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Home My WebLink About2014-05-07 PACKET 04.B.REQUEST OF CITY COUNCIL ACTION COUNCIL AGENDA MEETING ITEM # , DATE 5/7/2014 , . PREPARED BY: City Clerk Caron Stransky ORIGINATING DEPARTMENT DEPARTMENT HEAD ********************************�*************** COUNCIL ACTION REQUEST: Consider renewing the package policy with a$50,000/$100,000/$1,000 deductible for the April 3, 2014 to April 3, 2015 policy period, in the amount of $221,767.00. STAFF RECOMMENDATION: Renew the package policy. SUPPORTING DOCUMENTS � MEMO/LETTER: Memo from Caron Stransky. ❑ RESOLUTION: ❑ ORDINANCE: ❑ ENGINEERING RECOMMENDATION: ❑ LEGAL RECOMMENDATION: � OTHER: Attachment. ��►I ► :� •: •►I►I__► y � Date �*********************************�*�*�********* �� ! ' �r ,�. : �,��' �, .. � � . , . ;... . To: From: Date: Subject: Ryan Schroeder, City Administrator Honorable Mayor and City Counci) Members Caron Stransky, City Clerk April 18, 2014 INSURANCE PACKAGE POLICY The City of Cottage Grove received the attached insurance proposal from our insurance agent, Wells Fargo Insurance Services, for the renewal of our package policy. The coverage type and premiums are broken down as follows: Package Policy The package policy for the period April 4, 2014 to April 4, 2015 includes property, mobile equipment, automobiles, boiler and machinery, crime, employee dishonesty, general liability, and opens meeting law coverage. The City carries a$50,000 per occurrence deductible, $100,000 policy period aggregate. Once we exceed the annual aggregate of $100,000, a $1,000 per loss deductible would apply. The deductible for our Boiler and Machinery policy is $2,500 per occurrence. Overall, our premium increased from $199,723 to $221,767 or by $22,044. The increase is primarily in our general liability insurance coverage which increased by almost $20,000. The five key factors that contribute to this increase are: total expenditures, number of households, number of sewer connections, the number of full-time employees, and the number of police officers. All increased except for the number of police officers which remained the same. A copy of the insurance proposal detailing our package policy from the City's Insurance Agent, Bill Velin of Welis Fargo Insurance Services, is attached for your information. 2013 Budaet In 2014, the City budgeted $219,695 in the Self-Insurance, 4352-General Liability expenditure account, for package policy coverage. Recommendation Staff recommends renewal of the package policy with a$50,000/$100,000/$1,000 deductible, for the April 3, 2014 to April 3, 2015 policy period, in the amount of $221,767. /Attachment � � �. � � � � � � � � � � � � � � Insurance Proposal for City of Cottage Grove Effective Date: A ril 201 to A ril 201 P 3� 4 P 3� 5 Presented By: Bill Velin, CIC Wells Fargo Insurance Services USA, Inc. 40o Highway 169 South, Sth Floor St. Louis Park, MN 55426 952 Main �� WELLS � � �� FAR.GO I1�7a�II �� v � �� ..- - .. �d �:; ; -. ,.. �4�'n �= ��I ?i� � ' 1 �; = � ��.►�' �►� �`� '' �' `` - � � �. �� . � � � � City of Cottage Grove Coverages Service Team - - • - • � - � - - - Name: Bill Velin CIC If you have a question about coverage provided Title: Sr. Sales Executive by your current insurance program or you need to Direct Dial # 952.242.3111 discuss present or future changes in protection, Email Address: BiII.Velin@wellsfargo.com please contact: ' • • - • , Name� Mar Gess If you need to make a change during the policy Title: Account Executive term or have questions about invoices or charges Direct Dial # 952.242.3152 on your account, please contact: Email Address: Mary.Gess@welisfargo.com Name: Wells Far o Insurance Claims Center If you need to report a claim, find out the status of a claim, or need Workers' Compensation First Direct Dial # 855.320.0583 Report of Injury forms, please contact: Email Address: WFInsuranceClaimsCenter@wellsfargo.com � o . • Main Number; 952.242.3100 Toll Free Number: 1.800.735.3008 Office Hours 8:00 — 5;00 P.M. CST Monda - Frida Thls insurance proposal is a��lescrfptive summary of the insurance policies to be placed on your behalF based on rlsk informatlon provided by you. 'It should be used for reference purposes only. This proposal fs not intended to represent, supersede, amend or alter the terms, conditions, exclusions or other provfsions of the insurance contract between you and the insurance carrier. Only your insurance carrier may modffy the terms of your insurance polfcy. You are obliged to read your insurance policy and advise your Weils Fargo Insurance Services' representative of any quest(ons you have on the policy's terms and conditlons, � Welis Fargo Insurance Servlces Confidential. O 2014 Welis Fargo Insurance Servlces. All rfghts reserved. 4/10/2014 mw\Proposal\City of Cottage Grove 2014-2015.docm � 0 City of Cottage Grove Coverages Common Coverage Terms Named Insured City of Cottage Grove Principal Address 12800 Ravine Parkway Cottage Grove, MN 55016 Effective Dates April 3, 2014 to April 3, 2015 � � � � � - � � This insurance proposal is a descriptive summary of the insurance pollcles to be placed on your behalf based on risk Information - provfded by you. It should be used for reference purposes only. This proposal is not Intended to represent, supersede, amend or alter the terms, cond(tions, exciusions or other provislons of the Insurance contract between you and the insurance carrier. Only your insurance carrier may modlfy the terms of your insurance policy. You are obliged to read your Insurance policy and advise your Welis Fargo Insurance Services' representative of any questions you have on the policy's terms and conditlons. ,,� � 2 - Welis Fargo Insurance Services Confidential. O 2014 Wells Fargo Insurance Services, Al) rights reserved. � 4/10/2014 mw\Proposal\City of Cottage Grove 2014-2015.docm � City of Cottage Grove Coverages Named Insured The Named Insured is amended to read as follows: City of Cottage Grove and City of Cottage Grove EDA And any other divisions, subsidiaries and persons and organizations under the control ofi the Named Insured, and any business entity incorporated or organized under the laws of the United States of America (including any state thereof), its territories or possessions while the person or organization named in Item 1 of the Declarations or the forenamed owns, during the policy period, an interest in such . entity of more than fifty percent (50%). This clause is subject to the acquisition reporting provisions as outlined in the policy. Thls Insurance proposal fs a descrlptive summary of the insurance pollcfes to.be placed on your behalf based on rlsk Informatlon .. provlded by you. It should be used for reference purposes only. This proposal Is not intended to represent, supersede, amend or alter the terms, conditlons, exclusfons or other provlslons of the fnsurance contract between you and the Insurance carrler, Only your Insurance carrler may modlfy the terms of your Insurance policy. You are obllged to read your insurance pollcy and advlse your Wells Fargo Insurance Services' representative of any questions you have on the pollcy's terms and conditlons. � 3 Wells Fargo Insurance Servlces Confldentlal. O 2014 Wells Fargo Insurance Services. All rights resetved. � 4/10/2014 mw\Proposal\Clty of Cottage Grove 2014-2015.docm City of Cottage Grove Coverages Schedule of Locations Location #1 7516 80 Street South Cottage Grove, MN 55016 Note: See Location Schedule On-line at (LMCIT) the League of MN Cities This fnsurance proposal is a descriptive summary of the fnsurance policies to be placed on your behalf based on risk information provided by you. It should be used for reference purposes only. This proposal is not Intended to represent, supersede, amend or alter the terms, conditions, exclusions or other provislons oF the Insurance contract between you and the fnsurance carrier. Only your insurance carr(er may modify the terms of your insurance pollcy. You are obllged to read your lnsurance polfcy and advfse your Wells Fargo Insurance Services' representative of any questlons you have on the policy's terms and conditlons. 4 Welis Fargo Insurance Servfces Confidential. O 2014 Welis Fargo Insurance Services. Ali rights reserved. 4/10/2014 mw\Proposal\Cfty of Cottage Grove 2014-2015.docm � � �i � � � � City of Cottage Grove Coverages Property Carrier League of Minnesota Cities Insurance Trust Limits of Liability $ 68,441,936 Actual Loss Sustained $ 50,000,000 � Deductible(s) Blanket Real and Personal Property, Property in Open, Scheduled & Unscheduled Equipment Blanket Business Income, Extra Expense, & Expediting Expense Terrorism Activity Annual Aggregate Limit $ 50,000 100,000 � Per Occurrence Annual Aggregate** **If the annual aggregate is exceeded, a$1,000 deductible per claim, per line of coverage applies *See Statement of Values on-line at the League of MN Cities Website for Specific Location Information. Thls Insurance proposal Is a descrlptive summary of the Insurance pollcfes to be placed on your behalP based on rlsk Informatlon � provlded by you. It should be used for reference purposes only. Thfs proposal Is not Intended to represent, supersede, amend or alter the terms, conditions, excluslons or other provlslons of the Insurance contracC between you and the Insurance carrler. Only � your Insurance carrier may modlfy the terms of your Insurance policy. You are obliged to read your insurance policy and advlse your Wells Fargo Insurance Services' representative of any questlons you have on the pollcy's terms and conditions. � 5 Wells Fargo Insurance Servlces Confidentfal. O 2014 Wells Fargo Insurance Services. All rlghts reserved. � 4/10/2014 mw\Proposal\City of Cottage Grove 2014-2015.docm � � City of Cottage Grove Coverages Property (cont.) � �. � � � � � � Scope of Coverage inciudes but is not limited to ■ Asbestos Clean up, Abatement and Removal -$250,000 Per Location ■ Loss of Revenue, Extra Expense and Expediting Expense - $5,000,000 Per Occurrence ■ Demolition and Debris Removal - Direct Physical Damage to Covered Property - 25% of Replacement Cost - No Direct Physical Damage to Covered Property -$50,000 Per Occurrence ■ Leasehold Interest - $500,000 Per Location ■ Pollutant Cleanup & Removal -$250,000 Per Location ■ Errors - $500,000 Per Occurrence ■ Rental Reimbursement - $25,000 Annual Aggregate ■ Arson Reward -$5,000 Per Fire Loss ■ Accounts Receivable - $500,000 Per Location ■ Valuable Papers and Records -$500,000 Per Location ■ Extraordinary Expense - $250,000 Annual Aggregate ■ Utility Services - $100,000 Per Occurrence ■ Water and Supplemental Flood Coverage - $500,000 Per Occurrence/$500,000 Annual Aggregate Thls insurance proposal is a descrlptfve summary of the insurance pollcles to be placed on your behalf based on rlsk informatlon provlded by you. It should be used for reference purposes only. Thls proposal Is not Intended to represent, supersede, amend or alter the terms, conditlons, excluslons or other provislons of the insurance contract between you and the insurance carrier. Only your insurance carrler may modlfy the terms of your Insurance pollcy, You are obllged to read your fnsurance pollcy and advlse your Wells Fargo Insurance Services' representative of any questlons you have on the policy's terms and conditions. 6� Wells Fargo Insurance Servlces Confldential. O 2014 Wells Fargo Insurance Servlces. All rlghts reserved. 4/10/2014 mw\Proposal\Cfty of Cottage Grove 2014-2015.docm :i � _; � � � � � City of Cottage Grove Coverages Petro Fund Claims-Made Carrier League oF Minnesota Cities Insurance Trust Limits of Liability $ 250,000 Reimbursable Costs and Defense Costs Each Tank Release 250,000 Term Aggregate Deductible Not Applicable This insurance proposal is a descriptive summary of the fnsurance policies to be placed on your behalf based on risk information provided by you. It should be used for reference purposes oniy. This proposal is not intended to represent, supersede, amend or alter the terms, conditions, exclusions or other provisions of the Insurance contract between you and the insurance carrier. Only your insurance carrier may modify the terms of your insurance policy, You are obliged to read your Insurance policy and advise your Wells Fargo Insurance Services' representative of any questions you have on the policy's terms and conditlons. 7 Welis Fargo Insurance Services Conf(dential. OO 2014 Welis Fargo Insurance Services. All rights reserved. 4/10/2014 mw\Proposal\City of Cottage Grove 2014-2015.docm r- ,�- � � � � � City of Cottage Grove Coverages Boiler & Machinery/Equipment Breakdown Carrier League of Minnesota Cities Insurance Trust Blanket Limit of Coverage $68,441,936 Per Occurrence Air Conditioners/Compressors Includes Production Machinery Deductible $ 2,500 Any One Accident This insurance proposal Is a descrfptive summary of the insurance policies to be placed on your behaiP based on risk information provided by you, It should be used for reference purposes only. This proposal is not intended to represent, supersede, amend or alter the terms, condltions, exclusions or other provisions of the insurance contract between you and the insurance carrier. Only your insurance carrier may modify the terms of your insurance policy. You are obiiged to read your insurance policy and advlse your Welis Fargo Insurance Services' representative of any questions you have on the policy's terms and conditions. 8• Wells Fargo Insurance Services Confidentfal. O 2014 Welis Fargo Insurance Services. All rights reserved. 4/10/2014 mw\Proposal\City of Cottage Grove 2014-2015.docm � � � � � � m City of Cottage Grove Coverages Mobile Equipment Carrier League of Minnesota Cities Insurance Trust Limits of Liability $ 4,555,038 599,368 Deductible(s) $ 50,000 100,000 Scheduled Equipment Valued over $25,000 Unscheduled Equipment Valued under $25,000 Per Occurrence Annual Aggregate** � Scope of Coverage includes but is not limited to , ,, ■ Perils Insured Against - Special Form ", ■ Valuation - Replacement Cost � ■ 100% Coinsurance � � �. � Note: **If the annual aggregate is exceeded, a$1,000 deductible per claim, per line of coverage �pplies. � See Schedule of Equipment on-line at League of MN Cities Thls Insurance proposal is a descriptive summary of the fnsurance pollcles to be placed on your behalf based on rlsk Informatlon "- provlded by you. It should be used for reference purposes only. Thls proposal fs not intended to represent, supersede, amend or alter the terms, conditlons, excluslons or other provlslons oP the insurance contract between you and the lnsurance carrler. Only your Insurance carrler may modify the terms of your insurance pollcy. You are obllged to read your Insurance policy and advise your Wells Fargo Insurance Servlces` representative of any questions you have on the pollcy's terms and condltlons. �- g Wells Fargo Insurance Servlces Confidentlal. O 2014 Wells Fargo Insurance Servlces. All rlghts reserved. 4/10/2014 F, mw\Proposal\Cfty of Cottage Grove 2014-2015.docm . , �! � � � � , �� City of Cottage Grove Coverages Crime Carrier League of Minnesota Cities Insurance Trust Limits of Liability $ 250,000 Blanket Covering Forgery or Alteration Money & Securities , ,— Deductible(s) $ 50,000 Per Occurrence 100,000 Annual Aggregate** r. • ** If the annual aggregate is exceeded, a$1,000 deductible per claim, per line oF coverage applies. , _. � � l_J � � � � This Insurance proposal is a descriptive summary of the insurance policies to be placed on your behalf based on risk information provided by you. It should be used for reference purposes only. This proposal is not intended to represent, supersede, amend or aiter the terms, cond(tions, exclusions or other provisions of the insurance contract between you and the insurance carrier. only � your (nsurance carrier may modffy the terms of your insurance pollcy. You are oblfged to read your insurance policy and advise your Wells Fargo Insurance Services' representative of any questions you have on the policy's terms and conditions. 10 Wells Fargo Insurance Services Confidential. O 2014 Wells Fargo Insurance Services. All rights reserved. � 4/10/2014 mw\Proposal\City of Cottage Grove 2014-2015.docm � � � � � � � � � � � � � ' � ' � 0 City of Cottage Grove Coverages Bond Carrier League of Minnesota Cities Insurance Trust Limits $ 1,000,000 Faithful Performance Coverage Deductible(s) $ 50,000 Per Occurrence 100,000 Annual Aggregate** ** If the annual aggregate is exceeded, a$1,000 deductible per claim, per line of coverage applies. . This insurance proposal is a descriptive summary of the insurance polfcies to be placed on your behalf based on risk information provided by you. It should be used for reference purposes only. Thls proposal fs not intended to represent, supersede, amend or alter the terms, conditions, excluslons or other provislons of the insurance contract between you and the insurance carrier. Only your insurance carrier may modify the terms of your insurance pollcy. You are obliged to read your insurance policy and advise your Welis Fargo Insurance Services' representative of any questions you have on the policy's terms and conditlons, 11� Weils Fargo Insurance Servlces Confidential. O 2014 Welis Fargo Insurance Services. All rights reserved. 4/10/2014 mw\Proposal\City of Cottage Grove 2014-2015.docm � � City of Cottage Grove Coverages � Carrier League of Minnesota Cities Insurance Trust � I ' � � � � � � � L ' Ll � � � Limits of Liability $ 2,000,000 Products & Completed Operations Aggregate 1,200,000 Each Occurrence 2,000,000 Electro Magnetic Fields Aggregate 50,000 Fire Legal Liability (Any One Fire) 1,200,000 Limited Pollution Liability (Including Lead & Asbestos) 1,000,000 Land Use or Development Litigation 2,000,000 Failure to Supply - Annual Aggregate 2,000,000 Mold Claim Limit - Annual Aggregate 100,000 Outside Organization Claim Limit Retroactive Dates Municipal Liability 4/03/87 Municipal Limited Pollution 9/12/88 Deductible(s) $ 50,000 100,000 General Liability Claims-Made Per Occurrence Annual Aggregate** ** If the General Annual Aggregate is exceeded, a$1,000 deductible applies per claim, per line of coverage Thfs Insurance proposal is a descrlptive summary of the Insurance pollcies to be placed on your behalf based on rlsk information provlded by you. It should be used for reference purposes only. This proposal is not Intended to represent, supersede, amend or alter the terms, condltlons, excluslons or other provlslons of the Insurance contract between you and the fnsurance carrler. Only your Insurance carrier may modlfy the terms of your Insurance pollcy. You are obllged to read your Insurance pollcy and advlse your Wells Fargo Insurance Servlces' representative of any questions you have on the pollcy's terms and condltlons. �2 Wells Fargo Insurance Servlces Confldentlal. O 2014 Wells Fargo Insurance Servlces. All rfghts reserved. 4/10/2014 mw\Proposal\Clty of Cottage Grove 2014-2015.docm � � I � � , Expenditures Land Use-Number of Households � Sewer Backup - Number of Sewer Connections -- Employment - Number of Full Time Employees ,,, Police Dept. - Number of Police Officers u � � $ 26,150,603 11,804 10,487 150 40 $ 26,737,969 11,946 10,532 152 40 This insurance proposal is a descriptive summary of the Insurance policles to be placed on your behalf based on risk information provided by you. It shouid be used for reference purposes only. This proposal fs not intended to represent, supersede, amend or alter the terms, conditions, exciusions or other provlsions of the insurance contract between you and the insurance carrier. Only your Insurance carrier may modify the terms of your insurance policy. You are obiiged to read your insurance polfcy and advise your Wells Fargo Insurance Services' representative of any questions you have on the policy's terms and conditions. 13 Wells Fargo Insurance Services Conffdential. O 2014 Welis Fargo Insurance Services, All rights reserved. 4/10/2014 . mw\Proposal\City of Cottage Grove 2014-2015.docm City of Cottage Grove Coverages Rating Basis General Liability Schedule Classification Premium Basis ' , ` Expenditures $ 26,737,969 Land Use-Number of Households 11,946 Sewer Backup - Number of Sewer Connections 10,532 Employment - Number of Full Time Employees 152 Police Dept. - Number of Police Officers 40 Rating Basis Comparison + 2.2% + 1.2% < 1% + 1.3% Flat m � City of Cottage Grove Coverages Automobile Carrier League of Minnesota Cities Insurance Trust Limits of Liability � Deductible Automobile Symbols 1 = Any Auto 2 = All Owned Autos 3= Owned Private Passenger Autos 4= Owned Autos Other Than Private Passenger 5= All Owned Autos Requiring No-Fault Coverage 6= Owned Autos Subject to Compulsory U.M. Law 7= Autos Specified on Schedule 8 = Hired Autos 9 = Non-Owned Autos *See Schedule of Vehicles on-line at League of MN Cities � � Thls Insurance proposal (s a descrlptive summary of the Insurance pollcles to be placed on your behalf based on rfsk Informatlon provlded by you. It should be used for rePerence purposes only. This proposal Is not intended to represent, supersede, amend or alter the terms, condltions, excluslons or other provlslons of the Insurance contract between you and the insurance carrler. Only your Insurance carrler may modlfy the terms of your Insurance pollcy. You are obllged to read your Insurance pollcy and advlse � your Wells Fargo Insurance Servlces' representative of any questlons you have on the pollcy's terms and conditlons. 14. � Wells Fargo Insurance Servlces Confidentlal. O 2014 Wells Fargo Insurance Servlces. All rlghCs reserved. 4/10/2014 mw\Proposal\Clty of Cottage Grove 2014-2015.docm ` s-� � � � f.J � � O � � � � a City of Cottage Grove Coverages Automobile (cont.) Additionai Coverages 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. ■ Actual Cash Value Valuation ■ Replacement Cost Coverage Applies to the following Vehicles 2000 2000 2003 2003 2003 2006 2006 2007 2009 2010 2010 2010 2012 2013 2012 Ford Sterling LT7500 Ford Ambulance Sterling LT7501 w/Equip. Cyclone II Aerial Ladder Ford E-450 Ambulance Freightliner M2 Dump Truck Freightliner M2 Dump Truck Ford Emergency Command Freightliner M2 Dump Truck Freightiiner Dump Truck Freightliner Dump Truck Chev. G4500 Ambulance Ford Medic Typhonne Rear Mount Ford Truck #9725 # 1727 #7085 #4758 #4125 #8676 #8677 #4232 #8349 #5546 #5545 #5859 #7804 #7297 #6492 $154,109 $110,000 $215,474 $740,000 $110,000 $124,666 $123,613 $185,Ob0 $162,989 $173,179 $165,262 $135,520 $150,000 $454,345 $83,497 This insurance proposal is a descriptive summary of the fnsurance policles to be placed on your behalP based on risk informatlon provided by you. It should be used for reference purposes only. This proposal is not intended to represent, supersede, amend or alter the terms, conditions, exclusions or other provisions of the insurance contract between you and the insurance carrier, Only your insurance carrier may modify the terms of your insurance policy. You are obliged to read your insurance policy and advise your Wells Fargo Insurance Services' representative of any questions you have on the policy's terms and conditfons. 15 Wells Fargo Insurance Services Confidentfal. O 2014 Wells Fargo Insurance Services. All rights reserved. 4/10/2014 mw\Proposal\City of Cottage Grove 2014-2015.docm �i 1 � City of Cottage Grove Coverages � Group Self-Insured Accident . Plan for Volunteers � Carrier League of Minnesota Cities Insurance Trust � Limits of Liability � � $ 100,000 100,000 400 1,000,000 500,000 Coverage A: Accidental Death Benefit Coverage B: Permanent Impairment Benefit Coverage C: Weekly Disability Benefit, Waiting Period: 3 Calendar Days, Maximum Period: 26 Weeks Coverage D: Medica) Benefit Maximum Amount Total Limit of Liability Per Accident � � � ��' � � �� This insurance proposal is a descriptive summary of the fnsurance policies to be placed on your behalf based on risk information provided by you. It should be used for reference purposes only. This proposal is not lntended to represent, supersede, amend or alter the terms, conditions, exclusions or other provfsions of the fnsurance contract between you and the insurance carrier. Only your insurance carrler may modify the terms of your insurance poUcy. You are obliged to read your insurance pollcy and advise your Wells Fargo Insurance Services' representative of any questlons you have on the policy's terms and conditions. 16 Wells Fargo Tnsurance Services Confidential. c0 2014 Welis Fargo Insurance Services. All rights reserved. 4/10/2014 mw\Proposal\Cfty of Cottage Grove 2014-2015.docm � City of Cottage Grove Coverages � � Open Meeting Law Claims-Made Carrier League of Minnesota Cities Insurance 1"rust Coverage Reimbursement to a City Official for 100% of the Defense Costs Incurred by the City Official in Defending an Open Meeting Lawsuit Reimbursement Limits $ 50,000 Defense Costs Per Lawsuit, Per Official - Maximum 50,000 Agreement Term Aggregate Per Official - Maximum 3/9/94 Retroactive Date � � Thls Insurance proposal (s a descrlptive summary of the lnsurance pollcles to be placed on your behalf based on risk Information provlded by you, It should be used for reference purposes only. Thls proposal is not Intended to represent, supersede, amend or alter the terms, condltlons, excluslons or other provlsions of the insurance contract between you and the insurance carrler. Only your insurance carrier may modlfy the terms of your Insurance policy. You are obllged to read your Insurance pollcy and advise your Wells Fargo Insurance Services' representative of any questions you have on the pollcy's terms and condltions. � 19 Wells Fargo Insurance Servlces Confidential. O 2014 Wells Fargo Insurance Servlces. All rights reserved. 4/10/2014 mw\Proposal\Clty of Cottage Grove 2014-2015.docm