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NORTHERN CAPITAL INSURANCE
<br /> PROPERTY/CASUALTY RISK RETENTION ANALYSIS
<br /> CITY OF ELK RIVER (continued)
<br /> Optional Deductible $25,000/$100,000/$1,000
<br /> Approximate Premium: $201,908/Savings: $115,857
<br /> Policy Year Deductible Gain/Loss
<br /> 7/1/2008-2009 $22,607 + $93,250
<br /> 7/1/2009-2010 $36,361 + $79,496
<br /> 7/1/2010-2011 $58,409 + $57,448
<br /> 7/1/2011-2012 $2,217 + $113,640
<br /> 7/1/2012-2013 $44,704 + $71,153
<br /> Total + $414,987
<br /> 7/1/2013-2014 (11 months) $33,263 + $82,594
<br /> Optional Deductible $50,000/$100,000/$1,000
<br /> Approximate Premium: $141,822/Savings: $175,943
<br /> Policy Year Deductible Gain/Loss
<br /> 7/1/2008-2009 $22,607 + $153,336
<br /> 7/1/2009-2010 $61,361 + $114,582
<br /> 7/1/2010-2011 $92,445 + $83,498
<br /> 7/1/2011-2012 $2,217 + $173,726
<br /> 7/1/2012-2013 $69,704 + $106,239
<br /> Total + $631,381
<br /> 7/1/2013-2014 (11 months) $51,613 + $124,330
<br /> Optional Deductible $50,000/$150,000/$1,000
<br /> Approximate Premium: $169,519/Savings: $148,246
<br /> Policy Year Deductible Gain/Loss
<br /> 7/1/2008-2009 $22,607 + $125,639
<br /> 7/1/2009-2010 $61,361 + $86,885
<br /> 7/1/2010-2011 $92,445 + $55,801
<br /> 7/1/2011-2012 $2,217 + $146,029
<br /> 7/1/2012-2013 $69,704 + $78,542
<br /> Total + $492,896
<br /> 7/1/2013-2014 (11 months) $51,613 + $96,633
<br /> 1.This illustration is only a current indicator of future performance based on
<br /> historical claims experience.
<br /> 2. Equipment Breakdown premiums and claims not included, as no aggregate
<br /> deductible for this coverage.
<br /> 3. Law enforcement alleged Private Data Act violation claims not included.
<br /> 4. Land use claims have both a coinsurance and deductible, but only the deductible
<br /> is included (not shown on Loss Runs).
<br /> 5. Elk River Municipal Utilities claims are not included.
<br /> 6. Last major loss 5/25/08 Hail damage to vehicles and property-$103,472 paid
<br /> loss.
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