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Proposal of Insurance for: Decatur Public Transit System <br /> ' Coverages for Consideration <br /> • Coverages are highlighted here to review available coverages which you should consider.These coverages are included in <br /> the coverage section of this proposal only if quoted and highlighted as covered. <br /> • A proposal for any of the coverages can be provided. <br /> • The recommendations and considerations summarized in this section are not intended to identify all exposures. <br /> ' • If Gallagher does not handle your complete insurance program,these recommendations only reflect items within our scope of <br /> responsibility. <br /> "The current TRINTRIPPA program may not cover all terrorism losses.While the most recent legislation eliminated the distinction <br /> between foreign and domestic acts of terrorism, a number of lines of coverage excluded under the TRIEA legislation passed in <br /> 2005 remain excluded, including Commercial Automobile, Burglary and Theft insurance,Surety insurance, Farmowners Multiple <br /> Perils and Professional Liability(although Directors and Officers Liability is specifically included). If such excluded coverages are <br /> required,we recommend that you consider purchasing a separate terrorism policy. Please note that a separate terrorism policy <br /> for these excluded coverages may be necessary to satisfy loan covenants or other contractual obligations. <br /> Arthur J.Gallagher Risk Management Services,Inc. <br /> ..11 <br /> I:\UsersUmiller\Proposals\Decatur Transit Management 2011.docx 9/9/11 14 <br />