{
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        {
            "id": "p11.1",
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            "type": "text",
            "bbox": {
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            "text": "will report the claim payments to the Centers for Medicare and Medicaid Services (CMS) as required."
        },
        {
            "id": "p11.2",
            "order": 2,
            "type": "text",
            "bbox": {
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            "text": "$3,000,000 single General Aggregate Limit"
        },
        {
            "id": "p11.3",
            "order": 3,
            "type": "text",
            "bbox": {
                "l": 75.36,
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            "text": "No charge for Terrorism coverage"
        },
        {
            "id": "p11.4",
            "order": 4,
            "type": "text",
            "bbox": {
                "l": 75.36,
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            "text": "• Per the underwriter, quotes are subject to:"
        },
        {
            "id": "p11.5",
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            "type": "text",
            "bbox": {
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            "text": "Receipt of your 2021 audited financial statement. UE's reserves the right to amend their quoted terms if there are major concerns"
        },
        {
            "id": "p11.6",
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            "type": "text",
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            "text": "As the cost to defend claims has risen significantly over the past 5 years coupled with social inflation, nuclear verdicts, litigation funding and plaintiff-friendly legal decisions, no later than 20 days prior to renewal, UE may re-evaluate KSU's loss experience and adjust the renewal terms if there are substantial changes."
        },
        {
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            "type": "text",
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            "text": "The underwriter advises they might take underwriting action on the 2023 renewal if the following risk management items are not adequately addressed:"
        },
        {
            "id": "p11.8",
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            "bbox": {
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            "text": "",
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            "children": [
                {
                    "id": "p11.8.1",
                    "order": 9,
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                    "bbox": {
                        "l": 146.16,
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                    "text": "MVRs (Motor Vehicle Reports) should be checked at least every three years for all employees who regularly drive on institution-related business?"
                },
                {
                    "id": "p11.8.2",
                    "order": 10,
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                    "text": "Regarding Motor Vehicle Records (MVRs), we expect all of our members to have written guidelines, such as a point system, to disqualify drivers with an unsatisfactory MVR. I’ve attached a Risk Management document that provides some additional information and we would need to have Kentucky State implement such guidelines."
                },
                {
                    "id": "p11.8.3",
                    "order": 11,
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                    "text": "UE expects that all p[p11.8.3.1]arties that operate camps on campus be required to show proof of sexual molestation liability coverage with limits of at least $1,000,000 and we will monitor their response to that question next renewal to determine if any underwriting action needs to take place.",
                    "marker": "■",
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                            "id": "p11.8.3.1",
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                            "text": "3^{rd}",
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                    "order": 13,
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                    "text": "On the Greek-letter Organizations section, is alcohol, hazing and sexual assault liability included in the GL policies that those organizations purchase? Or is it specifically excluded? Last year, the application states that Kentucky State does require proof of alcohol, hazing and sexual assault liability coverage but they answered \"no\" this year. UE does expect for that coverage to be either included in those organization's GL coverage or for a separate policy to be purchased.",
                    "marker": "■"
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            ]
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            "id": "p11.9",
            "order": 14,
            "type": "heading",
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            "text": "United Educators Insurance Co-GLX (Excess Liability) policy",
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            },
            "level": 3
        },
        {
            "id": "p11.10",
            "order": 15,
            "type": "list",
            "bbox": {
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                "r": 349.92,
                "b": 190.08
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            "text": "",
            "attrs": {
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            "children": [
                {
                    "id": "p11.10.1",
                    "order": 16,
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                    "bbox": {
                        "l": 79.92,
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                    "text": "UE's Renewal Risk Management Premium Credit is $3,863"
                },
                {
                    "id": "p11.10.2",
                    "order": 17,
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                    "bbox": {
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                    "text": "No charge for Terrorism coverage"
                },
                {
                    "id": "p11.10.3",
                    "order": 18,
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                    "bbox": {
                        "l": 80.4,
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                    },
                    "text": "Defense Costs remain inside Limit of Liability",
                    "marker": "•"
                }
            ]
        },
        {
            "id": "p11.11",
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            "type": "footer",
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            "text": "Page 11 of 40",
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