Sample package from the recorded book

RENEWAL SUBMISSION PACKAGE — SAMPLE / DEMONSTRATION
Crescent Bend Housing Authority
Generated 2026-09-13. Not a live submission. PRH does not place coverage.

1. Authority snapshot
TIV $186,400,000 · 12 locations · 962 units
In-force premium $1,871,950 · Indicated $344,000
Master renewal Dec 10, 2026 · 88 days out

2. Limit layers (keep distinct)
- Insured TIV: $186.4M. Sum of location TIV on the schedule. A value — not an occurrence limit and not a sublimit.
- Occurrence limits: Property — buildings: $83.6M blanket TIV · General liability: $1M / $2M · Umbrella / excess: $10M · Automobile: $1M CSL · 42 units. Per-occurrence (or equivalent) limits on in-force lines. Distinct from schedule TIV.
- Sublimits: A. Privacy Liability (including Employee Privacy) $1,000,000 · B. Privacy Regulatory Claims Coverage $1,000,000 · C. Security Breach Response Coverage $1,000,000 · D. Security Liability $1,000,000 · E. Multimedia Liability $1,000,000 · F. Cyber Extortion $1,000,000 · Business Income Loss $1,000,000 · Restoration Costs $1,000,000 · Reputation Business Income Loss $1,000,000 · Systems Integrity Restoration Loss $250,000 · H. PCI DSS Assessment $1,000,000 · Phishing Loss $50,000 · Services Fraud Loss $100,000 · Reward Fund Loss $50,000 · Personal Financial Loss $250,000 · Corporate Identity Theft Loss $250,000 · Telephone Hacking Loss $100,000 · Direct Financial Loss (Funds Transfer Fraud) $100,000 · Cyber Deception $250,000 · Court Attendance Costs $100,000 · Bodily Injury / Property Damage Liability $250,000 · TCPA (Telephone Consumer Protection Act) $100,000 · HIPAA Corrective Action Plan Costs $50,000 · Post Breach Response $25,000 · Independent Consultant $25,000 · Outsourced Provider $250,000 · Computer System $250,000. Narrower limits inside a line (per-claim / aggregate). Not the blanket TIV and not the AOP deductible.

3. Deductibles (basis, minimum, scope, policy ref)
- AOP: $25,000 AOP. Basis: As recorded on the program — not inferred as a % of TIV. Minimum: $25,000. Applies to: CBHA Master Package. Policy: CBHA Master Package. Source p. —.
- Wind-hail: 2% of TIV. Basis: Percent of TIV as recorded. Minimum: Minimum not recorded. Applies to: CBHA Master Package. Policy: CBHA Master Package. Source p. —.
- Named storm: 5% of TIV. Basis: Percent of TIV as recorded. Minimum: Minimum not recorded. Applies to: CBHA Master Package. Policy: CBHA Master Package. Source p. —.

4. In-force coverage schedule
- Property — buildings · limit $83.6M blanket TIV · retention $25K AOP · 5% named storm · HA specialty package
- General liability · limit $1M / $2M · retention $0 · HA specialty package
- Umbrella / excess · limit $10M · retention Follows primary · Follow-form excess
- Automobile · limit $1M CSL · 42 units · retention $1,000 comp / collision · Admitted auto
- Workers compensation · limit Statutory · retention None · State fund / admitted
- Crime / fidelity · limit $1M · retention $10,000 · Package endorsement
- Public officials / D&O · limit $2M · retention $25,000 · Management liability
- Cyber and Privacy Liability · limit $1,000,000 · retention $2,500 ($10,000 cyber deception) · BCS Insurance Company
- Inland marine / contractors equipment · limit $1.8M scheduled · retention $5,000 · Package
- Property — buildings · limit $28.4M · retention $10K AOP · 2% named storm · Layered habitational
- General liability + umbrella · limit $1M / $2M · $15M umbrella · retention $0 / SIR none · Admitted habitational
- Property — buildings · limit $31.8M · retention $25K AOP · 3% named storm · Single-carrier habitational
- Flood — NFIP + excess · limit NFIP max + $10M excess · retention NFIP / $50K excess · NFIP + private excess
- GL + umbrella · limit $1M / $2M · $25M umbrella · retention $0 · Admitted habitational
- Builder's risk · limit $42.6M + soft costs TBD · retention $25,000 · Construction specialty

5. Open items
- Flood — NFIP · gap · No excess flood on the master. Riverbend carries excess on its own program. Scattered-site parcel determinations are incomplete.
- Permanent property (quoted) · quote · Named storm 5% vs 2% is a potential variance. See Conversion Hub.
- Flood · gap · SFHA determination ordered 3/14. Cannot finalize NFIP vs private vs excess until it returns.

Path A. Fee-based software. PRH does not place coverage, render coverage opinions, or act as your broker.