CIBA Broker Update 2017

The CIBA Program
BROKER UPDATE
1
CIBA Insurance Services
2017-2019 Program Year

Updates
1. 2017-2019 Underwriting Territories
2. 2017-2019 Program Update
3. 2017-2019 Program Insurance
Specifications
4. 2017-2019 Participating Carriers
5. 2017-2019 A.M. Best Carrier Ratings
6. 2017-2019- Coverage Comparison
7. Underwriting Appetite
8. Broker Portal & Support
9. Added Benefits
2

3
2017 CIBA Program Availability
The CIBA Program continues to be offered in all states except Alaska. State specific exclusions shown below:
* Neither Property nor Liability written in NYC

4
2017-2019 Program Update
All Risk Property (Excluding Earthquake, Flood and Terrorism)
The program continues to have primary and excess limits of $1 billion per occurrence,
with additional coverage, if the $1 billion per occurrence in limits is ever exceeded. This
additional coverage is now $150 million per CIBA member. This limitation only affects
CIBA members whose portfolio insured under the CIBA program exceeds $150 million in
total insured values. Additional excess dedicated limits are available.
The primary insurer will continue to be Everest National Insurance Company. There are
no coverage changes to the policy forms and endorsements, except for the following:
The following is a summary of the enhancements and coverage changes
for the March 31, 2017 to March 31, 2019 Program Year:

5
Named Windstorm Coverage is Available in More Areas
The CIBA 2017-2018 Property Program includes Named Windstorm coverage except for
locations in Tier 1 and 2 counties. Named Windstorm coverage can be added to locations
in Tier 1 and 2 counties by endorsement (except for the state of Florida).
Previous restrictions in Texas, Alabama, Louisiana and Mississippi have been eliminated.
If you have a renewal location in a Tier 1 or 2 county, look for the Named Windstorm
Extension Endorsement. If this is endorsement is not provided and you would like a
renewal quote including Named Windstorm, contact your CIBA underwriter.

6
Optional Earthquake and Flood that apply exclusively to each Member
The CIBA 2017-2018 Property Program can include optional endorsements for
Earthquake and Flood (excluding NFIP Special Flood Hazard Areas). Each CIBA
member can get up to $10 Million in Flood or Earthquake sub-limits that are dedicated to
that member’s CIBA portfolio, except in California.
CIBA continues to offer an Earthquake/Flood program in California that provides
dedicated Earthquake and Flood limits up to $5 Million per Location.
General Liability
The primary carrier continues to be Aspen Specialty Insurance Company. The primary
limits are $1,000,000 per occurrence/$2,000,000 location general aggregate, except a
$2,000,000/$4,000,000 option is available for qualifying condominium associations in
California to meet requirements under the Davis-Sterling Act.

7
Excess General Liability/Umbrella
The lead insurance company continues to be Allied World, offering limit of options of $5
million or $10 million and with the option to add excess Directors’ & Officers’ Liability,
Excess Automobile Liability and Excess Employers Liability via endorsement for
additional premium.
Excess General Liability limits are available up the $75,000,000.
Crime
Optional Crime coverage continues to be available with shared limits up to $25,000 per
CIBA member with a $250,000 program aggregate.
Thank you for your continued support of the CIBA Program. Should you have any
questions, please contact your Underwriter/Underwriting Assistant team for assistance

8
Basic Property (All Risks Excluding Earthquake & Flood)
Property Coverage: (Property or Interest Insured)
Replacement Cost, Building Ordinance & Debris Removal Coverage on all Real & Personal Property;
Rental Income/Value; Extra Expense; Electronic Data Processing Equipment & Media; Accounts
Receivable; Fine Arts; Valuable Papers & Records; Equipment Breakdown and Data
Compromise/Network Security Liability
2017-2019 Program Insurance Specifications
Extended Real & Personal Property Coverage Includes
• Structures
• Completed Additions
• Permanently Installed Fixtures, Machinery &
Equipment
• Utility Installations including Outbuilding
Lights & Equipment
• Underground Pipes, Flues & Drains
• Foundations & Supports
• Personal Property used to maintain Property
or Premises
• Glass, Signs and Outdoor Equipment & Fixtures
• Fences, Boardwalks and Monuments
• Retaining Walls, Roadways or other Paved or
Concrete Surfaces
• Swimming Pools, Saunas, Tennis Courts,
Playgrounds and Recreational Facilities
• Landscaping, Trees, Shrubs, Plants & Lawn
• Additions Under Construction, Temporary
Structures, Alterations & Repairs to any Building
Structure, Materials, Equipment & Supplies for
Additions to Buildings or Structures (subject to
sublimit)

9
Coverage Limits
• Up to $150,000,000 per occurrence maximum per Member Account
Identification Number (AIN) with automatic reinstatement, unless limited
by the policy, or a Real Property Replacement Cost Limitation (BRC)
Endorsement, if attached.
• Covering:
• Real Property, including Improvements & Betterments
• Building Owner/Lessor’s Business Personal Property
• Rental Income / Value (24 Month Limitation)
• Extended Period of Indemnity 180 days (365 Days available by
endorsement)
Refer to
Declarations Page

10
Sub Limits
Valuable Papers $100,000
Accounts Receivable $250,000
Professional Fees $100,000
Pollution Cleanup & Removal Costs
Except Asbestos Removal
$100,000
$25,000
Landscaping,Trees, Shrubs, Plants & Lawns
Maximum Per Item Limit: Per Tree or Lawn
Per Shrub or Plant
$250,000
$10,000
$500
Pools, Tennis Courts, Playground & Recreational Equipment $500,000
Debris Removal Costs 25% of Loss Amount
Up To
$5,000,000

11
Sub Limits Cont.
Building Ordinance, Demolition & IncreasedCosts of Construction. Applies Unless an Endorsement
with Lower Sub Limits is Specified on the DeclarationsPage, in which case, the Lower Sub Limits
Stated in the Endorsement Will Apply.
CoverageA: UndamagedPortion
CoverageB: Demolition
CoverageC: IncreasedCost of Construction
CoverageD: Loss of Income
Included
Up to $10,000,000
combined limit for B, C and D added by
endorsement
Additions Under Construction, Alterationsand Repairs $25,000
Emergency Vacating Expense $100,000
Tenant Relocating Expense
Maximum Payment Per Unit:
$100,000
$5,000
Locks and Keys $25,000
BusinessPersonal Property including Fine Arts at location describedin the Declarations Page
BusinessPersonal Property while off Premises or in Transit
$100,000
Higher limit available by endorsement
$100,000
Off-Premises Services Interruption $100,000
Fire Fighting Materials or Expenses $100,000
IncreasedTax Liability for Rental Income $25,000
Back Up of Sewers or Drains $100,000
(Up to $1,000,000 available by
endorsement)

12
Insuring Terms & Coverage Features
• All Risk Coverage including Earthquake Sprinkler Leakage (EQSL), Equipment Breakdown
and Data Compromise Coverage, excluding Earthquake and Flood, with other exclusions as
provided in the policy
• Replacement Cost Coverage - No same site provision
• No Co-Insurance Provision
• Rental Income Coverage includes 180 days extended period of indemnity
• Building Ordinance Coverage including increased costs of construction, demolition, and
value of undamaged building sections requiring demolition
Important Exclusions
• Loss from Named Windstorm in Tier 1 and 2 Coastal Counties is excluded, but is available
as an optional coverage in all states except Florida.
• Earthquake and Flood are excluded, but are available as an optional coverage under CIBA’s
Comprehensive Property program.

13
Deductible Amounts (minimums — see Declarations Page and endorsements for
applicable deductibles for each location)
Other Coverage Included
• Equipment Breakdown - $7,500,000 Per Location Per Occurrence (Up to $50,000,000 available by
endorsement)
Data Compromise Coverage: (Can opt out)
Designed to help respond to the financial burden and service obligations of a data breach or computer attack
Section 1: Response Expense
$50,000 annual aggregate per account
$2,500 deductible each “Personal Data Compromise”
Sub limits: any single “Personal Data Compromise,” subject to
account annual aggregate:
Named Malware: $50,000
Forensic IT Review: $5,000
Legal Review: $5,000
Public Relations Service: $5,000
$5,000 Per Location Per Occurrence – (Optional Deductible Amount Available)
$10,000 Per BuildingPer Occurrence – On Vacant or Unoccupied Properties (Minimum Deductible)
Higher deductibles may apply to specific causes of loss – see Declaration Page for applicable deductibles

14
Data Compromise Coverage – continued….
• Section 2: Defense and Liability
• $50,000 annual aggregate per account
• $2,500 deductible each “Data Compromise Suit”
• Sub limits: any single “Personal Data Compromise,” subject to account annual aggregate:
Named Malware: $50,000
Forensic IT Review: $5,000
Legal Review: $5,000
Public Relations Service: $5,000
CyberOne™ Network Security Liability: protects against third-party liabilities as a result of a failure of system
security for costs of defense, settlement and judgment.
$50,000 annual aggregate per account
$5,000 deductible per occurrence
• Named Windstorm Coverage at Locations in Tier 1 and 2 Counties (as defined in the policy)
• Excludes Florida
• Maximum Sublimit Per Member AIN - $100,000,000 per occurrence
• Property Terrorism Program - $300,000,000 per occurrence Program Limit
• Crime – up to $25,000 per occurrence per account, subject to $250,000 Program Aggregate Limit
Optional Coverages (Available)

15
Comprehensive Property (All Risks Including Earthquake & Flood) CA
CIBA’s California Earthquake and Flood program is offered in conjunction with
CIBA’s Basic Property program.
Refer to CIBA Program Basic Property (All Risks Excluding Earthquake & Flood) Insurance Coverage
Specifications for the following information:
• Property Coverage: (Property or Interest Insured)
• Extended Real & Personal Property Coverage
• Sub Limits
• Insuring Terms & Coverage Features
• Coverage Limits (other than Earthquake and Flood)
Available Earthquake and Flood Limits for locations in California:
Earthquake: Total Insured Values or $5,000,000 per occurrence and aggregate per location,
whichever is less
Flood: Total Insured Values or $5,000,000 per occurrence and aggregate per location,
whichever is less

16
Comprehensive Property (All Risks Including Earthquake & Flood) CA
Important Exclusions
Loss from Flood at locations situated wholly or partial in National Flood Insurance Plan (NFIP) zones
prefixed with the letters “A” or V” (the 100 year flood plain).
Optional Coverages:
Full Earth Movement Coverage – available for qualifying locations.
Minimum Earthquake and Flood Deductibles
Earthquake: 5% of Location Real and Personal Property Values and 5% of Location Loss of
Income Values, subject to a minimum deductible of $50,000 per location per
occurrence.
Flood: $50,000 per location per occurrence

17
Comprehensive Property (All Risks Including Earthquake & Flood) Excl. Earthquake in CA
CIBA’s Earthquake and Flood program is offered in conjunction with CIBA’s Basic
Property program.
Refer to CIBA Program Basic Property (All Risks Excluding Earthquake & Flood) Insurance Coverage
Specifications for the following information:
• Property Coverage: (Property or Interest Insured)
• Extended Real & Personal Property Coverage
• Sub Limits
• Insuring Terms & Coverage Features
• Coverage Limits (other than Earthquake and Flood)
Coverage Limits:
Earthquake Sub Limit: Up to $10,000,000 per occurrence and aggregate maximum per
Member AIN
Flood Sub Limit: Up to $10,000,000 per occurrence and aggregate maximum per
Member AIN

18
Comprehensive Property (All Risks Including Earthquake & Flood) Excl. Earthquake in CA
Important Exclusions:
• Loss from Earthquake at locations in California
• Loss from Flood at locations situated wholly or partial in National Flood Insurance Plan (NFIP)
zones prefixed with the letters “A” or “V” (the 100 year flood plain)
Minimum Earthquake and Flood Deductibles
$50,000: Per Location Occurrence – Earthquake (except 2% of Location Values in Oregon and
Washington)
$50,000: Per Location Occurrence – Flood
Coverage Features
• For locations outside of the State of California, CIBA offers Earthquake coverage from the same
insurers who provide the Basic Property (All Risk excluding Earthquake and Flood Program) under the
same broad coverage terms.
• Earthquake and/or Flood are provided as sub limits that are part of an not in addition to the limits
provided under Basic Property.
• Flood only coverage can be offered in all states where the CIBA program is available, including
California.

19
Named Insured:
The Commercial Industrial Building Owner’s Alliance, Inc., dba: CIBA Insurance Services (Risk
Purchasing Group).
Any Associate of the Commercial Industrial Building Owner’s Alliance to whom a Declarations Page or
Certificate of Insurance has been issued by CIBA Insurance Services and which describes the specific
location coverage is limited to.
Covered Location(s):
Refer the Declarations Page for listing of location(s). Designated Premises Endorsement Applies.
Commercial General Liability

20
LESSOR’S RISK LIABILITY COVERAGES
PRIMARY COMMERCIAL GENERAL LIABILITY FORM
$ 2,000,000 General Aggregate Limit (Other than Products – Completed Operations) - Per Location
$ 1,000,000 Products / Completed Operations Aggregate Limit
$ 1,000,000 Each Occurrence Limit
$ 1,000,000 Personal & Advertising Injury Liability Limit (Any one person or organization)
$ 1,000,000
Employee Benefits Liability Limit (Each Employee and Aggregate Limit)
Retroactive Date: 12/31/2002 or first date thereafter written on a continual basis
Each Employee Deductible: $1,000
$ 1,000,000 Non-Owned & Hired Automobile Liability – Business Use Only – Each “Accident”, subject to General
Aggregate Limit
$ 50,000 Damage to Premises Rented To You Limit (Any one premises)
$
Not
Included
Medical Expense Limit (Any one person) – Available by endorsement
$ 1,000,000
Stop Gap – Employers Liability Coverage – ND, OH, WA & WY
Bodily Injury By Accident, Bodily Injury By Disease – Each Employee
Aggregate $1,000,000
Terrorism (Certified Acts) – Excluded. Available as an option for additional premium

21
AVAILABLE OPTIONAL EXCESS GENERAL LIABILITY LIMITS (Excess of
Primary Limits)
$ 5,000,000 Per occurrence/aggregate per location*
$ 10,000,000 Per occurrence/aggregate per location*
$ 25,000,000 Per occurrence/aggregate per location
$ 75,000,000 Per occurrence/aggregate per location
*The following are available with the $5,000,000 or $10,000,000 Excess General Liability Options:
Non-Profit Excess Directors & Officers Liability for Condominium Associations (Claims Made); Excess
Automobile Liability; Employee Benefits Liability (Claims Made); Employers’ Liability

22
2017-2019 Participating Carriers
2017 LAYER 2017 CARRIER Policy No.
PRIMARY $3M EVEREST INDEMNITY INSURANCE COMPANY CA3P005794171
EXCESS LIMIT $7M x
$3M
ASPEN SPECIALTY INSURANCE COMPANY PXAG9R817
EVEREST INDEMNITY INSURANCE COMPANY CA3X000837171
FIRST SPECIALTY INSURANCE CORPORATION ESP 2002142 00
IRONSHORE SPECIALTY INSURANCE COMPANY 2712001
LIBERTY SURPLUS INSURANCE CORPORATION 1000255846-01
EXCESS LIMIT $25M x
$10M
ASPEN SPECIALTY INSURANCE COMPANY PXA9U1W17
CERTAIN UNDERWRITERS AT LLOYD’S, LONDON - BRIT SYNDICATE 2987 PD-10157-03
EVANSTON INSURANCE COMPANY MKLV11XP005614
HOMELAND INSURANCE COMPANY OF NEW YORK 795005772
CERTAIN UNDERWRITERS AT LLOYD’S, LONDON - HISCOX SYNDICATE 3624 URS2542823.17
COLONY INSURANCE COMPANY XP264069
EXCESS LIMIT $25M x
$35M
HALLMARK SPECIALTY INSURANCE COMPANY 73PRX179CB7
EXCESS LIMIT $90M x
$60M
ROCKHILL INSURANCE COMPANY RCPXRU000045-00
EXCESS LIMIT $100M x
$150M
MUNICH RE UK SERVICES LIMITED B1230AP01952A17
Property
COVERAGES AND PARTICIPATING CARRIERS APPLICABLE TO INDIVIDUAL INSURED MEMBERS CAN VARY. REFER TO THE MEMBER INSURED CONTRACT (AIN) FOR MORE INFORMATION.
UP TO DATE LISTS OF PARTICIPATING CARRIERS CAN BE OBTAINED FROM THE CIBA BROKER PORTAIL OR THE AUTHORIZED CIBA BROKER SECTION OF THE CIBA WEB SITE – WWW.CIBASERVICES.COM”

23
2017 LAYER 2017 CARRIER Policy No.
$250M
ASPEN SPECIALTY INSURANCE COMPANY PXAC92U17
MUNICH RE UK SERVICES LIMITED B1230AP01952A17
SCOTTSDALE INSURANCE COMPANY AJS0000510
STEADFAST INSURANCE COMPANY XPP5532866-03
$500M
MITSUI SUMITOMO INSURANCE COMPANY of AMERICA EXP7000151
INDIAN HARBOR INSURANCE COMPANY 92GFP0100
UNITED NATIONAL INSURANCE COMPANY LP0000888
UNITED NATIONAL INSURANCE COMPANY LP0000888
$750M
LANDMARK AMERICAN INSURANCE COMPANY LHD399814
INDIAN HARBOR INSURANCE COMPANY PRO0037150-05
ASPEN SPECIALTY INSURANCE COMPANY PX005JP17
NATIONAL FIRE & MARINE INSURANCE COMPANY 92GFP0100
Supplemental Limits
Additional Excess
Additional Excess COLONY INSURANCE COMPANY XP264050
Additional Excess
ASPEN SPECIALTY INSURANCE COMPANY PXAG9R817
Additional Excess
Property Cont.

24
Liability
Peril Limit CARRIER Policy No.LIABILITY
PRIMARY 1M Occ / 2M
Agg
ASPEN SPECIALTY INSURANCE COMPANY CR005HN17
5M x 1M
ALLIED WORLD ASSURANCE COMPANY(U.S.), Inc.(In states
other than CA & DE)
0310-6120
ALLIED WORLD NATIONAL ASSURANCE COMPANY (CA & DE) 0310-6118
10M x 1M
ALLIED WORLD NATIONAL ASSURANCE COMPANY (CA & DE) 0310-6121
ALLIED WORLD ASSURANCE COMPANY(U.S.), Inc.(In states
other than CA & DE)
0310-6122
15M x 10M X 1M FIREMANS FUND INSURANCE COMPANY SHX 00015276157
50M X 25M x 1M
LEXINGTON INSURANCE COMPANY 013136535
GREAT AMERICAN INSURANCE COMPANY TUE 0202650 06

25
2017-2019 A.M. Best Carrier Ratings
AM
BEST
NO. INSURANCE COMPANY
AM Best
RATING
FINANCIAL
SIZE
CATEGORY NAIC CODE
12096 Everest Indemnity Ins. Co. A+ XV 10851
12630 Aspen Specialty Ins. Co. A XV 10717
3283 Colony Ins. Co. A XII 39993
3759 Evanston Insurance Co. A XV 35378
86160 Great Lakes Insurance SE A+ XV AA-1120697
10783 First Specialty Insurance Corp. A+ XV 34916
10838 Hallmark Specialty Insurance Co. A- VII 26808
10604 Homeland Ins. Co. of New York A X 34452
11340 Indian Harbor Ins. Co. A XV 36940
13866 Ironshore Specialty Ins. Co. A XIV 25445
12619 Landmark American Ins. Co. A XIV 33138
12078 Liberty Surplus Ins. Corp. A XV 10725
47731 Lloyd's Syndicate 3624 (Hiscox) A XV AA-1126033
85202 Lloyd's - Brit Syndicate 2987 A XV AA-1128987
84422 Mitsui Sumitomo Ins. Co. Ltd. A+ XV AA-1580085
2428 National Fire & Marine Ins Co. A++ XV 20079
Property
AM BEST
NO. INSURANCE COMPANY
AM Best
RATING
FINANCIAL
SIZE
CATEGORY NAIC CODE
13023 Rockhill Insurance Co. A- XII 28053
3292 Scottsdale Ins. Co. A+ XV 41297
3557 Steadfast Ins. Co. A+ XV 26397
3128 United National Insurance Co. A XI 13064
12630 Aspen Specialty Insurance Co. A XV 10717
12525 Allied World Assurance Company (U.S.) Inc.A XV 19489
12526 Allied World National Assurance A XV 10690
2350 Lexington Insurance Company A XV 19437
2179 Fireman's Fund Insurance Co. A+ XV 21873
2213 Great American Insurance Co. A+ XV 16691
Liability
Property continued

26
2017-2019 Coverage Comparison
Property Coverage CIBA 2017 All Risk Property Coverage Form Standard ISO Policy Form
Roadways, Walks, Patios, or Other Paved Surfaces Covered Excluded
Retaining Walls that are not Part of a Building Covered Excluded
Underground Pipes, Flues, or Drains Covered Excluded
Foundations of Buildings & Structures Below Basement Covered Excluded
Fences Included in Policy Limit; All Risk $1,000
Debris Removal 25% of loss up to $5,000,000 Limit 25% Loss
Fire Fighting $100,000 Limit $1,000 Limit
Pollutant Clean-up $100,000 Limit, Except Asbestos Removal (limit $25,000) $10,000 Limit
Trees, Shrubs & Plants Up to $250,000 Limit $1,000 Limit
Signs (other than Signs Attached to Buildings) Included in Policy Limit $1,000 Limit
Increased Cost of Construction Up to $10,000,000 combined limit for B, C & D $10,000 Limit
Vacant Buildings 90 Days with Named Peril Limitation 60 Days with Names Peril Limitation
Off-Premises Service Interruption $100,000 Excluded
Extended Period of Indemnity - Loss of Rents 180 Days (up to 360 days available) 30 Days
Mold/Fungus $10,000 Per Location Per Occurrence Limit From Covered Peril$15,000 Aggregate Limit for Covered Peril
Collapse No Specific Limitation Specific Limitation
Equipment Breakdown $7,500,000 Per Location Per Occurrence (up to $50,000,000 Available)Excluded
Additional Coverages Included with Property (may opt out)
Data Compromise Coverage (per account) Response expense - $50,000 Not Included
Data Compromise Coverage (annual aggregate per account) Defense Liability - $50,000 Not Included
Cyber One Network Security Liability (annual aggregate per account) $50,000 Not Included
Additional Coverages Included with Liability
Hired & Non Owned Auto - Business Use $1,000,000 Per Accident / Subject to General Aggregate Not Included

27
2017-2019 Underwriting Appetite

28
2017-2019 Underwriting Appetite
• Newly completed apartments/condo
associations during lease up
• Recently vacant commercial LRO
buildings
• Must be locked & secured
• Must be well-maintained with no
prior damage
• Central Station Fire & Security
Monitoring
Vacant Buildings
Age
Construction Type:
Loss History
• Limited Restrictions if updated
• No Restrictions
• Sprinklered or Non-sprinklered
• Will consider accounts with negative
loss experience & open claims
Account Size
• Small Accounts Welcome
• Minimum premiums as low as
$1,000-$1,500 for Property or
General Liability, $2,500 for
package
Account Coverage
• Property & General Liability or will
write Monoline

29
Broker Portal & Support
Home: Provides Underwriter Contact
Information
Online Quotes: Create new Online Quotes,
update quotes, and see status of quotes previously done.
Also access to information for: Payment Plan,
FAQ, Policy Forms, Claim Reporting, Broker
Announcements, Marketing Material, Renters Liability, ICM
& More
Submission Status: View status of all
submitted accounts (including those through CIBAQuote
Loss Runs: instantly view & download all available
Loss Runs
Broker Experience: See current Quotes, Binds,
and other experience data
Documents: View and download account
documents such as: Invoices, Renewal Quotes, EOI's &
More
User Settings: Edit username/password.
Primary & Secondary users- add/delete users
Need help with access? Contact Lisa Qiang at 818.853.5136 or email lqiang@cibaservices.com
Need Information?
CIBA’s Broker Portal Offers
Essential Information Online!
http://broker.cibaservices.com/

30
Added Benefits
Payment Plan
CIBA Direct Bill Payment Plan:
For accounts $5,000 or more in Gross Premium
CIBA will direct bill payment invoices to insureds with payment to be remitted directly to
CIBA Insurance Services
The Payment Plan Requires:
• 25% down payment of the Total Gross Premium
• A one-time set up fee
All Loss Control Fees, Program Fees, and all Taxes and State Fees are included in the initial down payment
The Payment Plan Includes:
• 3 monthly installments beginning 30 days following the coverage inception date
Additional payments may be available. Your broker has access to request additional terms through the CIBA Broker Portal or you can contact
Tracey Jackson at tjackson@cibaservices.com directly.

31
Added Benefits
Payment Plan Comparison to Standard Finance Agreement
Total Annual
Premium
+
Service Charge
= Total Down Payment
$16,332 $125 $4,714
Installments
Due at 30 Days Due at 60 days Due at 90 days
$3,914 $3,914 $3,914
Total Price of
Premiums
+ Finance
Charge
Cash Down
Payment
Annual
Percentage Rate
$16,332 $468 $5,453 9.28
Amounts of Monthly Payment Number of Payments
$1,135 10
Total Amount Paid : $16,800Total Amount Paid : $16,456
CIBA Payment Plan
Total Savings by choosing CIBA Payment Plan: $344.00
Total Annual
Premium
+
Service Charge
= Total Down
Payment
$135,522 $250 $34,130
Installments
may qualify for extended payments
Due at 30 Days Due at 60 days Due at 90 days
$33,880 $33,880 $33,880
Total Price of
Premiums
+ Finance
Charge
Cash Down
Payment
Annual Percentage
Rate
$135,522 $4,629 $44,722 9.28
Amounts of Monthly Payment Number of Payments
$7,952 12
Total Amount Paid : $140,151
Total Amount Paid : $135,772
Total Savings by choosing CIBA Payment Plan: $4,379
Typical Premium Financing Agreement
ExampleAExampleB

32
Added Benefits
Insurance Certificate Monitoring

33
Added Benefits
Insurance Certificate Monitoring

34
Added Benefits
Renters Liability Program
CIBA’s Renters Liability Protection provides resident liability coverage designed to maximize
protection for each unit from resident-caused damage. Our program is designed to protect an owners
bottom line by providing each occupied unit with $100,000 of liability coverage for:
Contact Lisa Qiang for more information
lqiang@cibaservices.com
818.853.5136

35
Added Benefits
Different property types require different inspections, which
is why CIBA Inspections are specific to the type of property
they are working on. CIBA Inspections are available for most
location types including: warehouses, light manufacturing,
retail strip centers, distribution centers, industrial parks, self-
storage facilities, office buildings, apartments, homeowners
associations, condominiums, mixed-use buildings, planned
unit developments, single family dwellings, vacant buildings,
and more. Contact us today to see if your location qualifies.
Inspections for CIBA & Non-CIBA Accounts
• Cover Letter: A short introduction
• Property Report (specific to property type): Our
comprehensive inspections report includes a brief
overview of the operations at the location inspected along
with the specifics of Construction, Fire Protection,
Exposure Summaries, and any other notable portions of
the property (such as pools, fitness centers, etc.) and
observation/recommendations.
• Photos: Property photos are provided within the report
as well. CIBA includes a birdseye view (when available)
along with exterior views from each side of the building,
interior, high hazard areas, and any areas that are in need
of immediate attention.
Our inspections team covers areas across the nation.
Quotes are generated per location and based on a number of factors including property type, location, number of buildings, and
more. An additional fee may be charged for rush inspection requests. To obtain your quote, contact Jeff Morris using the
information below.
Comprehensive Reports Specific to your Property Type
For Locations Across the U.S.
Interested? Obtain your Quote Today
Jeff Morris, CIBA Insurance Services
818.853.5165
jmorris@cibaservices.com
The same great service you see from our friendly and knowledgeable Inspections Services team is now available
for non-CIBA accounts as well for a nominal fee.

Thank You
36
for taking the time to learn more about the CIBA Program

CIBA Broker Update 2017

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