Combined insurance program

One master. Every AMP.

Every dwelling AMP and both support sites sit on the CCHA master. There is no project program and no builder’s risk. Auto, WC, crime, public officials and cyber live on the same package.

Portfolio rates

Composite

How calculated

Sum of TIV on every location in this scope — dwellings and support sites. Matches the 2026 premium-year TIV. Program TIVs are the same dollars allocated by placement, not a second total. Board Report uses this same number.

$.41 / $100

$146.3M TIV

In-force premium

How calculated

Premium on lines with status bound, master, or project. Quoted and gap premiums are excluded.

$606,600

Bound / master / project only

Indicated premium

How calculated

Premium recorded on quote or gap lines. It is not in-force and would not pay. Shown so the board can see the ask next to what is already bound.

Not recorded

Quote and gap — not in force

Property

$.29 / $100

Property buildings — $428,000

Casualty

$178,600

GL, umbrella, auto, WC, crime, D&O, cyber

Per unit

$553

1,096 units across the portfolio

Rate by program

All-lines rate is in-force premium over that program’s TIV. Property rate uses only property, flood, builder’s risk and inland marine.

Program	TIV	Premium	All-lines	Property	Share
CCHA Master Package Authority master	$146.3M	$606,600	$.41 / $100	$.29 / $100	100%
Portfolio	$146.3M	$606,600	$.41 / $100	$.29 / $100	100%

Program

TIV

Premium

All-lines

Property

CCHA Master Package

Authority master

$146.3M

$606,600

$.41 / $100

$.29 / $100

100%

Portfolio

$146.3M

$606,600

$.41 / $100

$.29 / $100

100%

TIV across the portfolio

$146.3M insured value · 9 lines · 1 program

CCHA Master Package$146.3M · 100%

Authority master

CCHA Master Package

Housing Authority Specialty / admitted package

TIV: $146.3M
In-force premium: $606,600
All-lines rate: $.41 / $100
Property rate: $.29 / $100
AOP: $25,000 AOP
Wind-hail: 2% of TIV
Named storm: N/A — inland Kentucky
Flood: NFIP indicated for Brookside AE — not confirmed in force; no excess. Premium not recorded.

Covers every AMP and both support sites. Standalone — not in a regional housing-authority pool. Auto, WC, crime, public officials and cyber live only here. There is no project or construction program on this book.

Line	Premium	Rate
Property — buildings	$428,000	$.29 / $100 TIV
General liability	$38,000	$35 / unit
Umbrella / excess	$41,000	0.41% of limit
Automobile	$32,000	$2,286 / vehicle
Workers compensation	$46,000	$3.71 / $100 payroll
Crime / fidelity	$4,200	$4,200
Public officials / D&O	$9,800	$9,800
Cyber liability	$7,600	$7,600
NFIPgap	—	—

Combined coverage schedule

Quoted and gap lines show an indicated rate and are not in the in-force premium.

Line	Applies to	Limit	Retention	Carrier	Premium	Rate	Status
Property — buildings Replacement-cost statements on 1962–1974 AMPs last refreshed in 2025.	All ACC AMPs + support	$146.3M blanket TIV	$25K AOP · 2% wind / hail	HA specialty package	$428,000	$.29 / $100 TIV	master
General liability Habitational form. No separate project CGL — there are no converted LPs.	Authority operations + ACC sites	$1M / $2M	$0	HA specialty package	$38,000	$35 / unit	master
Umbrella / excess Single umbrella over the master package.	Authority master	$10M	Follows primary	Follow-form excess	$41,000	0.41% of limit	master
Automobile Maintenance and administration units. No third-party management fleet.	CCHA fleet only	$1M CSL · 14 units	$1,000 comp / collision	Admitted auto	$32,000	$2,286 / vehicle	master
Workers compensation Maintenance, administration, and site staff on one policy.	24 authority employees	Statutory	None	State fund / admitted	$46,000	$3.71 / $100 payroll	master
Crime / fidelity Employee theft and premises. HUD-typical fidelity limit.	Authority operations	$500,000	$5,000	Admitted crime	$4,200	$4,200	master
Public officials / D&O Authority-only. No LP directors.	Board and officers	$2M	$10,000	Admitted public officials	$9,800	$9,800	master
Cyber liability Quiet file. No incident in the sample years.	Authority systems and tenant data	$1M	$25,000	Admitted cyber	$7,600	$7,600	master
NFIP NFIP indicated for Brookside AE. Not confirmed in force. Premium not recorded. No excess flood.	Brookside Homes AE buildings — indicated, not confirmed in force	NFIP building maximum — Brookside AE	NFIP form	NFIP write-your-own (indicated)	—	—	gap

In-force $606,600 · 8 of 9 lines bound.

Master vs project

There is no converted LP and no construction file. Deductibles split as $25K AOP / 2% wind-hail / named storm N/A — inland Kentucky. NFIP is indicated for Brookside AE — not confirmed in force; premium not recorded; no excess.

Composite is $.41 / $100

In-force premium is $607K on $146.3M TIV. In-force premium is the authority package only. Project and construction premium stay at zero on this sample.

Every line stays on the authority master — there is no conversion that would move property off it. See Conversion Hub. Open Coverage Scenario Explorer.