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'.. <br />Premiums <br />Projected <br />1986 <br />1987 <br />1987 <br />Multi Peril <br />Policy - Liability <br />$ 33,630 <br />$32,606 <br />$ 45,045 <br />Public Official <br />4,443 <br />7,015 <br />5,331 <br />Auto, Liability <br />8,186 <br />7,382 <br />9,823 <br />Umbrella <br />15,000* <br />181000* <br />18,000 <br />Reserve Assessment <br />4,560** <br />-0- <br />Workmens Compensation <br />36,864 <br />-0-*** <br />55,528 <br />Monies & Securities <br />107 <br />107 <br />128 <br />Bond Insurance <br />715 <br />1,186 <br />858 <br />Liquor Liability <br />9,874 <br />6,847 <br />12,788 <br />Equip Floater Computer <br />250 <br />500 <br />300 <br />Boiler Insurance <br />174 <br />150 <br />174 <br />Agent of Record <br />2,500 <br />4,350 <br />4,500 <br />$116,303 <br />$78,143 <br />$152,475 <br />* Estimate <br />** Reserve Assessment - One time charge <br />*** Workmens Comp rates will be available in 3 weeks <br />Please Note <br />Auto insurance decreased due to higher deductibles 1986 $50 comp <br />and $100 collision, 1987 $250 comp and $500 collision, also <br />multi peril has raised the deductible from $250 to $500. <br />Liability is going to a claims made policy in 1987 rather than <br />the occurrence, this will pose no problems in 1987, but should we <br />change carriers in 1988 it could create a problem. For instance <br />if we would change carriers in 1988 and receive a claim that <br />occurred in 1987 the former carrier would not accept liability. <br />This change is reflected in a reduced general liability premium. <br />