CERTIFICATE OF INSURANCE: WHAT DOES IT REALLY MEAN?

CERTIFICATE OF INSURANCE:

WHAT DOES IT REALLY MEAN?

Mark Gaskamp CSP, CRM, ARM, CIC, CPCU

Sr. Vice President - Risk Management

Mark.Gaskamp@



Who Cares About Insurance?

?

?

?

?

?

?

Other than me¡­

Owners/ Landlords

Tenants

Developers

Lenders

Who else?

Why?

YOU!

2

Goal Today

? Better Understand the Insurance

Products & Process

? Know Enough to Know When to Ask

What insurance questions

do you have?

3

The Solution¡­

Good Agreements

& Good Insurance

4

Insurance Coverages- ¡°Casualty¡±

Umbrella/ Excess Liability

Carrier

$5 M

Workers¡¯

Compensation

Carrier

Statutory

Occupational

Limits

Accident?

Employers

Liability

Carrier

$1MM

General

Liability

Auto

Liability

Liquor

Liability

Pollution

Liability

Carrier

$1M/ $2M

$2M

Carrier

$1M

Carrier

$1MM

Carrier

$1MM

Deductible:

$

Deductible:

$

Deductible:

$

Deductible:

$

5

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