Slide 2 Exposure to Loss Slide 3 Slide 4 Slide 5 What are we
doing? (What is the increased exposure?) What do we get out of it?
(Is it worth it?) What is the likelihood of loss? (frequency) How
bad is bad if it happens? (severity) How would this impact my SIR
or Deductible? Slide 6 How would this impact my renewals?
(Liability and Workers Compensation) What are the politics
involved? What arms of my entity will be affected? Are we compelled
to enter. (contract of adhesion) Slide 7 What is the Best type of
Claim to have? What is the purpose? So what type of Indemnity do I
need or should negotiate toward? Slide 8 How Much is Covered? Three
or Four Types (Breadth of Responsibility) Broad Form Intermediate
Form Limited Form Comparative Form (Vicarious Liability) To the
fullest extent permitted by law, Contractor agrees to indemnify,
defend, and hold harmless Owner (and list) from any and all
claims... including claims alleged to have arisen from the sole
negligence of Owner or its officers, employees, agents, or any
other for which Owner may be liable. Slide 9 H OW M UCH IS C OVERED
? Three or Four Types (Breadth of Responsibility) Broad Form
Intermediate Form Limited Form Comparative Form (Vicarious
Liability) Contractors Negligence Others Negligence Joint
Negligence Indemnitees Sole Negligence Slide 10 H OW M UCH IS C
OVERED ? To the fullest extent permitted by law, Contractor agrees
to indemnify, defend, and hold harmless Owner (and list) from any
and all claims... Contractors obligation shall not extend to the
sole negligence of Owner or its officers, employees, agents, or any
other for which Owner may be liable. Three or Four Types (Breadth
of Responsibility) Broad Form Intermediate Form Limited Form
Comparative Form (Vicarious Liability) Slide 11 H OW M UCH IS C
OVERED ? Contractors Negligence Others Negligence Joint Negligence
Indemnitees Sole Negligence Three or Four Types (Breadth of
Responsibility) Broad Form Intermediate Form Limited Form
Comparative Form (Vicarious Liability) Slide 12 H OW M UCH IS C
OVERED ? To the extent permitted by law, Contractor agrees to
indemnify, defend, and hold harmless Owner (and list) from any and
all claims... Contractors obligation shall not extend to the
negligence of Owner or its officers, employees, agents, or any
other for which Owner may be liable. Three or Four Types (Breadth
of Responsibility) Broad Form Intermediate Form Limited Form
Comparative Form (Vicarious Liability) Slide 13 H OW M UCH IS C
OVERED ? Contractors Negligence Others Negligence Joint Negligence
Three or Four Types (Breadth of Responsibility) Broad Form
Intermediate Form Limited Form Comparative Form (Vicarious
Liability) Slide 14 H OW M UCH IS C OVERED ? Three or Four Types
(Breadth of Responsibility) Broad Form Intermediate Form Limited
Form Comparative Form (Vicarious Liability) To the extent permitted
by law, Contractor agrees to indemnify, defend, and hold harmless
Owner (and list) from any and all claims, but only to the extent of
Contractors negligence or that of Contractors officers, agents,
employees, or of any other person or entity for which Contractor is
liable. Slide 15 Contractors Negligence Others Negligence Three or
Four Types (Breadth of Responsibility) Broad Form Intermediate Form
Limited Form Comparative Form (Vicarious Liability) H OW M UCH IS C
OVERED ? Slide 16 C OMMON A PPLICATIONS Broad Form IT / Internet
Access Security Limited Form Improvement to Land Design /
Construction Medical / Professional Intermediate Form General
Services Comparative Form Mutual Indemnification Between Public
Agencies Slide 17 What and how much? Who? 1. Municipal, State or
County Government? 2. Private entity? How much insurance does the
State require of us? Slide 18 Slide 19 Exposure to Loss Slide 20
Slide 21
