1. Humboldt County Insurance Proposal Wells Fargo Insurance Services Confidential. © 2006 Wells Fargo Insurance Services. All rights reserved. By: Stephen B Romero

2. 2 With this renewal the Pool is entering into its 27 th year of existence, clearly demonstrating the long- standing value of membership and commitment to pooling. The Pool has grown from the original 4 members, starting May 15, 1987, to 114. The Pool consists of 14 counties, 12 cities, 15 school districts and 73 towns and special districts throughout Nevada. The Public Agency Compensation Trust (PACT) is entering its 18 th year of providing Worker’s Compensation for Member entities. POOL/PACT Program Highlights

3. 3 Membership in the Nevada Public Agency Insurance Pool provides each member with a wide range of services and financial risk management. The material included in this proposal provides you with a description of services, resources, programs and products as well as a program overview. POOL/PACT may award its members a Grant to assist with risk management needs including training, attending conferences, OSHA or other requirements, employee safety. Highlight – cont.

4. 4 Humboldt County Premium Comparison 2009 -- 20102010--20112011--20122012--20132013--20142014--2015 POOL LOSS FUNDIncluded INS./ADM COSTS 497,953.30519,257.85548,217.76524,515.35544,555.44512,289.67 TOTAL COSTS 497,953.30519,257.85548,217.76524,515.35544,555.44512,289.67 ADDITIONAL POLICIES NOT INCLUDED IN ABOVE Treasurer's Bond @ $500,000Landfill Financial Assurance Program Policy Period:01/01/14--15 Policy Period07/01/99--49 Annual Premium:$1,750.00no change15 AnnualLast installment 2014 Non-Owned Aircraft LiabilityInstall. @$60,338.00 Policy Period:01/17/14--15 Worker's Compensation Program (PACT) Annual Premium:$1,895.00no changePolicy Period07/01/14--15 Denio Airstrip LiabilityMod.Factor0.73 Policy Period:07/01/14-15Prior Yr. Mod.0.81 Annual Premium:$1,235.00no change Premiums are based on actual Payroll

5. 5 The maintenance deductible is $2,000. There was an approximate decrease in the renewal premium of 6.3%. The rates over all Pool members remained close to flat over the expiring year and any premium changes came from the entities exposure. Error on the proposal, Earthquake and Flood limited are increased to $125,000,000. PACT rates increased by 3.2% over last year and the Police/Fire Heart funding has increased 10% to adjust for the long term actuarial projections. Our industry has seen between a 0% - 5% increase in all lines of coverage on the commercial insurance rates. We are still seeing a hard market to place high limits of Earthquake. Humboldt County

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