06-066, Bickmore Risk Services
AGREEMENT
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City of
Cupertino
CITY OF CUPERTINO
10300 Torre Avenue
Cupertino, CA 95014
408-777 -3200
NO. tJ1)7J~S-370
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BY THIS AGREEMENT made and entered into on the I day of Vb US,
by and between the CITY OF CUPERTINO (Hereinafter referred to as CITY) and
Name (1)BI<::"KMO~ K'l.s.~ s'E:t<VI C.F_" (2)
Address \~31 K ~..,r<:FE'- City5~IZAM~""IO Zip'9~~/4Phone4'(~d.4-4--ll~2-
(Hereinafter referred as CONTRACTOR), in consideration of their mutual covenants, the parties hereto agree as
follows:
CONTRACTOR shall provide or furnish the following specified services and/or materials: Y~Aa.. "1.
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EXHIBITS: The following attached exhibits hereby are made part of this Agreement:
Cfv,-,\ 27) 2.06" "P/2..0POs:.AL- 10 P~cvr OE: AGTuAf1...IA L., SE'~VIc.-J:;:"".s
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TERMS: The services and/or materials furnished under this Agreement shall commence on vbL:>.sr' '''7; 200"
and shall be completed before s: €PTe:r-fAPT<, ~O} ~06 ~
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COMPENSATION: For the full performance of this Agreement, CITY shall pay CONTRACTOR:
AJ0 4f'-1C>v f'../I NoT -ro i::..~C-EE'b f:4-) ;>"$'0,
GENERAL TERMS AND CONDITIONS
Hold Harmless. Contractor agrees to save and hold harmless the City, its officers, agents and employees from any
and all damage and liability of every nature, including all costs of defending any claim, caused by or arising out of the
performance of this Agreement. City shall not be liable for acts of Contractor in performing services described herein.
Insurance. Should the City require evidence of insurability Contractor shall file with City a Certificate of Insurance
before commencing any services under this Agreement. Said Certificate shall be subject to the approval of City's
Director of Administrative Services.
Non-Discrimination. No discrimination shall be made in the employment of persons under this Agreement because
of the race, color, national origin, ancestry, religion or sex of such person.
Interest of Contractor. It is understood and agreed that this Agreement is not a contract of employment in the sense
that the relation of master and servant exists between City and undersigned. At all times Contractor shall be deemed
to be an independent contractor and Contractor is not authorized to bind the City to any contracts or other obligations
in executing this Agreement. Contractor certifies that no one who has or will have any financial interest under this
Agreement is an officer or employee of City.
Changes. This Agreement shall not be assigned or transferred without the written consent of the City. No changes
or variations of any kind are authorized without the written consent of the City.
CONTRACT CO-ORDINATOR and representative for CITY shall be:
NAME ~AV ID Woo DEPARTMENT hNA~C-X:::
This Agreement shall become effective upon its execution by CITY, in witness thereof, the parties have executed this
Agreement the day and year first written above.
CONTRACTOR:
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CITY OF CUPERTINO:
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Thursday, July 27, 2006
Mr. David Woo
Finance Director
City of Cupertino
10300 Torre Avenue
Cupertino, CA 95014
RE: Proposal for Actuarial Consulting Services - Bickmore Risk Services
Dear Mr. Woo:
Bickmore Risk Services (BRS) is pleased to submit this proposal for actuarial
services to the City of Cupertino (the City). We understand that the primary objective
of the study is to determine year-end estimated outstanding liabilities and program-
year funding for the City's self-insured workers' compensation program.
We perform actuarial studies such as the one you are requesting for a number of
municipalities each year. In addition, we perform studies for many city pools,
including the CPEIA pool, of which the City of Cupertino is a member. As a result, we
are already quite familiar with the City's experience as a self-insured entity.
We understand that there are number of casualty actuarial consulting firms from
which you may select. At BRS, we do not provide a boiler-plate actuarial review at a
budget price, but strive to tailor our reports to our client's needs. In addition to the
importance of providing an actuarial review high in technical quality, we believe that
major elements in quality service and client retention are the speed with which we
provide our work products and the high level of attention provided by our consultants.
We go beyond providing just "the numbers", and try to provide insight into the
reasons behind, and the implications of, our findings. Our goal is to be thought of by
our clients as a member of their self-insured program decision-making team.
Probably the best indicator of the level of service we provide is our client retention
ratio. Of the more than 150 clients that we have provided actuarial services for over
the most recent three years, only five of those have subsequently used a different
actuary. Of those five,one hired us back the same year and one the next year.
We believe that Bickmore Risk Services is particularly well qualified to perform this
engagement. We have significant experience in analyzing both primary workers'
compensation programs for California public agencies. We look forward to the
opportunity to demonstrate our consulting capabilities, which are highlighted below.
. We have extensive, relevant experience with California public agency self-
insured workers' compensation programs and have intimate knowledge of
the issues and trends affecting their loss experience. We have completed
over 250 assignments for over 150 clients similar to those the City is
requesting in the most recent three years.
. We are recognized leaders in the timely delivery of high quality actuarial
services.
. We understand the importance of providing timely responses to your
needs. We can offer our assurance that you will consistently receive a high
level of attention from our consultants.
. We perform our actuarial analyses with awareness of the legal, social and
political environments in which claims are generated and also of the
manner in which claims are administered after they have been filed.
. We have the depth and breadth of talent to support this engagement.
I will serve as project manager for this assignment. As such, I will provide overall
direction to the consultants performing the technical analysis and will serve as the
primary contact for the City. I strive to provide outstanding service to my clients,
making myself available at all times. The project team will consist of me, along
with appropriate support staff.
Please call me at (916) 244-1162 with any questions you may have with regard to
our proposal.
Respectfully Submitted,
Bickmore Risk Services
~t-
Mike Harrington
Fellow, Casualty Actuarial Society
Member, American Academy of Actuaries
Bickmore Risk Services - 2
Proiect Staffin~
The project team itself will consist of two highly experienced consultants, along with
appropriate support staff. Mike Harrinqton will serve as project manager for this
assignment. He can be reached by telephone at (916) 244-1162, and his work office
is 1831 K Street, Sacramento, CA 95814. As such, he will oversee all contract
activities performed by BRS, and he will serve as the primary contact for the City.
Mike provides outstanding service to his clients, making himself available at all times.
John Alltop will provide high-level oversight and actuarial peer review. He can be
reached by telephone at (916) 244-1160, and his work office is 1831 K Street,
Sacramento, CA 95814. Actuarial assistants will join the engagement team as well
and provide data compilation and preliminary actuarial analysis.
Mike Harrington is highly qualified to provide the type of actuarial support requested
by the City. Mike is a fully credentialed Fellow of the Casualty Actuarial Society
(FCAS) and a Member of the American Academy of Actuaries (MAAA). Mike
specializes in public agency self-insured program evaluations, having completed a
number of assignments in this capacity. John Alltop has also received the actuarial
designations of FCAS and MAAA, and provides actuarial services for numerous
California public agencies. Each of these consultants will bring to the assignment an
understanding of the many diverse factors which contribute to workers' compensation
costs, and the independence of mind with which they habitually approach all projects.
We provide resumes of each of the managers on the following pages.
In addition, we regard each client and its staff as part of the engagement team for the
assignment. We recognize that an outside consultant cannot understand the
operational aspects of an organization as well as those within the organization itself.
As a result, we attempt to learn from our clients so that we can be more responsive to
their needs. Further, we strive to educate our clients about our methods and
assumptions so that they will be in a better position to evaluate the appropriateness
of our conclusions and recommendations.
Bickmore Risk Services - 4
Mike Harrington, FCAS, MAAA
Experience
Bickmore Risk Services
Mr. Harrington joined Bickmore Risk Services in June 2003. He provides
actuarial and risk management consulting services to public entity pools and
self-insured organizations. Mike has over 13 years of experience as a
property/casualty actuary, including ratemaking, reserving, financial modeling,
and catastrophe management. He also serves on the Examination Committee
of the Casualty Actuarial Society.
Allied Insurance - Nationwide Insurance
Actuary. Mike was primarily responsible for performi~ rate reviews for the
Commercial Multi-Peril and Automobile lines, including development of
indicated rate changes and coordinating review schedules for 25 states.
California Casualty Insurance Company
Senior Actuarial Assistant. Mike completed reserve reviews. and financial
forecasts, as well as initiated the development of a dynamic financial analysis
(DFA) model.
Calfarm Insurance Company
Director. Mike managed aggregate catastrophe exposure growth for the
company, with emphasis on the earthquake peril using a computer model. He
also developed specifications for a geographic information system.
The Doctors Company
Senior Actuarial Analyst. Mike performed state rate reviews and large account
pricing for Medical Malpractice coverage.
Fireman's Fund Insurance Company
Actuarial Analyst. Mike's primary responsibility was periodic maintenance of a
reserve system of more ,than $3 billion in IBNR reserves. He also analyzed
reserves for various lines of business and assisted in the development of a
reserving database.
Academic Background
. Bachelor of Arts - Mathematics and Economics with Honors - University of
California, Davis. Phi Beta Kappa.
Professional Affiliations
. Fellow of the Casualty Actuarial Society (FCAS)
. Member of the American Academy of Actuaries (FCAS)
Bickmore Risk Services - 5
John Alltop, FCAS, MAAA
Experience
Bickmore Risk Services/Pacific Actuarial Consultants
Mr. John Alltop has over 15 years of experience in the actuarial field, including
nine in the casualty area. John is a principal of BRS and has been a
consultant since 1998. John brings extensive knowledge of insurance and claims
operations to his work. John is a member of the Casualty Actuarial Society
Ratemaking Committee and has also presented seminars at PARMA on
managing pool equity.
John specializes in public agency self-insured programs. In that capacity, he
has completed numerous assignments, including actuarial reviews of the
financial position of self-insurance programs, designs of cost allocation
formulas for self-insurance programs, equity distribution plans, self-insurance
feasibility studies, insurance company rate level determination reviews, and
workers' compensation cash flow analyses.
Calfarm Insurance Company
Chief Commercial Actuary. Mr. Alltop was the Chief Commercial Actuary for
this regional California insurance company, which specializes in commercial
multi-peril lines of business.
Fireman's Fund Insurance Company
From 1991 through 1996, Mr. Alltop held various positions within Fireman's
Fund Insurance Company's actuarial department, including managing the
commercial groups and associations unit and acting as an actuarial liaison to
the claims department.
Academic Background
. Bachelor of Science - Mathematics - UC Santa Barbara
Professional Affiliations
. Fellow of the Casualty Actuarial Society (FCAS)
. Member of the American Academy of Actuaries (MAAA)
Bickmore Risk Services - 6
Profile on the ProposinQ Firm
Bickmore Risk Services is a California corporation, founded in 1984, which provides
full-service risk management consulting to public agencies. BRS provides actuarial,
budgeting, pool administration, risk management and loss control services to self-
insured and insured joint powers authorities (pools). BRS is the largest independent,
non-brokerage affiliated pool management firm in the state. We do not affiliate with
any company that sells insurance or offers claims adjusting services; we strongly
believe that pool management should be independent from brokerage and third party
administrative services. Our staff of professionals includes four actuaries, five pool
managers, four CPAs, three attorneys, one workers' compensation certified
professional and two loss control specialists.
BRS provides additional advantages to its actuarial clients due to their experience in
non-actuarial areas such as data collection, administration, program structure and
underwriting. In responding to issues in these areas, BRS's actuaries can draw on
not only their actuarial experience but also the experience of BRS's other employees.
BRS's non-actuarial expertise has also improved their actuarial analyses. For
example, given the particularly volatile workers' compensation market in California,
BRS was selected by the California Division of Workers' Compensation to study the
effects of reforms enacted in 2003 and 2004. We are also careful to watch for new
legislation and its potential impact on our clients.
BRS has performed numerous studies similar to those requested by the City. In fact,
we have completed over 250 assignments for more than 150 California public
agencies in the last three years. The majority of these projects were analyses of self-
insured workers' compensation and general liability programs. These projects
included requirements similar to those requested by the City; i.e., estimate the
programs' outstanding liabilities as of the fiscal year-end at both discounted and
undiscounted bases as well as at various confidence levels.
In addition to the non-actuarial services mentioned above, BRS has also provided
non-standard actuarial services for a number of clients. These services include
analyzing the current fund balance requirement for a major city's automobile leasing
program, development of a five-year funding plan for a county, development of cost
allocation and experience modification plans for four clients and development of a
target funding policy and integrated equity distribution plan for a pool of California
cities.
Bickmore Risk Services - 7
Scope of Services
The City of Cupertino is seeking Actuarial Consulting Services to provide
calculations of the reserve and funding requirements of the City's self-insured
workers' compensation program.
The study will be based on generally accepted actuarial principles, sufficient to
satisfy generally accepted accounting principles, which require that a liability be
established for unpaid claims, including those that are yet to be reported. The
objective of the study is to assist the City in its determination of an adequate level
of funding for its workers' compensation program. The study will include:
1. Outstanding Losses: Estimation of outstanding losses and loss
adjustment expenses for claims incurred from the inception of the
program through June 30, 2006.
2. Recommended Funding: Estimation of recommended funding levels for
fiscal year 2006-07. The levels will reflect projected losses and loss
adjustment expenses.
I preparing the study, we will:
1. Review financial, claims experience, and exposure data pertaining to the
self-insured program
2. Review all available paid and reported loss histories for the program
3. Determine the confidence level of estimated program assets as of June
30, 2006 relative to the outstanding liabilities.
4. Estimate the programs' future annual cash flow requirements for a given
number of fiscal years, separately identified for each accident year.
5. Estimate the appropriate Governmental Accounting Standards Board
(GAS B) required reserve for outstanding liabilities as of June 30, 2006
for the program, and include a statement of compliance with GASB 10.
6. Prepare a written report summarizing conclusions and recommendations
and documenting the analysis
7. Meet with City officials and possibly with an external auditor to discuss
the report
We will include sufficient documentation, details, and descriptions to enable the City
to evaluate the actuarial methodology, indexes, and mathematical approaches we
use to estimate claims costs. All exhibits in our reports are footnoted to enable our
clients to trace calculations back to the original source. In addition, at the end of our
text we include a glossary of actuarial terms. We present an executive summary at
the front of our report, a section detailing our conclusions and recommendations, and
our exhibits and appendices begin with summary exhibits and increase in level of
detail throughout the appendices.
Bickmore Risk Services - 8
Work Plan and MethodoloQv
Reliance on the City Historical Experience
There are three primary areas of importance when considering the extent to which
actuarial techniques rely on a particular client's own loss experience versus industry
experience: loss development factors, an assumed size of loss distribution, and trend
factors. The extent to which BRS typically relies on an individual client's loss
experience depends on the credibility of the entity's data (as measured by volume of
losses) and the stability of the data. Although some entities do not generate a
sufficient volume of losses to form a credible database, their loss experience is very
stable from year to year, warranting a high level of reliance on their own data. Other
entities have large expected losses but highly variable loss experience, creating
heavy reliance on industry data.
If available we will rely highly on the City's data when selecting loss development
patterns for the workers' compensation program, but we will supplement this
information with the loss development that of other public agencies in California. To
the extent we use industry data, it will not be used explicitly in place of the City
experience. Instead, the industry data will be adjusted according to its general
relationship to the City experience. .
We will use a size of loss distribution when producing estimates of the program's
losses in the layer between $100,000 and the SIR. In this step, we will use an
industry based loss. distribution, adjusted for the general relationship between the
City experience and the assumed distribution.
For the workers' compensation program, we use WCIRB factors. In addition, we will
apply industry trends for the loss rate, severity, and frequency. We will also explicitly
adjust for the impact of AB 749, AB 227, SB 228, and SB899.
In summary, our approach will be to rely on the City experience to the extent that it is
credible. To the extent that it is either not credible, or contains to much random
variation, we will use industry experience, adjusted for its general relationship to the
City experience. Regardless of which is used, our report will include a perspectives
section where the City's loss rates, severities, frequencies and trends are discussed
in relation to comparable California public agencies.
Bickmore Risk Services - 10
Approach To Estimate Loss and Loss Adiustment Expenses
The initial step in the analyses will be to estimate the programs' ultimate self-insured
losses (including allocated loss adjustment expenses) by program year. If the
necessary data is available, we will approach the problem of estimating these losses
from two perspectives. First, we will estimate the ultimate loss cost for the first
$100,000 of each occurrence. Second, based on these estimates, and a
mathematical equation for the distribution of the City's losses by size, we will then
estimate the ultimate loss cost for the limits for which the City is responsible. (We will
use the City's historical data available for claims in excess of $100,000 to test the
reasonableness of our model in the layers excess of $100,000.)
Separating the analysis into limited and excess layers in this manner provides
several advantages over analyzing the full value of each occurrence. First, the
$100,000 limited portion of each claim is more stable, hence more predictable, than
the full value. Also, this method enables us to smooth the impact of the occasional
large loss incurred by the programs. Large losses can significantly deteriorate the
predictability of historical loss development, as well as the use of historical
experience to project future funding levels. Finally, this method of analysis provides
further insight into the trends and issues facing the programs.
We will apply several different actuarial estimation techniques in deriving our
estimates of ultimate loss for the both the $100,000 limited losses and the programs'
SIR limited losses discussed in the previous paragraph. These techniques include:
+ Incurred Loss Development
+ Paid Loss Development
+ Exposure Development Based on Incurred Losses
+ Exposure Development Based on Paid Losses
+ Frequency Times Severity
Each technique relies on a specific set of assumptions about the stability of the
claims environment and thus provides additional insight into trends in claims costs.
Of course, each method will also give spurious results when the important
assumptions on which it relies are violated. Thus, the methods applied act as checks
and balances against one another, and, within reason, the more methods that can be
applied, the better.
It may be necessary to apply additional techniques to quantify changes in the
program's administration and/or claims environment. A modification of the program's
case reserving philosophy, a change in the timing of payments and/or claims closing
rates, or the implementation of new loss control programs may necessitate the use of
additional actuarial methods. These might include:
Bickmore Risk Services - 11
+ Restated Incurred Loss Development
+ Restated Paid Loss Development
+ Case Reserve Development
Funding requirements and rates will be determined based on the programs' historical
loss rates, and an estimate of the projection year exposure to be provided by the
City. For the projected fiscal year, we typically select a three or five-year average of
the program's historical $100,000 limited loss rates, adjusted for any favorable or
adverse trends the program is experiencing. We then apply an increase limits factor,
based on the size of loss distribution mentioned previously, and an estimated benefit
level and trend factor to produce the rate applicable to the program's self-insured loss
layers.
Estimates of the program's incurred and outstanding claims administration costs will
be based on estimated budgeted claims administration costs, and the program's
claims reporting and closing patterns.
All other loss related estimates outlined in the Scope of Work section are produced
based on our estimates of the program's ultimate losses, the size of loss distribution,
and the program's payout and reporting patterns.
We routinely follow a multi-step procedure to move us from the analysis phase of our
evaluation to the point where our conclusions can be finalized:
. Our preliminary conclusions and recommendations are documented in a draft
report which includes appropriate supporting exhibits and calculations.
. Internal peer and technical reviews are performed on the work product.
. Our draft report will then be presented to the City for comment.
. We finalize our reports only after considering and incorporating the feedback
received from the City.
As consultants who have worked extensively with public agency self-insured program
issues, we know how to present our results in a fashion that will be understandable to
the City.
Bickmore Risk Services - 12
Proposal Costs
We propose to conduct the studies and submit the requested actuarial reports for
the flat fees displayed in the following table. The fees shown in the first column
apply to the completion of the full-scope studies described in Scope of Services
section of this proposal. The additional columns show fees for future full-scope
studies over a three-year period.
Fee Summary
Workers' Compensation
Year 1
Liabilities as of
June 30, 2006 and
2006-07 proiection
$4,250
Year 2
Liabilities as of
June 30, 2007 and
2007 -08 proiection
$4,375
Year 3
Liabilities as of
June 30, 2008 and
2008-09 proiection
$4,500
The fees above include attendance at one meeting for the program; Additional
meetings will be billed as special services at the rates specified below.
Special Services
Additional personal meetings beyond the first for each program will be billed at a
flat rate of $500 per meeting.
Should other services beyond the scope of work outlined above be required, we
will either negotiate a flat fee at the start of a project or we will bill for our time and
out of pocket expenses at the rates specified below.
Consultant
Mike Harrington
John Alltop
Actuarial Staff
Administrative Staff
Hourlv Rate
$200
200
85
40
Bickmore Risk Services - 13
Qualifications of the Firm - References
As previously mentioned, Bickmore Risk Services has been providing services to
public agencies for more than 20 years. With BRS's many professionals, and in
particular, the staff members dedicated to this project, the City can be assured that
the project requirements can be properly addressed.
BRS has provided actuarial services to more than 150 clients (comprising more than
250 studies) over the last three years. We are aware that it is a simple task to provide
a three to five client contacts that will provide good references. Therefore, we are
providing more clients to contact than the City requested. Although the vast majority
of our clients' studies are similar to those requested by the City, we are only providing
contact information for 25 due to our voluminous client list. We have listed the client,
contact person, address, phone number and years of studies for the last five years.
Please feel free to contact any of the clients listed below. We have also listed many
of our remaining clients and if the City wishes to contact any in particular, we are
more than happy to provide the necessary information.
Probably the best indicator of the level of service we provide is our client retention
ratio. Of the more than 150 clients that we have provided services for over the most
recent three years, few have subsequently used a different actuary.
City of Santa Cruz
Ms. Patty Haymond
809 Center Street, Room 6
Santa Cruz, CA 95060
(831) 420-5073
2003,2004,2005
City of San Diego
Ms. Ashley Fenton
1200 Third Avenue, Suite 1000
San Diego, CA 92101-4107
(619) 236-6784
2004,2005
Northern CA Cities SIF
Ms. Marylin Kelley
500 Washington #300
San Francisco, CA 94111
(415) 371-5402
Annually 5+ years
Riverside County
Ms. Vicky Currier
PO Box 1120
Riverside, CA 92502
(909) 955-3533
Annually 5+ years
City of Palo Alto
Ms. Gina Honiker
P. O. Box 10250
Palo Alto, CA 94303
(650) 329-2278
2005
City of Sacramento
Mr. Pat Flaherty
915 I Street, 4th Floor
Sacramento, CA 95814
(916) 808-8587
2003,2004,2005
ABAG
Mr. Marcus Beverly
101 Eighth Street
Oakland, CA 94607
(510) 464-7969
Annually 5+ years
Fresno County
Mr. Kevin Fries
2220 Tulare St, 14th Floor
Fresno, CA 93721
(559) 488-2783
Annually 5+ years
Bickmore Risk Services - 14
City of Modesto
Ms. Ma~ Akin
101010 St.
Modesto, CA 95354
(209) 577-5446
Annually 5+ years
City of Moreno Valley
Mr. Mel Alonzo
14177 Frederick Street
Moreno Valley, CA 92552
(951) 413-3027
2004,2005
PAR SAC
Mr. Kin Ong
1525 Response Road
Sacramento, CA 95815
(916) 927-7727
Annually 5+ years
County of San Diego
Mr. Charlie Nares
444 W. Beech St., Ste 300
San Diego, CA 92101
(619) 578-5725
Annually 5+ years
San Joaquin County
Mr. Richard Pietz
24 S. Hunter St, Room 106
Stockton, CA 95202
(209) 468-3274
Annually 5+ years
Sacramento County
Mr. Steven Page
700 H Street, Rm 6750
Sacramento, CA 95814
(916) 874-7806
Annually 5+ years
EI Dorado County
Sherril Jodar
330 Fair Lane
Placerville, CA 95667
(530) 621-5597
Annually 5+ years
Bay Cities JPIA
Mr. John Chaquica
1020 19th Street #200
Sacramento, CA 95814
(916) 491-1435 x216
Annually 5+ years
Redwood Empire SIG
Mr. Joe Meyers
3540 Mendocino Ave #120
Santa Rosa, CA 95403
(707) 573-3966
Bi-annually 5+ years
San Luis Obispo County
Mr. Art Giumini
412 Higuera Street, Ste 100
San Luis, CA 93401
(805) 781-4300
AnnuaHy 5+ years
Sonoma County
Ms. Marcia Chadbourne
575 Administration Dr, #116C
Santa Rosa, CA 95403
(707) 565-2473
Annually 5+ years
Local Agency WC Excess JPA
Ms. Jeanette Workman
1 020 19th Street #200
Sacramento, CA 95814
(916) 491-1435 x210
Annually 5+ years
Contra Costa County SIG
Mr. Guy Schuelke
3478 Buskirk Avenue #333
Pleasant Hill, CA 94523
(925) 942-3291
Annually 5+ years
Bickmore Risk Services - 15
Merced County
Mr. Terry Roberts
2222 M Street
Merced, CA 95340
(209) 385-7356
Annually 5+ years
, '.
CSAC EIA
Mr. Mike Fleming
3017 Gold Canal, Ste 300
Rancho Cordova, 95670
(916) 631-7363
Annually 5+ years
S. Clara Valley Water Dist.
Mr. Ron Whipp
5750 Almaden Expressway
San Jose, CA 95118
(408) 265-2607 x2213
Bi-annually 5+ years
North Bay SIG
Ms. Ricki Wiliams
380 Chadbourne Road
Suisan, CA 94585
(707) 428-1830
Annually 5+ years
Central San Joaquin Valley Risk Management Authority, annually 5+ years
Vector Control Joint Powers Agency, annually 5+ years
California Fair Services Authority, annually 5+ years
Northern California Special Districts Authority, annually 5+ years
American River Fire Protection Agency, bi-annually 5+ years
Amador County, biannually 5+ years
Butte County, annually 5+ years
Calaveras County, annually 5+ years
Golden State Risk Management Authority (Glenn County), annually 5+ years
Humboldt County, annually 5+ years
Imperial County, bi-annually 5+ years
Kings County, tri-annually 5+ years
Madera County, annually 5+ years
Marin County, bi-annually 5+ years
Monterey County, annually 5+ years
Napa County, tri-annually 5+ years
Placer County, tri-annually 5+ years
Santa Clara County, annually 5+ years
Shasta County, annually 5+ years
Stanislaus County, bi-annually 5+ years
Trindellnsurance Fund, annually 5+ years
Tuolumne County, tri-annually 5+ years
Yuba County, annually 5+ years
Bickmore Risk Services - 16