Exhibit 4 - Comparison SummaryCity of Denton (5/25 Inception)
Property Quotes Comparison
Updated: Apr 27, 2022
22-23 Renewal
AEGIS
Policy Numbers
Bound
Authorization 100.00%
Expiring Participation 100.00%
Security Associated Electric & Gas Insurance
Services Limited, Hamilton Bermuda
Admitted/Non-admitted Non-admitted
EXPIRING Property
EXPIRING Business Interruption
EXPIRING TIV
RENEWAL Property $164,923,647
RENEWAL Business Interruption $7,717,562
RENEWAL TIV $172,641,209
EXPIRING 100% All-Risk, excluding Terrorism
EXPIRING 100% TRIA Premium
Brokerage
EXPIRING Account Rate
QUOTED 100% All-Risk, excluding Terrorism $500,410
QUOTED 100% TRIA Premium $17,514
Market Share Premium (incl. TRIA)$517,924
Brokerage NIL
Engineering services
QUOTED Account Rate 0.290%
Account Rate Chg YoY 2.9%
Property Member Credit
BI Premium
Premium Payment Terms 30 days
Cancellation 90 days, 10 non-payment
Policy Language AEGIS standard
Premium Payment Terms
Premium Notes
All Risk x Terrorism Avg. Rate
Retentions (per occurrence)
All Losses, except $250,000
Gas Engine Generators $500,000
Named Windstorm 2% or reported values, minimum $250,000
Exhibit 4 Comparison Summary
24-25 Quotes Comparison Page 1 of 4
City of Denton (5/25 Inception)
Property Quotes Comparison
Updated: Apr 27, 2022
22-23 Renewal
AEGIS
Policy Numbers
Bound
Authorization 100.00%
Expiring Participation 100.00%
Security Associated Electric & Gas Insurance
Services Limited, Hamilton Bermuda
Admitted/Non-admitted Non-admitted
Tornado loss (not associated with Named Windstorm)
Severe Windstorm (new definition in 2022 form
includes Tornado)
$1,000,000
Time Element, except 30 days
Time Element iro Gas Engine Generators 45 days
Service Interruption Qualifier 24 hours
Emergency Action Business Income Loss 5 hours
Policy Limit $172,641,209
CAT - Sublimits of Liability
Earth Movement (annual aggregate)$25,000,000
Earth Movement - California/High Hazard Excluded
Earth Movement - Newly Acq., E&O,
Exhibitions/Fairs/Tradeshows, MUL
Excluded for MUL, Newly Acq, COC
Flood (annual aggregate), except:$25,000,000
Flood - Newly Acq., E&O, Exhibitions/Fairs/Tradeshows,
MUL
Excluded for MUL, Newly Acq, COC
Flood - High Hazard Flood Zones Excluded
Named Windstorm including Storm Surge (annual
aggregate)
$25,000,000
Tornado (not associated with Named Windstorm)N/A
Severe Windstorm (annual aggregate)$100,000,000
Named Windstorm including Storm Surge - Newly Acq.,
E&O, Exhibitions/Fairs/Tradeshows, MUL
Excluded for MUL, Newly Acq, COC
Sublimits of Liability
Accounts Receivable $1,000,000
Business Interruption $7,717,562 not to exceed 105% of monthly
margin reported on file
Commissioning, Licensing, Royalties Excluded
Contingent Time Element - Direct Named $10,000,000 subject to BI CAP
Contingent Time Element - Direct and unnamed Excluded
Contingent Time Element - Indirect Excluded
Exhibit 4 Comparison Summary
24-25 Quotes Comparison Page 2 of 4
City of Denton (5/25 Inception)
Property Quotes Comparison
Updated: Apr 27, 2022
22-23 Renewal
AEGIS
Policy Numbers
Bound
Authorization 100.00%
Expiring Participation 100.00%
Security Associated Electric & Gas Insurance
Services Limited, Hamilton Bermuda
Admitted/Non-admitted Non-admitted
Course of Construction $10,000,000
Crisis Management Excluded
Data Restoration / Data Physical Damage Excluded
Debris Removal or 25% of PD/TE, or $10,000,000 whichever
is lesser
Decontamination Costs Excluded
Defense Cost $500,000
Deferred Payments Excluded
Demolition and/or Increased Cost of Construction due to
Law or Ordinance
$10,000,000 (PD/TE)
Errors or Omissions $2,500,000
Exhibitions, Expositions, Fairs or Tradeshows Excluded
Expediting Expense $2,500,000
Extended Period of Indemnity 30 days
Extra Expense $2,500,000, excludes Replacement Power
Fine Arts $500,000
Fire and Police Department Service Charges $1,000,000
Impounded Water Excluded
Ingress/Egress 30 days, or $1,000,000 whichever is lesser
(5 mile statute)
Interruption by Civil or Military Authority 30 days, or $1,000,000 whichever is lesser
(5 mile statute)
Land and/or Water Contaminants, Cleanup, Removal, and
Disposal (Annual Aggregate)
$500,000
Land Improvements Excluded
Leasehold Interest Excluded
Logistics Extra Cost Excluded
Miscellaneous Unscheduled Locations $2,500,000
Mold ensuing from an Innsured Cause of Loss Excluded
Newly Acquired Locations (90 days reporting)$5,000,000
Period of Indemnity (Power Generating Income)12 months
Exhibit 4 Comparison Summary
24-25 Quotes Comparison Page 3 of 4
City of Denton (5/25 Inception)
Property Quotes Comparison
Updated: Apr 27, 2022
22-23 Renewal
AEGIS
Policy Numbers
Bound
Authorization 100.00%
Expiring Participation 100.00%
Security Associated Electric & Gas Insurance
Services Limited, Hamilton Bermuda
Admitted/Non-admitted Non-admitted
Preservation of Property $2,500,000
Professional Fees $500,000
Radioactive Contamination Excluded
Rental Insurance Excluded
Research and Development Excluded
Soft Costs Excluded
Service Interruption $10,000,000
Temporary Removal of Property Silent
Transportation $5,000,000
Valuable Papers & Records $1,000,000
Emergency Action Business Income Loss $1,000,000 per occ and in agg or a (5) hour
sublimit, whichever is less
Mobile Equipment
Other Conditions
Economic or Trade Sanctions ✔
Engineering Allowance Included
Agreed Adjusters
Territory United States and D.C.
Choice of Law/Jurisdiction New York
Valuation Property - RC
TE - Actual Loss Sustained
on declared monthly values not to exceed
105% of reported value on file
Communicable Disease Endorsement AEGIS wording
Cyber AEGIS wording
Other Emergency Action Endorsement
Please note that the descriptions, summaries and highlights contained above are for informational
purposes only. They are not intended to be exhaustive nor do they amend, alter or modify the actual
terms and conditions contained in your insurance quotes. Coverage is governed solely by the actual
terms, conditions, premiums and fees reflected by your final bound insurance policies issued by the
Exhibit 4 Comparison Summary
24-25 Quotes Comparison Page 4 of 4