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Pages 57-58

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From page 57...
... E-1   The following are common reasons for objecting to a shared-risk pool and the research team's responses. "We share insurance limits and coverage under a commercial insurance "blanket" policy and see no reason to change." Employing standard commercial insurance forms to cover exposures to risk of loss subjects the insured to hundreds of unintended terms, conditions, and exclusions limiting coverage.
From page 58...
... E-2 Shared-Risk Insurance Pools for Transit Agencies: A Guide entities participate in one or more risk pools. Pooling is prevalent in smaller and mid-size public entities because they derive especially powerful benefits from sharing risk through a pool.

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