2026 CSDSIP Proposal - Boulder Valley.pdf (642 KB)

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2026 - 2027 Renewal Proposal Prepared for:

BOULDER VALLEY SCHOOL DISTRICT RE-2 April 29, 2026 Presented by: Colorado School Districts Self Insurance Pool's Underwriting Team Call us at 1-800-332-3556 Email us at Underwriting@csdsip.net 6857 South Spruce Street Centennial, CO 80112 303.722.7888 (fax) www.csdsip.org

I. INTRODUCTION Colorado School Districts Self Insurance Pool (CSDSIP) is pleased to present your insurance renewal for the July 1, 2026 - July 1, 2027 policy period. BOULDER VALLEY SCHOOL DISTRICT RE-2 has been a valued Member of ours since January 1, 1985. Our longstanding success is a direct result of your commitment to us, your application of sound risk management programs, and your dedication to provide a safe place to work and learn. We endeavor to provide the highest quality coverage and service to our Membership. It is our honor to be your chosen risk management partner. Our Renewal Proposal is a high-level overview of our coverages and your proposed limits, deductibles, and contributions. Please see our Renewal Considerations document to learn more about the current insurance market, our rating structure, how this proposal works, and items to consider when you select the coverage, limits, and deductibles that are right for you.

II. PROPERTY COVERAGE 2026-2027 Total Property Contribution $3,045,201 Property Coverage is a core CSDSIP coverage. This is a first-party coverage that applies to your real and business personal property that was damaged by a covered cause of loss, subject to the terms and provisions of the policy. Coverage is written on a special cause of loss form. Coverage is written on a per occurrence basis and there is no coinsurance factor.

PROPERTY PER OCCURRENCE PROPERTY LIMIT:

$1,000,000,000

CSDSIP LIMITS: CSDSIP Limits are the maximum limits we will pay for loss, regardless of the number of Members involved in an occurrence or the below specified peril occurrence Per Occurrence Flood – Per Occurrence and Annual Aggregate Limit *Except Flood Zone A Earth Movement – Per Occurrence and Annual Aggregate Limit

$1,000,000,000 $100,000,000 $100,000,000

PROPERTY LIMITS AND SUBLIMITS: Newly Constructed or Acquired Buildings & Structures – First 60 Days Newly Constructed or Acquired Buildings & Structures – After 60 Days Builder’s Risk or Property in the Course of Construction – Automatic Limit Extra Expense Including Business Income Ordinance or Law Increased Cost of Construction, Demolition and Debris Removal Damage to Premises Rented to You Garage Operations Coverage – Per Occurrence Limit

$25,000,000 $1,000,000 $1,000,000 $25,000,000 $25,000,000 $15,000,000 $500,000

$150,000

DEDUCTIBLES: Real and Business Personal Property & Premises Rented to You – Per Occurrence Windstorm or Hail Deductible – Per Occurrence Garage Operations – Per Vehicle/Per Occurrence

$100,000 No Separate Deductible Applies $500/$1K

DESCRIPTION OF PROPERTY COVERED:  

Real and Business Personal Property Property You Have an Insurable Interest or Obligation to Insure

VALUATION METHOD: • • •

Replacement Cost for Building and Contents (except as noted below) Actual Cash Value for Mobile Equipment Scheduled Value, Agreed Value, or Fair Market Value for Fine Arts

HIGHLIGHTS: 

Increased Limits for Builder’s Risk Available Upon Request

III. SCHOOL ENTITY LIABILITY (SEL) COVERAGE 2026-2027 Total SEL Contribution

$904,845

SEL Coverage is a core CSDSIP coverage. This is a third-party coverage that provides you with defense and indemnification on your behalf for claims asserted against you and other insureds (as defined by the coverage), subject to the terms and provisions of the policy. Coverage is written on an occurrence coverage form.

SCHOOL ENTITY LIABILITY COVERAGE LIMITS: Coverage A – General Liability Each Occurrence Limit Medical Payments Limit  Any One Person  Any One Accident AHERA – Each Occurrence and Annual Aggregate Limit (Defense Coverage Only) Coverage B – School Leaders Wrongful Act

$10,000,000 $1,000 $10,000 $25,000

$10,000,000

Per School Leaders Wrongful Act Limit Coverage C – Employment Wrongful Act

$10,000,000

Per Employment Wrongful Act Limit SHARED ANNUAL AGGREGATE LIMIT- School Entity Liability (SEL) Coverage & Sexual Abuse and Molestation (SAM) Liability Coverage

Applies to SEL Coverage A – General Liability Coverage, Coverage B – School Leaders Wrongful Act Coverage, Coverage C – Employment Wrongful Act Coverage and and Sexual Abuse and Molestation Liability Coverage Form’s Sexual Abuse and Molestation Liability Coverage.

DEDUCTIBLE: Each Occurrence, School Leaders Wrongful Act, or Employment Wrongful Act Claim COVERAGE BASIS:

$15,000,000

$10,000 Occurrence Form

PROVIDES COVERAGE FOR:  General Liability claims including Bodily Injury, Property Damage , Personal Injury and Advertising Injury Coverage; Errors & Omissions claims; and Employment Wrongful Acts claims.

Coverage can be endorsed to provide coverage for Armed School Employees if they meet our Armed School Employee Insurability Standards WHO IS AN INSURED:  Member, Board of Education, Employees and Volunteers within the scope of their duties for the Member

IV. SEXUAL ABUSE AND MOLESTATION LIABILITY COVERAGE Sexual Abuse and Molestation Liability Coverage is a core CSDSIP coverage. This is a third-party coverage that provides you with defense and indemnification on your behalf for claims asserted against you and other insureds (as defined by the coverage) regarding alleging sexual abuse and molestation, subject to the terms and provisions of the policy. Coverage is written on a claims-made coverage form.

SEXUAL ABUSE AND MOLESTATION LIABILITY COVERAGE LIMITS: Each Sexual Abuse and Molestation Claim

$10,000,000

SHARED ANNUAL AGGREGATE LIMIT – School Entity Liability (SEL) Coverage & Sexual Abuse and Molestation (SAM) Liability Coverage

Applies to SEL Coverage A – General Liability Coverage, Coverage B – School Leaders Wrongful Act Coverage, Coverage C – Employment Wrongful Act Coverage and Sexual Abuse and Molestation Liability Coverage Form’s Sexual Abuse and Molestation Liability Cover age.

$15,000,000

DEDUCTIBLE: Each Sexual Abuse Event COVERAGE BASIS:

Retroactive Date

$10,000

Claims-Made Coverage 07/01/2025

WHO IS AN INSURED:  Member  Board of Education  Volunteers While Acting at Your Direction  Employees and Student Teachers for Acts Within the Scope of Employment  Students in a Supervised Internship as Part of Their Educational Curriculum

V. EMPLOYEE BENEFITS LIABILITY COVERAGE We are pleased to be able again to offer Employee Benefits Liability Coverage extension. This additional coverage is included in your CSDSIP annual contribution. Employee Benefits Liability Coverage is a core CSDSIP coverage. This is a third -party coverage that provides you with defense and indemnification on your behalf for claims asserted against you alleging negligent acts, errors or administration of your employees while administering your employee benefits program, subject to the terms and provisions of the policy. Coverage is written on a claims-made coverage form.

EMPLOYEE BENEFITS LIABILITY COVERAGE LIMITS: Per Claim Limit Annual Aggregate Limit

$250,000 $500,000

DEDUCTIBLE: Each Occurrence Claim

$10,000

COVERAGE BASIS:

Claims-Made Coverage

Retroactive Date

07/01/2007

VI. SCHOOL AUTO COVERAGE 2026-2027 Total School Auto Contribution

$223,575

School Auto Coverage is a core CSDSIP coverage. Auto Liability Coverage is a third-party coverage that provides you with defense and indemnification on your behalf for bodily injury and property damage claims arising out of the use of covered autos, subject to the terms and provisions of the policy. Coverage can also be added for additional contribution for Auto Physical Damage and Auto Terminal Coverage. Auto Physical Damage is a first-party coverage that provides coverage for damage to your autos for covered causes of loss, subject to the terms and provisions of the policy. Auto Terminal Coverage is a first-party coverage that provides coverage for damage to your autos when caused by specified perils subject to a per auto/ per occurrence deductible, subject to the terms and provisions of the policy. Coverage is written on a per occurrence coverage form.

SCHOOL AUTO COVERAGE LIM ITS: Auto Bodily Injury and Property Damage Liability – Per Accident Medical Payments – Per Person

$2,000,000

Auto Physical Damage – Per Vehicle Limit*

$5,000 Per Schedule

Terminal Coverage – Per Occurrence Limit*

$30,282,302

DEDUCTIBLES: Bodily Injury and Property Dam age Liability – Per Accident

$10,000

Auto Physical Damage – Per Vehicle

$100,000

Terminal – Per Vehicle/Per Occurrence

$1K/$10K

LOSS CONDITIONS FOR AUTO PHYSICAL DAM AGE & AUTO TERM INAL COVERAGE: Losses Adjusted on Actual Cash Value Basis *Losses subject to CSDSIP Per Occurrence Lim it & CSDSIP Sublimits as O utlined on the Property Sum mary Page

HIGHLIGHTS: 

Coverage Included for Hired/Non -Owned, Borrowed and Leased Autos

 

Non-Owned Auto Liability Extends to A utos Owned by Em ployees, Volunteers, and Student Interns Fleet Autom atic Coverage – Contributions W ill Not be Adjusted for Additions or Deletions of Autos Acquired or Sold During this Policy Period

VII. EQUIPMENT BREAKDOWN COVERAGE 2026-2027 Total Equipment Breakdown Contribution

$76,125

Equipment Breakdown Coverage is an optional CSDSIP coverage. It is a first-party coverage

that provides coverage for damage to your buildings and contents caused by sudden and accidental mechanical breakdown to equipment that uses power or vacuum, subject to the terms and provisions of the policy. Coverage is written on a per breakdown coverage form.

EQUIPMENT BREAKDOWN

Coverage, Inspections, and Claims Provided By XL Insurance America, Inc.

Insurance Company, Limits, Deductibles, & Coverages Subject to Change

TOTAL LIMIT PER BREAKDOW N:

$250,000,000

SUBLIMITS: Sublimits are the maximum amount payable for damage caused by a designated peril and do not increase the $250,000,000 Total Limit Per Breakdown. Property Damage

INCLUDED in Total Limit Per Breakdown

Expediting

INCLUDED in Total Lim it Per Breakdown

Off Premises Equipment Coverage Spoilage Damage  Utility Interruption – Spoilage Coverage Applies Only if the Interruption Last at Least (Waiting Period) Ordinance or Law (Including Demolition and Increased Cost of Construction) Hazardous Substances Electronic Data or Media Newly Acquired Locations  Number of Days of Coverage

$5,000,000 INCLUDED in Total Limit Per Breakdown

Business Income  Business Interruption “Period of Restoration” Extension Extra Expense  Extra Expense “Period of Restoration” Extension Utility Interruption – Time Element  Utility Interruption – Spoilage Coverage Applies Only if the Interruption Last at Least (Waiting Period)

INCLUDED in Total Limit Per Breakdown  365 Days

$10,000,000 $10,000,000 $5,000,000 INCLUDED in Total Limit Per Breakdown  365 Days

INCLUDED in Total Limit Per Breakdown  365 Days INCLUDED in Total Limit Per Breakdown

DEDUCTIBLES: All Coverage Under the Equipment Breakdown Protection Coverage Form Except as Noted Below

$10,000 Combined Deductible

Solar Equipment

$25,000 Per Breakdown

Geothermal Equipment

$50,000 Per Breakdown

VIII. SCHOOL CRISIS ACT COVERAGE We are pleased to be able to again offer this coverage extension to our Membership as part of your CSDSIP annual contribution. School Crisis Act Coverage is a core CSDSIP coverage. This is a unique first-party coverage that reimburses you for expenses resulting from a school crisis act that would not be covered under a traditional property or liability claim, subject to the terms and provisions of the policy. Such expenses may include media specialist, extra administrative labor costs, legal consultation fees, and extraordinary travel expenses. Coverage is written on an occurrence coverage form.

SCHOOL CRISIS ACT COVERAGE LIMITS: Each School Crisis Act Limit Pool Annual Aggregate Limit

$250,000 $250,000

XI. SUPPLEMENTARY COVERAGE SECTION We are able to offer a broad spectrum of insurance by partnering with other insurance companies to provide our Members with coverage for Primary & Excess Crime; Nuclear, Chemical, Biological, Biochemical Acts of Terrorism (NCBR); Pollution; and Cyber. These coverages complement our core coverage offerings. Our supplementary coverages (with the exception of Primary Crime) are issued by and insured under insurance policies provided by third-party insurance companies. They are stand-alone insurance policies with their own Declarations Page, Conditions, Insuring Agreements, and Endorsements. We are able to provide you with information regarding your quote, but we do not have binding authority or the ability to make coverage decisions. Participating insurance companies, limits, deductibles, coverage grants, and coverage offered listed in this proposal are subject to change. We will endeavor to notify you of the changes as they occur. Participating insurance companies underwrite each supplemental coverage based upon the information you provided during the Renewal process. Members who successfully submitted the application and have been approved by the participating insurance company receive supplementary coverages as part of your CSDSIP annual contribution. Coverage is provided only if an amount is shown in the Limits section of the supplementary coverage. If the section is left blank or reads “No Coverage”, the coverage does not apply to you. Claim adjustment for the supplementary coverages is provided by each insurance company. Our CSDSIP Claims Team will assist you in the reporting of your claim to the appropriate company.

a. PRIMARY CRIME 2026-2027 Primary Crime Contribution

$3,236

Primary Crime Coverage is an optional CSDSIP coverage. This is a first-party coverage for claims of theft of money and securities, subject to the terms and provisions of the policy. Coverage is written on a discovery form.

PRIMARY CRIME COVERAGES

LIMITS PER LOSS

A. Employee Theft – Per Loss Coverage B. Forgery or Alteration C. Inside the Premises – Theft of Money & Securities D. Inside the Premises – Robbery or Safe Burglary of Other Property E. Outside the Premises F. Computer Fraud G. Funds Transfer Fraud H. Money Orders & Counterfeit Money I. Telephone Toll Fraud J. Claims Expense K. Destruction of Electronic Data or Computer Programs ADDITIONAL COVERAGES: These additional coverages are included in the limits stated above:  Credit, Debit or Charge Card Forgery  Faithful Performance of Duty Coverage for Governmental Employees  Funds Transfer Fraud – False Pretenses

DEDUCTIBLE PER LOSS

$100,000 $100,000 $100,000 $100,000

$500 $500 $500 $500

$100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000

$500 $500 $500 $500 $500 $500 $500

$100,000

$500

b. EXCESS CRIME 2026-2027 Excess Crime Contribution $1,223 Excess Crime Coverage is an optional CSDSIP coverage. The $1,000,000 Limit Per Loss Crime Coverage is a supplementary coverage provided in alliance with The Hanover Insurance Company. These limits exceed the $100,000 Limit provided in our CSDSIP Crime Coverage. This is a first-party coverage for claims of theft of money and securities, subject to the terms and provisions of the policy. Coverage is written on a discovery form.

EXCESS CRIME COVERAGES Employee Theft – Per Loss Coverage Forgery or Alteration Inside the Premises – Theft of Money & Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises Computer Fraud Funds Transfer Fraud Money Orders & Counterfeit Money ADDITIONAL COVERAGES: These additional coverages are included in the limits stated above:  Credit, Debit or Charge Card Forgery  Faithful Performance of Duty Coverage for Governmental Employees  Funds Transfer Fraud – False Pretenses These additional coverages are added by endorsement:  Telephone Toll Fraud  Claims Expense  Destruction of Electronic Data or Computer Programs

LIMITS PER LOSS

DEDUCTIBLE PER LOSS

$1,000,000 $1,000,000 $1,000,000 $1,000,000

$100,000 $100,000 $100,000 $100,000

$1,000,000 $1,000,000 $1,000,000 $1,000,000

$100,000 $100,000 $100,000 $100,000

$250,000

$100,000

$1,000,000 $25,000 $1,000,000

$100,000 $100,000 $100,000

c. NUCLEAR, CHEMICAL, BIOLOGICAL, BIOCHEMICAL ACTS OF TERRORISM Nuclear, Chemical, Biological, Biochemical Acts of Terrorism (NCBR) Coverage is a supplementary coverage provided in alliance with HISCOX Insurance Company, Inc. This coverage is primary for terrorist events and includes the perils of nuclear, chemical, biological and biochemical acts related to terrorist acts, subject to the terms and provisions of the policy. The coverage provides for costs to decontaminate, demolish, debris removal and repair your scheduled locations that are damaged by a covered act of terrorism. It also provides defense and indemnity for liability claims for bodily injury and/or property damage arising out of a covered act of terrorism. Coverage is written on a claims-made coverage form and applies to new terrorist events only.

NUCLEAR, CHEMICAL, BIOLOGICAL, BIOCHEMICAL ACTS OF TERRORISM COVERAGE LIMITS: Section 1 – Property Coverage Section 2 – Business Income and Extra Expense Section One – Terrorism Liability – Claims Made Coverage (Defense is included within the limit) CSDSIP’s Pool Limits The maximum limit that we will pay regardless of the number of Members involved in any one or multiple occurrences Per Occurrence & Annual Aggregate DEDUCTIBLES: Section 1 – Property Coverage Section 2 – Business Income and Extra Expense Section One – Terrorism Liability

COVERAGE BASIS:

Retroactive Date

TIV up to $10,000,000 TIV up to $10,000,000 $10,000,000

$10,000,000

$100,000 $100,000 $10,000 48 Hour Waiting Period

Claims-Made Coverage

07/01/2013

d. POLLUTION Pollution Coverage is a supplementary coverage offered in alliance with Beazley ECLIPSE Insurance Company. The coverage includes claims, remediation costs, and associated legal defense expense arising out of a covered pollution condition on, at or under or migrating from your covered location, subject to the terms and provisions of the policy. Coverage is written on a claims-made coverage form and applies to new pollution conditions only.

POLLUTION COVERAGE: I.A.1. New Pollution Conditions – Bodily Injury/Property Damage & Cleanup I.A.2. New Pollution Conditions – 1st Party Discovery I.B.1. Existing Pollution Conditions – Bodily Injury/Property Damage & Cleanup I.B.2. Existing Pollution Conditions – 1st Party Discovery I.C. Transportation I.D. Non-Owned Location I.E. Crisis & Reputation Management Expense I.F. Business Interruption Costs COVERAGE LIMITS: Each Pollution Condition – Includes Claims Expenses Aggregate Sublimit of Liability for Each Named Insured CSDSIP’s Pool Limits Aggregate for the Policy Period – Includes Claims Expenses Crisis & Reputation Management Expenses Coverage – Each Pollution Condition Sublimit Period of Restoration

$1,000,000 $1,000,000 $10,000,000 $500,000 365 Days

SELF-INSURED RETENTION: I.A. through I.E. Each Pollution Condition – Includes Claims Expense I.F. Deductible Period COVERAGE BASIS:

Retroactive Date – Applies Per Location Coverage applied with retroactive date stated here or the date the location was added to Pollution Policy, whichever is later.

$50,000 3 Days

Claims-Made Coverage

07/01/2013

HIGHLIGHTS:  Underground Storage Tanks Can Be Purchased Separately W ith Additional Application and Approval  Landfills Can Be Added to the Policy With Additional Application and Approval

Coverage can extend to mold claims if Member follows our Water Intrusion & Mold Plan Coverage is excluded for perfluoroalkyl and polyfluoroalkyl substances (PFAS).

e. CYBER Cyber Coverage is a supplementary coverage offered in alliance with Hamilton/ Lloyd’s Underwriter Syndicate No. 4000 HAM (Hamilton). Coverage applies to both first and third-party claims, is written on a claims-made basis and applies to new cyber events only, subject to the terms and provisions of the policy. Coverage limits and deductibles are determined by compliance is based upon your answers to their Minimum Controls Requirements section. Compliant Members receive higher limits and lower deductibles, while Non-Compliant Members receive lower limits and higher deductibles.

CYBER COVERAGE LIMITS: Security & Privacy Liability Coverage Privacy Regulatory Claims Coverage Security Breach Response Coverage Multimedia Liability Coverage Cyber Extortion Coverage Business Income and Digital Asset Restoration Coverage PCI DSS Assessment Coverage

$1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000

Annual Aggregate

Includes Claims Expenses CSDSIP’s Pool Limits The maximum limit that we will pay regardless of the number of Members involved in any one or multiple occurrences

$1,000,000

$10,000,000

RETENTION:

Each & Every Claim (including Claims Expenses) Waiting Period for Business Income & Digital Asset Restoration COVERAGE BASIS:

Retroactive Date

$50,000 10 Days

Claims-Made Coverage 07/01/2014

X. CONTRIBUTION SUMMARY This Contribution Summary compares your total annual contribution for coverage as bound July 1, 2025 (it does not reflect any mid-term changes that you may have made) against your proposed July 1, 2026 total annual contribution. The proposed contribution does not reflect any optional quotes that coverage may be bound with.

BOULDER VALLEY SCHOOL DISTRICT RE-2

7/1/25 - 7/1/26

7/1/26 - 7/1/27

$3,202,096

$3,045,201

EQUIPMENT BREAKDOWN:

$109,315

$76,125

SCHOOL ENTITY LIABILITY:

$591,870

$904,845

SEXUAL ABUSE AND MOLESTATION LIABILITY:

INCLUDED

EMPLOYEE BENEFITS LIABILITY:

INCLUDED

SCHOOL AUTO:

$232,581

$223,575

SCHOOL CRISIS ACT:

INCLUDED

NUCLEAR, CHEMICAL, BIOLOGICAL, BIOCHEMICAL ACTS OF TERRORISM:

INCLUDED

PRIMARY & EXCESS CRIME:

$3,236

POLLUTION:

INCLUDED

CYBER:

INCLUDED

TOTAL ANNUAL CONTRIBUTION:

$4,139,098

$4,252,982

PROPERTY:

XI. CHARTER SCHOOL COST ALLOCATION

This Contribution Summary is a one-page contribution comparison. It compares your total annual contribution for coverage as bound July 1, 2025 (it does not reflect any mid-term changes that you may have made) against your proposed July 1, 2026 total annual contribution. The proposed contribution does not reflect any optional quotes that coverage may be bound with. Boulder Justice High School

7/1/25 - 7/1/26

PROPERTY:

7/1/26 - 7/1/27

$12,232

$11,457

EQUIPMENT BREAKDOWN:

$600

SCHOOL ENTITY LIABILITY:

$3,452

$4,172

SEXUAL ABUSE AND MOLESTATION LIABILITY:

INCLUDED

EMPLOYEE BENEFITS LIABILITY:

INCLUDED

$2,393

SCHOOL CRISIS ACT:

INCLUDED

NUCLEAR, CHEMICAL, BIOLOGICAL, BIOCHEMICAL ACTS OF TERRORISM:

INCLUDED

PRIMARY & EXCESS CRIME:

$3,236

POLLUTION:

INCLUDED

CYBER:

INCLUDED

$21,913

$21,858

SCHOOL AUTO:

TOTAL ANNUAL CONTRIBUTION: Notes:

Please be advised this charter school breakout: · Is provided to you as a cost allocation only. This document is provided for reference purposes only. · Reflects the District’s shared limits, deductibles and loss experience modifiers. · Any allocations for Equipment Breakdown, Crime, Auto Liability (Hired & Non-Owned) Coverages might be minimum contributions and could be the same as the District was charged. Should Boulder Justice High School choose to insure separate from the District and directly through CSDSIP, your contributions will be higher than those reflected in the cost allocation above. Member No: 0713 17

Boulder Preparatory High School Charter School PROPERTY:

7/1/25 - 7/1/26

7/1/26 - 7/1/27

$10,183

$9,542

EQUIPMENT BREAKDOWN:

$600

SCHOOL ENTITY LIABILITY:

$3,580

$4,108

SEXUAL ABUSE AND MOLESTATION LIABILITY:

INCLUDED

EMPLOYEE BENEFITS LIABILITY:

INCLUDED

$3,436

$3,330

SCHOOL CRISIS ACT:

INCLUDED

NUCLEAR, CHEMICAL, BIOLOGICAL, BIOCHEMICAL ACTS OF TERRORISM:

INCLUDED

PRIMARY & EXCESS CRIME:

$3,236

POLLUTION:

INCLUDED

CYBER:

INCLUDED

$21,035

$20,816

SCHOOL AUTO:

TOTAL ANNUAL CONTRIBUTION: Notes:

Please be advised this charter school breakout: · Is provided to you as a cost allocation only. This document is provided for reference purposes only. · Reflects the District’s shared limits, deductibles and loss experience modifiers. · Any allocations for Equipment Breakdown, Crime, Auto Liability (Hired & Non-Owned) Coverages might be minimum contributions and could be the same as the District was charged. Should Boulder Preparatory High School Charter School choose to insure separate from the District and directly through CSDSIP, your contributions will be higher than those reflected in the cost allocation above.

Member No: 0709 18

Horizons K-8 School

7/1/25 - 7/1/26

7/1/26 - 7/1/27

PROPERTY:

$39,790

$37,423

EQUIPMENT BREAKDOWN:

$1,336

$918

SCHOOL ENTITY LIABILITY:

$9,592

$12,894

SEXUAL ABUSE AND MOLESTATION LIABILITY:

INCLUDED

EMPLOYEE BENEFITS LIABILITY:

INCLUDED

$1,196

SCHOOL CRISIS ACT:

INCLUDED

NUCLEAR, CHEMICAL, BIOLOGICAL, BIOCHEMICAL ACTS OF TERRORISM:

INCLUDED

PRIMARY & EXCESS CRIME:

$3,236

POLLUTION:

INCLUDED

CYBER:

INCLUDED

$55,150

$55,667

SCHOOL AUTO:

TOTAL ANNUAL CONTRIBUTION: Notes:

Please be advised this charter school breakout: · Is provided to you as a cost allocation only. This document is provided for reference purposes only. · Reflects the District’s shared limits, deductibles and loss experience modifiers. · Any allocations for Equipment Breakdown, Crime, Auto Liability (Hired & Non-Owned) Coverages might be minimum contributions and could be the same as the District was charged. Should Horizons K-8 School choose to insure separate from the District and directly through CSDSIP, your contributions will be higher than those reflected in the cost allocation above.

Member No: 0710 19

Summit Middle School Program Charter School PROPERTY:

7/1/25 - 7/1/26

7/1/26 - 7/1/27

$42,082

$39,308

EQUIPMENT BREAKDOWN:

$1,414

$965

SCHOOL ENTITY LIABILITY:

$8,955

$12,798

SEXUAL ABUSE AND MOLESTATION LIABILITY:

INCLUDED

EMPLOYEE BENEFITS LIABILITY:

INCLUDED

$1,196

SCHOOL CRISIS ACT:

INCLUDED

NUCLEAR, CHEMICAL, BIOLOGICAL, BIOCHEMICAL ACTS OF TERRORISM:

INCLUDED

PRIMARY & EXCESS CRIME:

$3,236

POLLUTION:

INCLUDED

CYBER:

INCLUDED

$56,883

$57,503

SCHOOL AUTO:

TOTAL ANNUAL CONTRIBUTION: Notes:

Please be advised this charter school breakout: · Is provided to you as a cost allocation only. This document is provided for reference purposes only. · Reflects the District’s shared limits, deductibles and loss experience modifiers. · Any allocations for Equipment Breakdown, Crime, Auto Liability (Hired & Non-Owned) Coverages might be minimum contributions and could be the same as the District was charged. Should Summit Middle School Program Charter School choose to insure separate from the District and directly through CSDSIP, your contributions will be higher than those reflected in the cost allocation above.

Member No: 0712 20

XI. OPTIONAL QUOTES You did not request any optional quotes.

Boulder Valley School District RE-2

XII. BINDING COVERAGE

I m portant Flood Disclosure:

Any of your properties that have a Flood Zone A designation assigned must also be insured by the National Flood Insurance Program (NFIP) to receive the flood coverage afforded by CSDSIP. NFIP coverage must be purchased for each of the NFIP eligible properties designated with a Flood Zone A. If you have any questions regarding flood coverage, please contact our Underwriting Team. It is understood and acknowledged that this proposal provides only a summary of coverage and is not an insurance policy. The actual coverage forms will contain the specified coverages, deductibles, limits, terms, conditions, and exclusions. By returning a signed copy of this page, you: • Affirm that the values, schedules, and other data contained in and attached to this proposal are an accurate representation of your exposures. • Affirm that you have reviewed the coverages, limits (including building and contents values), and deductibles that you are selecting as this is solely your decision. • Affirm that you understand and acknowledge the potential increased cost that you are assuming by taking any optional quotes you have selected. • Affirm that any material changes since you submitted your Renewal Packet have been submitted immediately to us in writing. • Authorize CSDSIP to bind the proposed coverage for the 7/1/26 – 7/1/27 policy period as outlined in this Renewal Proposal along with any changes you have initialed on the Optional Quote pages that you return with this page. To bind coverage, please submit the following pages of your Renewal Proposal to our Underwriting Team no later than June 30, 2026: • Your Contribution Summary page. • Your Optional Quotes page if you want to bind with any Optional Quotes. We ask that you please initial each optional quote that you would like us to bind coverage with. • Your signed Binding Coverage page. My signature below acknowledges that I understand and agree to this Renewal Proposal and that I am authorized to sign this application on behalf of the Member. _________________________________________________________ Signature

Boulder Valley School District RE-2

____________________ Date

XIII. DISCLOSURES •

This proposal sets forth a general outline of the insurance coverage you have requested based on the information you provided us.

•

The Renewal Application and its attachments as well as all other documents created and received in the renewal process shall be the basis of a contract should a policy providing the requested coverage be issued and shall be deemed to be attached to and shall form a part of any such policy. We have relied upon this application, its attachments, and such other information submitted therewithin issuing any policy.

•

The information requested in our Renewal Packet is for underwriting purposes only and does not constitute notice of a claim or potential claim to us.

•

The description of coverage enclosed is a summary only and is not an insurance policy. Although this proposal generally describes the insurance coverage provided under the coverage forms, this proposal does not contain a complete, detailed statement or description of all the terms, coverages, exclusions, limitations, or conditions of the coverage forms. The current coverage forms are available for your review, and we encourage you to review them.

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You will be informed of any coverage or limit decrease in a timely fashion. Sudden and/or unexpected changes in the reinsurance or excess insurance market may prevent us from doing so. The coverage, terms, conditions, and limits may change as a result prior to the renewal date.

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Membership requires the purchase of all coverages in this proposal except Equipment Breakdown, Primary Crime, Excess Crime, Pollution, and Cyber Coverages.

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CSDSIP recommends that Members analyze their current exposures in relation to the coverages, limits, and deductibles carried. The coverages, limits, and deductibles that will be implemented in your policy will be those that you select.

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In the event of any conflict between the enclosed description of coverage and the policy, the provisions contained in the policy will govern.

Boulder Valley School District RE-2

XIV. DEVELOPMENTS AND CHANGES It is important that you contact our Underwriting Team with any substantial change in your operations, which may have a bearing on the adequacy or validity of your insurance. Examples of changes that should be communicated to us include the following: •

Circumstances that may require increased liability insurance limits, such as extensive travel outside of the state, charter schools or new products such as items built by students in industrial arts classes.

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Any new premises whether purchased, occupied, leased, or anticipated new construction.

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Any changes to existing premises including vacancy (temporary or permanent), alterations, additions, or remodels.

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Any newly assumed contractual liability or proposed granting of indemnities or hold harmless agreements. Examples include intergovernmental agreements, leases, or lease purchase contracts.

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Any property value increase exceeding $1,000,000 during the policy period must be reported within 30 days for coverage to be provided. This applies to newly acquired buildings, newly constructed buildings, upon receipt of certificate of occupancy, building remodel or addition, or acquisition of equipment or business personal property, such as contents.

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Any acquisition of vacant land during the policy period must be reported within 30 days for coverage to be provided.

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Any changes in fire or theft systems or alarms, such as installation, disconnection, or alterations.

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Any installation of alternative energy systems such as geothermal, wind turbines, and solar panels and arrays.

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Addition of any medical clinics operated by you or the addition of staff of any medical doctors.

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Addition of any Armed School Personnel or Armed Security Guards employed by the Member.

Boulder Valley School District RE-2