Exhibit 3 - Proposals
Commerical Automobile Physical Damage Insurance Proposal
for
City of Denton
Policy Effective Date
12/31/2023
Policy Expiration Date
12/31/2024
2
Date: 12/13/2023
To: Lockton Companies LLC
Attention: Samuel Bonser
From: Jennifer Fischer
Named Insured: City of Denton
We are pleased to present the following proposal for your consideration and review. This proposal is
valid until the effective date indicated in this proposal.
Line of Coverage Premium and Surcharges
General Liability Coverage Not Covered
Commercial Automobile Liability Coverage Not Covered
Commercial Automobile Physical Damage Coverage $161,849
Public Officials Liability Coverage Not Covered
Law Enforcement Liability Coverage Not Covered
Excess Liability Coverage Not Covered
Total $161,849
Indicated premiums are based on all quoted lines of coverage within this proposal, within the Public
Entity Excess Retained Limits Liability proposal and within the Excess Workers’ Compensation
proposal, being bound according to the terms and conditions included within Safety National’s
proposals. Any program costs are included within the premium shown above. Premiums are fully
earned when bound.
Safety National® may consider providing revised or additional quote options for individual lines of
coverage subject to further underwriting review and approval.
Unless otherwise noted, all references in this proposal to policy coverage parts and forms, depicts
the product offering of Safety National. These may deviate from the coverage requests or wording
contained within the Producer Specifications or other portions of the account submission. Any
deviations from this proposal must be approved and authorized by Safety National, in writing.
For additional information on the products and services proudly provided by Safety National, please
visit our website: www.safetynational.com.
3
General Contingencies and Comments
Commission This proposal is net of commission.
Risk Control Services All Safety National Clients have access to MAP, our
online Safety and Risk Control resource.
Coverage Contingencies The coverage and premiums quoted within this proposal
and within the Public Entity Excess Retained Limits
Liability program are contingent upon also binding the
Excess Workers’ Compensation program offered by
Safety National, and being written by Safety National
Casualty Corporation.
Installments/Payment Schedule All lines are on an Annual Pay Plan. Premiums due
within 30 days of binding. Premiums are fully earned
when bound.
Claims Administration Claims are Self-Administered
TPA Fees TPA fees are NOT included within the premium or costs
of the quoted Safety National program, unless otherwise
noted herein.
Annual Audits Auto Physical Damage coverage is not auditable.
4
Your Service Team
Safety National is committed to providing industry-leading services to our policyholders. The
Service Team is the keystone to that promise. This highly experienced team is identified now and
established early in the policy term so there is a seamless transition and efficient delivery of service
for your client’s needs. The Service Team consists of a one-point contact in underwriting, claims,
and risk control.
We welcome the opportunity for you to experience our commitment to your success by contacting
any member of our team with your questions or requests.
Jennifer Fischer
Public Entity Underwriter
314-810-5675 jennifer.fischer@safetynational.com
Justin McCormack
Business Development Leader, Southwest
Region
972-239-2390 justin.mccormack@safetynational.com
Ariel Jenkins
Director – Risk Control
314-692-1385 ariel.jenkins@safetynational.com
Todd McMillan
Vice President, Liability Claims
314-332-2358
todd.mcmillan@safetynational.com
5
Commercial Automobile Physical
Damage Proposal
Safety National Casualty Corporation
A.M. Best Rating A++ XV
Named Insured City of Denton
Effective Date 12/31/2023
Expiration Date 12/31/2024
CA Coverage Form (CA 00 01) Symbol Limits of Liability
Auto Liability – Any One Accident Not Covered
Personal Injury Protection (PIP) Not Covered
Property Protection Insurance (Michigan only) Not Covered
Auto Medical Payments Not Covered
Medical Expense & Income Loss (Virginia only) Not Covered
Uninsured/Underinsured Motorist (UM/UIM) Not Covered
Physical Damage Coverage Symbol Limits of Liability
Comprehensive Coverage 10a, 10b ACV
Collision Coverage 10a, 10b ACV
Physical Damage Deductibles Amount
Comprehensive Coverage 10a: $50,000
deductible for units
valued $100,000 -
$599,999;
10b: $100,000
deductible for units
valued $600,000 and
greater
Collision Coverage 10a: $50,000
deductible for units
valued $100,000 -
$599,999;
10b: $100,000
deductible for units
valued $600,000 and
greater
6
Automobile Physical Damage Coverages / Endorsements
Mandatory State Endorsements As required by covered states
Amphibious Vehicles CA 23 97
Audio, Visual & Data Electronic Equipment
Coverage – Fire, Police & Emergency Vehicles
CA 20 02
Auto Physical Damage Deductibles Applies to
Fire & Lightning
CAM 002
Broad Form Named Insured SNCA 038
Commercial Auto Liability Coverage Form CA 00 01
Covered Auto Designation Symbol 10 CA 99 54
Unintentional Failure to Disclose Material Facts SNCA 028
Unintentional Failure to Provide Notice of
Accident or Loss
SNCA 030
Waiver of Premium Audit Condition CAM 001
Lessor – Additional Insured and Loss Payee:
White’s Welding LLC, and Its Subsidiaries and
Affiliates, PO Box 1761, Woodward, OK 73802
CA 20 01
Public Entity Excess Retained Limit
Liability Insurance Proposal
Safety National Casualty Corporation
Proposal for:
CITY OF DENTON
215 E. MCKINNEY
DENTON, TX 76201
Policy Effective Date
12/31/2023
Policy Expiration Date
12/31/2024
Public Entity Excess Retained Limit Liability Insurance Proposal
SERVICE TEAM
Safety National is committed to providing industry-leading services to our policyholders. The Service Team is the
keystone to that promise. This highly experienced team is identified now and established early in the policy term so there
is a seamless transition and efficient delivery of service for your client’s needs. The Service Team consists of a one-point
contact in underwriting, claims, and risk control.
We welcome the opportunity for you to experience our commitment to your success by contacting any member of our
team with your questions or requests.
Jennifer Fischer
Public Entity Underwriter
314-810-5675 jennifer.fischer@safetynational.com
Justin McCormack
Business Development Leader,
Southwest Region
972-239-2390 justin.mccormack@safetynational.com
Ariel Jenkins
AVP– Risk Services
314-692-1385 ariel.jenkins@safetynational.com
Todd McMillan
Vice President - Liability Claims
314-332-2358
todd.mcmillan@safetynational.com
Public Entity Excess Retained Limit Liability Insurance Proposal
We are pleased to present the following proposal for your consideration and review. This proposal is valid until the
effective date indicated in this proposal.
QUOTE INFORMATION
Issue Date: 12/13/2023
Attention: SAMUEL BONSER
Producer and Mailing Address: LOCKTON COMPANIES LLC
2100 ROSS AVENUE
SUITE 1400
DALLAS, TX 75201
From: Jennifer Fischer
Issuing Company: Safety National Casualty Corporation
1832 Schuetz Road
St. Louis, MO 63146
(888) 995-5300
Named Insured and
Mailing Address:
CITY OF DENTON
215 E. MCKINNEY
DENTON, TX 76201
Policy Period: 12/31/2023
12/31/2024
.
12:01 A.M. Standard Time at your mailing address shown above
Annual Premium: $ 418,541
Terrorism (additional): $ 5,377
$ 423,918
Commission: Net
Indicated premiums are based on all quoted Coverage Parts being bound according to the terms and conditions included
within this proposal. Any taxes, surcharges, assessments and other program costs are included within the premium
offered by Safety National Casualty Corporation. Please refer to the terms and conditions, as detailed within this proposal,
to identify the specific program component costs associated with each of these items.
Safety National may consider providing revised or additional quote options subject to further underwriting review and
approval. This proposal is valid until the effective date indicated in this proposal.
SUBJECTIVITIES
Receipt of signed terrorism form prior to binding.
Public Entity Excess Retained Limit Liability Insurance Proposal
GENERAL CONTINGENCIES AND COMMENTS
A.M. Best Rating A++ XV
MAP Client Services® The attached MAP Client Services® brochure(s) describe the value of the online
resources provided to Safety National policyholders. The City of Denton has $10,000 of
Risk Control Funds to use during this policy period.
Coverage Contingencies The casualty program is contingent upon also binding the Excess Workers’ Compensation
program with Safety National.
Premiums quoted are based on all coverages offered within this proposal by Safety
National and written by Safety National Casualty Corporation.
Installments/Payment
Schedule
All lines are on an ANNUAL PAYMENT. Premiums due within 30 days of binding.
Claims Administration CITY OF DENTON, TX will be the Third Party Administrator. TPA fees are NOT included
within the premium or costs of the quoted Safety National program.
Claims must be handled either by a licensed TPA or Self-Administered by experienced
claim handlers. Safety National must approve, in writing, the Claims Administration for all
Coverage Parts prior to binding.
Annual Audits Not auditable.
Coverages and Form Unless otherwise noted, all references in this proposal to policy coverage parts and forms,
depicts the product offering of Safety National. These may deviate from the coverage
requests or wording contained within the Producer Specifications or other portions of the
account submission. Any deviations from this proposal must be approved and authorized
by Safety National, in writing. For additional information on the products and services
proudly provided by Safety National, please visit our website: www.safetynational.com
COVERAGE HIGHLIGHTS
Admitted Paper
Coverage available for Automobile Liability, General Liability, Law Enforcement Liability, Public Officials And
Employment Practices Liability and Educators Legal Liability And Employment Practices Liability
Defense costs inside the Retained Limit and outside the Limits of Indemnity
Pay on behalf insurance form
Occurrence form with claims-made coverage available for Public Officials And Employment Practices Liability and
Educators Legal Liability And Employment Practices Liability
Who Is An Insured section tailored to exposures typical to public entities
Blanket additional insured where required by written contract available under the General Liability and Automobile
Liability Coverage Parts
Sexual abuse coverage available
Expanded pollution coverage for standard public exposures (hostile fire, sewer backup, water treatment
operations, street and road maintenance, weed abatement or spraying, mace, tear gas or pepper spray used in
law enforcement activities)
Expanded coverage for incidental medical exposures typical to public entities
Public Entity Excess Retained Limit Liability Insurance Proposal
SELF-INSURED RETAINED LIMIT
General Liability $ 500,000 Each occurrence
Automobile Liability $ 500,000 Each occurrence
Law Enforcement Liability $ 500,000 Each occurrence
Public Officials and Employment Practices
Liability $ 500,000 Each wrongful act
Educators Legal Liability and Employment
Practices Liability Not Covered Each wrongful act
LIMITS OF INDEMNITY
General Liability $ 5,000,000 Each occurrence
$ 500,000
Damage To Premises Rented To You, any one
premises
$ 5,000,000 General Liability Aggregate
$ 5,000,000 Products-Completed Operations Aggregate
Employee Benefits Liability
$ 5,000,000 Each employee
$ 5,000,000 Employee Benefits Annual Aggregate
Retroactive Date (if
applicable): 12/31/2021
Automobile Liability $ 5,000,000 Each occurrence
Law Enforcement Liability $ 5,000,000 Each occurrence
$ 5,000,000 Law Enforcement Liability Aggregate
Public Officials and Employment Practices
Liability $ 5,000,000 Each wrongful act
$ 5,000,000
Public Officials and Employment Practices
Liability Aggregate
Educators Legal Liability and Employment
Practices Liability Not Covered Each wrongful act
Not Covered
Educators Legal Liability and Employment
Practices Liability Aggregate
Public Entity Excess Retained Limit Liability Insurance Proposal
SCHEDULE OF FORMS AND ENDORSEMENTS
Form/Endorsement
Number Form/Endorsement Name
PEERLL 00 00 12 22 Public Entity Excess Retained Limits Liability Insurance Policy
SNIL PN 001 42 0723 Texas - Important Notice
PE 10 00 01 22 Public Entity Excess Retained Limits Liability Insurance Policy Declarations
CP 99 03 05 19 Commercial Policy Cover
PN 99 02 02 09 Privacy Statement
IL P 001 01 04 U.S. Treasury Department's Office Of Foreign Assets Control ("OFAC") Advisory Notice To
Policyholders
IL N 001 09 03 Fraud Statement
IL 10 06 12 08 Schedule Of Forms And Endorsements
PE 013 00 02 22 Employee Benefits Liability Coverage
PE 001 00 12 22 Additional Insured – Scheduled Contracts: White’s Welding LLC, and Its Subsidiaries and
Affiliates, PO Box 1761, Woodward, OK 73802 – Applies to GL and Auto Liability
Coverage Parts
PE 017 00 01 22 Special Notice of Cancellation Service Provided To Specified Individual(s) or Entity(ies):
White’s Welding LLC, and Its Subsidiaries and Affiliates, PO Box 1761, Woodward, OK
73802 – Applies to GL and Auto Liability Coverage Parts
PE 018 00 01 22 Primary and Noncontributory – Other Insurance Condition: White’s Welding LLC, and Its
Subsidiaries and Affiliates, PO Box 1761, Woodward, OK 73802 – Applies to GL and Auto
Liability Coverage Parts
Manuscript Failure To Supply - $2,000,000 per Occurrence / $4,000,000 Aggregate
POLICYHOLDER DISCLOSURE
NOTICE OF TERRORISM
INSURANCE COVERAGE
(Excess Liability)
You are hereby notified that under the Terrorism Risk Insurance Act of 2002, as amended, extended,
and/or re-authorized, you have a right to purchase insurance coverage for losses resulting from acts of
terrorism, as defined in Section 102(1) of the Act: The term “act of terrorism” means any act that is
certified by the Secretary of the Treasury – in concurrence with the Secretary of State and the Attorney
General of the United States – to be an act of terrorism; to be a violent act or an act that is dangerous
to human life, property, or infrastructure; to have resulted in damage within the United States, or outside
the United States in the case of certain air carriers or vessels or the premises of a United States mission;
and to have been committed by an individual or individuals as part of an effort to coerce the civilian
population of the United States or to influence the policy or affect the conduct of the United States
Government by coercion.
YOU SHOULD KNOW THAT WHERE COVERAGE IS PROVIDED BY THIS POLICY FOR LOSSES
RESULTING FROM CERTIFIED ACTS OF TERRORISM, SUCH LOSSES MAY BE PARTIALLY
REIMBURSED BY THE UNITED STATES GOVERNMENT UNDER A FORMULA ESTABLISHED BY
FEDERAL LAW. HOWEVER, YOUR POLICY MAY CONTAIN OTHER EXCLUSIONS WHICH MIGHT
AFFECT YOUR COVERAGE, SUCH AS AN EXCLUSION FOR NUCLEAR EVENTS. UNDER THE
FORMULA, THE UNITED STATES GOVERNMENT GENERALLY REIMBURSES 80% OF COVERED
TERRORISM LOSSES EXCEEDING THE STATUTORILY ESTABLISHED DEDUCTIBLE PAID BY
THE INSURANCE COMPANY PROVIDING THE COVERAGE. THE PREMIUM CHARGED FOR THIS
COVERAGE IS PROVIDED BELOW AND DOES NOT INCLUDE ANY CHARGES FOR THE PORTION
OF LOSS THAT MAY BE COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT.
YOU SHOULD ALSO KNOW THAT THE TERRORISM RISK INSURANCE ACT, AS AMENDED,
CONTAINS A $100 BILLION CAP THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT, AS WELL
AS INSURERS’ LIABILITY, FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM. IF
THE AGGREGATE INSURED LOSS FOR ALL INSURERS EXCEEDS $100 BILLION IN A CALENDAR
YEAR, YOUR COVERAGE MAY THUS BE REDUCED.
Acceptance or Rejection of Terrorism Insurance Coverage with regard to Excess Liability
I hereby elect to purchase terrorism coverage for a prospective premium of
$ 5,377.
I hereby decline to purchase terrorism coverage for certified acts of terrorism. I
understand that I will have no coverage for losses resulting from certified acts
of terrorism.
Safety National Casualty Corporation®
Applicant’s Signature Insurance Company
CITY OF DENTON
Insured Name
Date Signed