2021-22 Exhibit_G_Pollution
2021-22 Property/Liability Coverage Documents T. 800.537.7790
Special District Risk Management Authority F. 916.231.4111 Rev. 07/01/2021 www.sdrma.org
Pollution Liability Coverage
Exhibit G
Ironshore Specialty Insurance Company
Policy No. ISPILLSCAZ0U001
SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE BOUND CHANGES FOR THE 2021-2022 POLICY TERM
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 1 of 20
Special District Risk Management Authority (SDRMA)
Coverage 2020-2021 2021-2022 Bound Changes
Pollution Liability
Policy Term July 1, 2020 to July 1,2021 July 1, 2021 to July 1,2022
Retroactive Date
July 1, 2011 for existing insureds included on
the 2011-2012 policy at inception; For all other
insureds the retroactive date is the date of
addition to the Program.
•July 1, 2011 for Waste Disposal;
•July 1, 2021 for Products Pollution and Exposure
Liability;
•July 1, 2021 for Contractor’s Pollution
•July 1, 2021 for Mold Matter
•July 1, 2011 Disinfection Event
This coverage shall only apply if the Pollution Incident or
Disinfection Event giving rise to the Claim, Loss, Business
Interruption Expenses or Extra Expenses commenced, in
its entirety, on or after July 1, 2011, or the date that the
Insured first joined the Alliant Property Insurance Program
(APIP) for environmental or pollution insurance coverage,
whichever is later.
Company Interstate Fire & Casualty Insurance Company Ironshore Specialty Insurance Company
A.M. Best Insurance
Rating
A+, Superior, Financial Category XV
($2 Billion or greater)
Effective September 5, 2019
A, Excellent, Financial Category XV
($2 Billion or greater)
Effective June 26, 2020
Standard and Poors
Rating AA (Very Strong) as of May 30, 2019 A (Strong) as of November 25, 2020
Covered Property
Covered locations include any real property
owned, managed, leased, maintained or
operated by the Insured at policy inception.
Covered locations also include any subsurface
potable water, wastewater or storm water pipes
that are located within a one thousand (1,000)
foot radius of such covered location as of policy
inception.
Covered locations include any real property owned,
leased, rented, operated or occupied by the Insured at
policy inception. Covered locations also include any
subsurface potable water, wastewater or storm water
pipes to or from a covered property that are located within
a one thousand (1,000) foot radius of such covered
location as of policy inception.
SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE BOUND CHANGES FOR THE 2021-2022 POLICY TERM
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 2 of 20
Special District Risk Management Authority (SDRMA)
Coverage 2020-2021 2021-2022 Bound Changes
Sub-limits:
N/A
N/A
$ 250,000
$ 500,000
N/A
N/A
N/A
N/A
N/A
N/A
Per Named Insured Crisis
Management Response
Costs Sublimit
Per Named Insured Crisis
Management Response
Aggregate
$ 100,000
$ 100,000
$ 250,000
$ 250,000
$ 500,000
$ 1,000,000
$ 1,000,000
$ 2,000,000
$ 2,000,000
$ 5,000,000
Disinfection Event Expenses Per
Pollution Incident*
Disinfection Event Expenses Coverage
Aggregate*
Image Restoration Expenses Per
Pollution Incident*
Image Restoration Expenses Aggregate*
Mold Matter Aggregate (K-12 Schools
Only, per School)*
Restoration Costs Aggregate (Mold
Matter Only)*
Legionella Per Pollution Incident*
Sewer Backup or Overcharge Per
Pollution Incident*
Products Pollution and Exposure Liability
Per Pollution Incident*
Products Pollution and Exposure Liability
Aggregate*
N/A
$ 100,000
$ 50,000
Per Named Insured Per
Pollution Incident Dedicated
Legal Defense Sub-limit*
Per Named Insured Crisis
Management Loss Sub-limit
$ 250,000
No Coverage
No Coverage
Per Claim for Any Punitive, Exemplary
and Multiplied Damages and Civil Fines,
Penalties and Assessments Fines*
N/A
N/A
N/A
$ 1,000,000
$ 2,000,000
$ 5,000,000
Contractor’s Pollution Per Pollution
Incident - Herbicide, Insecticide,
Pesticide Applications Only*
Contractor’s Pollution Per Pollution
Incident - Herbicide, Insecticide,
Pesticide Applications Only*
Contractor’s Pollution Per Pollution
Incident - All other Operations*
Contractors Pollution Aggregate*
SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE BOUND CHANGES FOR THE 2021-2022 POLICY TERM
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 3 of 20
Special District Risk Management Authority (SDRMA)
Coverage 2020-2021 2021-2022 Bound Changes
Sub Limits
(Continued)
*Note: the above sub-limits payable under this
coverage do not increase and are not in
addition to the applicable limit of liability, with
the exception of the Crisis Management sub-
limits and aggregate, which are in addition to
the limits of liability.
*Note: the above sub-limits payable under this coverage
do not increase and are not in addition to the applicable
limit of liability.
Extended Reporting
Period
For First Named Insured - To be determined at
the time of election (additional premium can
apply); Ninety (90) day basic extended
reporting period available without additional
premium. This automatic ERP does not apply if
the insured has purchased other insurance to
replace the insurance provided by this policy.
Automatic Extended Reporting Period
The Named Insured shall be entitled to an Automatic
Extended Reporting Period for a period of ninety (90)
days following the effective date of termination of this
Policy for no additional premium. This automatic ERP
does not apply if the insured has purchased the optional
extended reporting period, the policy is terminated for
fraud or nonpayment or if the insured has purchased
other insurance to replace the insurance provided under
this policy.
Coverages:
Coverage A – Own Site Clean-up Costs:
Coverage for claims for clean-up costs resulting
from a pollution condition on or under the
insured’s own site that first commenced on or
after the retro date, provided that the claim is
first made and reported during the policy period
and is legally obligated to pay for cleanup
costs..
Coverage A.1 – Onsite Pollution:
Coverage for Remediation Expenses incurred exclusively
for remediation of Pollutants that are on or under a
Covered Property, provided such Remediation Expenses
arise from Onsite Pollution and result from New
Conditions.
Coverage B – Off-Site Clean-Up Costs:
Coverage for third-party claims resulting from a
pollution condition migrating from or through and
beyond the boundaries of the Insured’s own site
that first commenced on or after the retro date,
provided that the claim is first made and reported
during the policy period and is legally obligated
to pay for cleanup costs.
Coverage A.2 – Off Site Costs:
Coverage for Remediation Expenses incurred exclusively
for remediation of Pollutants that are beyond the
boundaries of the Covered Property, provided such
Remediation Expenses arise from Offsite Pollution and
result from New Conditions.
Coverage C – Third-Party Claims for Bodily
Injury or Property Damage: Coverage for third-
party claims for bodily injury or property
damage resulting from a pollution condition on,
under or migrating from or through and beyond
the boundaries of the Insured’s own site that
first commenced on or after the retro date,
provided that the claim is first made and
reported during the policy period and is legally
obligated to pay.
Coverage C.1 – Onsite Pollution
Onsite Pollution resulting from New Conditions. if such
Bodily Injury or Property Damage takes place while the
person injured or the property damaged is within the
boundaries of the Covered Property.
Coverage C.2 – Offsite Pollution
Offsite Pollution resulting from New Conditions. if such
Bodily Injury or Property Damage takes place while the
person injured or the property damaged is within the
boundaries of the Covered Property.
SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE BOUND CHANGES FOR THE 2021-2022 POLICY TERM
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 4 of 20
Special District Risk Management Authority (SDRMA)
Coverage 2020-2021 2021-2022 Bound Changes
Coverages:
(Continued)
Coverage D – Emergency Response Costs:
Coverage for emergency response costs
incurred by or on behalf of the Insured in
response to a pollution condition on, under or
migrating from or through and beyond the
boundaries of an Insured’s own site or arising
from transportation or resulting from a covered
operation, provided that the emergency
response costs be incurred within one hundred
sixty-eight (168) hours of the commencement of
such pollution condition, and reported to the
Insurer within fourteen (14) days of
commencement of such a pollution condition.
Coverage B – Emergency Response Expenses
To pay on behalf of the Insured, Emergency Response
Expenses incurred by or on behalf of the Insured in
response to an imminent and substantial threat to human
health or the environment. The Emergency Response
Expenses must: (i) arise from a Pollution Incident that first
commenced during the Policy Period; (ii) be incurred within
seven (7) days of the commencement of such Pollution
Incident; and (iii) be reported to the Company within
fourteen (14) days of the commencement of such Pollution
Incident. For this Coverage to apply, the Pollution Incident
giving rise to the Emergency Response Expenses must be
unexpected and unintended from the standpoint of the
Insured.
Coverage E – Transportation: Coverage for
third-party claims for bodily injury, property
damage, or clean-up costs resulting from a
pollution condition caused by transportation that
first commenced on or after the retro date,
provided that the claim is first made and
reported to the Insurer during the policy period
and is legally obligated to pay.
Coverage D – Transportation
To pay on behalf of the Insured, Loss that the Insured
becomes legally obligated to pay as a result of Claims for
Bodily Injury, Property Damage or Remediation Expenses
resulting from New Conditions, which arise from
Transportation, provided such Claims are first made
against the Insured and reported to the Company in
writing during the Policy Period.
Coverage F – Non-Owned Locations:
Coverage for third-party claims for bodily injury,
property damage, or clean-up costs resulting
from a pollution condition on, under or migrating
from any non-owned location that first
commenced on or after the retro date, provided
that the claim is first made and reported to the
Insurer during the policy period and is legally
obligated to pay.
Coverage E – Waste Disposal Activities:
To pay on behalf of the Insured, Loss that the Insured
becomes legally obligated to pay as a result of Claims for
Bodily Injury, Property Damage or Remediation Expenses
that arise from a Pollution Incident resulting from Waste
Disposal Activities. The Waste Disposal Activities must
take place on or after the Waste Disposal Retroactive
Date set forth in Item 10. of the Declarations, or the date
that the Insured first began operations if no Waste
Disposal Retroactive Date is indicated in the Declarations.
This Coverage shall apply only if such Claims are first
made against the Insured and reported to the Company in
writing during the Policy Period, or during the Extended
Reporting Period if applicable.
SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE BOUND CHANGES FOR THE 2021-2022 POLICY TERM
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 5 of 20
Special District Risk Management Authority (SDRMA)
Coverage 2020-2021 2021-2022 Bound Changes
Coverages:
(Continued)
Coverage H – Business Interruption: Coverage
for the Insured’s business interruption expense
and extra expense during the interruption
period, caused directly by a pollution condition
on or under the Insured’s own site, on or after
the retro date, provided such pollution condition
results in clean-up costs covered under this
policy, and the first-party claim is made and
reported to the Insurer during the policy period.
Coverage F – Business Interruption:
To pay the Insured’s Business Interruption Expenses and
Extra Expenses during the Period of Interruption that
directly results from Onsite Pollution resulting from New
Conditions.
This Coverage shall apply only if the Pollution Incident
giving rise to the Business Interruption Expenses or Extra
Expenses is first discovered by the Insured and reported
to the Company during the Policy Period, and such
Pollution Incident results in Remediation Expenses
covered under this Policy. Discovery of a Pollution
Incident happens when a Responsible Insured first
becomes aware of the Pollution Incident. Further, if the
Period of Interruption results from a Pollution Incident and
any other cause(s), the Company shall only pay that
portion of Business Interruption Expenses and Extra
Expenses solely attributable to the Pollution Incident.
Coverage G – Covered Operations: Coverage
for third-party claims for bodily injury, property
damage, or clean-up costs resulting from a
pollution condition caused by covered
operations on or after the retro date, provided
that the claim is first made and reported to the
Insurer during the policy period and is legally
obligated to pay. Covered operations are
defined as any operations within the capacity of
a public entity which are performed by or on
behalf of a named insured outside the physical
boundaries of a covered location. Covered
operations do not include Transportation.
Supplemental coverage for Contractors Pollution is
included. This coverage covers third-party claims arising
out of “your work”, provided the claim is first made and
reported during the policy period. The Contractor’s
Pollution must have commenced on or after the
retroactive date of July 1, 2021.
Supplemental coverage for Products Pollution
is included for potable, reclaimed and recycled
water processed at any covered location that is
also a potable water or wastewater treatment
plant. This coverage covers third-party claims
arising out of product pollution, provided the
claim is first made and reported during the
policy period. The Insured’s product must have
been manufactured, sold, handled or distributed
on or after the retro date and the clean-up
costs, bodily injury or property damage must be
unexpected and unintended from the standpoint
of the Insured. Coverage of lead contamination
of potable water is excluded.
Supplemental coverage for Products Pollution and
Exposure Liability is included. This coverage covers
third-party claims arising out of product pollution, provided
the claim is first made and reported during the policy
period. The Products Pollution must have commenced on
or after the 7/1/2021.
SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE BOUND CHANGES FOR THE 2021-2022 POLICY TERM
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 6 of 20
Special District Risk Management Authority (SDRMA)
Coverage 2020-2021 2021-2022 Bound Changes
Coverages:
(Continued)
Coverage I – Cyber Events: Coverage for third-
party claims for bodily injury, property damage or
clean-up costs resulting from a pollution
condition arising from a cyber event, provided
that the claim is first made and reported to the
Insurer during the policy period.
A Cyber Event is defined as any unauthorized
processing of data by an Insured; any breach of
laws and infringement of regulations pertaining
to the maintenance, or protection of data; and
any network security failure in any system or
device leased, owned, operated or lost by or
which is made available or accessible to the
Insured for the purpose of processing data.
Insured must take reasonable precautions to
prevent or cease any activity which may result in
a claim, and take all reasonable steps to observe
and comply with all statutory or local authority
laws obligations and requirements.
Not Covered
Coverage for crisis management response
costs (including medical expenses, funeral
expenses, psychological counseling, travel
expenses temporary living expenses, expenses
to secure the scene of a crisis management
event) included, provided that the costs have
been pre-approved by the insurer and are
associated with damages that would be
covered by this policy.
Coverage for Image Restoration Expenses included,
including fees and expenses incurred by public relations
or crisis management firms and reasonable and
necessary printing, mailing of materials and travel by
directors, officers, employees or agents of the named
insured at the direction of such a firm. Image Restoration
Expenses shall not include the costs to purchase
advertising on television, in newspapers or in any other
media with the prior written consent of the Insurer.
All Named Insureds scheduled on this policy
have the same rights as the First Named
Insured (except for those rights specifically
reserved to the first named insured); this
includes any member of a pool or Joint Powers
Authority specifically scheduled onto this policy.
Listed. Broad language pending negotiation.
SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE BOUND CHANGES FOR THE 2021-2022 POLICY TERM
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 7 of 20
Special District Risk Management Authority (SDRMA)
Coverage 2020-2021 2021-2022 Bound Changes
Coverages:
(Continued)
Automatic Acquisition – Coverage for mid-term
transactions for values that are less than
$25,000,000 shall be added as a covered
location, upon the closing date of such
acquisition, or the effective date of such lease,
management, operation or maintenance right or
obligation, respectively, for no additional
premium, automatically.
Property valued at more than $25,000,000 but
less than $100,000,000, purchased, leased or
otherwise acquired by the Insured needs to be
reported to the Insurer within 180 days, along
with two (2) years of currently valued property
loss runs and shall be added as a covered
location upon the closing date of such
acquisition for an additional premium.
Property valued at more than $100,000,000,
purchased, leased or otherwise acquired by the
Insured needs to be reported to the Insurer
immediately, along with two (2) years of
currently valued property loss runs. Additional
premium applies. For acquired locations that
have underground storage tanks, the Insured
must determine that all operational
underground storage tanks are in material
compliance with all applicable environmental
laws and regulations and must obtain the most
recent tank tightness testing or leak detection
data conducted within sixty (60) days prior to
the effective date that the Insured acquires or
leases the subject location.
Automatic Acquisition – Coverage for mid-term
transactions for values that are less than $25,000,000
shall be added as a covered location, upon the closing
date of such acquisition, or the effective date of such
lease, management, rental or occupation right or
obligation, respectively, for no additional premium. An
application and notification of title or occupancy must be
provided to Ironshore within 180 days.
Property valued at more than $25,000,000 purchased,
leased or otherwise acquired by the Insured needs to be
reported to the Insurer within 180 days, along with a
completed and signed Site Pollution Incident Legal
Liability Select Application and shall be added as a
covered location upon the closing date of such acquisition
subject to an additional premium of $.0006832 per $100
of Total Insurable Values, pro-rated with a minimum
premium of $425. There will be no additional premium for
any Covered Property with Total Insurable Values which
are less than $25,000,000.
Defense Costs and Expenses are an additional
$100,000 outside the per member limit and
within the overall policy aggregate limit.
Defense is within the limits of liability
SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE BOUND CHANGES FOR THE 2021-2022 POLICY TERM
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 8 of 20
Special District Risk Management Authority (SDRMA)
Coverage 2020-2021 2021-2022 Bound Changes
Coverages:
(Continued)
Blanket Coverage included for Non-Owned
Locations. Includes any transfer, storage,
treatment or disposal facilities which are used by
the Insured, but not owned or operated by the
Insured, provided that:
•The waste materials are generated from the
Insured’s own site, transportation, or
covered operations;
•The transfer, storage, treatment or disposal
facility is properly licensed and permitted to
accept and dispose of such waste and has
not filed for bankruptcy as of the date of the
transfer, storage, treatment or disposal of
such waste;
•The transfer, storage, treatment or disposal
facility is not listed or proposed to be listed
on the Federal National Priorities List, or
any equivalent state or local list as of policy
inception.
Blanket Coverage included for Non-Owned Disposal Sites.
Includes any transfer, storage, treatment or disposal
facilities which are used by the Insured, but not owned,
operated or rented by the Insured, provided that the
transfer, storage, treatment or disposal facility is not listed
or proposed to be listed on the Federal National Priorities
List, or any equivalent state or local list as of policy
inception.
The BKK Landfill located at 2210 South Azusa Avenue,
West Covina, CA is specifically excluded from coverage.
N/A
Sudden and Accidental Coverage Only (loss must be
discovered within 7 days of commencement and reported
no later than 21 days following the discovery, and within
the policy period) applies for the following locations:
1. Any location with current or historic use as an
airport;
1. MAPLE (SOUTH) - 519 ENTRANCE OFF
POMONA CORONA CA 92880
2. 1018 COTTONWOOD CORONA CA 92879
3. 1200 TENTH ST. (WEST) CORONA CA 92882
4. 102 LINCOLN (NORTH) CORONA CA 92882
5. 1052 QUARRY CORONA CA 92879
6. 34 CRESTRIDGE CORONA CA 92880
7. 219 GRAND (WEST) CORONA CA 92882
8. 25225 MAITRI RD. CORONA CA 92883
9. 24650 GLEN IVY RD. CORONA CA 92883
10. 405 SIERRA VISTA AVE. CORONA CA 92882
11. 315 MERILL ST (SOUTH) CORONA CA 92882
12. 310 VICENTIA (SOUTH) CORONA CA 92882
13. 710 CORPORATION YARD WAY CORONA CA
92880
14. 2581 MANGULAR CORONA CA 92882
15. 202 BUENA VISTA AVE. (NORTH) CORONA CA
92882
16. 240 BUENA VISTA AVE. CORONA CA 92882
17. 211 BUENA VISTA AVE. (SOUTH) CORONA CA
92882
18. 9865 GLEN IVY RD. CORONA CA 92883
19. 917 CIRCLE CITY DR. CORONA CA 92879
20. 219 JOY (SOUTH) CORONA CA 92879
21. 505 VICENTIA (SOUTH) CORONA CA 92882
22. 1865 POMONA RD CORONA CA 92880
SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE BOUND CHANGES FOR THE 2021-2022 POLICY TERM
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 9 of 20
Special District Risk Management Authority (SDRMA)
Coverage 2020-2021 2021-2022 Bound Changes
Exclusions:
Virus and Communicable Disease COVID-19
Ports – Defined as an Insured’s own site on the
coast or any other body of water where ships or
watercraft can dock and transfer cargo to or from
land and engages in the business of
importing/exporting of goods.
Not covered. Pending wording to add ports.
Not Previously Excluded Odor
Cyber Event – Does not apply to losses
covered by the Cyber Event coverage in this
policy.
Silent
Work Product – Does not apply to covered
operations Work Product – excluded
Sewage Backup Coverage Exclusion – Does not
apply to an Insured’s own site.
Sewage Backup- sewage backup on to 3rd party sites
excluded. Coverage applies for sewage backup on to an
insured site only.
Offshore operations Not Excluded
Landfills, recycling facilities Landfill Closure, Post-Closure and Reclamation Costs
Not Previously Excluded Discharge Control
Not Previously Excluded Engineering Controls / Operation and Maintenance
(O&M) Costs
Not Previously Excluded Groundwater and Surface Water Monitoring Costs
Arising from a known claim or legal action
existing prior to the first date of the period of
insurance and known by a responsible insured
as disclosed in the application or submission
materials including, but not limited to: Open
claims provided within the submission and re-
evaluated at policy inception pending updated
loss runs.
Known Pollution Incidents
(known prior to July 1, 2021)
SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE BOUND CHANGES FOR THE 2021-2022 POLICY TERM
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 10 of 20
Special District Risk Management Authority (SDRMA)
Coverage 2020-2021 2021-2022 Bound Changes
Exclusions
(Continued)
Not Previously Excluded
Capital Improvement- Applies to any auto repair facility,
airport, golf course, fuel depot, fuel storage, shooting
ranges only
Not Previously Excluded Expected or Intended Injury or Damage (Product Pollution
and Covered Operations only)
Known Injury or Damage Known Injury or Damage (Product Pollution and Covered
Operations only)
Not Previously Excluded Product Disposal
(Product Pollution Only)
Products as Waste
(Product Pollution Only)
Products as Waste
(Product Pollution Only)
Not Previously Excluded Transportation (Product Pollution and Covered
Operations only)
Not Previously Excluded Damage to Your Work (Covered Operations Only)
Insured’s products does not include waste
materials unless such waste materials are sold,
furnished or supplied to a third party for
beneficial reuse pursuant to applicable
environmental law.
Waste Products, Treatment or Disposal (Covered
Operations Only)
Perfluoroalkyl and Polyfluoroalkyl Substances
(PFAS) and Related Chemicals or Products –
includes any precursors, additives, daughter
compounds or degradation by-products.
Any perfluoroalkyl or polyfluoroalkyl substance (PFAS),
including but not limited to perfluoroalkyl acids (PFAAs),
perfluorooctanoic acid (PFOA), perfluorooctane sulfonate
(PFOS), perfluoroheptanoic acid (PFHpA),
perfluorononanoic acid (PFNA),
perfluorohexanesulfonic acid (PFHxS), GenX, C8,
ADONA, perfluoroalkane sulfonyl fluoride (PASF),
perfluorobutanesulfonic acid (PFBS),
polytetrafluoroethylene (PTFE), perfluoropolyethers
(PFPEs), fluoropolymers, perfluorononanoic acid,
ammonium perfluorooctanoate, or any associated salts,
acids, alcohols, precursor chemicals or related higher
homologue chemicals. This also includes aqueous film
forming foam (AFFF) containing PFAS (at any
concentration) or any additives or component materials
contained therein or degradation byproducts thereof.
Voluntary clean-up promulgated, adopted, or
implemented by an insured during the period of
insurance and applicable to pollution conditions
at an insured’s own site are excluded.
Voluntary Site Investigation applies to any auto repair
facility, airport, golf course, fuel depot, fuel storage,
shooting ranges only
SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE BOUND CHANGES FOR THE 2021-2022 POLICY TERM
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 11 of 20
Special District Risk Management Authority (SDRMA)
Coverage 2020-2021 2021-2022 Bound Changes
Exclusions
(Continued)
Claims or loss arising for property damage to
the insured’s products are excluded.
Damage to Your Product
(Product Pollution Only)
Claims or loss arising for property damage to
the insured’s products or for property damage
to that particular part of real property on which
the insured, or any persons or entities acting on
the insured’s behalf, are performing covered
operations, including any property damage
caused by materials, parts or equipment
furnished in connection
with such covered operations.
Damage to Property
(Covered Operations Only)
Retentions /
Deductibles:
$150,000
$450,000
$250,000
$250,000
Overall Policy Deductible Per
Pollution Incident retention
except for specific retentions
below (all pollution incidents
except where noted below)
Per Named Insured Aggregate
retention applicable to all
Pollution Incidents except for
specific retentions below
Per Named Insured
maintenance retention
applicable to all Pollution
Incidents except for specific
retentions below
Each Pollution Incident Prior to
July 1, 2021
$250,000
N/A
N/A
$500,000
Overall Policy Deductible (Each Pollution
Incident After July 1, 2021 and except
where noted below)
Each Pollution Incident Prior to July 1, 2021
Retentions /
Deductibles
(Continued)
$500,000
$150,000
$750,000
Per Named Insured retention
applicable to microbial matter
for K-12 school districts only –
does not erode the Aggregate
retention
Sewage Backup
Underground Storage Tanks
Specific – does not erode the
Aggregate retention
$250,000
$500,000
$750,000
$1,000,000
Per Named Insured deductible applicable to
microbial matter for K-12 school districts
only
Sewage Backup and Overcharge
Underground Storage Tanks (less than 25
years old)
Underground Storage Tanks (more than 25
years old)
N/A Any payments for covered loss paid by other insurance
shall also be applied against the deductible amount.
SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE BOUND CHANGES FOR THE 2021-2022 POLICY TERM
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 12 of 20
Special District Risk Management Authority (SDRMA)
Coverage 2020-2021 2021-2022 Bound Changes
Minimum Earned
Premium
25% Earned Premium at Inception; deemed
100% fully earned in the event of claim or loss 100% Earned Premium at Inception
Claim Reporting
Allianz Global Corporate & Specialty
Attn: FNOL Claims Unit
1 Progress Point Parkway, 2nd Floor
O’Fallon, MO 63368
In emergency, call: (800) 558-1606
Fax: (800) 323-6450
Email: NewLoss@agcs.allianz.com
Online Claims Reporting form available at:
www.agcs.allianz.com/global-offices/united-
states
Ironshore Environmental Claims CSO
28 Liberty Street, 5th Floor
New York, NY 10005 Office
By phone via:
24 Hour Claims Phone Number (888)292-0249
FAX to: 646-826-6601
Email: USClaims@ironshore.com
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 13 of 20
Special District Risk Management Authority (SDRMA)
ALLIANT INSURANCE SERVICES, INC.
ALLIANT PROPERTY INSURANCE PROGRAM (APIP)
POLLUTION LIABILITY COVERAGE EVIDENCE
TYPE OF INSURANCE: Insurance Reinsurance
TYPE OF COVERAGE: Claims Made and Reported Pollution Liability
PROGRAM: Alliant Property Insurance Program (APIP)
NAMED INSURED: Any member(s), entity(ies), agency(ies), organization(s), enterprise(s), pool(s), Joint Powers
Authority(ies) and/or individual(s) attached to each Declaration insured as per Named Insured
Schedule on file with Insurer, listed below.
POLICY PERIOD: July 1, 2021 to July 1, 2022
POLICY #: TBD
RETROACTIVE DATE: •July 1, 2011 for Waste Disposal;
•July 1, 2021 for Products Pollution and Exposure Liability;
•July 1, 2021 for Contractor’s Pollution
•July 1, 2021 for Mold Matter
•July 1, 2011 Disinfection Event
This coverage shall only apply if the Pollution Incident or Disinfection Event giving rise to the
Claim, Loss, Business Interruption Expenses or Extra Expenses commenced, in its entirety,
on or after July 1, 2011, or the date that the Insured first joined the Alliant Property Insurance
Program (APIP) for environmental or pollution insurance coverage, whichever is later.
COMPANY: Ironshore Specialty Insurance Company
A.M. BEST
INSURANCE RATING::
A, Excellent, Financial Category XV
($2 Billion or greater)
Effective June 26, 2020
STANDARD & POORS
RATING:
A (Strong) as of November 25, 2020
ADMITTED STATUS: Non-Admitted in all states.
COVERED PROPERTY: Per the following SOVs submitted and on file with carrier:
1. PEPIP DEC 1 – SOVs
2. PEPIP DEC 2 – SOVs
3. PEPIP DEC 3 – SOVs
4. PEPIP DEC 4 – SOVs
5. PEPIP DEC 5 – SOVs
6. PEPIP DEC 11 – SOVs
7. PEPIP DEC 12 – SOVs
8. PEPIP DEC 14 – SOVs
9. PEPIP DEC 19 – SOVs
10. PEPIP DEC 23 – SOVs
11. PEPIP DEC 24 – SOVs
12. PEPIP DEC 25 – SOVs
13. PEPIP DEC 26 – SOVs
14. PEPIP DEC 27 – SOVs
15. PEPIP DEC 28 – SOVs
16. PEPIP DEC 29 – SOVs
17. PEPIP DEC 30 – SOVs
18. PEPIP DEC 32 – SOVs (Excludes SPIP,
except as endorsed)
19. PEPIP DEC 33 – SOVs
20. PEPIP DEC 34 – SOVs
21. PEPIP DEC 35 – SOVs
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 14 of 20
Special District Risk Management Authority (SDRMA)
Covered locations include any real property owned, leased, rented, operated or occupied by
the Insured at policy inception. Covered locations also include any subsurface potable water,
wastewater or storm water pipes to or from a covered property that are located within a one
thousand (1,000) foot radius of such covered location as of policy inception.
COVERAGES &
LIMITS: $25,000,000
$ 2,000,000
$ 2,000,000
$ 2,000,000
Policy Program Aggregate (all insureds combined)
Per Pollution Incident
Per Named Insured Aggregate
Per JPA/Pool Aggregate
SUB-LIMITS: $ 100,000
$ 100,000
$ 250,000
$ 250,000
$ 500,000
$ 1,000,000
$ 1,000,000
$ 2,000,000
$ 250,000
$ 2,000,000
$ 5,000,000
$ 1,000,000
$ 2,000,000
$ 5,000,000
Disinfection Event Expenses Per Pollution Incident*
Disinfection Event Expenses Coverage Aggregate*
Image Restoration Expenses Per Pollution Incident*
Image Restoration Expenses Coverage Aggregate*
Mold Matter Aggregate Sublimit (K-12 Schools Only, per School)*
Restoration Costs Aggregate (Mold Matter Only)*
Legionella Per Pollution Incident*
Sewer Backup or Overcharge Per Pollution Incident*
Any Punitive, Exemplary and Multiplied Damages and Civil Fines,
Penalties and Assessments Fines*
Products Pollution and Exposure Liability Per Pollution Incident*
Products Pollution and Exposure Liability Aggregate*
Contractor’s Pollution Per Pollution Incident - Herbicide, Insecticide,
Pesticide Applications Only*
Contractor’s Pollution Per Pollution Incident - All other Operations*
Contractors Pollution Aggregate*
*Note: the above sub-limits payable under this coverage do not increase and are not
in addition to the applicable limit of liability.
EXTENDED REPORTING
PERIOD:
Automatic Extended Reporting Period
The Named Insured shall be entitled to an Automatic Extended Reporting Period for a
period of ninety (90) days following the effective date of termination of this Policy for no
additional premium. This automatic ERP does not apply if the insured has purchased
other insurance to replace the insurance provided by this policy.
SPECIFIC COVERAGE
PROVISIONS:
CLAIMS MADE AND REPORTED
Coverage A.1 – Onsite Pollution:
Coverage for Remediation Expenses incurred exclusively for remediation of Pollutants
that are on or under a Covered Property, provided such Remediation Expenses arise
from Onsite Pollution and result from New Conditions.
Coverage A.2 – OffSite Pollution:
Coverage for Remediation Expenses incurred exclusively for remediation of Pollutants
that are beyond the boundaries of the Covered Property, provided such Remediation
Expenses arise from Offsite Pollution and result from New Conditions.
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 15 of 20
Special District Risk Management Authority (SDRMA)
SPECIFIC COVERAGE
PROVISIONS -
CONTINUED:
Coverage B – Emergency Response Expenses
To pay on behalf of the Insured, Emergency Response Expenses incurred by or on
behalf of the Insured in response to an imminent and substantial threat to human health
or the environment. The Emergency Response Expenses must: (i) arise from a
Pollution Incident that first commenced during the Policy Period; (ii) be incurred within
seven (7) days of the commencement of such Pollution Incident; and (iii) be reported
to the Company within fourteen (14) days of the commencement of such Pollution
Incident. For this Coverage to apply, the Pollution Incident giving rise to the Emergency
Response Expenses must be unexpected and unintended from the standpoint of the
Insured.
Coverage C.1 – Third Party Claims - Onsite Pollution
Onsite Pollution resulting from New Conditions. if such Bodily Injury or Property
Damage takes place while the person injured or the property damaged is within the
boundaries of the Covered Property.
Coverage C.2 – Third Party Claims -Offsite Pollution
Offsite Pollution resulting from New Conditions. if such Bodily Injury or Property
Damage takes place while the person injured or the property damaged is beyond the
boundaries of the Covered Property.
Coverage D – Transportation
To pay on behalf of the Insured, Loss that the Insured becomes legally obligated to pay
as a result of Claims for Bodily Injury, Property Damage or Remediation Expenses
resulting from New Conditions, which arise from Transportation, provided such Claims
are first made against the Insured and reported to the Company in writing during the
Policy Period.
Coverage E – Waste Disposal Activities:
To pay on behalf of the Insured, Loss that the Insured becomes legally obligated to pay
as a result of Claims for Bodily Injury, Property Damage or Remediation Expenses that
arise from a Pollution Incident resulting from Waste Disposal Activities. The Waste
Disposal Activities must take place on or after the Waste Disposal Retroactive Date set
forth in Item 10. of the Declarations, or the date that the Insured first began operations
if no Waste Disposal Retroactive Date is indicated in the Declarations. This Coverage
shall apply only if such Claims are first made against the Insured and reported to the
Company in writing during the Policy Period, or during the Extended Reporting Period
if applicable.
Coverage F – Business Interruption:
To pay the Insured’s Business Interruption Expenses and Extra Expenses during the
Period of Interruption that directly results from Onsite Pollution resulting from New
Conditions.
This Coverage shall apply only if the Pollution Incident giving rise to the Business
Interruption Expenses or Extra Expenses is first discovered by the Insured and reported
to the Company during the Policy Period, and such Pollution Incident results in
Remediation Expenses covered under this Policy. Discovery of a Pollution Incident
happens when a Responsible Insured first becomes aware of the Pollution Incident.
Further, if the Period of Interruption results from a Pollution Incident and any other
cause(s), the Company shall only pay that portion of Business Interruption Expenses
and Extra Expenses solely attributable to the Pollution Incident.
Supplemental coverage for Contractors Pollution is included. This coverage covers
third-party claims arising out of “your work”, provided the claim is first made and
reported during the policy period. The Contractor’s Pollution must have commenced
on or after 7/1/2021.
Supplemental coverage for Products Pollution and Exposure Liability is included. This
coverage covers third-party claims arising out of product pollution, provided the claim
is first made and reported during the policy period. The Products Pollution must have
commenced on or after 7/1/2021.
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 16 of 20
Special District Risk Management Authority (SDRMA)
SPECIFIC COVERAGE
PROVISIONS -
CONTINUED:
Coverage for Image Restoration Expenses included, including fees and expenses
incurred by public relations or crisis management firms and reasonable and necessary
printing, mailing of materials and travel by directors, officers, employees or agents of
the named insured at the direction of such a firm. Image Restoration Expenses shall
not include the costs to purchase advertising on television, in newspapers or in any
other media with the prior written consent of the Insurer.
Automatic Acquisition – Coverage for mid-term transactions for values that are less
than $25,000,000 shall be added as a covered location, upon the closing date of such
acquisition, or the effective date of such lease, management, rental or occupation
right or obligation, respectively, for no additional premium. An application and
notification of title or occupancy must be provided to Ironshore within 180 days.
Property valued at more than $25,000,000 purchased, leased or otherwise acquired by
the Insured needs to be reported to the Insurer within 180 days, along with a completed
and signed Site Pollution Incident Legal Liability Select Application and shall be added
as a covered location upon the closing date of such acquisition subject to an additional
premium of $0.0006832 per $100 of Total Insurable Values, pro-rated with a minimum
premium of $425. There will be no additional premium for any Covered Property with
Total Insurable Values which are less than $25,000,000.
Illicit Abandonment is included in the definition of pollution condition.
Mold matter is included in the definition of Pollutant. Mold matter is defined as mold,
mildew and fungi, whether or not such microbial matter is living.
Other Insurance Condition
Any Loss covered under any other valid and collectible insurance, whether primary,
excess, contingent, self-insurance, deductible or any other basis, including but not
limited to the policies scheduled below and any renewals or replacements thereof;
however, this insurance shall apply in excess of any such other valid and collectible
insurance.
Blanket Underground Storage Tank coverage included, with a deductible of $750,000
for storage tanks less than twenty-five years old, and a deductible of $1,000,000 for
storage tanks older than twenty-five years. Note: Does not meet financial assurance
requirements.
Loss covered pursuant to any state storage tank fund, state administered insurance
program or restoration funding for any underground storage tank(s) whose owners
qualify for reimbursement, or any self-insurance fund established for the purpose of
funding clean-up costs for pollution conditions from any underground storage tank(s),
shall be considered primary insurance, to which the coverage afforded pursuant to this
policy shall apply in excess.
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 17 of 20
Special District Risk Management Authority (SDRMA)
SPECIFIC COVERAGE
PROVISIONS -
CONTINUED:
Blanket Coverage included for Non-Owned Disposal Sites. Includes any transfer,
storage, treatment or disposal facilities which are used by the Insured, but not owned,
operated or rented by the Insured, provided that the transfer, storage, treatment or
disposal facility is not listed or proposed to be listed on the Federal National Priorities
List, or any equivalent state or local list as of policy inception.
The BKK Landfill located at 2210 South Azusa Avenue, West Covina, CA is specifically
excluded from coverage.
Sudden and Accidental Coverage Only (loss must be discovered within 7 days of
commencement and reported no later than 21 days following the discovery, and within
the policy period) applies for the following locations:
1. Any location with current or historic use as an airport;
2. MAPLE (SOUTH) - 519 ENTRANCE OFF POMONA CORONA CA 92880
3. 1018 COTTONWOOD CORONA CA 92879
4. 1200 TENTH ST. (WEST) CORONA CA 92882
5. 102 LINCOLN (NORTH) CORONA CA 92882
6. 1052 QUARRY CORONA CA 92879
7. 34 CRESTRIDGE CORONA CA 92880
8. 219 GRAND (WEST) CORONA CA 92882
9. 25225 MAITRI RD. CORONA CA 92883
10. 24650 GLEN IVY RD. CORONA CA 92883
11. 405 SIERRA VISTA AVE. CORONA CA 92882
12. 315 MERILL ST (SOUTH) CORONA CA 92882
13. 310 VICENTIA (SOUTH) CORONA CA 92882
14. 710 CORPORATION YARD WAY CORONA CA 92880
15. 2581 MANGULAR CORONA CA 92882
16. 202 BUENA VISTA AVE. (NORTH) CORONA CA 92882
17. 240 BUENA VISTA AVE. CORONA CA 92882
18. 211 BUENA VISTA AVE. (SOUTH) CORONA CA 92882
19. 9865 GLEN IVY RD. CORONA CA 92883
20. 917 CIRCLE CITY DR. CORONA CA 92879
21. 219 JOY (SOUTH) CORONA CA 92879
22. 505 VICENTIA (SOUTH) CORONA CA 92882
23. 1865 POMONA RD CORONA CA 92880
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 18 of 20
Special District Risk Management Authority (SDRMA)
EXCLUSIONS (including
but not limited to):
Coverage does not apply to any claim or loss from:
•Asbestos and Lead Based Paint – Any asbestos, asbestos containing materials
or lead-based paint in, on, or applied to any building or other structure. This
exclusion does not apply to Third-Party Claims, or to Remediation Expenses for
the remediation of soil, surface water or groundwater, or for the remediation of
asbestos, asbestos containing materials or lead based paint which has been
inadvertently displaced by an accident which occurs, in its entirety, during the
policy period. Lead in water is excluded.
•Contractual Liability – This exclusion does not apply to liability that the Insured
would have had in the absence of the contract or agreement or to liability
assumed in an Insured Contract.
•Criminal Punishments
•Employer Liability - This exclusion applies whether the Insured may be liable as
an employer or in any other capacity, and to any obligation to share damages
with or repay someone else who must pay damages because of such Bodily
Injury.
•Insured’s Internal Expenses
•Insured’s Non-Compliance
•Insured vs. Insured
•Material Change In Use - This exclusion shall not apply if the Insured submits
prior written notice no less than thirty (30) days prior to such material change, and
the Company approves such material change in an endorsement to this Policy
issued within thirty (30) days of such notice.
•Non-Disclosure
•Prior Claims
•Nuclear and Radiological Material
•Property Damage to Conveyances
•War
•Workers Compensation, Unemployment, Social Security, Disability and Similar
Laws
•Airports, Landfills and/or Recycling Facilities, Oil and/or Gas Producing or
Refining Facilities
•Firing Ranges
•Activity Use Limitation
•Landfill Closure, Post-Closure and Reclamation Costs
•Odor
•Impoundments
•Discharge Control
•Engineering Controls / Operation and Maintenance (O&M) Costs
•Upgrades
•Groundwater and Surface Water Monitoring Costs
•Known Pollution Incidents (known prior to July 1, 2021)
•COVID-19
•Capital Improvement- Applies to any auto repair facility, airport, golf course, fuel
depot, fuel storage, shooting ranges, or removal, replacement, repair or upgrade
of an underground storage tank.
•Voluntary Site Investigation (any pollutant discovered during voluntary
investigation is excluded at any auto repair facility, airport, golf course, fuel depot,
fuel storage, shooting ranges only)
•Expected or Intended Injury or Damage (Product Pollution and Covered
Operations only)
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 19 of 20
Special District Risk Management Authority (SDRMA)
EXCLUSIONS (including
but not limited to):
•Known Injury or Damage (Product Pollution and Covered Operations only)
•Product Disposal (Product Pollution Only)
•Products as Waste (Product Pollution Only)
•Transportation (Product Pollution and Covered Operations only)
•Business Interruption (Covered Operations Only)
•Damage to Your Product (Product Pollution Only)
•Damage to Property (Covered Operations Only)
•Damage to Your Work (Covered Operations Only)
•Products Pollution (Covered Operations Only)
•Waste Products, Treatment or Disposal (Covered Operations Only)
•Any perfluoroalkyl or polyfluoroalkyl substance (PFAS), including but not limited
to perfluoroalkyl acids (PFAAs), perfluorooctanoic acid (PFOA), perfluorooctane
sulfonate (PFOS), perfluoroheptanoic acid (PFHpA), perfluorononanoic acid
(PFNA), perfluorohexanesulfonic acid (PFHxS), GenX, C8, ADONA,
perfluoroalkane sulfonyl fluoride (PASF), perfluorobutanesulfonic acid (PFBS),
polytetrafluoroethylene (PTFE), perfluoropolyethers (PFPEs), fluoropolymers,
perfluorononanoic acid, ammonium perfluorooctanoate, or any associated salts,
acids, alcohols, precursor chemicals or related higher homologue chemicals.
This also includes aqueous film forming foam (AFFF) containing PFAS (at any
concentration) or any additives or component materials contained therein or
degradation byproducts thereof.
DEDUCTIBLE: $250,000
$500,000
$500,000
Each Pollution Incident After July 1, 2021
Each Pollution Incident Prior to July 1, 2021
Sewage Backup and Overcharge
Any payments for covered loss paid by other insurance shall also be applied against the
deductible amount.
SPECIFIC
DEDUCTIBLES:
$250,000
$250,000
$250,000
$250,000*
$250,000
$500,000
$750,000
$1,000,000
Disinfection Event Expenses
Products Pollution and Exposure Liability
Covered Operations
Mold Matter (*or $50,000 per room impacted, whichever is greater – a
room is considered equal to 250 sq ft of floor space)
Legionella
Sewer Backup or Overcharge deductible
Underground Storage Tanks (less than 25 years old)
Underground Storage Tanks (more than 25 years old)
2021-2022 Alliant Property Insurance Program (APIP) Pollution Liability Evidence Page 20 of 20
Special District Risk Management Authority (SDRMA)
CLAIMS REPORTING NOTICE
PLEASE NOTE THAT POLLUTION LIABILITY POLICIES CONTAIN EXTREMELY STRICT CLAIM REPORTING
PROCEDURES. Below please find your policy specific claim reporting requirements - Please make sure you
understand these obligations. Contact your Alliant Service Team with any questions.
THIS IS A CLAIMS MADE POLICY
This claims-made policy contains a requirement stating that this policy applies only to any claim first made
against the Insured and reported to the insurer during the policy period or applicable extended reporting
period. Claims must be submitted to the insurer during the policy period, or applicable extended reporting
period, as required pursuant to the Claims/Loss Notification Clause within the policy in order for coverage to
apply. Late reporting or failure to report pursuant to the policy’s requirements could result in a disclaimer of
coverage by the insurer.
LOSS REPORTING
REQUIREMENTS:
Written notice of any claim or pollution condition, within seven (7) days of discovery for
pollution conditions requiring immediate emergency response. Concurrently, please send
to:
1) Ironshore Environmental Claims CSO
28 Liberty Street, 5th Floor
New York, NY 10005 Office
By phone via: 24 Hour Claims Phone Number (888) 292-0249
FAX to: 646-826-6601
Email: USClaims@ironshore.com
2) Akbar Sharif
Alliant Insurance Services, Inc.
1301 Dove Street, Suite 200
Newport Beach, CA 92660
949 260-5088
949 756-2713 – fax
Akbar.Sharif@alliant.com
NOTICE OF
CANCELLATION: 90 days except 10 days for non-payment of premium
REINSTATEMENT
PROVISIONS:
Not Provided
POLLUTION LIABILITY
COST:
Cost is included in Total Property Premium
100% Earned Premium at Inception
BROKER: ALLIANT INSURANCE SERVICES, INC.
License No. 0C36861
ENVIRONMENTAL RISK - FIRST NOTICE OF LOSS FORM
Today’s Date:
Notice of: (check all that apply)
Pollution Incident Potential Claim Other
Third-Party Claim Litigation Initiated
Insured’s Name & Contact Information Company Name: Point of Contact:
Address:
Phone #:
Broker/Agent’s Name & Contact Information
Company Name: SDRMA Point of Contact: Debbie Yokota
Address: see above
Phone #: 1-800-537-7790
Policy Information
Policy Number: Policy Period:
Limits of Liability: per agg Self-Insured Retention/Deductible
Loss Information
Date of Incident/Claim: Location:
Claimant Name/Address:
Description of Loss:
Please list all attached or enclosed documentation: (check if none provided)
Name of Person Completing This Form: Signature:
Date Issued: 07/01/2021 Special District Risk Management Authority | www.sdrma.org |
SEND TO: Special District Risk Management Authority (SDRMA)
BY MAIL: 1112 I Street, Suite 300, Sacramento, CA 95814
BY FAX: (916) 231-4111
BY EMAIL: claims@sdrma.org
PHONE: 1-800-537-7790