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Home My WebLink AboutLiability_Protection_Program_2022-23 • s _- LIABILITY PROGRAM INTEGRITY EXCELLENCE I INNOVATION Protection period: TEA MWORK iAll July 1,2022 to July 1,2023 a Overview.............................................1-2 Detail................................................3-11 Coverage Tower.....................................12 Schedule of Insurers..........................13-15 C\I.I FORNIA I I ' p ' I • A CALIFORNIA J , P , I , A Providing innovative risk management solutions for our public agency partners LIABILITY PROGRAM Overview • July 1,2022 LP 22 (Supersedes LP 21) Program Liability Protection Program losses have a self insured retention up to$30 million.Reinsurance and excess insurance are purchased from$6 million to $45 million'.This program provides coverage for general liability and auto liability exposures. Protection Period July 1,2022 at 12:01 a.m.to July 1,2023 at 12:01 a.m.Pacific Time Protects A. California JPIA Members(including commissions,agencies,authorities,or similar entities that qualify in the definition of Member in the Memorandum of • Liability Coverage);and B. Any person or entity defined in the Memorandum of Liability Coverage as a Protected Party. Covers Legal obligations to pay as damages by reason of tort liability imposed by law • because of one or more of these defined damages: 1. Bodily Injury 2. Property Damage 3. Personal Injury 4. Public Officials Errors and Omissions 5. Broadcast/Publication Injury 6. Employment Practices Injury 7. Employee Benefits Administration Liability 8. Termination of City Manager's Employment Limits LIMITS PER MEMBER(Liability) $50,000,000 Per Occurrence Per Member LIMITS PER MEMBER(Subsidence) $50,000,000 Per Occurrence Per Member Major Exclusions REVIEW COVERAGE DOCUMENTS FOR ALL EXCLUSIONS 1. Owned airport,aircraft,or watercraft; 2. Workers Compensation or similar employment-related claims; 3. Damage to owned or leased property,or property in the care,custody or control of the member; 4. Dam failure in self-insured layers; 5. Condemnation or Inverse Condemnation; 6. Pollution/Hazardous Materials(limited coverage); 7. Ionizing radiations or radioactive material(limited coverage); 8. Failure to supply utility service; 9. Medical care activities(limited coverage); THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFYTHE MEMORANDUM OF COVERAGE, NORTHE REINSURANCE OR EXCESS INSURANCE DOCUMENTS. FOR FULL COVERAGE DETAILS SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA OFFICE. EFFECTIVE JULY 1,2022 Rev:7/1/22 Page 1 LIABILITY PROGRAM Overview • Major Exclusions(Continued) 10. Use or operation of any railroad;Quiet Zones;wayside horns; 11. Wrongful termination,or failure to hire or promote(limited coverage); 12. Punitive damages; 13. Adoption or administration of an ordinance,land use entitlements; 14. Antitrust; 15. Equitable or similar actions not for monetary damages; 16. Loss of money,securities,or refunds; 17. Suits by a Member against a protected party; 18. Organic Pathogens 19. Cyber Liability Annual aggregate deductibles(AAD)of$3 million($10M x$10M layer)and • $2 million($10M x$20M)apply to all losses up to$30 million. • • THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFYTHE MEMORANDUM OF COVERAGE, NORTHE REINSURANCE OR EXCESS INSURANCE DOCUMENTS. FOR FULL COVERAGE DETAILS SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA OFFICE. EFFECTIVE JULY 1,2022 CALIF0P,NI I 1 I' 1 1 Rev:7/1/22 Paget LIABILITY PROGRAM Detail July 1,2022 to July 1,2023 • Covered Parties California Joint Powers Insurance Authority and participating members Address 8081 Moody Street,La Palma,California 90623 Coverage $4,000,000 in excess of$6,000,000 Layer#:UA8T00012201 Protection Period July 1,2022 at 12:01 a.m.to July 1,2023 at 12:01 a.m.Pacific Time Coverage Provided By Government Entities Mutual (GEM)-100%of Layer A.M.Best Rating Government Entities Mutual(GEM)-Not rated • California Status Government Entities Mutual(GEM)-N/A Limits The reinsurer supports the California Joint Powers Insurance Authority's $30,000,000 limit for$4,000,000 excess of$6,000,000 per occurrence per • Protected Party • Terrorism is limited to an annual aggregate of$4,000,000. Self-Insured Retention $6,000,000 Per Occurrence Defense Costs and Expenses Included within the Limits and Self-Insured Retention Coverage Follows the Memorandum of Liability Coverage(MOC—LP) Territory Follows the Memorandum of Liability Coverage(MOC—LP) THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFYTHE MEMORANDUM OF COVERAGE, NORTHE REINSURANCE OR EXCESS INSURANCE DOCUMENTS. FOR FULL COVERAGE DETAILS SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA OFFICE. EFFECTIVE JULY 1,2022 CALIF0P,NI I 1 I' 1 1 Rev:7/1/22 Page LIABILITY PROGRAM Detail July 1,2022 to July 1,2023 • Major Exclusions All exclusions in the Memorandum of Liability Coverage(MOC—LP)apply. (Refer to details in Policies) • Pool (exception applies),Association,Syndicate,Exchange,Plan,Fund or other facility directly as a member,subscriber or participant,or indirectly by way of reinsurance or assessments. • Insolvency fund,including any guarantee fund,association,pool,plan,or other facility • Nuclear • War • Pollution Coverage written specifically to insure or reinsure punitive damages • Punitive,exemplary,consequential or compensatory damages • All reinsurance assumed by the Reassured,except internal pooling arrangements • Retroactive Coverage Asbestos • Silica • Sanction Limitation and Exclusion • Organic Pathogens • Cyber Liability Claims Reporting Carl Warren&Company P.O.Box 25180 Santa Ana,CA 92799-5180 Phone:(714)572-5200,or(800)572-6900 Fax:(714)961-8131 Email:publicentityclaims@carlwarren.com Contract contains the full reporting requirements. Broker Guy Carpenter Mike Waterman,Managing Director and Public Entity Segment Leader;Chicago,IL Isabella Pang,Vice President;Chicago,IL James Turner,Vice President;Philadelphia,PA THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFYTHE MEMORANDUM OF COVERAGE, NORTHE REINSURANCE OR EXCESS INSURANCE DOCUMENTS. FOR FULL COVERAGE DETAILS SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA OFFICE. EFFECTIVE JULY 1,2022 CALIF0P,NI 11 I' 1 1 Rev:7/1/22 Page 4 LIABILITY PROGRAM Detail July 1,2022 to July 1,2023 • Covered Parties California Joint Powers Insurance Authority and participating members LAddress 8081 Moody Street,La Palma,California 90623 Coverage* $10,000,000 in excess of$10,000,000 Includes a $3,000,000 Annual Aggregate Deductible(AAD) Layer#: UA8T00012202 Protection Period July 1,2022 at 12:01 a.m.to July 1,2023 at 12:01 a.m.Pacific Time Coverage Provided By Government Entities Mutual(GEM) 60%of Layer • Sequoia Pacific Reinsurance Company 25%of Layer Continental Indemnity Company • 15%of Layer • A.M.Best Rating Government Entities Mutual (GEM)-Not rated Sequoia Pacific Reinsurance Company-Not rated Continental Indemnity Company A(Excellent) Financial Size Category of XI ($750 Million to$1 Billion) California Status Government Entities Mutual (GEM)-N/A Sequoia Pacific Reinsurance Company-N/A Continental Indemnity Company-Authorized Reinsurer Limits The reinsurers support the California Joint Powers Insurance Authority's $30,000,000 limit for$10,000,000 excess of$10,000,000 per occurrence per Protected Party after the$3,000,000 AAD Sequoia Pacific has an aggregate limit of$7,500,000. Terrorism is limited to an annual aggregate of$10,000,000. Retention $10,000,000 Per Occurrence Defense Costs and Expenses Included within the Limits and Self-Insured Retention Coverage Follows the Memorandum of Liability Coverage(MOC—LP) Territory Follows the Memorandum of Liability Coverage(MOC—LP) THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFYTHE MEMORANDUM OF COVERAGE, - NORTHE REINSURANCE OR EXCESS INSURANCE DOCUMENTS. FOR FULL COVERAGE DETAILS SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA OFFICE. EFFECTIVE JULY 1,2022 C A L I F 0 R N I 11 I' 1 1 Rev:7/1/22 Page 5 LIABILITY PROGRAM Detail July 1,2022 to July 1,2023 • Major Exclusions All exclusions in the Memorandum of Liability Coverage(MOC—LP)apply. (Refer to details in Policies) • Pool (exception applies),Association,Syndicate,Exchange,Plan,Fund or other facility directly as a member,subscriber or participant,or indirectly by way of reinsurance or assessments. • Insolvency fund,including any guarantee fund,association,pool,plan,or other facility • Nuclear • War • Pollution Coverage written specifically to insure or reinsure punitive damages • Punitive,exemplary,consequential or compensatory damages • All reinsurance assumed by the Reassured,except internal pooling arrangements • Retroactive Coverage Asbestos • Silica • Sanction Limitation and Exclusion • Organic Pathogens • Cyber Claims Reporting Carl Warren&Company P.O.Box 25180 Santa Ana,CA 92799-5180 Phone:(714)572-5200,or(800)572-6900 Fax:(714)961-8131 Email:publicentityclaims@carlwarren.com Contract contains the full reporting requirements. Broker Guy Carpenter Mike Waterman,Managing Director and Public Entity Segment Leader;Chicago,IL Isabella Pang,Vice President;Chicago,IL James Turner,Vice President;Philadelphia,PA THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFYTHE MEMORANDUM OF COVERAGE, NORTHE REINSURANCE OR EXCESS INSURANCE DOCUMENTS. FOR FULL COVERAGE DETAILS SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA OFFICE. EFFECTIVE JULY 1,2022 CALIF0P,NI 11 I' 1 1 Rev:7/1/22 Page 6 LIABILITY PROGRAM Detail July 1,2022 to July 1,2023 • Covered Parties California Joint Powers Insurance Authority and participating members Address 8081 Moody Street,La Palma,California 90623 Coverage $10,000,000 in excess of$20,000,000 Includes a $2,000,000 Annual Aggregate Deductible(AAD) Layer#:UA8T00012203 Protection Period July 1,2022 at 12:01 a.m.to July 1,2023 at 12:01 a.m.Pacific Time Coverage Provided By Great American Insurance Company 40%of Layer • Berkley Insurance Company 20%of Layer Everest Reinsurance Company • 20%of Layer • Continental Indemnity Company 10%of Layer Sequoia Pacific Reinsurance Company 10%of Layer A.M.Best Rating Great American Insurance Company A+(Superior) Financial Size Category of XV($2 Billion or greater) Berkley Insurance Company A+(Superior) Financial Size Category of XV($2 Billion or greater) Everest Reinsurance Company A+(Superior) Financial Size Category of XV($2 Billion or greater) Continental Indemnity Company A(Excellent) Financial Size Category of XI ($750 Million to$1 Billion) Sequoia Pacific Reinsurance Company-Not rated California Status Great American Insurance Company-Authorized Reinsurer Berkley Insurance Company-Authorized Reinsurer Everest Reinsurance Company -Authorized Reinsurer Continental Indemnity Company-Authorized Reinsurer Sequoia Pacific Reinsurance Company-N/A THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFYTHE MEMORANDUM OF COVERAGE, - NORTHE REINSURANCE OR EXCESS INSURANCE DOCUMENTS. FOR FULL COVERAGE DETAILS SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA OFFICE. EFFECTIVE JULY 1,2022 CALIF0P,NI I 1 I' 1 1 Rev:7/1/22 Page LIABILITY PROGRAM Detail July 1,2022 to July 1,2023 • Limits The reinsurers support the California Joint Powers Insurance Authority's $30,000,000 limit for$10,000,000 excess of$20,000,000 per occurrence per Protected Party after the$2M AAD Berkley's aggregate limit is 10 times the occurrence limit(not applicable to AL) Sequoia Pacific has an aggregate limit of$3,000,000. Retention $20,000,000 Per Occurrence Defense Costs and Expenses Included within the Limits and Self-Insured Retention Coverage Follows the Memorandum of Liability Coverage(MOC—LP) • Territory Follows the Memorandum of Liability Coverage(MOC—LP) • Major Exclusions All exclusions in the Memorandum of Liability Coverage(MOC—LP)apply. (Refer to details in Policies) • Pool (exception applies),Association,Syndicate,Exchange,Plan,Fund or other facility directly as a member,subscriber or participant,or indirectly by way of reinsurance or assessments. • Insolvency fund,including any guarantee fund,association,pool,plan,or other facility • Nuclear • War • Pollution • Coverage written specifically to insure or reinsure punitive damages • Punitive,exemplary,consequential or compensatory damages • All reinsurance assumed by the Reassured,except internal pooling arrangements • Retroactive Coverage • Asbestos • Silica • Sanction Limitation and Exclusion • Organic Pathogens • Cyber • PFAS • Lead (only applies to Berkley) • Subsidence(only applies to Berkley) THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFYTHE MEMORANDUM OF COVERAGE, NORTHE REINSURANCE OR EXCESS INSURANCE DOCUMENTS. FOR FULL COVERAGE DETAILS SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA OFFICE. EFFECTIVE JULY 1,2022 CALIF0P,NI I I' Rev:7/1/22 Page LIABILITY PROGRAM Detail July 1,2022 to July 1,2023 • Claims Reporting Carl Warren&Company P.O.Box 25180 Santa Ana,CA 92799-5180 Phone:(714)572-5200,or(800)572-6900 Fax:(714)961-8131 Email:publicentityclaims@carlwarren.com Contract contains the full reporting requirements Broker Guy Carpenter ' Mike Waterman,Managing Director and Public Entity Segment Leader;Chicago,IL • Isabella Pang,Vice President;Chicago,IL James Turner,Vice President;Philadelphia,PA • • THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFYTHE MEMORANDUM OF COVERAGE, NORTHE REINSURANCE OR EXCESS INSURANCE DOCUMENTS. FOR FULL COVERAGE DETAILS SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA OFFICE. EFFECTIVE JULY 1,2022 CALIF0P,NI I 1 I' 1 1 Rev:7/1/22 Page LIABILITY PROGRAM Detail July 1,2022 to July 1,2023 • Covered Parties California Joint Powers Insurance Authority and participating members Address 8081 Moody Street,La Palma,California 90623 Coverage $15,000,000 in excess of$30,000,000 Protection Period July 1,2022 at 12:01 a.m.to July 1,2023 at 12:01 a.m.Pacific Time Coverage Provided By Allied World National Assurance Company(AWNAC) Policy#:0309-6727 A.M.Best Rating A(Excellent) Financial Size Category of XV($2 Billion or greater) • California Status Non-Admitted Limits $15,000,000 Per Occurrence Per Protected Party Allied World's aggregate limit is 4 times the occurrence limit • Retention $30,000,000 Per Occurrence Defense Costs and Expenses Included within the Limits and Self-Insured Retention Coverage Follows the Memorandum of Liability Coverage(MOC—LP) Territory Follows the Memorandum of Liability Coverage(MOC—LP) Major Exclusions All exclusions in the Memorandum of Liability Coverage(MOC—LP)apply. (Refer to details in Policies) Asbestos • OFAC • Organic Pathogens Claims Reporting Carl Warren&Company P.O.Box 25180 Santa Ana,CA 92799-5180 Phone:(714)572-5200,or(800)572-6900 Fax:(714)961-8131 Email:publicentityclaims@carlwarren.com Policy contains the full reporting requirements Broker Guy Carpenter Mike Waterman,Managing Director and Public Entity Segment Leader;Chicago,IL Isabella Pang,Vice President;Chicago,IL James Turner,Vice President;Philadelphia,PA THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFYTHE MEMORANDUM OF COVERAGE, NORTHE REINSURANCE OR EXCESS INSURANCE DOCUMENTS. FOR FULL COVERAGE DETAILS SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA OFFICE. EFFECTIVE JULY 1,2022 C A L I F 0 R N I I 1 I' 1 1 Rev:7/1/22 Page 10 LIABILITY PROGRAM Detail July 1,2022 to July 1,2023 • Covered Parties California Joint Powers Insurance Authority and participating members Address 8081 Moody Street,La Palma,California 90623 Coverage $5,000,000 in excess of$45,000,000 Protection Period July 1,2022 at 12:01 a.m.to July 1,2023 at 12:01 a.m.Pacific Time Coverage Provided By Retained by California Joint Powers Insurance Authority A.M.Best Rating Not Applicable California Status Not Applicable Limits $5,000,000 Per Occurrence Per Protected Party • Retention $45,000,000 Per Occurrence • Defense Costs and Expenses Included within the Limits and Self-Insured Retention Coverage Follows the Memorandum of Liability Coverage(MOC—LP) Territory Follows the Memorandum of Liability Coverage(MOC—LP) Major Exclusions All exclusions in the Memorandum of Liability Coverage (Refer to details in Policies) (MOC—LP)apply. Claims Reporting Carl Warren&Company P.O.Box 25180 Santa Ana,CA 92799-5180 Phone:(714)572-5200,or(800)572-6900 Fax:(714)961-8131 Email:publicentityclaims@carlwarren.com Policy contains the full reporting requirements. Broker Guy Carpenter Mike Waterman,Managing Director and Public Entity Segment Leader;Chicago,IL Isabella Pang,Vice President;Chicago,IL James Turner,Vice President;Philadelphia,PA THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFYTHE MEMORANDUM OF COVERAGE, NORTHE REINSURANCE OR EXCESS INSURANCE DOCUMENTS. FOR FULL COVERAGE DETAILS SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA OFFICE. EFFECTIVE JULY 1,2022 C A L I F 0 R N I I 1 I' 1 1 Rev:7/1/22 Page 11 LIABILITY PROGRAM Coverage Tower July 1,2022 to July 1,2023 • 50M $5,000,000 in excess of$45,000,000 California JPIA Retention • 45M $15,000,000 in excess of$30,000,000 Allied World National Assurance Co.(AWNAC Agg Limit$60M) • 30M • $10,000,000 in excess of$20,000,000(with$2M AAD*'*) 40%-Great American Insurance Company • 20%-Berkley Insurance Company* 20%-Everest Reinsurance Company 10%-Sequoia Pacific Reinsurance Company(Captive,Agg Limit$3M) 10%-Continental Indemnity Company 20MCaliforniaRetention $10,000,000 in excess of$10,000,000(with$3M AAD**) 60%-Government Entities Mutual(GEM) 25%-Sequoia Pacific Reinsurance Company(Captive,Agg Limit$7.5M) • 15%-Continental Indemnity Company 10M $3M AAD ceded to the Captive $4,000,000 in excess of$6,000,000 100%-Government Entities Mutual (GEM) 5M $3,000,000 in excess of$3,000,000 100%-Sequoia Pacific Reinsurance Company(Captive,Agg Limit$9M) California JPIA$3,000,000 Retention 0 *Berkley excludes subsidence,Agg Limit$20M(Not applicable to Auto Liability) **AAD(Annual Aggregate Deductible):is defined as the deductible that California JPIA would pay that is otherwise recoverable from the contract.The annual aggregate amount can be satisfied with one loss or multiple losses during the year. Rev:7/1/22 Page 12 LIABILITY PROGRAM Schedule of Insurers July 1,2022 to July 1,2023 • LIABILITY COVERAGE Limit:$4,000,000 Excess of$6,000,000 REINSURED BY CONTRACT LAYER#:UA8T00012201 GOVERNMENT ENTITIES MUTUAL(GEM) $4,000,000 California Status: N/A Standard&Poor's Rating: Not rated Best's Guide Rating: Not rated • LABILITY COVERAGE mit:$10,000,000 Excess of$10,000,000Includes a$3,000,000 Annual Aggregate D • REINSURED BY CONTRACT LAYER#:UA8T00012202 GOVERNMENT ENTITIES MUTUAL(GEM) $6,000,000 California Status: N/A Standard&Poor's Rating: Not rated Best's Guide Rating: Not rated REINSURED BY CONTRACT LAYER#:UA8T00012202 SEQUOIA PACIFIC REINSURANCE COMPANY $2,500,000 California Status: N/A Standard&Poor's Rating: Not rated Best's Guide Rating: Not rated REINSURED BY CONTRACT LAYER#:UA8T00012202 CONTINENTAL INDEMNITY COMPANY $1,500,000 California Status: Admitted Standard&Poor's Rating: Not rated Best's Guide Rating: A(Excellent) Financial Size Category of XI ($750 Million to$1 Billion) Rev:7/1/22 Page 13 LIABILITY PROGRAM Schedule of Insurers July 1,2022 to July 1,2023 • R LIABILITY COVERAGE ow it.-$10,000,000 Excess of$20,000,000Includes a$2,000,000 Annual Aggregate Deductible(AAD) REINSURED BY CONTRACT LAYER#:UA8T00012203 GREAT AMERICAN INSURANCE COMPANY $4,000,000 California Status: Admitted Standard&Poor's Rating: A+ Best's Guide Rating: A+(Superior) Financial Size Category of XV • ($2 Billion or greater) REINSURED BY CONTRACT LAYER#:UA8T00012203 BERKLEY INSURANCE COMPANY • $2,000,000 • California Status: Admitted Standard&Poor's Rating: A+ Best's Guide Rating: A+(Superior) Financial Size Category of XV ($2 Billion or greater) REINSURED BY CONTRACT LAYER#:UA8T00012203 EVEREST REINSURANCE COMPANY $2,000,000 California Status: Admitted Standard&Poor's Rating: A+ Best's Guide Rating: A+(Superior) Financial Size Category of XV ($2 Billion or greater) REINSURED BY CONTRACT LAYER#:UA8T00012203 CONTINENTAL INDEMNITY COMPANY $1,000,000 California Status: Admitted Standard&Poor's Rating: Not rated Best's Guide Rating: A+(Excellent)) Financial Size Category of XI ($750 Million to$1 Billion) Rev:7/1/22 Page 14 LIABILITY PROGRAM Schedule of Insurers July 1,2022 to July 1,2023 • � R LIABILITY COVERAGE Limit:$ xcess of$20A00,000Includes nual Agctible(AAD) REINSURED BY SEQUOIA PACIFIC CONTRACT LAYER#:UA8T00012203 REINSURANCE COMPANY $1,000,000 California Status: N/A Standard&Poor's Rating: Not rated Best's Guide Rating: Not rated • LIABILITY COVERAGE Limit:$15,000,000 Excess of$30,000,000 • REINSURED BY ALLIED WORLD POLICY#:0309-6727 NATIONAL ASSURANCE COMPANY $15,000,000 California Status: Non-Admitted Standard&Poor's Rating: A- Best's Guide Rating: A(Excellent) Financial Size Category of XV ($2 Billion or greater) r LIABILITY COVERAGE Limit: 5 000,000 Excess of$45,000,000 RETAINED BY CALIFORNIA JOINT POWERS INSURANCE AUTHORITY $5,000,000 California Status: Not Applicable Standard&Poor's Rating: Not Applicable Best's Guide Rating: Not Applicable Rev:7/1/22 Page 15