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Res No 160-11-13474RESOLUTION NO. 160-11-13474 A Resolution authorizing the City Manager to execute a policy of insurance with the Florida League of Cities, through the Florida Municipal Insurance Trust (FMIT) for Workers' Compensation Insurance; further authorizing the City Manager to execute a policy with Preferred Governmental Insurance Trust (PGIT) for Property, General Liability, and Automobile Liability. WHEREAS, the City insurance broker, Brown & Brown, has made solicitations for insurance quotes for Workers' Compensation Coverage and for Property, General Liability, and Automobile Insurance. WHEREAS Brown & Brown attempted to present other options for the City's insurance requirements, including quotations with insurance carriers holding an "A -" or better rating from A.M. Best Company, but they were unable to obtain any such quotes other than from FMIT and PGIT. WHEREAS, the City Administration, in conjunction with the report from Brown & Brown, recommends that the City continue coverage with the Florida League of Cities through FMIT for Workers' Compensation Coverage for the 2011 -2012 Fiscal Year based upon the current proposal; and WHEREAS, the City Administration, in conjunction with the report from Brown & Brown, recommends that the City continue coverage with the Preferred Governmental Insurance Trust for Property, General Liability, and Automobile Insurance for the 2011 -2012 Fiscal Year based upon the current proposal; NOW THEREFORE BE IT RESOLVED BY THE MAYOR AND CITY COMMISSION OF THE CITY OF SOUTH MIAMI, FLORIDA THAT: Section 1. That the City Commission hereby authorizes the City Manager to execute the renewal insurance policy for Workers' Compensation with FMIT for the 2011 -2012 Fiscal Year. Section 2. That the City Commission hereby authorizes the City Manager to execute the renewal insurance policy for Property, General Liability, and Automobile Insurance with PGIT for the 2011 -2012 Fiscal Year. Pg. 2 of Res. No. 160 -11 -13474 Section 3. This resolution shall take effect immediately upon adoption. PASSED AND ADOPTED this 20tWay of September 2011. ATTEST: CLERK OV MA COMMISSION VOTE: 4 -0 Mayor Stoddard: Yea Vice Mayor Newman: Yea Commissioner Beasley: Yea Commissioner Palmer: Yea Commissioner Harris: absent 04 Sou sq� South Miami bcftd 3 antcacite CITY OF SOUTH MIAMI , r OFFICE OF THE CITY MANAGER INTER - OFFICE MEMORANDUM To: The Honorable Mayor & Members of the City Commission Via: Hector Mirabile, Ph.D., City Manager From: LaTasha Nickle, Human Resources Director Subject: Workers' Compensation, Property, General Liability and Automobile Insurance Request: A Resolution authorizing the City Manager to execute the renewed policy with the Florida League of Cities, through the Florida Municipal Insurance Trust (FART) for Workers' Compensation Insurance; further authorizing the City Manager to execute the renewed policy with Preferred Governmental Insurance Trust (PGIT) for Property, General Liability, and Automobile Liability; providing for an effective date. Reason/Need: The City solicited and received proposals for the City's Workers' Compensation, Property; General Liability and Automobile Insurance coverage for FY 2011 -2012 from carriers currently righting municipal business in South Florida. The following table summarizes the responses received and the City Manager's recommendation. As set forth above, the City Manager recommends that the coverage continue to be divided between the two carriers. FMIT offers the most competitive rates for Workers' Compensation Insurance. The City continues to receive the company's preferred rating because of the continuing coverage, including a 5 %. credit for its Drug Free Work Place policy and a 2% credit for its Safety Policy, The City Manager recommends that the City renew its policy with PGIT for its Property, General Liability and Automobile Insurance coverage. The PGIT proposal contains the most favorable rates for all coverage except Workers' Compensation. Brown & Brown, Inc. presented the proposal on behalf of PGIT and attempted to present other options for the City's insurance placement from other carriers with an "A -" or better rating from A.M. Best Company. No other quotes were presented. 0 Backup Documentation: ❑ Proposed resolution. ❑ Proposal from FMIT ❑ Proposal from PGIT PREMIUM SUMMARY Renewal Premium Coverage Insurer 2011 -20121 Commercial Package Preferred Governmental Ins. Trust (Not Rated by A.M. Best) Property 92,786.00 Crime 517.00 General Liability 33,300.00 Public Officials Liability 13,894.00 Employment Practices Liability 6,608.00 Law Enforcement Liability 30,404.00 Automobile Liability 56,246.00 Automobile Physical Damage 13,969.00 TOTAL $ 250,231.00 "This Coverage Agreement shall be 25% minimum earned as of the first day of the "Coverage Period" PAYMENT TERMS: COMMERCIAL PACKAGE First Payment of $125,115.50 is due 10/01/11 Second Payment of $62,557.75 is due 12115/11 Final Payment of $62,557.75 is due 3/15/12 AUDITS: The General Liability and Automobile coverages are not subject to year -end audit or adjustment. Therefore, there would not be any additional premiums for increased liability exposures or additional vehicles purchased during the policy year. 22 CITY OF SOUTH MIAMI 6130 Sunset Drive South Miami, FL 33143 COMMERCIAL INSURANCE PROPOSAL October 1 s'2011 - 2012 Prepared 2 ROBERT HOLLANDER SENIOR VICE PRESIDENT Brown & Brown Miami Lakes Tel. 305 -364 -7800 — Fax 305 - 822 -5687 Date Prepared August 24, 2011 I INTRODUCTION OF THE ACCOUNT SERVICING TEAM ➢ Commercial Insurance (Property & Casualty) Primary Contacts • Robert Hollander Direct Tel. 305 - 364 -7818 Senior Vice President rhollander@bbmia.com • Mercy Garcia ACSR Direct Tel. 305 -364 -7865 Account manager mgarcia @bbmia.com ➢ Commercial Lines • Denise Newman, CIC Direct Tel. 305 - 714 -4519 Vice President— Commercial Lines Accounts Manager dnewman @bbmia.com D Marketing (Property & Casualty) • Marcel McSweeney, AAI Direct Tel. 305- 364 -7803 Vice President - Marketing Manager mmcsweeney@bbrnia.com ➢ Surety Division (Bonds) • Mayra Rodriguez Direct Tel. 305 - 714 -4527 marodriguez@bbmia.com ➢ Employee Benefits (Life, Health, Disability, Pension) Judy Menendez Direct Tel. 305 - 714 -4506 Benefits Manager jmenendez @bbmia.com ➢ Personal Lines (Automobile, Home, Boat etc) + Markelyne Almarales Direct Tel. 305 - 714 -4430 Personal Lines Manager malmarales @bbmia.com 14900 NVV 7e Court, Suite #200 Miami, Florida 33016 Phone 305- 714 -4400 o Fax. 305-714-4400 Toll Free 800. 432 -8844 www.bbmia.com COMMERCIAL PROPERTY COVERAGE SECTION INSURER Preferred Governmental Insurance Trust, Not Rated by AM Best COVERAGE LIMITS ( *) $ 18,753,986 Building & Contents Limit, per attached schedule - Blanket " Coverage Limits must be ultimately chosen by the Insured. We as Agents cannot recommend the adequate limit of protection. Nigher limits maybe available. Please let us know if a quote is desired. COVERAGE TERMS AND CONDITIONS Covered Losses Special Perils Coverage Including Mechanical Breakdown Valuation Replacement Cost Coinsurance Nil Deductible o $1,000 All perils per occurrence except as stated below: 0 5% Named Windstorm Deductible Per Occurrence subject to a minimum of $10,000 ( *) o $1,000 PER Flood, except zones A, V excess of NFIP, whether purchased or not Exclusions Exclusions include, but are not limited to, the following: War and Terrorism ( * ") Earthquake ( ") This Wind & Hail Deductible can be reduced to a lower deductible through the purchase of a Windstorm Deductible 'Buy- Back" policy which is available in the Excess & Surplus Lines market. The annual cost is approximately $20.00 PER $100 of coverage (the amount of.buy- down). ( * *) See Premium Summary Page for an option to include Terrorism Coverage as outlined in the Federal Terrorism Act 2002 3 PROPERTY COVERAGE EXTENSIONS FOR A FULL DESCRIPTION OF TERMS, DEFINITIONS AND CONDITIONS PLEASE REFER TO THE POLICY DOCUMENT COVERAGE Accounts Receivable LIMIT $250,000 Animals $1,000/$5,000 Debris Removal $250,000 Expediting Expense $55,000 Demolition, Ordinance, and Increased Cost of Construction $500,000 Fire Department Charges $25,000 Fungus Cleanup Expense $10,000/$20,000 Lawns, Plants, Trees and Shrubs $25,000 New Locations $2,000,000 Personal Property of Employees $25,000/$50,000 Pollution Cleanup Expense Limit $25,000/$50,000 Recertification $10,000 Service Interruption Coverage $100,000 Transit $250,000 Errors and Omissions $250,000 Preservation of Property $250,000 4 fSh ROP ape ?P�f ��Rs COMIJIS H Sit KeP� gqez v 005. 59IXI5 W. 0th Rr 't MWAI, FL33141 IWOU241 III Alm $121 SW 6m 'IT pobOtVeolks W�k* sw[618 ins w. n`dl 5'Jwm MAW, IaWnml Z=CIAW, M31141 005 "sth A �-. -214 $Ibl'soo 101 I'mme Clli'FiARAGE =,wz n'hA� i0lDV20ty 3 +65 << 1Y1 -- mc 007 aTln.PmvRkio0 th - Avg � SOM Nd4fJA. FLI3141 1 101011201, $63, 0� $ig-l�267 ------- COS £,it, nth 4veme savrili Ymml' mm!4} 1=112011 1olov2on sleim im QAWeS� fA?.Col PARK t 1i? ms PRO s"m m-moom 0600 Rm RMD 31'1.06'm bi m Cie D4N 5 FA<EU PARK ot.,GAZMS aso2 RS}. Rm 101011011 $65', 5,0 itaif Ars4apettrn AddTe.Y Yeer BnYtC eFf. llafe. " BU [nsYaFUO ' TPL937tmrred value ��.��, TeTm't}ae Cant:enG+fxDUB NOO. COvenng: Cnvenitg;Repa ROO'YC6., r5ii Dm 8Fw'ELL PARK -fi MR nu WNW, L4U1Yb°• BdIXl REO RAkD �••,•• SOUTH AYkfi FC 3374},^T S4f0]l2tltY TtrId1Y2UD" $523� $. $121r. ' 152 -NC OiZ 'DAMBaf?4ZEL PAP.Kf PUXOROUHO($6,5M .S6f1S 41474 WAtr „�••• .OLrrm'Oimm, FL 33143 lomil"Ir $10 #�0 ,t di -Frame 16/0Y/21597 $ OANTEB FASCatl CO.tWO MSiY 5F g6%i PUEp RdAD AlNii'kAJF/d1�F5''. 331 43 90fOtTZ0i5 46701 /2dt2 563, $ S63„0 931' - EN 044''6•FL7K :FVCH5PAIL4 PA WOR($451.0'C04TW5 INCLUDED) ^e4%FL3f YJUTFF ylSAiAi, fP.334 #3 tOlOtf2U]5 10 19tl2dIT $35, $ 1DE -flame Cris- FUC9R PAMPLAYGROUND$ b VWG SEF%. 6#3531Y CD .^REEF S1RIrii AVF/N, Ff; 339 43 iOTU'Ff20t1 T6T04T]SM12 $74,769 S70,70 1D9 -lM 4iY Pi1LMER -PARK - FIELD MRAGE BUILDIRG b!"x4, SY1 E5 STREEi WUit1111Atfd, £L 33143 TOM -,/ 1D tb101f2Dt2 $ 445;5 Y58 -Nf OfT PALAM1ERPAEM,FOOYBhLQ idWtAGE f<iD] 67(15. g \4r6TN kV£HVE -soly iPIMA, FL 33T43 501DET20if tOFOff20]2 $16',. . 5x$73 it2P�J III - JAN . 043 PALMER PA” FWTDAtL STORAGEROOfA, 3101 67414 AVERUC ;A_UTH Wfii, FL33143 1'Jk iffftYtl26Y4 4IIlOSam $93,. $15 . $52. 4 -JM 013 MWER;PAWFIEMHOUlt 6101 .67M AVEtm mp" k`JAM, EC 3t 143 tW0'rf2UYE .$tOF 20 i$YOYISO]f $9,;Lt4 020 PAWER PARK PLAYGROUND 6791 SJ1 b7Tl] AVENUE 50UTH 6!tliAly FL331+3 TOTOFI20]D 16fti9F?DT2 $Zb,.. $ S26„ I £a . 101-= FiRe Uxrxnp4um Yeah Buff Eff. 0azE Z iYwflu-e . T0311Pfed.value C46YYBe c0 „ a A9 a P R00 P R C:Vvemg C, SRp. .. Rp3TYTEL 02l P{�q ,PARK f 4 MctjIC TABIH oul Slip um AVEt E �OM.4 1, FL 33161 101011201E tOld1d20Y2 53 4 5 $3,. 152. NC 02Z PAi6yERPdRKT398R,GRICIS 6501' i1`F 6i'Fll 4VEKE . .OVTH*AMI ;'M1.3 }743 i0fdti24i7 16f4Fi2tli2 $T8 S ST S2 HC 423 PAVd4ER;AARKf 12WFF't365FFbfIGH i@lLE: bi015Vl6FCHAVE,Rl1E ;AUiH M. Ml, FE 331{3 f0(079Y011 lotalf2tli 5k3, $ 'SZ3�0 752 - }1C '02# PAW ER PAR9 I0 ;TbF 10Fp H1014A M dJ01 SV d3TH AVEl1fiE46�Y 55YlItt9 "V5,'Jdt, FE 5.:143 'lolate3Att 16fOtI2a•Y2 5fb. $ t C 025, PAW% PAR11- k5TROWA.L 67015tV 6+fM'AMUE''. .. WIT(tt HSAM1, FL33149' IWO7f40i1 tOIdlf2iY1 SR +e 026 - "PAMERI VAR%f COHCEi40N, SPG 6'%G7'6\V bF4HAYR3IVE SDMTH I'- I:SlltA,. EE 93145 34f QEY20i9 iplO4f1Ai2 554. SS ;t, 114v1M 023' Q"KE I PWXE $UWAMOU 6103 SN WM PtACE S VTH kiKt.713, FL 33143 /0FQ1J2Q1 e 10l07t2072 Sl9rd63 S23�d65 119 -JM 428< OP.EWER P'AM- 2 RACQIJEULL COMM 6300 551 5 6TH SiPEET' Sftl]tN#I- ,FEb1 {} Y6IQ1I2014 t01Ikf2M2 S2s� . .$ S7B(665 114 - IN 029 - 9REIAR PAIR- 1f24AWMALLCWRT 63W w 56TH STRq iOtALti NA,31bI�Pf -3 }i41 tiVld7MQ71 ttif04F20Y ^aka, ,t, 119�JM 030' �iVEtt Ps:Rt4 %PLAYOP.OLINO ANO SitING SEt 63w, 6bTtf SiA.EEP >fSYO.T.H M+R.YM�FL357.43 yp,(tlkY2Vi4 1WOLJ30i 53 {�42 $ 635 t2 152 -HC' umit�, Year bailt . Eff. VaM . I I 'DwIdno "m <b nts Vatue Term oatI "of sltape' RM Pltc R Cbvevm ,Cove,�RR R2pino Awl yr Em t R DAME PM - 4. BEICH15 6=w 56TH 'M $OM MWM, FE 131" latoy2pi q 151 ITC = -2 = M a,:Iml ioraw=ll I Zz 152 Rc I ;, TG I 'aw 633 iH -= 5 urHkudi, EL 33Y43, 14lOfJ?Il {2 $ 51F'- ItA 03-t S%O%RPARR - 46DU OF TO HIGH t E 6360 Slv w" MEET 615 606 sw IWO mi�r No 33143 1010112DII S3,1W 7 152-NC Oid' 6306 AV 56ITi I wr WJ441, K 33141 jo(av=l 15R- NC 03T OAVW,Y I'm I'COMM mv CHIIfER 6,70f 5, F m pueE WUiH VIAq, M 3310 6701 40 PLACE SOUiH tkw, M, 331 43 m iolt2ul m •im 'OMCE i DOME SUWrATI(w vkn wii eT DRIVE $n'm 6130SIJf88TVklkE Mill" MAW, FL 33141 lotmImil SY -Awc SgiiEF OesCnpttwi Year 8uflt: SYf.oate, em e.. pate Building Value, [aMenEs taGie Tai3l lt&'tif2d vate¢' C9. 1 1st Tye Roo tt GVt SIL'YA tlARTIMB[DG b836c{4115'ET UB9,YE . SOUTH ?*W, Ft 33443 lonitw1i 10701!2012 s4m $.G6r Sh59',10L 419 3µ 0421 5PTlIt1 MWA CQWA CE14nk, l AYR 58CCg 517 66,gR WLTIIi kfAAEl, FC 3:793 10ldEl2olt 10f05f201 $4,9EG', 59,55II�DIX.' i59 -h;ICG 0i4' JEAk SYl19_S:PAR1C !,GAZEBO 7O S1M"I,Fbt3RT `A111ti NkANd, Ft.33]93 tOf01f2059 10141f20t $19„ S' $E9;5 to; ,- Fl3i11E 096 NAI(SHACL I'AtCJSY1R>3N PARW,t GAZP.Ea 61¢t RY 6R -mmT i4LffH.7jtAA41 FL 33743 WW W11 1010112012 $65', " S65T 52 - tic ' 916 �WARSt56tLYYItF.1'A1IJOM YARKf PlitY4i'ROUF9UAH0 `vWiNG. fi52t 51'f 66 S:CREET . SOUTH KW.M1,iI,,'FC33Yi3 10ftli J20YP 70£08/2012 532, . 532, isz- e . 09] NAR51",AEI:.','JI17+tAM R PARK T 3 MC('1E's 61YS SV7.d.6 S1'R.G —i. >C1UTt1 /APANA, FE.33193 i0r09!➢Aii 10l0Ef2042 Si,i $ $Y,Sa Y52 -HC 098 dtdR5Hl21'NIWAM50R PARK f4'Pt£1t1E TAeEfS a72i- 5Wmsre£ t Wzot” mum, R 3319? i8lO9l205v t0 /olnei. $,3 „Y2 S3,1'+ 162 -NE 094': YAH 5KtM PARR f REODEHCE BLW Taw 5)N 5.65H' --MR IE' MITONoWT, FL33143 10£01!%011 I0f0712052 x253. $253xtl ' T19 � )51 050 AL MSRTCA PARK.! 3 PIMCTAB7ES b82G 5tV 6#AYFtiUE ?Olf[H NedMi,'vE33743 Y0P0jf201S 10 /03}.1Al2 $?, j 57, t52 -4K .05'1 GM 5G0llT PRGP�I7Y 660651Y 60 inlE 6t%4d71d %uYM1, FL33ti3 70 {051201! SN01t20'12 5934. t 5130, 704 - fJ31nC 1P0ii t/ oeznplion .Atlettt+;T Year BOW EYf: Mte. eu,1110gV2iue Term Raze CanlenF5 Va10e aotai ltearcd ±Value COrEtT ype Rooi5 pe I Roo P .... .R Coverin S0 ng Rep a Roo Y[B t . 062 " PARKS aOLRAGE. .iY., . Sv15g01 C4wma,� 47320 S—u S4l&M)AMMI, FL33141 '1.010SA201f loloif2072' 5c,00.n 1b2 -Kf TOfdi: S1T,i0i,1$9 $1,Gi9,742 $18,Z53,9Sfi INLAND MARINE COVERAGE FOR A FULL DESCRIPTION OF TERMS, DEFINITIONS AND CONDITIONS PLEASE REFER TO THE POLICY DOCUMENT INSURER Preferred Governmental Insurance Trust, Not Rated by AM Best COVERAGE LIMITS ( *) 471,896 Parking Meter Equipment 1,000 Deductible * Coverage Limits must be ultimately chosen by the Insured. We as Agents cannot recommend the adequate limit of protection. Higher limits may be available. Please let us know if a quote is desired. COVERAGE TERMS AND CONDITIONS Covered Losses Special Perils Coverage Valuation Actual Cash Value Coinsurance Nil Deductible Per Attached Schedule Exclusions Exclusions include, but are not limited to, the following: War and Terrorism ( * *) Flood Earthquake ( * *) See Premium Summary Page for an option to include Terrorism Coverage as outlined in the Federal Terrorism Act 2002 10 COMMERCIAL CRIME COVERAGE FOR A FULL DESCRIPTION OF TERMS, DEFINITIONS AND CONDITIONS PLEASE REFER TO THE POLICY DOCUMENT INSURER Preferred Governmental Insurance Trust, Not Rated by AM Best COVERAGE LIMITS ( -) Limit Deductible Coverage $ 50,000 1,000 Employee Dishonesty including faithful performance, per loss $ 50,000 1,000 Forgery & Alteration $ 50,000 1,000 Computer Fraud including Funds Transfer Fraud " Coverage Limits must be ultimately chosen by the Insured. We as Agents cannot recommend the adequate limit of protection Higher limits may be available. Please let us know if a quote is desired. COVERAGE PROVIDED Employee Dishonesty - Blanket Basis This coverage is used to insure against loss of money, securities or other property belonging to you, or for which you are liable, that is caused by employee dishonesty. It pays for any one loss caused by one or more employees up to the face amount stated on the form. Only the actual loss sustained in the policy period is included for coverage (progressive or continuous loss over multiple years outside the policy period is excluded) Forgery or Alteration This coverage is used to insure against loss resulting from forgery of checks, drafts, notes or other similar written promises prepared by you or your agent. It does not cover dishonest acts of employees, which must be insured by Employee Dishonesty coverage. Computer Fraud This insurance will cover loss or damage to money, securities, and other property due to computer fraud. Computer fraud is defined as "theft of property by and directly related to the use of a computer." 11 COMMERCIAL LIABILITY COVERAGE FOR A FULL DESCRIPTION OF TERMS, DEFINITIONS AND CONDITIONS PLEASE REFER TO THE POLICY DOCUMENT INS, URER Preferred Governmental Insurance Trust, Not Rated by AM Best GENERAL. LIABILITY COVERAGE(*) — Ratable Payroll of $4,393,734 $ 1,000,000 Bodily Injury and Property Damage Limit $ Included Products & Completed Operations Aggregate Limit $ Included Personal Injury & Advertising Injury Limit $ 1,000,000 Fire Damage Legal Liability Limit $ 1,000,000 Employee Benefits Liability Limit per Person & Aggregate Limit $ 1,000,000 Herbicide & Pesticide Aggregate Limit $ 0 Medical Payments $ 0 General Liability Deductible Per Occurrence LAW ENFORCEMENT LIABILITY COVERAGE ( *) — Rated on 50 Officers & 4 Volunteers 1,000,000 Law Enforcement Liability Limit — Per Person 1,000,000 Law Enforcement Liability Limit — Per Occurrence 1,000,000 Law Enforcement Liability Limit — Aggregate 0 Law Enforcement Liability Deductible Per Occurrence PUBLIC OFFICIALS LIABILITY COVERAGE (`) — Ratable Payroll of $8,745,236 Retroactive Date: 10/01/2010 $ 1,000,000 Public Officials Liability Limit — Per Claim $ 1,000,000 Public Officials Liability Limit — Aggregate $ 0 Public Officials Liability Deductible Each Claim 2,500 Pre - Termination per employee $5,000 annual aggregate 100,000 Non - Monetary aggregate EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE ( *) —168 Total Employees Retroactive Date: 10/0112010 $ 1,000,000 Employment Related Practices Liability Limit — Per Claim $ 1,000,000 Employment Related Practices Liability Limit — Aggregate $ 0 Employment Related Practices Liability Deductible Each Claim Coverage Limits must be ulffmately chosen by the Insured. We as Agents cannot recommend the adequate Limit of protection. Higher limits may be available. Please let us know if a quote is desired. Exclusions include, but are not limited to the following: War, Mold, Fungus, Bacteria, Silica, Lead, Pollution, Asbestos, Copyright or Patent Infringement and Nuclear Liability. 12 General liability coverage provided to a named insured (you) by an insurer could be modified to extend to other parties. These other parties are commonly referred to as additional insureds. Modifications (endorsements) to the named insured's policy could be used to provide similar benefits enjoyed by the named insured to the additional insured. Because of changes to these endorsements, the additional insured may no longer enjoy the same benefits. Under these new endorsements, liability that is based on the sole negligence of the additional insured may no longer be covered. The State of Florida's Office of Insurance Regulation approved changes to these policy endorsements effective July 1, 2004. The absence of insurance coverage and the agreement to contractual terms may not free you of the responsibility to pay on behalf of the additional insured liability arising out of their sole negligence. Florida law allows you to assume liability on behalf of another party by way of a contractual agreement. In fact, the law allows you to assume the liability for suits that may be the result of the sole negligence of the other party in the contract. In other words, contractually you would be accepting and paying for claims that may arise from situations that are not even your fault. While we are not necessarily aware of the individual contracts you may have` entered into, we feel it is our duty to notify you that there Is a possibility you could have a claim that is not covered by insurance. Our recommendation to you would be to have your contracts reviewed by your attorney to determine if you have assumed such liability and what your legal options are. 13 BUSINESS /AUTOMOBILE COVERAGE FOR A FULL DESCRIPTION OF TERMS, DEFINITIONS AND CONDITIONS PLEASE REFER TO THE POLICY DOCUMENT INSURER Preferred Governmental Insurance Trust, Not Rated by AM Best COVERAGE LIMITS ( *) Bodily n ury 6 Property Damage Liability — Any Auto $ Statutory Personal Injury Protection - Autos Subject to PIP Law * Coverage Limits must be ultimately chosen by the insured. We as Agents cannotrecommend the adequate limit of protedYbri. Hlghor limits may be available. Please let us know if a quote is desfred. COVERAGE PROVIDED • Coverage only applies to vehicles that are owned/titled or leased in the corporate name, or business name in case of a partnership, that is specifically listed. If a business owned vehicle is furnished for personal use, an extension of coverage form may be required for proper protection. • Automobile Liability • Hired Automobile Liability • Employers Non -Owned Automobile Liability • Automobile Physical Damage (Coverage /Deductibles Per Schedule Overleaf) 14 VEHICLE SCHEDULE UnAg Iliake modarlOpsoription DWrI;nevj AIL Sff jqftft 1;0 Year V{11 '# Vel7iete FyPe ALT— collUed Coll Eff Clf V31UTa-oa 46n I APD RPtd oul CITYBUILT w?;er f 2b00 4359 Take -140 m Fa.qlm NA Actual C" _002— -KO-C—RET STM CLARMW lomm , W, 1997 1287 Tmiw uGcm. — NA AMW Cashj FORT PICKUP: 10mull If 1930 2337 ughamck 1wovil2 NA, Acaral Cashj --6FF -7C 5 SUMETTRUCK 10Q7fI7 "MIL", i 5996 411 N,avy Traa Imvu RA Agwal Carl 00a;`. HOWMADE MAILER , " %L t Trailer -NaCH q 14012, NA Aolual Las nod. FARO' WATERTMPO mull 1. -Vitoa I loon 047 HOTAFNACE TRAILER RX)VII "15 �Ia MeNA.-o'. 17171,.7571 :; - r 7 771; =7 jM"A"N, A I mm Trais-=r-hip VA2 NA A.InI Cashl Ong,, FORD DUMP TRUCK 111101AI 2 1 1593, 3377 I-WaT.&k ImInz 9w,16foull WA Actual Ca m s25,ox 0119. FORD. CROM VICTORIA POLICE Iwoffil ;!4 1 2� �� .11� , -, 1 7993 1 51" pvtim ca, I=f/12 14A ActWCMhj flio: FORD CROM VICTORIA --Fc—uCE wown qmg 5002 '6070 � I Car IIYGI172 NA Aml Cashl Actual Oil FORD CROWN VICTORIA F CE OtUCfit7T 1 104 1311t Felim OR, 10MU12 NA ARIual Cashl CROWN VICTORIA POLICE 1001111 v .1094 13% Porsm Car IQPV12 NA AChral Ga hf W IAZDA PICKUP lowtil .1989 8334 Ijolit Tmf.* 10,M/12 14A Actual Cash 014 I&ACKLE0H GAMAGETRUCK movil I995 35P5 100012 015 FORD CROINN VICTOFJA PONE lowl I ..... ..... -11 "1 'I low &t4 Ponce Car . 11101112 RA Adwl CasN Did F5RD CRCVft4 VICTORIA PO, ICE tw-ul I me porme'Car I0'67512 NA Actual Uaahl Utz FOR, 0 CROWN VICTORIA POLICE _70-04t7 1 717" I 9998 awe PolirxGai 10IIR142 NA Adual Caaq 018 CROWN VICTORIA POUCE -Tt—wul I S 1998 MD polloocir 1075111112 NA A"L Gashl 19 FORD CROWN VICTOMA matIvil .............. 9987 M13 NNW Car RA FORD CROWNVICTORIA not Wa4 hUN Adual Cash FORD c 39i Pnlice Car IM011121 1+44 AduaiC�h 15 MAI Make Department AL Eff ',C,' nee{' f?,_' oly, Yekc VIN 9 Vehicle Type Al- T— Coll De;d Coll ED Coll r.— v-Tvae JQz"0A I APO Rptd I 02-1: FORD CROYM VICTORIA POLICE U105711 A" uIn , 114K11,:6 ,1 .30, Porm Car IWOU12 NA Actual Cashl --FZU--7u SWEEPER I wo ull Im" =2 MediuinTru& NA Actual Camq 724 FORD. RARGERMOMP furoull 7 7987. 4w Light-l-la IWOW12 NA Aa�.[ CR$h l CO2 PRIME PA5S fW1111f Ag 1 "I Nil - 5725 Nk 020� FORD PICKUP I .... . .... 'F 7998 M4 LlphiTmA IMIOIJ12 NA Actual Cashl 02T: FORD CAOWNVICTORIA POLICE MVIT 77— k 7996 7FA3 FjIM C2k, 10f0i112 Actual Gashl 028:, FORD. CROMVICTORIA POLICE 75-774 T T I Iggill, _pdmCu 10M 112 NA Aoi.�l Cashl [C�hj fF0_RD ORDMVICTORIA POLICE €6'b 111 TM Force Car AMW �Mj FORD: CRMW VICTORIA POLICE �Qiwltll 4 `8926 7.5479 I0OM29 WA Dal FORD pzc_CL4� FAN 1711-1 ZIP a", f 1096 Y6413 Police car 1=1112 RA Actual Cash AC REDYWE TRUCK ul"011IT " App �IAII 7892 Heavy Truck IMM2 $1,0001 1MV12 al Cash I,= WsHfim I 3MLSOODTER Imill '�f' Mm "N'R, 'AcWai .7 loge 10MM2 11qaff 10.01112 w,m Dag FORD P25M PICIMF -MIDW i9mm W I 9938 1506 ueAtmo 10OV12 NA AOAal Cashl -T35, FORD F110 PICKUP Imisil I IM: LightTrud 10MU12 NA Actual Cashl FORD: CROV.-N VICTORIA POLICE 10fi41f71 2368 Forma Car 10MV12 NA Actual Cash tar CROYAN IMUTDRIA POLICE ub,31"17 .7 1928 2390 Polim Car -10-0-1112 Cash ] M FORD CROAWVICTC)R% POLICE WWII I 19891 23N Pa,, c" 1501112 N4 Actual Cashl on FORD CROVINVICTORIA POLICE In lit wo 2305 Police Car Ipmul2 NA Aowai Cash 00 FORD' 1 FORD ECONOUNEVAN t 5220 bus Cti.3Pass, Na: d{10R3t'!12 NA A.W.1 Cashl ON41 . 100% 15 PA S 5 —VAN 99 194l; 648D I So 5 <m Pass. Na Actual CZ 042 :DE FORD EKPLORER 7u_,vTi7 z=,-,M5 20M 2000 1360 liphCTnmk 1071112. NA Amal Cashl 16 Unito make modeRDes.ription Dep.r(ment AL Eff -few. VINE VefticToType At-Teoo CM Bed Cog Eff coil I V40ation JAPORptd TWO m FORD: CftOW4 VICTORLA POLICE Imml 1 2am 2532. pulim Car matm AcfaW rmfij 044 FORD CRowlivICTOMA IWOMI � 7— L4 . . . . . . . . . . . 12M 25n CwL 1=112 045 .FORD. CROWN VICTORM POLICE 70 TMI I ZOO 2611 7,n6m Car 1MV12 NA Acbjal CashI GgI FORD CROM \00TOM j.OLlCr IQ,)Wlfl Y IL: 2UM I 2186 Polin Car 1MI/12 NA Actual Cza;N FORD, ZF4—V.WVjC70p.4A POLICE ISMAI "'N I 200L9 2535 PolitGar -50101112 NA Aciva4 Cashj p40 ,KEIVmAiL TRAILER FOtt11ti I Er 2 2679 T61:W.NO:CN 1112 Achlal CasN Gq! laffiftif ;ft --A-� O I 2000 1640 TiaiW,N6 C9 FMI/12 RA Actual Cashj FORD F250 PiCKUP IKMII I NON I 20W 425E :Li4h7 Tn0uk 1611!112 NA Adual:Cash 1151 f 1 1464 £4 ExkaUQMSM 16CIU12 NA Avw.I Cwhj 052 IMMATIC 4AL BOX TRUCK I L, 1996 28173 �:Tr^,xA A00aloxhl 117,&% 053 STERUNB TRUCK I mai IMU tqeao TW& inVI2 SLOGG lafgUll IM11112 AcWaf:G shj $30,M 054. FORD PICKUP %Wjtfl 'j-" �gggw 2m Amok 2001 =2 Light Truck IMIM2 'C' Acw CS-Al wm M STERUNG TRUCKCRANE IWO111 v 200t V175 l4owy7wk WOV12 5w)(10 IWIXI MG1112 Actual Cash $30. M oil FOTM PICKUP 10MIM r,(.T,..,,2 Z� am 7w 2001 =3 UgN TWA Wr COEVROLrl s-In lumifif 1 9004 ;W�� LjghgTWAL 1CM7112 NA Aduv4 Chj ma FGRO: EXCURSION I Al jgMfjl I L 200 7437, LightT"AL 16"011,12 NA Actual Chl 059 FC,�DL CROM \nCTORA. FoLiCE 001111 o"'. �i: A.I�L5.'?-.K"NLI�- - I 2007 �Am. Polio, 6, IWOU12 NA Actual Cwhi 2001 :344 Popoe Car 10MV12 NA Adual Cmhj KA FOR CROM VICTORIA POLICE dow" ti 200I MO7 IMM m Adu3] Cam FORD CROYM VICTORIA PLUCE IVOIfTI MI t 2001 3402 - pprim car 11VOW2 NA L MIA FWD F250PiC3CUP POLICE 101011t t I t- 20-01 Et577 ±2i—�Oarll"O�Vul Actual Cash 17 MWO Wake M6deliDescfp1don Depaitme.t AL Eff Qty. Year' Vm* VehloleTypq ALTe j Cojjoed WiEff C-11 Tenon APO Rpw 004 ,F ,MD CROWN VICTORIA POLCE v)—folf, I .4 2847 W,4 pollc* Car 15101112 HA 8966 FORD F154XLT POLICE mosti I f 2483 6198: Pam Car AtAW Cashj Wa HARMYMIDSON MUFORCYOLF POLICE 10mi111 @ 2003 415o ImfjI2 MA Actual Cashl OBI HARLEyi*:ihvs1i4 moTCRGYmE POLICE moull -Tau-I 1 2()03 Vol Matwrytfe ho"OV12 NA WC-h� 066' FORD: PIME, Imovilt Light ma -minz Ogg IS GENTRA —�{gojfjj 7331, F"'a" Pss W 18&"12 NA. Avitig Cashj ory FORD. EM VAN woull -L It 9 91 15a 9 Light Tm't 111M/12 NA AcivaE Cash IF" VOLVO GARBAG=_TRUCK fallit %WAR 'G 2084. :4468 Gafia0e7nrck. t6roiR 5,904' lWQ3111 MUIM A=Zr Cash j f'25'm 072 VOLVO GARBAGETRUCK 4910Fl,T 1 '2901 swx OwbageTzwk lamn stl000 ImUlf. IQUIA2 AduzlCmhj I3E.01 Mk INTEFMTq4AL TRASK TRUCK .;.A2,.._ Twit Garti eTres It 10r0t"12 Ad 31 CW171 2, 074 INTERMAtiM4AL TRkSK7RUCK lou'll I . -M 1, t .200. T,, k 19151112 Imfill I0701112 ADWA,Ct,shl sna 075 FORD F450RUCKFI-TRUCK 60401111 Pow MR: IMM 1 HmvyTamk IMV12 56,099 1009WIT IMIM 076, JOIN C GENERATOR TRAILER lautilf 21101 Oij fV,@ifl2 "Ar Acarai C: hj 476 OUBHMAR SCOOTER 161' K.*, Light 8erv1" 10478112 NA ACivaj Casj Tla TUPI-M TRAILER -70,TF-11 75wT 2004 1-173 Wiw-NOCT-li pg@1112 5It[)O I Vil 10I1IM2 Aewl,C'sshj $10,024 wa PO4 awHL CYCLE %mull 11,11, md 1 --2004 EM Light SmIoe MiDVEZ Mum MUM I IMT112 AMW C !lj W.M wif VOLVO GARBAGETFKXCK ivioult 11 1 t 2004 2 GarbOeT=k 10174512 —A $1,000 19(65117 7' 10M9,'12 Aduzi Cash . 46'7 - iNaERNAid 'AG nMHTRUCK ;IT, MR m. *10M2 NA kauai Cash 982 9 D; CROvMVICTORLA P90LICE -M-1711 AFF Rom, 5" .1 240a gm GU 19r1a41i2 51,900 IMVtl 107111112 AcWal Cash V9,20 fORD CROM VICTORIA P6UCE 'umul I Wr I, -A- pWiM t", UI? 10101911 10MV12 AdMfCQ5lj $11LM 7 2006 2248 �C-1101'41�m pa� --! lilik= 18 U04 M Make N No do (Me so rip, Oo a o oaproment A AL EN C.11 0.d C Coll E Efi Call V Va'UTv RU-n JAFORptd Year V VIN 0 V VfkI,Tj7a, A ALTem] C 14356v F FP13D C CROtV VICTORIA P POLICE l loot i1 -S 2 2005 4 4249 F Fallt*Oay 1 1001112 S SIXOD I IWOVII 1 13m1l"12 I I ADIV.1 Cash i $19,3Z #Be F FORD C CmVN VICTORY, P P¢LIGE i invill g gl.*, t.' 2 2ti05 4 4260. C C. Acwal $19.3,Z OF F FORD c cmw4vicTORIA g gww� 1 2 2505 8 8269 P Paiica ca, I I7%31112 S Stfiall 1 14'"0171 1 1' 10MV12 A Aowa[Cas M US= OSS, F FO&p C CROVjW VICTORIA P POLICE I IthVIIII 7 2 2095 2 252 P Palo, Car l l0"o7l,12 5 57,000 o omVII l le-OW12 A AMU gvnstj $ig.= .089;. F FORD: C CROYMNI(PTORIA P POLICE 1 11101111 .1 2 20001 W W52 p pakis Car l loofli2 S SIEGG I IDMVtl 1 1=112 A AcWaICa5q WAZ ADD, F FDRD.� P P,60 pimp - IOWA I M M-0, q q_0 i ! !IDIS a am P PdIke Car I IPMV12 t tA00 o omll" T TQJ0III2 A Aa Casa 1 523,tM W1 R ROTATING P POUCEVERICLE. P POLICE --TvT,Tf—il 77777-7 1 2 206% P Pollm Car l lanva 4 4.0,03 l la-VIIII 1 1=1112 A AmalCashl X30. OX 092 R ROTATING l POUGEVEHICLE M MILE loil—/Tt .1 2 2110% p Car M l"W12 t M I M MOV12 A Amm Gash $all.= 003 R ROTATING P POUCEVEHICLE P POLICE l loloull - -j V V". 1 2 2006 p p0imcar, W WV12, $ $1,150 1 111*1111 W WO1112 A Actual Cash i i 094 G G S SCOOTER m moull 1 ' '2004 4 4070 E Extra Light Seuka l l(of/12 * *1,900' I IfiffifAl 1 10101112 A AM 11 G4eq U'm fool$ F FORD E ExVEDITpN 2005 — —iEO11ti s sTom l lWoull l lumm., A AmalCwN =,W, AN M MAXIMA I Imull 1 2 2015 2 2271 P Pdwie PaMart?-r 1 1601112 1 1001112' A Ama[Cm $20, M Do F FORD E EXPE)fRON 2006 9 9647 L LlphtTm& 5 51,0013, 1 10101111 I I4111112 A Aow czohl U2.0X TRASHTRuck S SWitbflt F F 1 10 fXV1. 1 2 20 1 07 M MO Gaj6a9eT=k I IPMI1121 5 51,006 M MIXI A Aoloalcathj 507.= 0016 I INTEIRNATIqlAL 1 1RASHCRANE I k kod - ------ jYte— 0 0jtg,TMk l lootflj S SIAM I IOMWI 1 1=1112 A Adval Cash l W�W 108; F FQRQ, W WGERFICKUP I Ile 'Y 2 200% i iDmt 2 211 - tr a I Iowa 5 51,000 I I CU9E 1 f I IV A AmaIl; 101.' F FClRD C CROM VIPTOM P P£A.ICE w woull PofiDl Car 1 1"112 S S"goo 1 1010111T I IW0I112 A AcWCashl 323. m 107 F FORD C CROVVW VICTORIA P POUGE I IQ,* 1' o ow Wall: ' '3783 P PoTm Car 1 101112 5 5T 1 19107717 I I 103 F FORE) - -MRVIFTIORIA i imm, 1 2 2606 3 3104 F Felice Car l loolm $ $1,000 t t0R 1f17 1 10.11 72 A AoWal O"Sfi =px L 104. F FORD., C CEDWINMICTORIA C CE 1 101181111; 2oft $ $70 4 462. Car I IDOWU S St. W 1 14Y11f11 I ION 112 A AMal Cas j $24M IQOL l loottit 1 1001112 c c5a 1'22,. 19 unm# make M.demtswiptfon Department ALM WRY Year VIN 49 VthicteType ✓LTe- caned Cam C0 I aua an JAPDRghJ IOS �FOFEY CROWN VICTORIA � 77 r. t '2006 27% pWica Car 10*1112' $1.000 IGM1111 1=10' Ad0WIC.111 b22'w- 107 FORD, CROWWWCTORTA POLICE twolill REW �tmqmii iiwYt " 20M 37so pf� car ol .' 10tt31112 41.000 AcEaf Cash $ZZaW log FORD CROWN VICTORIA Fu)--Ice ifif➢lill 20% I757 fwc-bx jivallf2 $1,000. 11,91151 WIUM Ad at V--1M" FOB. RANGERPICKUP tswi I Z "1r� 4- �z� 9:65 Uahtlhua IRM12 10611 10"Q1112 A�31 Cnh �19.w Ila FORD CREW GAS TRUCK Utrovil tiWht-TMVt,— $1,034— -4W0444- -4e4W+2- -A ki III HAREEYDkwsQ& MOTORCYCLE POLICE 1 2GO 1 5 2w m,,,te, HYGU12 $1.0138 10A)VI I lQ10IM2 Mluat C�hj w� 912 HARLEY.MVIDSON, MOTORCYCLE MoTill 7�wl -MA "M 01". 1; 1.4 - - - - " ' 1— ", " ' wn whocr�-' lom"M flow 10MM 1sT atc�h �'aw Ila FORD MINVICTORM FOUGE 10104!11 2807 4679 palim car ill�ylvm $1,00D 1¢X31,1:1 1HTiff12 AcW8E 8254W, 114 IRMWAIRCIIAL TRASH. (MUCK mim 041k, , '2' I 2007 f,-fg2 41,4100 10101I1I 10101112 AMA Ch] 815,07, lUt FORD EItO PASSVAN -Teoi—m 161¢1351' 4ma[Cwh 2001 M7 il; Zm Twc-T{Q%fl2, S1,000 10101/!1 igffi�i $26,= III, FORD F2504X27RUCK toffilm I 200T '8133. Light TWO IOMM2 51,000 10=11 1=1112 Ac6jal pall j wx 7-17 FORD CROWN VICTORIA pouce 10,10I1TI 0 i� '20117 2011 Folio- Car 10.81112 X7,000 11)(01111 IMUIZ AeMalcz M.51M 118 FORD. OR(M.DIVICTORIA POLICE twoul I MI. 2817 pofice car lumAl. 1510111, 145'01112 Aqua[ Cash $250A 318 i FORD, CROI514VICTORI& POLICE -i amnl .4 U12 Im f2 Actual Gash j s2h, m 120 FGFRD., CROWN VICTORIA "Dool 1 May 283 Police Car 1¢1134112 suito lDmtxfl 10101112 Actual Cash $25, 121 FORD GROWN VICTORIA. poucr= dow, An RP M AM 264 G" 122 FORD cRmYNVICTORIA POLICE 70410 1 1 .2007 %44, ftifm Car la*t112 STMO 101,01111 1=1112 Aa al C�hj MI.= --- -12t HARMY VIMOM MOTCRCYGLF --3 Hm i -41151-774 ° "$'1x'000�L+ 'lktoa 1 2007' 4446, moxc7c - 51,006 I di"IM W A2 AmuA C�h $6.M 124 P(MLEYDkM0S0N thaTORCYCOE I 4900 w"CYCII.- IMM1112 st'Doo IMSM iMI112 Am.) Cash I26 FORD, F4505UPIER PICKUP mul I . P5k,�At L ROW 1i3UfiiM42y T',! s �'l '20at 740 MestipmTrjok loregful SUN la"Mill IOMM2 Actual Cash vu" 126 FORD E-350 VAN I I 2000 gub Li6hiTnlcA S1,OW 70701/11 1¢'01112 Amai Cash j $28 Kf Unit N fAnke modnIM6scription U.Partmeat AL Eff qw" :C-,Wgffl qvi Y6- V¢$4 vehiole Type ALTe CnBO,d COUrff Cof] Wua On T APO RPdd 127` FORD pm PICKUP ImUl I 1 '0009 4733 LightTmck 10I5£112 *IPM IMIT! 100112 AdLrwcwbl $24,w 128 INTERNAMC IAL TRASH-MUCK fib'311,lt �.'Mjj,, T-' Wait IWII12 5UU0 1.5VIM 1UTIM AOWal Cash j $45,OX 129 FORD PIMP tomisil -q A 4M UgFdTi=k 14'01112 S1,1100 10,M)II I001I12 Actual Cash j MON 13d, " " INTERN.AMCNAL WATER TRUCK Moull a0ffl 'Y RI M 1A1,1%'1""�,11,"-' :200B 6415 HeayyTwa 10,'01J12 131 PASSVAM i "2043 am Bov420IlwS.1101 0=1112 $1,0110 10'001 10101112 AdmmlCahl MIM 32 FORD 15 FASS�YAN ahoull Y5jM44[O, Mm 1 2066 wo aus <n Pass N! will TO—MV12 Achm; Cas hj V5,0X IaIt, FORD: EXPEDITION f0mull NEE 2008 8696 --'Egh i —T,,k IMUIT SIO)OO M01111 fQ10IM2 Actual Gash j $25,= M. FORD.. 15PASSVAN MOWN,",. 420 Fass, 619110102 5I000 IfIlaull' 1007/I2 Actual Cash mm It's. FORD ZROWUMTORIA .1 2049 1415 Pace Par -70—,l37112 ST,040 wouff IcAII112 "Maio -shl sn.m 130 FORD CROWN VICTORIA POLICE mgwRi t 1410 povoo Car I001112 Iilpaft Milli IMU12 Actual Cash vym 137 FORD CROWNVICTORIA 16107tII 1 2009 MIT FORM an I0n1112 $I:Xil 10MVII 10,101112 Aclua[Cashj I--, Gx iaa FORD CROWN VICTORIA POLICE molm I 2009 :1418 ;;dm Car IMtjI2 Cash Sur, 189 IMMRKATICjqAL DUNIPTRUCK 70"07111 �Adival 7133.m 1 2 a �fa "r,,yTnnk 10101112 STOM, IQMfIT 10101112 GwNf 140 ji FORD I Mm $0/01711 Caja, PO - - �Actulal ,I . ;2099 last Lighaawk 101,01112 sum 1669H', Mai Cash j �5,m VM JTOCAR GARBAGE TRUCK twoull A 2009 2402 Garbmg6Tmzk I0f04112 $1,0110 1591,41 11LTI112 Ack.1 Oashl 141 Fad Cma IN I 20m IfArO7BV2AX141487 paw car 1=112 .51. 04 10M711 IM1112 ActuafCasbI Wb� 143 F&d, iolovil 21:110 2FA B I FF I SV4AX9149f Polies Car 001112 SUM 1=1111 1=1112 AmalCash $26,34f 144:' .Feed Cianri.Vidaria Pr. -TV-101111 '. Q3q,1! 1 2010 2FABP7BV4AXI4140& Polioa Car 1001112 S1,011' IUUTIII 100I112 A=aICmhj =.Zq 146 F -3 1001111 In FABP?BVbAX14I484 PofimCar looM112 MUNCwh S25,34I 146: Fad A 1 2010 2FAS HESLX141490 pcam ow '01,12 IOMI 2 1 Ca hl Deparfment ALEff Y"r Vwo V.WmIeType ALT'- CaftDod CQEff CID T.— valuamn Tft, JAPORptd 149 pwim %woda Povce mteme*r Imull 1?011ce Car IWO= $IAM, MOVII IQU1112 Adual Cmhl $25,3W , I ZITO, 2FASPTSVf AXI42ZI3 Ppuc� car i=1112 I, I W SIN 1 1 2 a 150 RIO 7w-owl fiR00` I 201D 2FABp.78V0A"4l48t1 poke car IWDtA2 $1,000 IMMI MGM &-WCwhl M.34C Total 82,154.918 ADD Rptd 21 TERMS & CONDITIONS 1. Pleaser&iei4 the civatecarefully, ek ooV:er09et6FMS and r'orvirtloru; may 11 not, an I co i m I pas - s I . sit requested coverages Indicated. in the application. i. Renewal q0oti is subject to rov4aWan-d.a66eptahce.byPG)T Board[of Trustees; 3. the coveragg Agreement shall be 25% minim , um, learned as of the, first day of size "coverage Oerl6d'. 4,. Total prerniultais late if not paid fq fail witf9p 3Q days of Inceptim, unless otherwise stated, - - - - . I- - I - - - - - - - '.- , , - - . 7. 6verage, Is not bound until confirmation is received from a licensed representative ofi)bblic Risk Underwriters. AAditional.terMs and cond , mono, including but not limited to; 1} Quote issribject tv receipt. of thefollbwinq riformatiaTi.bylOIA/W11 a) sligried, pikaddri (06rida Firatid Staberniant) b) Irtitioted and oign6d PGIT P6L/EPL1.A0p cy Latest f Efided 9130/10) f) 96ned.ulvi fbIrn h) Sf4iied-sionatuna-me 23 IMPORTANT NOTICE THIS BRIEF DESCRIPTION OF INSURANCE COVERAGE IS BEING PROVIDED AS AN ACCOMMODATION ONLY AND IS NOT INTENDED TO COVER OR DESCRIBE ALL POLICY TERMS. FOR MORE COMPLETE INFORMATION ON THE SCOPE AND LIMITS OF COVERAGE, PLEASE REFER TO THE POLICY DOCUMENT. Compensation. In addition to the commissions or fees received by us for assistance with the placement, servicing, claims handling, or renewal of your insurance coverages, other parties, such as excess and surplus lines brokers, wholesale brokers, reinsurance intermediaries, underwriting managers and similar parties, some of which may be owned in whole or in part by Brown & Brown, Inc., may also receive compensation for their role in providing insurance products or services to you pursuant to their separate contracts with insurance or reinsurance carriers. That compensation is derived from your premium payments. Additionally, it is possible that we, or our corporate parents or affiliates, may receive contingent payments or allowances from insurers based on factors which are not client - specific, such as the performance and /or size of an overall book of business produced with an insurer. We generally do not know if such a contingent payment will be made by a particular insurer, or the amount of any such contingent payments, until the underwriting year is closed. That compensation is partially derived from your premium dollars, after being combined (or "pooled") with the premium dollars of other insureds that have purchased similar types of coverage. We may also receive invitations to programs sponsored and paid for by insurance carriers to inform brokers regarding their products and services, including possible participation in company- sponsored events such as trips, seminars, and advisory council meetings, based upon the total volume of business placed with the carrier you select. We may, on occasion, receive loans or credit from insurance companies. Additionally, in the ordinary course of our business, we may receive and retain interest on premiums you pay from the date we receive them until the date of premiums are remitted to the insurance company or intermediary. In the event that we assist with placement and other details of arranging for the financing of your insurance premium, we may also receive a fee from the premium finance company. Wholesale Broker /Managing General Agent: Preferred Governmental Insurance Trust This intermediary is owned in whole or part by Brown & Brown, Inc., the parent company of Brown & Brown Miami Division. Brown & Brown entities operate independently and are not required to utilize other companies owned by Brown & Brown, Inc., but routinely do so. In addition to providing access to the insurance company, the Wholesale Insurance Broker /Managing General Agent may provide additional services including, but not limited to: underwriting; loss control; risk.placement; coverage review; claims coordination with insurance company; and policy issuance. Compensation paid for those services may be up to 15% of the premium you pay for coverage, and any compensation paid for those services is derived from your premium payment. The fee, if any, for the Wholesale Insurance Broker s /Managing General Agent's services above is no fee. Questions and Information Requests. Should you have any questions, or require additional information, please contact this office at 1- 800 -432 -8844 or, if you prefer, submit your question or request online at [ http:// www. bbinsurance .com /customeHnquiry.shtmil. Edition Date 11 -10 -10 NOTICE AND ACKNOWLEDGEMENT OF FINANCIAL CONDITION Brown & Brown of Miami and its parent company, Brown & Brown, Inc. (collectively "Brown & Brown") do not certify, warrant or guarantee the financial soundness or stability of any insurance carrier or alternative risk transfer or pooling entity. We endeavored to place your coverage with an insurance carrier with an A.M. Best Company financial rating of "A -" or better.* While Brown & Brown cannot certify, warrant or guarantee the financial soundness or stability of any insurance carrier or alternative risk transfer or pooling entity or otherwise predict whether the financial condition of any such entity might improve or deteriorate, we are hereby providing you with notice and disclosure of financial condition so that you can make an informed decision regarding the placement of coverage. Accordingly, with receipt of this notice you acknowledge the following with regard to the placement and any subsequent renewal of the coverage indicated below: Brown & Brown attempted to present other options for your insurance placement, including quotations with insurance carriers holding an "A =' or better rating from A.M. Best Company, but we were unable to present such a quote. Coverage is being placed through Preferred Governmental Insurance Trust ("PGIT "), which is as a Florida local government self - insurance fund established pursuant to Section 624.4622, Florida Statutes, as such PGIT is not rated by the A.M. Best Company. PGIT is not subject to the protections afforded by any state guaranty fund or association. The financial condition of insurance companies and other coverage providers including local government self- insurance funds like PGIT may change rapidly and that such changes are beyond the control of Brown & Brown. You should review the financial and membership information from PGIT and agree to abide by the conditions of membership established by PGIT. You should consider the information provided, including the PGIT coverage quote and coverage placement and review it with your accountants, legal counsel and advisors. By: [NAME OF AUTHORIZED REPRESENTATIVE OF INSURED] Named Insured: City of South Miami Policy Number: TBA Policy Period: 10/1111 -12 Date of Notice: * A.M. Best Rating Guide: Rating for Stability: A ++ to D = Highest to lowest rating Rating for Assets( Surplus: 15 to 1 - Largest to smallest rating Edition Date 11 -10 -10 Insurance Coverage Review Insured: CV of South Miami Policy Effective Date: 10/01/10 Correction: Add( Named Insured: Please advise if quotations for increased limits of liability or for any coverage listed below are requested: E = Exposure; C = Coverage through Brown & Brown; Q = Quote for Uncovered Exposure ......__�... E C Q PROPERTY YIN YIN YIN Buildings Business Personal Property Personal Propely of Others Tenants Betterments & Improvements Business Income Extra Expense Leaseholders Interests Boller& Machine (Equipment Breakdown Building Ordinance or Law A. Loss to Undamaged Portion of Bldg. B. Demolition Cost C. Increased Cost of Construction Earthquake Rental Income Difference in Condition Flood Pdma Flood Excess Wind Off Premises Power Interruption Overhead Transmission Lines Glass S oila e AUTOMOBILE Auto Liability Drive Other Car Liability Drive Other Car Physical Damage Hired /Non Owned Liability Hired Car Physical Damage PIP: Ext Additional, Broad Rental Reimbursement PPT Rental Reimbursement (Com. Vehicle Uninsured Motorist Prima Uninsured Motorist (Excess) Garage Liability Garage keepers Liability Garage Dealers Physfeaf Damage Trackers Liability Unladen Liability Trackers Physical Damage Trailer interchange CRIME Employee Dishonesty fist Pa Employee Dishonesty 3rd Pad ERISA Bond Fore or Alteration Fiduciary liability Money & Securities BONDS Bonds j(describe) ..�.� •E C ,.. Q LIABILITY. YIN �YIN YIN _ General Liability_ -_- Directors & Officers UaNiity _ E CommercetE- Business Liability Employee Benefits Liability u uor Liabili Employment Related Pmcices Liabilit Third Pady Discrimination Errors a Omissions Ltabiil OwnerslConhaclors Prot Liability Pollution Liability 1d Pad Pol itmn Liability IV Party) Products Uabill Product Recall Professional Liability Warehouse Legal Liabilit Watercraft Liability UmbmilalExcess Liability INLAND MARINE Accounts Receivable Va Is Parrs Bailee Coverage Can utaIEDP Contractors Equipment Signs Installation Floater Mobile Equipment RentedlLeaced Equipment Motor Truck Cargo Tranat"IlTransportation Builders Risk / COC Ocean Cargo WORKERS COMPENSATION Workers Compensation Other States USL&H Jones Act Stop Gap Liability Excess Employers liability AIRCRAFT Aviation —Owned Aviation - Non -Owned MISCELLANEOUS IntemalloralrForelfin Exposures Kidnap & Ransom Travel Accident Creditinsurance Mold/Fungi EIFS Terrorism Subsidence This list of Insurance coverage Is for Information purposes only and is not meantto be a complete list for all your Insurance needs. The above analysis is based solely on Information provided by the client. Brown & Brown has not performed any inspection or revlew to confirm or identify exposures. The coverage column should be completed ignoring the "free" incidental limits of any policy coverage extensions automatically included. Insured Representative Date- Place Completed with Insured Edition Date 11 -10 -10 Brown & Brown Representative Signature Comments: (may be continued on reverse) Prepared by Brown & Brown Insurance — Rev 01.0111 Edition Date 11 -10 -10 PROPERTY COVERAGE DEFINITIONS FOR A FULL DESCRIPTION OF TERMS, DEFINITIONS AND CONDITIONS PLEASE REFER TO THE POLICY DOCUMENT SPECIAL CAUSES OF LOSS COVERAGE This coverage will protect covered property against direct loss arising from any cause not specifically excluded. The advantage of this form is that the insurance company must prove that a loss is specifically excluded in order to deny coverage under the policy. REPLACEMENT COST VALUATION This loss valuation method pays for the cost to repair or replace damaged items with like kind and quality without deduction for depreciation. This is important since you could face a substantial loss if you must replace property at today's prices but receive only the depreciated value of the property that was destroyed. ACTUAL CASH VALUE VALUATION This valuation method pays for the cost to repair or replace damaged property with like kind and quality, less reasonable deductions for wear and tear, deterioration and economic obsolescence. DEDUCTIBLE A policy may include a deductible in its provisions. This limit specifies the amount that will be deducted from any payment made to you because of a covered loss. BLANKET INSURANCE This coverage allows for a single limit of insurance to apply to two or more property items at one location, or to two or more kinds of property at several locations, instead of a specific amount applying to a specific subject of insurance, it allows you to shift property values with no impairment of recovery, as long as the total amount of insurance carried complies with the coinsurance requirement stated in the policy. AGREED VALUE VALUATION This coverage is used to remove the coinsurance requirement for covered property. With it your company agrees that the amount of coverage purchased is adequate,, and any coinsurance requirements are waived if the limit of insurance equals the agreed value. MECHANICAL & ELECTRICAL BREAKDOWN COVERAGE Boiler & Machinery insurance covers direct damage to "covered property" when caused by sudden and accidental BREAKDOWN and includes as a covered peril Electrical Arcing. Covered Property means any mechanical, electrical or boiler equipment on premises, such as (but not limited to): machinery & equipment, air - conditioning units, elevators, phone systems etc. Edition Date 11 -10 -10 GENERAL LIABILITY COVERAGE DEFINITIONS FOR A FULL DESCRIPTION OF TERMS, DEFINITIONS AND CONDITIONS PLEASE REFER TO THE POLICY DOCUMENT OCCURRENCE FORM (except Claims Made Forms) This form provides coverage for claims arising out of an accident, which results in bodily injury or property damage neither expected nor intended, The form covers such claims that occur during the policy period irrespective of when the claim is made against you. PREMISES /OPERATIONS COVERAGE This coverage insures you against all claims arising from your ownership, maintenance or use of premises and your operations in progress. PRODUCTS /COMPLETED OPERATIONS COVERAGE This coverage is used to insure against claims arising out of bodily injury and property damage that results from products you have sold, manufactured, handled, distributed or disposed of, or for work you have performed, provided the accident occurs away from premises you own or rent. PERSONAL INJURY LIABILITY This coverage will protect you against claims alleging false arrest, libel, slander, malicious prosecution, or wrongful entry or eviction. ADVERTISING LIABILITY This coverage is used to insure against claims of libel, slander, product disparagement, piracy, or infringement of copyrights, arising out of the advertising of your goods, products or services. FIRE LEGAL LIABILITY This coverage insures against your legal liability arising from damage to structures rented to you, for the peril of fire. MEDICAL PAYMENTS This coverage will reimburse, without regard to your liability, all reasonable medical expenses incurred by persons as a result of bodily injury sustained by accident as defined in your policy. CLAIMS -MADE FORM - APPLICABLE TO EMPLOYEE BENEFITS LIABILITY, PUBLIC OFFICIALS LIABILITY, EMPLOYMENT PRACTICES LIABILITY, This coverage will provide protection for only those claims reported or first made during the policy period or during any previous period that is stated in the Prior Acts or Retroactive Date option of your policy. This option allows you to keep coverage in force under consecutive Claims -Made policies. EMPLOYEE BENEFITS ERRORS AND OMISSIONS This coverage is used to insure against negligent acts, errors or omissions committed by you or any person for whose acts you are legally responsible for while engaging in the management of your company's employee benefit plans. Edition Date 11 -10 -10 AUTOMOBILE COVERAGE DEFINITIONS FOR A FULL DESCRIPTION OF TERMS, DEFINITIONS AND CONDITIONS PLEASE REFER TO THE POLICY DOCUMENT AUTOMOBILE LIABILITY This coverage is used to protect against claims alleged for bodily injury and property damage arising from the ownership, maintenance, or use of any covered auto. PERSONAL INJURY PROTECTION (NO- FAULT) This coverage is used to provide medical expenses as well as work loss, funeral expenses, essential services expenses, and survivor's loss coverage as outlined in your state's statutory No -Fault laws. AUTOMOBILE PHYSICAL DAMAGE This coverage is used to protect the covered vehicle itself. It pays for physical damage loss that results from a covered peril. HIRED AUTOMOBILE COVERAGE This coverage is used to protect against claims arising out of the use of vehicles leased, .hired, rented, or borrowed by you, or your employees, while in the course of business. NON -OWNED AUTOMOBILE COVERAGE This coverage is used to provide liability protection for autos used in your business that are not owned, leased, hired, rented, or borrowed. This includes autos of employees and subcontractors that are used on your behalf. Edition Date 11 -10 -10 PREMIUM SUMMARY Coverage Line Annual Premium Blanket Real & Personal Property $133,093 Inland Marine INCLUDED Equipment Breakdown Coverage INCLUDED General Liability Coverage $33,041 Public Officials E &O ! Employment Practices Liability $26,022 Police Professional Liability $53,922 Automobile Coverage $73,740 Workers' Compensation Coverage $240,118 Total FMIT Premium $559,936 10 First Installment 25% minimum due October 1, 2011 INTEREST FREE INSTALLMENT PLAN Second Installment 25% minimum due January 1, 2012 Third Instaliment 25% minimum due April 1, 2012 Payment will be forwarded to the Florida League of Cities in Tallahassee Fourth Installment 25% minimum due July 1, 2012 Note: Coverage summaries provided herein are intended as an outline of coverage only and are necessarily brief. In the event of loss, all terms, conditions, and exclusions of actual Agreement and/or Policies will apply, 11 ��p6u8 FLORIDA MUNICIPAL INSURANCE TRUST ai=�w+- Proposal for 2011 -2012 MONFAR orr+ s�`�`xu�sg Department of insurance and financial services City of South Miami Blanket Real & Personal Property Limit $18,780,986 Note: Property on a Blanket/Agreed Value basis requires a current appraisal to maintain both. Electronic Data Processing: - Equipment: Included in Contents - Software: Included in Contents - Equipment Breakdown: Included in Contents Coinsurance: Agreed Amount Values: 100% Valuation Basis: Replacement Cost Coverage Form: Special Deductibles: $1,000 Per Occurrence - Real & Personal Property, Other Property Named Storm Deductible is 5% of the scheduled Building, Personal Property, Other Property (including property in the open) and Business Income. The percentages calculated using the Schedule of Values on file with FMIT. The Named Storm deductible is calculated separately and applied individually to each Building, Personal Property, Other Property and Business Income. The minimum deductible is 5% of the scheduled value or the stated policy deductible, whichever is greater. Business Income deductible is 72 hours. 1 PROPERTY COVERAGE EXTENSIONS: > Excess Flood Coverage . • Flood Zones A & V excess of NF1P • Other Flood Zones -$100,000 deductible > Terrorism > Unintentional Errors & Omissions > Newly Acquired or Constructed Property > Newly Acquired Business Personal Property > Business Income > Extra Expense > Valuable Papers & Records > Signs - Not attached to Buildings o Vehicular damage to signs maximum of $10,000 > Accounts Receivable > Police Dogs & Horses • Death in line of duty- $5,000 • Annual Maximum - $25,000 $4,500,000 $5,000,000 $2,000,000 $500,000 $500,000 $1,000,000 $500,000 $25,000 $500,000 > Electronic Data Processing Equipment (Software) $250,000 > Antiques & Objects of Art o $15,000 per item o $250,000 Annual Maximum > Off Premises Power Failure > Pollutant Clean Up & Removal > Fungus Clean Up & Removal > Personal Property Off Premises > Personal Property of Others > Preservation of Property > Service Interruption Coverage > Property In Transit > Fire Extinguisher Recharge > Debris Removal > Building Ordinance Coverage, Including Demolition > Outdoor Fixtures ^ applies to covered property within 1,000 feet of described building. Please see form FMIT PROP 031112 for complete definition and policy conditions. > Leasehold interest > Arson Reward > Recertification of Equipment 13 $100,000 $100,000 $25,000 $250,000 $50,000 $100,000 $100,000 $250,000 25% of Loss 25% of Loss $100,000 $5,000 $250 /Day INLAND MARINE COVERAGE: Blanket Inland Marine Equipment Deductible: $500 Items under $15,000 Qlank�fJplaPd- A4aCiPECOUacage -is- defined as' CoiPrngp for all unsnherinleri Inland Marine p4ill ment EmemenCy Portable Equipment and Communications Equipment valued at $15,000 or lets is subject to $500 deductible. (All Watercraft must be scheduled.) Limit of Liability - $1,000,000. Coverage Basis: Actual Cash Value INLAND MARINE COVERAGE EXTENSIONS: Rental Reimbursement for Contractor's Equipment for Covered Loss y Limited Contractor's Equipment Cost D installation Floater - Members Building Materials 3 $5,000 $250,000 $100,000 EQUIPMENT BREAKDOWN COVERAGE Subject to any applicable limits on the Declarations of Building and Personal Property Coverage, the Equipment Breakdown Limit is the most we will pay for loss or damage arising from any accident." These coverages apply to all locations covered on the policy, unless otherwise specified. 1. Coverages Limits Equipment Breakdown Limit Real & Personal Property Limit shown in proposal, Maximum Limit: $50,000,000. Business Income Subject to the Business Income Limit shown in proposal. Extra Expense Subject to the Extra Expense Limit shown in proposal. Expediting Expense $250,000 Hazardous Substances $100,000 Spoilage $250,000 Data Restoration $250,000 Service Interruption Included (Must exceed 24 hours.) Water Damage Included in Property Coverage, IL Deductibles Direct Coverages Subject to the Real & Personal deductible shown in proposal. Indirect Coverages Subject to the appropriate Time Element deductible shown in proposal. III. Other Conditions "Covered Equipment" does not include equipment primarily used to generate electric power; however, this exclusion does not apply to emergency generators. 4 GENERAL LIABILITY COVERAGE Comprehensive General Liability Limits Practices Liability Limit Per Occurrence: $1,000,000 Annual Aggregate: Unlimited Deductible: $0 Limit Per Occurrence: $1,000,000 Annual Aggregate: Unlimited Deductible: $0 Police Professional Liability Limits Limit Per Occurrence: $1,000,000 Annual Aggregate: Unlimited Deductible: $0 Note: For Members that choose a deductible - Members are only responsible for the deductible if a judgment or settlement occurs. Legal expenses are outside the deductible and paid solely by the Trust for General Liability and! or Automobile Liability. Important Note: The deletion of any of the above coverages does not automatically reduce the premium. These premiums are based on all of the above coverages. , Any deletions of coverage will alter the experience modification factor originally used and may result in a higher premium. 5 ADDITIONAL BENEFITS: D Defense Costs paid in addition to policy limits ➢ Premises Operations ➢ Products /Completed Operations Y Contractual Liability (Designated Contracts Only) ➢ Owners & Contractors' Protective Liability ➢ Personal Injury Liability D Host Liquor Liability A incidental Medical Malpractice Liability A Watercraft Liability ➢ Fire Legal Liability - $500,000 Limit 5 Broad Form Property Damage - Maximum $500,000 in any one Trust Year ➢ Advertising Injury Liability ➢ Employment Practices Liability ➢ Employee Benefits Program Administration Liability ➢ Extra Contractual Legal Expense - $100,000 Limit • (EEOC, Florida Commission on Human Resources, Ethics, Sunshine Law) • No -fault Sewer Backup D Crisis Intervention A HR Heipline - Full Legal Support and Online Services L AUTOMOBILE COVERAGE Limits Comprehensive Automobile Wbility, $1,000,000 Deductible: $0 Personal Injury Protection $10,000 Deductible: $0 Automobile Physical Damage Comprehensive Coverage Collision Coverage Coverage Includes: D Hired & Non -Owned Liability A Rental Reimbursement - scheduled vehicles. ➢ Lease Differential - scheduled vehicles D Limited Replacement Cost -owned private passenger vehicles ➢ Member's Personal Effects $0 Deductible $100 Deductible Note: For Members that choose a deductible -Members are only responsible for the deductible if a judgment or settlement occurs. Legal expenses are outside the deductible and paid solely by the Trust for General Liability and 1 or Automobile Liability. 7 CRIME & BOND COVERAGE Limits Honesty Blanket Bond $50,000 Deductible: $1,000 Crime: Computer Fraud $50,000 Deductible: $1,000 Depositors Forgery $50,000 Deductible: $1,000 "Certain Officers and Subordinates are excluded automatically from coverage by the terms of the designated Blanket Bonds: 1. All Coverages - Finance Directors, Treasurers and Tax Collectors by whatever title known. Z. Faithful Performance Coverages - Personnel required by law to furnish an individual bond to qualify for office (Policemen excluded). 1 Honesty Coverages - Personnel required by law to give bond for faithful performance duties. 8 WORKERS' COMPENSATION PAYROLLS Limit Workers' Compensation Statutory Employers Liability $ 1,000,0001$1,000,0001$1,000,000 CODE DESCRIPTION PAYROLL 7720 POLICE OFFICERS 3,383,249 8380 AUTOMOBILE SERVICE OR REPAIR 136,999 8810 CLERICAL 1,222,189 8868 COLLEGE OR SCHOOL - PROFESSIONAL EMPLOYEES 743,550 9015 BUILDINGS - OPERATION BY OWNER 244,275 9102 PARK NOC 997,164 9402 SEWER CLEANING 33,299 9403 GARBAGE, ASHES OR REFUSE 337,103 9410 MUNICIPAL, TOWNSHIP, COUNTY EMPLOYEES NOC 413,851 Deductible: $0 Experience Modification Factor: 1.41 Safety Credit: Yes Drug Free Credit: Yes The Workers' Compensation premium is subject to adjustment when the October 1, 2011 experience modification is received. Premium calculation includes 5% Drugfree Credit and 2% Safety Credit - Requires receipt of approved applications. OPTIONAL PRIOR ACTS COVERAGE DEDUCTIBLE LIMIT NET PREMIUM - Public Officials E & O Prior Acts Coverage Retroactive Date: October 1, 2010 $1,000,000 $13,011 Note: This premium is in addition to the Total PMIT Premium shown on page 10 Coverage for prior acts Is retroactively extended for claims that occurred but were not reported to the designated member or to the Florida Municipal Insurance Trust until the effective date of coverage, whether or not reported to the prior insurer. No coverage will be provided for any occurrence that may cause a potential claim that the insured was aware of prior to the effective date of this endorsement and which was not reported to the prior insurer. " The deductible is $10,000 or the policy deductible, whichever is greater. Claims arising out of Prior Acts coverage are not included in the StopLoss Amount. 12 DEDUCTIBLE I LIMIT OPTIONS LIMIT DEDUCTIBLE PREMIUM Property -Real and Personal property $18,780,986 $1,000 $133,093 $18,780,986 $5,000 $130,877 $18,780,986 $10,000 $127,902 General Liability and Errors & Omissions $1,000,000 Combined Single Limit $0 $112,985 $1,000 $111,671 $5,000 $109,510 $10,000 $107,162 Automobile Liability $1,000,000 Combined Single Limit $0 $69,120 $1,000 $67,198 $5,000 $62,734 $10,000 $60,085 Automobile Physical Damage Deductible Premium Comprehensive and Collision $01$100 $4,620 Comprehensive and Collision $500 $4,248 Comprehensive and Collision $1,000 $3,888 Note: $0 Deductible is not available for Collision 13 SERVICES INCLUDED BY FLORIDA LEAGUE OF CITIES & FMIT The Florida League of Cities and the Florida Municipal Insurance Trust are pleased to be able to provide more than "just" insurance for your premiums. As you consider our coverages and premiums, please consider the following services that will be provided as well: Return of premium -FMIT Members are owners of the FMIT. This payment to our Members is an example of owners assessing the strength of their program and making decisions to benefit all Members. Over the past 4 years the Board of Directors has approved the returns to our "owners" in excess of $28,000,000. VALUE TO YOU: $ Safety Grants - The FMIT offers cost sharing grants to our Members for projects that improve safety. These grants are for up to $5,000 and are subject to approval by an appointed Board of Risk Managers from our insured Cities. You have received the following Grants: VALUE TO YOU: $ SimpliCity - FMIT Members face unique challenges when maintaining accurate schedule of values, tracking assets, overseeing projects, coordinating vendor services and documenting the property claims process. SimpfiCify was developed exclusively for FMIT Members to address these needs and to speed the claim and recovery process. VALUE TO YOU: $ 14 TurnKey Recovery - In an effort to improve the mitigation process and significantly reduce the financial impact of a loss can have on a Member's ability to recover, FMIT TurnKey Recovery Program is offered to Members. Project costs are approved and paid to certified vendors directly by Synergy for the FMIT in order to reduce Member's out -of- pocket costs. FMIT TurnKey Recovery helps to minimize the financial exposure the SOV Claims can have on Members net cash -flow by eliminating the recovery cost burden and the reimbursement process. VALUE TO YOU: $ Special Investigations Unit (SIU) • Insurance fraud costs each Florida family approximately $1,400 a year in additional premiums, and is the number two white collar crime In America. The Special Investigation Unit (SIU) was created in 1999 to investigate suspected fraud to help reduce the cost and amount of fraud for the Florida Municipal Insurance Trust (FMIT) Members. As of 2010, fraud investigations and prosecutions have resulted in over $5,5 million in cost savings and more that $1.8 million dollars in restitution ordered on FMIT claims, The SIU was recognized by the State of Florida Governor and Cabinet in 2009 for its work in the fight against insurance fraud. VALUE TO YOU: $ Per Scheduled Unit Deductible - The FMIT Deductible applies to each scheduled Building, each scheduled Contents, and each scheduled Property In The Open instead of Per Location's Total Values. This greatly reduces your financial exposure In a named storm event. VALUE TO YOU: $ 15