P.O.Box 7110 Jefferson City,MO 65102-7110 The coverage provided by this policy meets the minimum liability limits prescribed by low. POLICY NUMBER EFFECTIVE DATE EXPIRATION DATE LP-1002-201601 1-1-2016 1-1-2017 VEHICLE DESCRIPTION Fleet CITY OF RIVERSIDE 2950 NW VIVION RD RIVERSIDE MO 64150