2To:
Via:
From:
Date:
Subject:
Request:
CITY OF SOUTH MIAMI
OFFICE OF THE CITY MANAGER
INTER-OFFICE MEMORANDUM
The Honorable Mayor & Members of the City Commission
Steven Alexander, City Manager
LaTasha Nickle, Human Resources Director
Agenda Item NO.:~ September 27,2013
2001
Property, General Liability, Automobile Insurance and Public Officials & Employment
A Resolution authorizing the City Manager to execute a policy of insurance
with the Preferred Governmental Insurance Trust (PGIT) for Property, Crime,
Inland Marine, General Liability, Law Enforcement Liability, Automobile
Liability, and Automobile Damage Insurance.
A Resolution authorizing the City Manager to execute a policy of insurance
with ACE for Public Officials and Employment Practices Liability Insurance.
Reason/Need: The City solicited and received proposals, which were heavily negotiated, for the City's
Property, General Liability, Automobile Insurance, and Public Officials and Employment
Practices Liability coverage for FY 2013-2014 from carriers currently writing municipal
business in South Florida. The following tables summarize the responses received.
PGIT Proposal Comparison with FY 13 Policy
Coverage Limits Coverage Limits Deductible Deductible Premium Proposed
Line of Coverage Premium FY 13 FY 14 FY 13 FY 14 FY 13 FY 14
Property Varies by claim type Varies by claim type $0 -15,000 $0-118,293 124,743 15,000
Crime 100,000 100,000 1,000 1,000 517 750
General Liability 1,000,000 1,000,000 0 0 33,007 58,992
Inland Marine Actual Cash Value Actual Cash Value 1,000 1,000 2,633 2,633
Public Officials / Emp Liability 1,000,000 1,000,00 2,500 N/A 35,631 0
Law Enforcement 1,000,000 1,000,000 0 0 34,733 49,090
Automobile Liability 1,000,000 1,000,000 0 0 70,599 67,639
Automobile Damage Actual Cash Value Actual Cash Value 1,000 1,000 Incl in AL 21,515
295,413 325,362
1
FMIT Proposal Comparison with FY 13 Policy
Coverage Limits Coverage Limits Deductible Deductible FMIT Premium Proposed
Line of Coverage FY 13 Premium FY 13 FY 14 FY 13 Premium
FY 14 FY 14
Property Varies by claim Varies by claim $0-$0-166,975 135,222 type type 15,000[1] 15,000
Inland Marine Actual Cash Value Actual Cash Value 1,000 1,000 Incl in Property Incl in Property
General Liability 1,000,000 1,000,000 a 5,000 97,299 603,459
Crime 100,000 100,000 1,000 1,000 Incl in GL Incl in GL
Public Officials I Emp Liability 1,000,000 1,000,00 2,500 25,000[2] 7~,907 Incl in GL
Law Enforcement 1,000,000 1,000,000 a 25,000 213,334 Incl in GL
Automobile Liability 1,000,000 1,000,000 a 10,000 68,121 96,150
Automobile Damage Actual Cash Value Actual Cash Value 1,000 10,000 Incl in AL 30,885
625,636 865,716
The City Manager and Staff recommend that the City renew the liability package coverage with PGIT.
This proposal provides the necessary coverage at a lower premium with significantly lower deductibles
than the proposal submitted by FMIT. In addition, the FMIT package is conditioned upon the City
satisfying a number of additional requirements at the City's own expense and a formal
"acknowledgement by the City that the offer of insurance will be outside of the normal coverage form
provided by the FMIT, that the coverage form is more limited and these limitations are solely present
due to the prior loss situation with the previous carrier." The City Manager believes that it is in the
City's best interest to renew the coverage with PGIT.
In addition to the package quotations summarized above, the City received independent quotes for its
Public Officials & Employment Practices Liability coverage. A Comparison of the two quotations is
summarized in the table below.
Coverage Limits Deductible Deductible Premium Premium
FY 13 FY 14 FY 13 FY 14
National Union 1,000,000' 2,500 $100,000 35,631 47,570
$500,000 zoning
ACE 1,000,0004 2,500 100,000 35,631 46,017.49
150,000
Employment
250,000 zoning
The City Manager and Staff further recommend that the City purchase Public Official/Employment
Practices Liability coverage with ACE. After reviewing the two proposals, the ACE package provides the
better value due to the potential savings in deductibles over the next year. The Florida League of Cities
insurance provider (FMIT) after initially advising the City that they would not write a policy for South
Miami has proposed a package, which excludes completely any coverage for land use activities. This
3 Unlimited defense costs
4 Defense costs included in limit of liability.
2
exclusion along with other exclusions, limitations and deductible and premium levels resulted in the
staff not recommending FM IT in lieu of the offers from the above vendors.
The above-recommended coverage is within the amounts reserved in the recently adopted Operating
Budget, with remaining funds to cover the anticipated deductibles as set forth below.
Insurance Premium Approved FY 2014 Budget
Auto Insurance
Liability Insurance
TOTAL
Recommended PGIT Insurance Premium Amount
Recommended ACE Public Officials & Employment Policy
TOTAL
Budgeted Balance Remaining to Cover Deductibles
Backup Documentation:
o Insurance Cost Summary
o Proposed resolutions.
o Proposal from FMIT
o Proposal from PGIT
Amount
76,893
523,107
600,000
325,362
46,017
371,379
228,621
3
Insurance Premium Cost Summary Comparison
FMIT Premium Comparison FY 13 -14
Prposed Proposed %of Line of Coverage Premium Premium Change Diff
FY 13 FY 14
Property 166,975 135,222 -23% -31,753
Inland Marine Included in Included in
Property Property
General Liability 390,540 603,459 35% 212,919
Crime Included in GL Included in GL
Public Officials / Employment Liability Included in GL Included in GL
Law Enforcement Included in GL Included in GL
Automobile Liability & Damage 68,121 127,035 46% 58,914
TOTAL 625,636 865,716 28% 240,080
PGIT Premium Comparison FY 13 -14
Approved Proposed %of
Line of Coverage Premium Premium Change Diff
FY 13 FY 14
Property 118,293 124,743 5% 6,450
Crime 517 750 31% 233
General Liability 33,007 58,992 44% 25,985
Inland Marine 2,633 2,633 0% 0
Public Officials / Employment Liability 35,631 46,017 23% 10,386
Law Enforcement 34,733 49,090 29% 14,357
Automobile Liability & Damage 70,599 89,154 21% 18,555
TOTAL 295,413 371,379 20% 75,966
1 RESOLUTION NO. ____ _
2 A Resolution authorizing the City Manager to execute a policy of insurance with
3 the Preferred Governmental Insurance Trust (PGIT) for Property, Crime, Inland
4 Marine, General Liability, Law Enforcement Liability, Automobile Liability, and
5 Automobile Damage Insurance.
6 WHEREAS, the City, through its Agent of Record, Brown & Brown, has received
7 insurance quotes for Property, Crime, Inland Marine, General Liability, Law Enforcement
8 Liability, Automobile Liability, and Automobile Damage Insurance.
9 WHEREAS The City renewal quote from PGIT for the continuation of the existing
10 coverage provides the best coverage options to meet the City's existing needs;
11 WHEREAS, the City Administration recommends that the City continue coverage with
12 the PGIT for Property, Crime, Inland Marine, General Liability, Law Enforcement Liability,
13 Automobile Liability, and Automobile Damage Insurance Coverage for the 2013-2014 Fiscal
14 Year based upon the current proposal;
15 NOW THEREFORE BE IT RESOLVED BY THE MAYOR AND CITY
16 COMMISSION OF THE CITY OF SOUTH MIAMI, FLORIDA THAT:
17 Section 1. That the City Commission hereby authorizes the City Manager to execute
18 the renewal insurance policy for Property, Crime, Inland Marine, General Liability, Law
19 Enforcement Liability, Automobile Liability, and Automobile Damage Insurance with PGIT
20 for the 2013-2014 Fiscal Year.
21 Section 2. This resolution shall take effect immediately upon adoption.
22 PASSED AND ADOPTED this __ day of ____ , 2013.
23
24
25 ATTEST: Approved:
26
27
28 CITY CLERK MAYOR
29
30 READ AND APPROVED AS TO FORM COMMISSION VOTE:
31 LANGUAGE, EXECUTION AND Mayor Stoddard:
32 LEGALITY: Vice Mayor Liebman:
33 Commissioner Newman:
34 Commissioner Harris:
35 Commissioner Welsh:
36
37
38 CITY ATTORNEY
39
FMIT 2010-11
Renewal Quote PGIT Expiring FMIT 13-14 Quote
General Liability (GL) $112,985 $104,000 $603,459
Automobile Liability $69,120 $70,000 $96,150
Auto Physical Damage
(APD) $4,620 $30,885
Property $133,164 $110,000 $135,222
we $240,118 $203,756 $203,756
Total $560,007 $487,756 $1,069,472
Nickle, Latasha
From:
Sent:
To:
Riverol, Alfredo
Thursday, September 26, 2013 12:40 PM
Nickle, Latasha
Subject: Fwd: Insurance
Sent from my iPhone
Begin forwarded message:
From: Jeannie Garner <JGarner@flcities.com>
Date: September 26, 2013 at 12:21: 17 PM EDT
To: Alfredo Riverol <Ariverol@southmiamifl.gov>
Subject: Insurance
Below are the requirements. Sorry for the format but we are all on the road and wanted to get to
you as soon as possible. The policy limitations are outside of the normal FMIT form and will
require Board approval tomorrow. Please let us know if it is acceptable. I will send premium
numbers in next email.
City of South Miami
FOR DISCUSSION ONLY -DRAFT
If a proposal for coverage is considered the following conditions should be required to provide
protection for the FMIT.
Risk Control Recommendations:
1.
The City shall cooperate and assist FMIT Risk Control personnel with recommended training
throughout the policy year.
2.
The City agrees to obtain independent legal counsel advice prior to the termination of any
employee.
3.
The City agrees to an outside HR Audit/Review by a vendor chosen by the FMIT. Such cost not
to exceed $8,000.
4.
1
Monthly police participation in league provided online training through the FMIT. Participation
standards shall be set by Risk Control staff.
5.
Defensive driving training shall be provided and recommendations implemented by the City.
Training will be provided by the FMIT.
6.
Failure to comply with Risk Control recommendations will result in the immediate issuance of a
45 day notice of cancellation by the FMIT.
7.
Acknowledgement by the City that the offer of insurance will be outside of the normal coverage
form provided by the FMIT, that the coverage form is more limited and these limitations are
solely present due to the prior loss situation with the previous carrier.
Coverage Considerations:
The following coverage considerations should be considered due to the prior three year history of
losses at the City. These considerations could be reviewed annually and revised by underwriting.
Property Coverage -no changes necessary based on losses.
Workers Compensation -current coverage with FMIT -no recommended coverage changes.
General Liability -for the general liability coverage would recommend a $5,000 deductible per
claim under our standard form.
Law Enforcement Liability -due to the frequency of claims under the current policy, it is
recommended to make the following changes:
Offer: $1,000,000 limit per occurrence
$1,000,000 Annual Aggregate
2
$25,000 Deductible per claim
Limit offered is INCLUSIVE of defense costs
FMIT controls defense of claim until exhaustion of limits
FMIT has no duty to defend after exhaustion of limits of coverage
E&O/EPLI Coverages -again, due to frequency and severity issues the following limits should
apply:
$1,000,000 limit per occurrence
$1,000,000 Annual Aggregate
$25,000 Deductible per claim
Limit offered is INCLUSIVE of defense costs
FMIT controls defense of claim until exhaustion of limits
FMIT has no duty to defend after exhaustion of limits of coverage
Recommend that Land Use/Inverse Condemnation coverages be excluded
Automobile:Standard policy form may apply but enforce a $10,000 deductible per claim.
Excludes prior acts coverage
3
INSURANCE PROPOSAL SUBMITTED ESPECIALLY FOR:
CITY OF SOUTH MIAMI
POLICY TERM:
10101113 TO 10101114
PRESENTED By:
ROBERT HOLLANDER
EXECUTIVE VICE PRESIDENT
BROWN & BROWN -MIAMI DIVISION
1
INTRODUCTION
......... _ .. __ ..... _----... _ ... _----_ ..•. _-_ ... _--_ .............. _._-
We would like to take the opportunity to thank you for allowing us to work closely with you in
our effort to develop a comprehensive Risk Solution Program for your business. Brown &
Brown, Inc. is the largest independent agency organization in Florida and the 6th largest in the
US. The company provides a variety of insurance products and services to corporate,
institutional, professional and i!3dividual clients. Headquartered in Daytona Beach and Tampa,
Brown & Brown is publicly traded on the New York Stock Exchange (BRO) and has been
included in Forbes' list of the "200 Best Small Companies in America". The company handles
clients' premiums in excess of 12 Billion annually and has in excess of 6,500 employees.
While size is not the sole criteria for choosing an insurance agent, it does enable us to offer our
clients clout in the marketplace and unmatched service capabilities.
Please feel free to visit our website at www.bbinsurance.com
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 plans please refer to the policy document. Specimen policy formes) are
available upon request.
2
ACCOUNT SERVICING TEAM
Robert Hollander
Executive Vice President
305-364-7818
rho llander@bbmia.com
N ancye Batista, AAI
Account Manager
305-364-7816
nbatista@bbmia.com
Alexandra Sarria
Claims Representative
(305) 364-7812
Asarria 1 @bbmia.com
Jessica Urbina
Account Manager Associate
305-364-7866
jurbina@bbmia.com
14900 NW 79th Court, Suite 200
Miami Lakes, FL 33016
Telephone: 1-800-432-8844, (305) 364-7800 or (305) 714-4400 Fax: (305) 714-4401
3
TABLE OF CONTENTS
I. Marketing Efforts
II. Schedule of Named Insureds
III. Coverage Sections
• Property
• Inland Marine
• Crime
• Commercial General Liability
• Law Enforcement
• Commercial Automobile
• Public OfficiaVEmployment Practices Liability
IV. Summary
V. Illustrations and Definitions
4
-----_._._._.-._--------
MARKETING EFFORT
In preparing your insurance proposal we have contacted several available insurance markets in
order to secure the best possible insurance program for your business. The markets we contacted
and their responses are shown below for your perusal:
COMPANY
Public Officials/Employment
Practices
Berkley Companies Declined
RESPONSE
Indian Harbor Insurance Company Premium indication: $200,000 -$250,000 with
$200,000 SIR
National Union Fire Insurance Company Quoted -Option I
Ace American Insurance Company Quoted -Option II
5
SCHEDULE OF NAMED INSUREDS
City of South Miami
This list includes all of the named insured's we presently have on your policies. Should any
revisions to this listing be required, please notify our office immediately.
Please Verify the Accuracy of Each Name and Update List, If Needed.
6
PROPOSED PROPERTY COVERAGE
Insurer:
Preferred Governmental Insurance Trust
Not Rated by A.M. Best
Location of Premises:
Per Schedule Attached
Description of Property:
Blanket Building & Contents Limit, per attached schedule $21,514,166
Values Insured are Ultimately Chosen by the Client. In view of the continually changing cost of
construction and building materials, we strongly suggest that you review your property values annually.
ANY changes in the occupancy of an insured location should be reported to our office immediately.
Changes in occupancy can potentially reduce or negate the coverage
afforded by your property policy.
Description of Coverages Proposed:
Policy Form:
Building & Personal Property Coverage Form -Special
Causes of Loss:
Special Form: Excluding Earthquake/Earth Movement
Coinsurance:
Building & Personal Property: N/ A
Valuation:
Replacement Cost
7
PROPOSED PROPERTY COVERAGE
Continued
Property Extensions of Coverage:
For a full description of terms, definitions and conditions, please refer to the policy
documents.
Accounts Receivable
Additional Expense
Animals
Loss of Business Income
Debris Removal
Demolition, Ordinance and ICC
Expediting Expense
Fire Department Charges
Fungus Cleanup Expense
Lawns, Plants, Trees and Shrubs
New Locations
Personal Property of Employees
Pollution Cleanup Expense
Preservation of Property
Recertification
Service Interruption Coverage
Transit
Errors and Omissions
Vehicle Property Coverage
8
Coverage
$ 250,000
$ 100,000
$ 1,000/$5,000
$ 500,000
$ 250,000
$ 500,000
$ 55,000
$ 25,000
$10,000/$20,000
$ 25,000
$ 2,000,000
$25,000/$50,000
$25,000/$50,000
$ 250,000
$ 10,000
$ 100,000
$ 250,000
$ 250,000
$ 0
SCHEDULE OF COVERED PROPERTY
I; ',> ,"",' Cj';,: ,.' "'.", ""
, Buildil'lg ............. ' ..
j',,':.'.:
Contents', "
I R~placemel'lt R~pl,a~eme.nt
.,. " ", Address . ... ,",." ". , ." " Description '. ; . Value .,. ,; Value .....
6820 SW 64 A VENUE ALL AMERICA PARK/ 3 PICNIC TABLES $ 7,000.00
5907 SW 70TH STREET AUTO INSPECTION STATION $ 44,000.00
6300 SW 56TH STREET BREWER PARK -1/2 BASKETBALL COURT $ 13,000.00
6300 SW 56TH STREET BREWER PARK -2 RACQUETBALL COURT $ 28,665.00
6300 SW 56TH STREET BREWER PARK -2 TENNIS COURTS $ 52,000.00
6300 SW 56TH STREET BREWER PARK -360FT OF 5FT HIGH FENCE $ 3,900.00
6300 SW 56TH STREET BREWER PARK -460FT OF 10FT HIGH FENCE $ 7,800.00
BREWER PARK -PLAYGROUND AND
6300 SW 56TH STREET SWING SET $ 34,125.00
6121 SW 68TH STREET CAA HEAD START CENTER $ 471,200.00 $ 5,487.00
4795 SW 75TH AVENUE CITY GARAGE $ 560,000.00
6130 SUNSET DRIVE CITY HALL I POLICE $ 3,839,900.00 $395,472.00
4795 SW 75TH AVENUE CITY'S REPAIR SHOP $ 63,000.00 $ 59,267.00
8600 RED ROAD DANTE B FASCELL -1 TIKI HUT $ 10,000.00
8600 RED ROAD DANTE B F AS CELL COMMUNITY STORAGE $ 63,000.00
DANTE B FASCELL PARK -1 BASKETBALL
8600 RED ROAD COURT $ 13,000.00
8600 RED ROAD DANTE B FASCELL PARK -2 GAZEBOS $ 65,000.00
DANTE B FASCELL PARK -2 RACQUETBALL
8600 RED ROAD COURTS $ 28,665.00
8600 RED ROAD TENNIS COURTS INCL $6,500 CONTENTS $ 123,500.00
DANTEBFASCELLPARKIPLAYGROUND
8600 RED ROAD ($6,500 CONTENTS INCLUDED $ 104,000.00
DANTE B. FASCELL PARK I TENNIS PRO
8600 RED ROAD SHOP & RESTROOM BLDG $ 95,880.00
SW 58TH AVE & SW 80
ST DISON PARK GAZEBO $ 25,000.00
SW 58TH AVE & SW 80
ST DISON PARK -PICNIC TABLE $ 2,000.00
6445 SW 81 STREET FUCHS PARK-BATHROOM $ 84,000.00
FUCHS PARK PAVILION ($4,550 CONTENTS
6445 SW 81 STREET INCLUDED) $ 31,000.00 $ 4,550.00
6445 SW 81 STREET FUCHS PARK PLAYGROUND & SWING SETS $ 70,769.00
6609 SW 60 STREET GIRL SCOUT PROPERTY $ 234,060,00
6701 SW 58 PLACE HOPE BUTLER ACTIVITY CENTER $ 271,680.00
7220 SW 61ST COURT JEAN WILLIS PARK I GAZEBO $ 19,500.00
9
'l , .):'; .... " '~.>./. :BuUding .'
'." .. '
. ;. COlltents; . ':) I . Replacement
··········;············· .. N
I: ':':') 'Repla~ement • .' ' ...... : .•.... ·····i\ddress . . .:.i· . : .•.. :, .' .. '
....... ..Description .' ......" ..• >( Value' ' . Value .' .
MARSHALL WILLIAMSON PARK -2 TENNIS
6121 SW 68 STREET COURTS $ 52,000.00
MARSHALL WILLIAMSON PARK / 3
6121 SW 68 STREET BENCHES $ 1,170.00
6121 SW 68 STREET MARSHALL WILLIAMSON PARK / GAZEBO $ 65,000.00
MARSHALL WILLIAMSON PARK /
6121 SW 68 STREET PLAYGROUND AND SWING SET $ 32,500.00
5800 SW 66 STREET MURRAYPARK-2SHADESTRUCTURES $ 2,000.00
6701 SW 58 PLACE MURRAY PARK / COMMUNITY CENTER $ 360,000.00
6900 SW 59TH PLACE OFFICE / POLICE SUBSTATION $ 28,665.00
5975 SUNSET DRIVE OFFICE / POLICE SUBSTATION $ 32,500.00
PALMERPARK-1,000 FT OF 10FT HIGH
6701 SW 67TH AVENUE FENCE $ 16,900.00
6100 SW 67 AVENUE PALMER PARK FIELD HOUSE $ 115,620.00 $ 9,147.00
6701 SW 67TH A VENUE PALMER PARK -CONCESSION BLDG $ 54,000.00
6445 SW 81 STREET PALMER PARK -FIELD STORAGE BUILDING $ 45,500.00
6701 SW 67TH AVENUE PALMER PARK -RESTROOM BLD $ 84,600.00
PALMER PARK /1,200 FT OF 5FT HIGH
6701 SW 67TH AVENUE FENCE $ 13,000.00
6701 SW 67TH AVENUE PALMER PARK FIELD HOUSE $ 109,205.00 $ 9,147.00
6701 SW 67TH AVENUE PALMER PARK FOOTBALL STORAGE BLDG $ 75,000.00 $ 45,730.00
6701 SW 67TH AVENUE PALMER PARK FOOTBALL STORAGE ROOM $ 33,000.00 $ 19,500,00
6701 SW 67TH AVENUE PALMER PARK PLAYGROUND $ 26,000.00
5829 SW 73RD STREET PARKING GARAGE $ 8,435,520.00
4795 SW 75TH AVENUE POLICE STORAGE BLDG $ 18,900.00
4795 SW 75th A VENUE PUBLIC WORKS OFFICE BUILDING $ 281,200.00 $ 7,318.00
6130 SUNSET DRIVE SILVA MARTIN BLDG $ 420,180.00 $ 56,706.00
4795 SW 75TH AVENUE SOLID WASTE BLDG $ 103,500.00
5800 SW 66 STREET SOUTH MIAMI COMM CENTER / GYM $ 3,218,560.00 $ 390,000.00
4795 SW 75TH AVENUE STORAGEIMOTOR POOL OFFICE $ 54,000.00
7800 SW 59TH AVENUE V AN SMITH PARK / RESIDENCE BLDG $ 224,600.00
6121 SW 68 STREET MARSHALL WILLIAMSON/4 PICNIC TABLES $ 3,120.00
6726 SW 59 PLACE POLICE SUB STATION $ $ 26,000.00
N OF SUNSET/60 AVE BUS SHELTER $ 50,000.00
N OF SUNSET/67 AVE BUS SHELTER $ 50,000.00
S OF SUNSET/67 AVE BUS SHELTER $ 50,000.00
S OF SUNSET/CITY HALL BUS SHELTER $ 50,000.00
E OF SW 62 AVENE BUS SHELTER $ 50,000.00
TOTAL INSURED VALUE $ 20,433,824.00 $ 1,080,342.00
10
PROPOSED PROPERTY COVERAGE
Continued ...
Deductible:
All Other Perils:
Named Windstorm:
Flood:
Coverage Enhancements:
$ 2,500 Per Occurrence -Building & Contents and
Extensions of Coverage
5% Per Occurrence -Subject to $15,000 Minimum
$2,500 Per Flood except zones A, V excess ofNFIP, whether
purchased or not
• Boiler & Machinery $21,514,166
NOTE: Detached walls, fences, radio and TV antennas, trees, shrubs, plants free-standing property
improvements such as athletic equipment, windscreens, light poles, satellite dishes or signs are
not covered unless specifically scheduled on the policy.
Property and Extensions of Coverage include, but are not limited to the following exclusions:
• Earthquake/Earth Movement
• Terrorism
• Electronic Data
• Electronic Date Recognition
• Asbestos
• Pollution
• Fungus
• War, Nuclear
• Ordinance or Law -Limited per Extensions of Coverage
11
WINDSTORM & HAIL DEDUCTIBLE SAMPLE ILLUSTRATION
FLAT DEDUCTIBLE vs. PERCENTAGE Windstorm and Hail Deductible
This deductible would apply to a claim for damage caused by windstorm.
Building Replacement Cost Flat Ded. 2% Ded. 3% Ded. 5% Ded.
Bldg #1 -$1,000,000 $5,000 $20,000 $30,000 $50,000
Bldg #2 -$2,000,000 $5,000 $40,000 $60,000 $100,000
Bldg #3 -$3,000,000 $5,000 $60,000 $90,000 $150,000
Bldg #4 -$4,000,000 $5,000 $80,000 $120,000 $200,000
TOTALS:
Value -$10,000,000 $20,000 $200,000 $300,000 $500,000
Percentage wind deductibles are calculated as a percentage of the total replacement value.
The deductible for all other perils applies to an "occurrence", not per building.
12
PROPOSED INLAND MARINE COVERAGE
Insurer:
Preferred Governmental Insurance Trust
Not Rated by A.M. Best
Description of Property:
Parking Meter Equipment
Causes of Loss:
Special Form: Excluding Flood and Earthquake
Values of Insurance:
$ 417,896.00
Loss of Use coverage is not automatically included
Valuation:
Actual Cash Value
Deductible:
$1,000
Exclusions Include But Are Not Limited To:
Flood
Earthquake/Earth Movement
Terrorism
Biological or Chemical Materials
Electronic Data
Electronic Date Recognition
Asbestos
13
PROPOSED CRIME COVERAGE
Insurer:
Preferred Governmental Insurance Trust
Not Rated by A.M. Best
Type of Policy:
Combination Crime
Limits of Coverage:
Employee Dishonesty Inci. Faithful Performance $ 100,000
Per Loss
Covers loss of money, securities and other property by employee
dishonesty at an premises of the insured.
Forgery or Alteration $ 100,000
Covers loss by forgery or alteration of checks, drafts, and promissory
notes (except by an employee) that are made or drawn by the insured or
his agent.
Computer Fraud $ 100,000
Covers against theft of money, securities, or property by using a
computer to transfer covered property from the insured's premises or
bank to another person or place. No coverage is provided for theft of
information or for computer vandalism.
Other Coverages Available:
C. Theft, Disappearance and Destruction
D. Robbery and Safe Burglary
E. Premises Burglary
G. Extortion
H. Premises Theft and Robbery Outside
1. Lessees of Safe Deposit Boxes
J. Securities Deposited with Others
Deductibles:
Employee Dishonesty
Forgery or Alteration
Computer Fraud
$1,000
$1,000
$1,000
14
PROPOSED GENERAL LIABILITY COVERAGE
Insurer:
Preferred Governmental Insurance Trust
Not Rated By A. M. Best
Type of Form:
Commercial General Liability -Occurrence Form
Limits of Liability:
Bodily Injury & Property Damage
Liability
Personal Injury & Advertising
Injury
Damage to Premises
Leased/Rented to You
Bodily Injury and Property
Damage Deductible
$1,000,000 Each Occurrence
NI A General Aggregate
Included
Included
Included
Products & Completed
Operations Aggregate
Any One Person or
Organization
Any One Fire
NI A Per Occurrence
Higher Liability Limits may be Available Upon Request
Exposure Basis:
Class
Municipality
Basis
Payroll
Amount
$4,034,994
Be sure to get Certificates of Insurance with "Adequate" Limits and Coverage from
Subcontractors, to avoid being charged as though Subcontractors were your Employees.
Coverage Enhancements:
Herbicide & Pesticide -$1,000,000 Aggregate Limit
Exclusions include but are not limited to:
• Pollution
• Asbestos
• Mold
• Fungus, Bacteria
• Lead
• Nuclear
• Medical Payments
• No Fault Sewer Back-Up
• Liquor Liability
• Copyright or Patent Infringement
15
PROPOSED EMPLOYEE BENEFITS LIABILITY COVERAGE
Insurer:
Preferred Governmental Insurance Trust
Not Rated by A.M. Best
Coverage Form:
Occurrence
Limits of Liability:
$ 1,000,000 Per Person
NI A Aggregate
Deductible:
N/A
Employee Benefits Liability:
To pay on your behalf all sums which you shall become legally obligated to
pay on account of any claim made against you by an employee, former
employee, or the beneficiaries or legal representatives thereof and caused by
any negligent act, error or omission of yours, or any person for whose acts you
are legally liable in the administration of your Employee Benefits Program.
16
PROPOSED LAW ENFORCEMENT LIABILITY COVERAGE
Insurer:
Preferred Governmental Insurance Trust
Not Rated by A.M. Best
Type of Form:
Occurrence
Limits of Liability:
Per Person
Per Occurrence
Aggregate
Deductible:
N/A
Exposure Basis:
Class
Law Enforcement
$1,000,000
$1,000,000
N/A
Basis
Number of
Officers
17
Amount
50 Full Time
PROPOSED PUBLIC OFFICIAL/EMPLOYMENT PRACTICES
LIABILITY COVERAGE
OPTION I
Insurer:
National Union Fire Insurance Company
Rated AXV By A. M. Best Co.
Type of Form:
Claims Made
Limits of Liability:
Each Ciaim
Aggregate
$1,000,000
$1,000,000
Defense Costs Are Outside Limit, Subject to Sublimit Endorsements, Per Attached Forms
Deductible:
$100,000 Each Wrongful Act other than an Employment Practices Violation
$100,000 Each Employment Practices Violation
$500,000 Retention applies to all Zoning Claims
Exclusions:
*Per attached Exclusions and Amendatory Endorsements
* Specimen Policy, Forms, Endorsements, Sublimit Endorsements and Exclusions Per
Attached For Review
Subiect To:
• Additional claim reserve details on the 08/24/12 zoning claim settlement
• Copy of the EPL handbook
18
PROPOSED PUBLIC OFFICIAL/EMPLOYMENT PRACTICES
LIABILITY COVERAGE
OPTION II
Insurer:
Ace American Insurance Company
Rated A+XV By A. M. Best Co.
Type of Form:
Claims Made
Extended Reporting Period: 12 months for 100% of last annual premium
Limits of Liability:
Each Claim
Aggregate
$1,000,000
$1,000,000
Defense Costs are Within Limit of Liability -Capped at $1,000,000
Deductible:
$100,000 Public Officials Liability -Public Entity Liability-1 A2 and 1B
$150,000 Each Employment Practices Violation -1 C
$250,000 Retention applies to all Zoning Claims
Exclusions:
*Per attached Exclusions and Amendatory Endorsements
* Specimen Policy, Forms, Endorsements, Sublimit Endorsements and Exclusions Per
Attached For Review
Subject To:
• Copy of the EPL handbook
19
PROPOSED COMMERCIAL AUTOMOBILE COVERAGE
Insurer:
Preferred Governmental Insurance Trust
Not Rated By A. M. Best
Limits of Liability:
Bodily Injury & Property Damage Liability $ 1,000,000
Liability Coverage Provided For:
Personal Injury Protection $
(Florida No-Fault)
Medical Payments $
Uninsured Motorists Non-Stacked $
Physical Damage: Per Scheduled Vehicles
~~~n $
Comprehensive $
Physical Damage Coverage Provided For:
All New or Reolacement Vehicles Must Be
Reported Immediately so as to avoid any
possible gap in coverage
10,000
Not
Included
Not
Included
1,000
1,000
Combined Single Limit
Symbol #: 1 Any Auto
Each Person -Symbol #: 5
Owned Auto SUb.ject to No
Fault
Each Person -Symbol
Per Accident
Deductible
Deductible
Symbol #: 7 & 8 Scheduled
Autos Only and Hired
Autos Only
Higher Limits of Liability May Be Available Upon Request
Description of Vehicles:
Please See Attached Schedule of Automobiles -139 Total Units
Coverage Enhancements:
• Hired Auto Liability
• N on-Owned Auto Liability
• Hired Physical Damage
Limit: $75,000 Subject to deductible
NOTE: The vehicles listed on this policy must be owned by, titled to or leased to the Named Insured.
20
VEHICLE SCHEDULE
Uni!# Make ModelfOescr'ption Oepartment AlEff CompDed CompEft Term Value
QIy Year VIN# Vehicle Type AL Term Coli Ded Coil Eft Coil Valuation I APD Rpld
T",m Tvae
001 g,f.\ CLNR TRlR 10101113 NA $0
1 1SE!7 1287 Trailer-NO 10!D1I14 N.A. NIAI
002 BUCKET TRUCK 1010U13 HI'. SO
1 1990 411 Hea\')' Truck 10101114 Nt.. I NIAI
003 DliMPTRUCK 10101113 $1,000 1010t113 10101114 S2S}OOO
1 1993 3377 Heavy Truck 1OI011i4 $1,000 10/01113 HlIJ 11 i4 Actual cashl 525,00
004 PICKUP 10101113 HI'. SO
1 1939 8334 Light Truck 10101/i4 Nt<. NIAI
005 CROWN VICTORIA POLICE 10101113 Nil. SO
1 1996 8664 Police Car 1()101114 NA NfAI
007 CROWN VICTORIA POLlCt: 10!DUn Nil. SC
1 19Sa 8665 Police Car l()IOlfl4 NA NfAj
009 CROWN VICTORIA POLlCt: 1011l1f13 Nil. SC
1 1%7 8003 Police Car 1()IOl1l4 I'll'. NfAI
010 CRO'NN VICTORIA POLICE 1IlJ01f13 Nil. SC
1 1997 391 Police Car 10!01f14 NA N1AI
011 CROWN VICTORIA POllCt: 10J01!13 N.A. SC
1 1997 390 Police Car lQ101f14 NA NfAI
012 SWEEPER 1DfD1113 :. HI'. $C
1 19'37 2272 Heavy Truck 1D!D1114 NA Nlfl.l
013 RANGER PICKUP lD!Ol113 . Nfl. SC
1 1997 483 Light Truck 10101114 Nt<. NlAI
014 PiCKUP 10101113 NA SO
1 1998 5034 Light Truck 1 Df!J1114 Nfo. NlAI
015 CROWN VICTORIA POliCE 10!OU13 14A SO
1 1998 7544 PollceCar 10101114 NA NlAI
016 CROWN VICTORIA POliCE 10101113 !4A :. SO
1 1998 7545 Pollee Car 10101114 NA NIA]
017 CROWN VICTORIA POliCE "10/01n3 t'lA , SO
1 1998 7547 PohceCar l1Hil114 NA I I NiAf
018 CROWN VICTORIA POliCE 10101113 f'lA .: SO
1 1998 7548 Police Car '10/01/14 Nt.. NfAI
019 RECYCLE TRUCK 11:101113 $1,000 10101113 10101114 . $31,000
1 1990 7182 Hea\'Y Truc~ "lo,lOll14 51.000 10,101113 10101114 ".ctual cashl 531,00
020 F250P1CKUP 1D!Oll13 NA $(
1 1989 1506 Light Tftick -10!01H4 NA NlAI
021 F150P1CKUP 10.101113 HI'. $(
1 199B 1507 light Truck "10!01114 NA NlAI
022 CROWN VICTORIA POLICE 1 ()Ill 1113 NA SC
1 1995 2389 Police Car 10101/14 Nfl. N1AI
023 CROWN VICTORIA POLICE 10/DUD I···· HI'. S(
1 1999 2390 Police Car 10101114 Nfl. NfAI
21
Unit# Make
Qty Year
024
'1 1999
025
1 1999
026
1 1989
027
1 iSS&'
028
1 2000'
029
1 2000
030
1 2000
032
1 200G
033
1 2001
034
1 1995
035
1 2001
036
1 200l
031>
1 2001
039
1 1994-
040
1 2001
041
1 2001
042
1 2001
043
1 200t
044
1 2001
045
1 200t
046
1 1997
VEHICLE SCHEDULE
Continued
Model/Description Department AL Elf CompOed
YIN # Yehicle Type At Term Coli Oed
CROWN VICTORfA POLlCE lOlOH13 HI'.
2394 Police Car 10/0 1} 14 !>II'.
CROWN VICTORfA POLlCE 1(lJ0111.3 !>II'.
23% Pellce Car 10J01J14 NA
ECONOLINE VAN 1GIOll13 NA
5220 Bus <20 Pass, No H1IOl114 NA
ECO 15 ?.A.sS VAN HllOl113 NA
64% Bus -<;,"'20 Pass, No 'l(!JOl114 NA
EXPLORER '10/01113 NA
3386 UghtTruck 10/01114 NA
CROWN V1CTORfA POLlCE 10JOll13 HA
2531 Police Car 10101114 Ni',
CROWN VICTORIA POliCE 10101113 NA
2531 Police Car '10101114 NA
CROWN VICTORIA POUCE lG!GV~3 NA
2535 Police Caf 'l(!101114 NA.
F250 PICKUP lG/G11l3 NA
1259 Ught Truck 1GJ01d4 NA
BOX TRUCK '10101/13 $1,000
9673 Hem'yTwck 101G1!14 Sl,OlK)
TRUCK 10j01l13 $1,000
lS20 HemeyTruck 'lJ101l14 51,000
PiCKUP 10/01113 $1;000
3262 UghtTwck 10JDH14 $1,000
P1CKUP 10}Ol113 NA
3263 Light Truck 10101114 NA
S-'lJ '10/01/13 NA
9457 UghtTruck 1()lOl114 NA
EXCURSION 10/01!13 HA
7437 UghtTruck 10101114 NA
CROWN VICTORIA POUCE 10101113 NA ....
3403 Police Car 'lJ!OlI14 NA
CROWN VICTORIA POLlCE 'lJl0)]13 NA
34D4 PoHceCaf '1DJQ1114 NA
CROWN VICTORtA POLlCE 10101113 NA
3407 Police Car 10101114 HA
CROWN VICTORfA POLlCE 10101113 NA
3403 Police Car 1O!Ol114 NA
F250PICKUP POllCE '1D/01113 NA
son Pelice Car 10101114 HA
P~CKU? 10/01113 NA
7334 UghtTruck HI01l14 NA-
22
Comp,Eff Term' Vatue
Coil Eft Coil Yaluation I APD Rptd
TQm> Tvne
SO
~UAI
SO
I N/AI
$0
NfAI
$0
NfAI
$0
NfAJ
.. SO
NIAI
SO
NfAI
$0
NIAI
, $0
NIAJ
lORllI13 18'01114 $11,000
l(),1{)1l13 1 (),I!lt!14 Actual Cash) 517,00
101!lt!13 10/01114 $39,000
10iG1J13 1 (),I!lt/14 Actual Cashl 539,00
l00it13 10/01114 $19,000
lOlGH13 1 C10l! 14 Adual CailhJ 519,00
$0
NlAI
$0
NfAL
$0
I I NJAI
• •• , SO
NlAJ
$0
NlAI
$0
NfAI
SO
NIAI
$0
NJAI
......
SO
NiAI
Unit # Make
Qty Year
[\48
1 1991
USO
1 2004
DSI
1 200S
,052
1 2004
053
1 2004
054
1 1994
055
1 20G4
056
1 2004
057
1 2004
{)58
1 200S
059
1 200S
060
1 200S
081
1 2005
062
1 200S
063
1 2005
{)64
1 2005
065
1 2005
D6?
1 2005
068
1 2007
D6S
1 20%
070
1 2006
VEHICLE SCHEDULE
Continued
ModellOescription Department AlEIf CompDed
VII~ # Vehicle Type Al Term Coli Oed
E350VAN HlIOll13 NA
153 UgM Truck 10101114 Nt..
GARBAGE TRUCK 10101113 $1,000
8407 Garbage Truck lDI01J14 $1,000
TRASH TRUCK 10101113 $1,000
7533 Gar""ge Truck lDI01J14 $1,000
TRASH CRANE lDJ01!13 $1,000
862 Garbage Truck 10101/14 $1,000
F450 BUCKET TRUCK 10101113 $1,000
6749 He81i}t Truck 10101114 $1,000
SCOOTER H1101113 Nil.
167 Extra Light Se,vjce 10101114 NA
TRAILER 1DJ01113 $1,000
1773 Trailer-NO 10101114 $1,000
3 WHL CYCLE H110li13 $1,000
411>2 Extra Li9ht Servjce 10101114 $1,000
GARBAGE TRUCK H1IOll13 $1,000
:2 Gmb'ge Truck 10101J14 $1,000
TRASH TRUCK tOiG 111 3 Nil.
2891 Ga(oage Truck 10101114 NA
CROWN VICTORIA ?OUCt: 1e/DlIB $1,000
9240 Police Car 10101!14 $1,000
CROWN VICTORIA POLlCE 10101!13 S1,000
9247 ?OIiCE Car 1flJOl114 $1,000
CROIJVN VICTORIA POLICE 10101113 $1,000
9249 ?OIiCE Car 10101114 $1,000
CROWN VICTORIA POLlCE 10JOl113 .$1,0[)0
9250 Police Car 10,1() 1114 $1,000
CROWN VICTORIA POLICE 1OJOl113 $1,000
9252 Pohce Car HlI01114 $1,000
CROWN VICTORIA POLICE 10101113 $1,000
9253 Police Car 10,101114 $1,000
F25DPICKUP POLlCE 10101,'13 $1,000
8300 Police Car 10,101114 $1,000
EXPEDITlON 10/01113 $1,000
8547 Light Truck 10101114 $1,OOll
TRASH TRUCK 10101113 $1,000
7296 Garbage Truck llll01114 $1,000
TRASH CRANE 10101113 $1,000
8936 Garbage Truck 10101114 $1,000
RANGER PICKUP 10JOlin $1,000
8007 Light Truck 10101114 $1,000
23
CompEIf Term Value
Coli Eft Coli Valuation -' APD Rpid
T~r~ Tvne
.. .. $0
NlAI
10101!1S 1001114 $3S,OOO
1 Oiil 1!13 I 10iill114 AdualCashl $35,00
10101113 101lHI14 . $32,0('0
10iillil3 101G1114 Actual Cashl $32,00
10/01113 10/oU14 $32,000
1ClO1!l3 10101114 Actual Cash/ $32,00
10101113 lOO.1!14 $28,000
10101113 10101114 Actual cashl $28,00
I' $0
N/AI
lGJ01tl3 1C1G1!14 . . $1O,{)00
lOlGl1l3 10101114 Actual Cashl $10,00
1&01113 1OO1l14 $7;500
1001113 10101114 Actual Cashl 51,50
10101113 10101114 $35,000
1 OlG 1113 10/01114 Actual cashl S35,C{)
SO
NiA/
10101113 10101114 S19,322
10l011l3 10l01i14 Actual Cash/ $19}2
10;'01113 10101114 $19,322
1C101113 10101114 Actual Cash/ $19,32
.10101113 lOO1fj4 $19,32<!
10/01113 10101114 Actual Cash/ $19 132
1010JJ13 1011lil14 .... . $19,322
10101.113 10/o1l14 Actual C85hl $19,32
fS~",c."1 $19,32
$19,32
10101113 ' $19,32
10101113 1001114 Actual Cashl $19 132
10101113 lOO1f14 $23,OOC
10!O1!13 10l01l14 Actual cashl $23,00
101G1113 1001114 $22,500
10101!13 10/01114 Actual Cashl S·22;SG
1OOl!13 1011J1t14 $47,000
101O1!l3 1 O/ll 1114 Actual Cash/ $47,00(
10!G1n3 10iil1l14 $46,000
10101!13 10/01114 Actual Cashl S4G,OIJ(
H:401/13. 10101114 $21,500
10/0l113 10101114 Actual Cashl 521,5GI
Unit# Make
Qty Year
071
1 200S
072
.) 203OS
073
1 2005
074
1 2006
075
1 2006
076
1 2006
077
1 200S
076
1 200£
079
1 2007
080
1 2007
081
1 2007
082
1 2007
083
1 2007
084
1 2007
085
1 2007
086
1 2007
087
1 20117
088
1 2007
089
) 2007
DaO
1 2007
091
1 2007
VEHICLE SCHEDULE
Continued
ModeltDescriptiofl Department AlEff CompDed
VIN# Vehicle Type Al Term Coli Ded
CRO'NN VICTORIA POLICE 10l[!11H $1,000
3762 Police Car 1(}IOl114 51,000
CROWN VICTORIA POUCE to/Oll13 $1,000
3763 PolicaCar mJOl114 51,000
CROWN VICTORtA POUCE 1Gf01l13 ·$1,000
3764 PoEce Car 10,'01114 $l,(Hm
CROWN VICTORiA. POUCE 10/01113 $1,000
31S1 Felice Car 1()!01114 $l,OIXl
CROWN VICTORIA POLICE 10101113 51,000
376G Police Car 10JD1f14 $1,000
CROW}·) VICTORIA POLICE lOJ011B $1.,000
3750 Police Car 10/01114 $1,000
CRONN VICTORfpt POUCE 10101113 $1,000
3758 PoltceCar 10101114 51,000
CROWN VICTORIA. POUCE 1()lOl113 Sl,aoo
3757 PcEcaCm tG!Ol!14 51.000
RANGER PICKUP 101D1113 $1,000
9505 Light Tmck 10101/14 $1,000
CREVV CAB TRUCK liliDllH $1,000
7333 Light Truck 1DJD1l14 $1,000
CROWN VICTORIA POUCE 1G!Ollt3 $i,OQIJ
4579 PelireCar 101!l1l14 $1,000
TRASH TRUCK 1GIOll13 .$1;000 ..
5792 Gamage Trud. 10101114 51,000
E-450 PASS VAN 1010111:3 "'~n;!loo
6367 Medium Truck 10101114 $1,000
F25!J 4X2 TRUCK !(l10111:3 $1,000
8133 Ught TfIlCK 10l01i14 $1,000
CROWN VICTORIA POUCE 1D!01113 $1,000
260 Police Car llJ!D1114 $1,000
CROWN VICTORIA POUCE 1[).lD11H $1,000
261 PoHceCar 10101114 51,000
CRO'NN VICTORIA POUCE tGtoU13 $1,000
262 Pol~ceCar 10.101114 $1,000
CROWN VICTORIA POliCE 1&01113 .'c!: c$1.;OOOc,
263 Police Car 10101114 SI,OOO
CROWN VICTORIA POUCE 10101/13 51,000
264 Police Car 10101114 Sl,OlHl
CROtlN VICTORIA PoueE 1G!OlfB $1,000
1644 Police Car 11)IDl114 $1,OO!J
1'450 SUPER PICKUP lflJDlI13 $1,000
7463 Medium Truck 10/01114 $1,000
24
Camp Elf Term Value
Call Eff Call Valuation I API} Rptd
T .. ,m TVlJe
10AlU13 lClO1J14 522,000
1{)J(}1113 10101114 Actual Cashl $22,OQ
l&OlIH 1&01I14 522,000
1IJ10)113 1 101011141 ~.dual cashl S22,OO
11l1(H.I!3 1l}Alm4 522,000
')WOin3 lWO!!14 Actual Cashl 522,00
1 OAl lJ13 .1&0"1114 sn,ooo
lIJiOll13 1QiCtli4 Actual Cashl 522,00·
1!lP.l!l13 10flHt14 $22,000
Hl101l13 HllOll14 Actual Cashl 522,00{
10f01113 10P.l1t14 $22,000
1GlO1l13 10101/14 Actual cashl S22,00
lOP.ltl13 llJP.l11l4 $22,000
10,101/13 l0lNI14 Actual Cashl 522,00·
10l(H.l13n=r .' . S22,OOO
10.1'01113 I HYOH A.ctual Cashl .$22,00
'WiD!!13 10/\H!14 S'lS,800
1JJ(l1l13 1 {)JOl/14 Actual Cashl S19,80
10P.l1l13 lQJ(l1J14 ". 522,000
10101113 HllOm4 Actual Cashi $22,00
1&0111" 1001114 $25,000
lG101!13 l!l101l14 .Actual cashl $25,00{
1&01113 10/0tJ14 545,000
1 {)JOlJ 13 1{)J01l14 Actual Cashl $45,00
1!)J(l"ll13 10fOHi4 $2&,000
WI01l13 WIOr/14 Actual cashl $26,OD
1G!Ol113 W!OlI14 $30,000
1 GlO 1f13 HliOll14 Actual Cashl 530,00
10f01f13 lOl0U14 $25,000
l1J101!13 1 HlAlll14 1 Actual cashl $25,00
1&Olt13 10J(l1l14 $25,000
1 D!01:l 13 1010"l!14 .Actual Cashj $25,00
l&o'1I13 l&O'lI14 $25,000
1GlOH13 lG!O"li14 Actual Cashl S25,OO
'/'01,;)11'13-'1001114 '>'/ ccc'$25;OOO
10101113 1&01114 Actual Cashl $25,00
1&01113 lOAlm4 .... 525,000
lGlOlll3 lG.l0!!14 Actual cashl 525,00
'10.81113 10J(l!l14 $25,000
lHlOH13 lGIOtl14 Actual Cashl $25,00
lGl[!l.!13 l&OU14 c 540,000
1GIO"ll13 1 {)J01!14 Actual Cashl $40,00'
Unit # Make
Qty Year
092
1 20013
093
1 20013
094
1 200S
095
·1 200S
096
1 2008
097
1 20013
098
1 2003
099
1 :1008
100
1 2009
·101
1 2009
102
1 2009
103
1 2009
104
1 200S
105
1 2010
106
1 2009
107
1 2009
lOS Ford
1 ZOlC
109 ford
1 2010
110 Ford
1 2010
111 Ford
1 2010
112 Ford
1 2010
VEHICLE SCHEDULE
Continued
ModellDescription Department ALEff CompDed
V1I1# Vehicle Type AL Term Coli Ded
E-3S0 VAN lOJOll13 $1,000
917:9 UghtTruck 10101114 $1.000
F2511PICKUP 1010H13 $1,000
4733 UghtTruck 10101114 $1,000
TRASH TRUCK 101{J1I13 $1,000
6168 Garbage Truck 10101114 $1,000
PICKUP 1010\113 $1,000
4732 UghtTruck 1010li14 $1.000
WATER TRUCK 10101113 $1,000
6415 Heavy Truck 10101114 $1,000
15 PASS VAN 10101113 $1,000
6821 Bus <20 Pass, No 1OJOlf14 $l,aCC
15 PASS VAN 10101113 $1,000
6820 Bus <,0 Pass, No 10101114 $1,000
EXPEDtTION 10101113 $1,000
6600 UghtTruck 10101114 $l,OOC·
15 PASS 'lAN 10JOm3 $1,000
9630 Bus <20 Pass, No 11l!'Oll14 51,000
CROWN VICTORIA POLICE 11:401113 $1,000
1415 Police Car 1OIOV14 $1,000
CROWN VICTORIA POLlCE 10101113 $1.000
1416 Police Car 1O/01f14 $1,000
CROWN VICTORIA POLlCE 10/01113 $1,000
1417 Police Car 101Ot/14 $1,000
CROVVN VICTORIA POLICE 10101113 $1,000
1418 PcliceCar 10101114 $1,000
DUMP TRUCK 1Ol01l13 $1,000
7808 Heavy Truc~ 10101114 $1 ,OW
f250 10101113 $1,000
13131 UghtTruCK 10101.'14 $1,000
GARBAGE TRUCK 10101113 $1,000
9492 Galilage Truck 10/01114 $1,000
CfOvn1 Victolia Police Interceptors 10101113 $1,000
lfABP7BV2foX141487 Police Car 10101114 $l,GOO
Crow" Victoria Police Interceptor 10!O1l13 $1,000
2fABP7BV4AX141491 Police Car HlJ01l14 $1,000
Cf<lwn Victoria Police Intereepior HlJ01113 $1,000
2F ABP7BV4AX.1414 86 PoliCe Car 10J01i14 St,OllO
Crown Victoria Police Interceptor 10/0 lin $1,000
2FABP7BVGAX141489 Police Car 10101114 $1,000
Crown Victoria Police Interceptor 1C!01f13 .$1,000
2,. ABP7BV2AX 141490 Police Car 10101114 $1,000
25
Comp Eft Term Value
Coli Eft Coli Valuation I APD Rptd
T~= Tvee
10/01113 1!l101!14 $28,000
10fDU13 10fGUi4 Actual Cashl 528,00
10101113 10/01114 .. :$24,000
10101113 1 10llJl114 1 Actual Cashl 524,00
10iOlf13 10101114 $45,000
10/01113 10/!l1114 Actual Cashl $45,00
1 (lJ01n3 1!l101l14 522,000
1010il13 10l!l 11 14 Actual Cashl 522,00
10101113 l!l101114 531,000
10101113 1OIGl114 Actual Cashl $31,00'
10l!H!13 10101114 $25,OOC
10IClltS 101(1)14 Adual Cashl 525,00
10ICtilS l!l1!l1114 525,{j!)O
10101113 10lGl114 Actual Cashl 525,00'
1!lIC1f13 l!l10!{14 525,llOC
1001113 10101114 Actual Cashl $25,00
10/01113 100 S2S,llQO
·1 (lJ01l13 'lOtO Actual Ca8hl S,25,00
10IC1!13 1Ot01114 $27,000
·1Oi01l13 1 OIC 1f14 Actual Cashl 527,00'
1 527,000
·1011HJ13 ·1 OItl 1i14 Actual Cashl 527,00
101'!H113 101'01114 527,000
10l!H113 1 OIClI 14 Actual Cashl 527,00
10101113 10101114 $27,000
1001113 l!l101114 Actual Cashl $27,00'
1!l101~ 533,GOO
1 Ol!l 11 Actual Cashl $33,00
10101113 10101114 , ~,OOO
10101J13 1 10tO 11 14 1 Actual Cashl 525,00
10101113 10IC1I14 , $40,000
10iOll13 10101114 Actual Cashl 340,00
WlO11l3 1(lJOl114 525;340
10101113 10ICll14 Actual Cashl $25,34
10101113 10101114 525,34(
11l!'01ll3 10101114 Actual (".ashl 525,34
10l01l13 10101114 $25,340
1 (lJ!l1l13 l!l1Gl!14 Actual Cashl 525,34
101!l1l13 10101114 .. $25,340
1!l101l13 10IGll14 Actual Cashl $25,34
1!l101l13 1!l1!l1114 ....... $25.340
1 OIC lf13 10IG1l14 Actual Cashl $25,.34
Unit#, Make
Ofy Year
113 Ford
1 2010
114 Ford
1 201D
115 Ford
1 2010
'116 Ford
1 2010
117 GEM
1 2011
118 Haney De
1 2012
·n9 HarleyDa
1 2012
120 Ford
1 201l
'121 Ford
1 2Q1'\
122 Ford
1 2011
123 Ford
1 2011
124 Ford
1 2011
125 Ford
1 2011
126 Ford
1 2011
127 Ford
1 2011
128 Ford
1 2012
n9 Ford
1 2011
130 Ford
1 2011
't31 Ford
1 2011
'!32 Ford
1 2011
133 Ford
1 2011
VEHICLE SCHEDULE
Continued
ModellDescriplion Department AlEIf CompDed
VIN# Vehicle Type Al Term Coli Ded
CrC'>vn Vidoria Pollce Interceptor 1()JQ11B $1,000
2F.ABP7BVM.X.141492 ?oHceCar 1()JGl114 $1,000
CrO\~m Victoria Police Interceptor 10/01113 $1,600
2FABP7BV8AXI41493 Police Car 10101114 $1,000
Crown Vidori" Police Interceptor 1()}OlIB $1,000
2FABP7SVS.AX1421813 Police-Car 1()IOli14 Sl.000
Crown Victoria Police l11tf'...fCeptof 10101IB $1,000
2FABP7BVOAXI414e.6 Police Car HlJ01l14 $1,000
E2 HlJOll13 . $1,000
TIlDLAZPARKING Extra Ught Service 10101114 Sl,OOO
idson Pilofofcye 1I11011B $1,000
1HD1FHMI9CB614537 MotCfc:~{cie WI01114 $1.000
'idsOfl Motofr.yte H}f01l13 $1,000
1HD1FHM1XCBSI466:l MolOfcyc!e 10101114 $l,GOO
Crown Victoria 10101113 $1,000
?FA.R7HV58.K166594 PoEceCar 10/01114 nooo
Crown Vlctcria HU01113 $1,000
2FABP7BV9:BX 1I'l6SE2 Police Car 10l01l14 $1,000
Crown Vldorm 10/01113 $1,000
2FABP7BV7BX166578 Police Car 10/01114 $1.000
Crown ',,!lerona: 10/01113 $1,000
2FABP78V4BXi66604 PohcoCar lOJDl114 $1.000
Crown 'V1ctorhl WIOl113 $1,000
2FABP7BVOBX166597 Police Car 10/01114 $1.000
Crown Victoria 1l13-$1.(100
2FABP78V3BX159445 ?ol~ceCar 1OJOl114 $1.000
Cro',W1: Victoria H/OlIi3 $1,000
2FABP7BV9:8X 1665% Police Car Hl!01I14 $1,000
CrotA'O \flctorla 10/0lln $1,000
2FABP7BV18X166Sg9 PuhccCar lCJ01114 $1.000
EconoHne 15 Passenger Van Non Police $1,000
1 FBSS3BL4CDB30778 Bus <20 Pass l No 10101114 $1,000
Crown Victoria Polioa 10/01113 $1,000
2FABP7BVBBX1571.75 PcEeaCar 10/01114 $HJ{)l}
Crown Victoria Police 1CIOII13 $UJOO
2FABP7BV3BX 157176 Police Car lillDl114 $1.0(J{)
Cro iAlf) V1ctorm Polica 10101113 $l,or&:l
2FABP7BVBBX157177 Pelice Car 10fOl1i4 $1,000
Crown VictoG:J Police 1(JJ01113 $1,000
2FABP7BV1BX157178 PclicaCar 10l01l14 $1,000
Crown vlctor~a Police 10101113 $1,000
2FABP7BV33X,157179 Polic:eCar 10101114 $1,000
26
CompEft Term Value
Coli Eft Coli Valuation I APD Rpld
T6,n> Tvne
.1001113 lll101!14 525,340
1 DlD1Jl3 1 !lI()!114 Actual Cash! 3:5,34
10lO1113 1!l10Vl4 S2E\340
lGlOW31 1010!l14 .Actual Cash! 325,34
10lO1f13' 11l101I14 ~S2si~Q
1DlO1l13 1 CfO !I14 Actual Cashl $25,34
10l0l113 1001114 '$25,340
1DlilU13 WlOl114 .Actual Cashl $25,34
10101113 1 0101114 $14,575
1 !Jiil 111 3 1 0101114 Actual Cash! $14,57
101!J1!13 10{01I14 522,000
H}101J13 10101114 Actual Cashl $12.00
1 010 1113 IOlO'll14 $22,000
1 Jlil 1113 1 {Y0!l14 A.ctuel Cash! $21,00
'1001113 10101114 $31,479
''''''''' '~C.'"I 531,47
10101113 101!),!1 .' $31,479
lD/Dif13 101011 "al Cash! $31A7
1001113: $31,479
lOlD1113 101G1I14 Actual Cash! 331,47
'1001113 10101114 $31A19
1DiD1HS 10/01114 Actual Cashl 331,47
1001113 ; 1DlO'1I14 $3t,479
lGIOU13 10J01l14 Aetual Cashl $31,47
13 1001n4 $;29,725
lC101113 1 !lIO 1114 Adual Cashl $29,72
10lD1113 1001114 '; $29.125
11)101113 1001114 Actual Cashj $29,72
1 OlO1f1S 1001114 $;29,7:25
100Dl113 I 1!l10!i14 aShl $29,72
1 $23,473
10/01/13 Actual Cashl S23,47
1 OlOmS $26,500
1Ci01l13 Actual cashT 526,50
[,llYR!l1~ i· " .. , .· .. ;fk~t5011
1 DlD1H3 Actual Cash! $~6,50
10liJiH3 ". $20,500
Hlf()1l13 .Actual caSh] $26,50
10l0!!!S 11llO1114 526,500
10/01113 1D10t/14 Adual Cash! $26,50
10!cl~ $26,500
1GlDUI3 4 ,.,etual Cash! $26,50
Unit# Make
Oty Year
134 Ford
1 2011
135 Ford
1 1gee.
136 ford
1 1988
137 Nj.9snn
1 2000
138 Ford
1 2004
139 Chrysler
1 :m05
140 trrtemational
1 2006
141 Ford
1 20Q9
142 GMC
1 200S
143 foro
1 2010
144 Auto Car
"1 2GB
145 freightliner
1 2013
146 GEM
1 2013
VEHICLE SCHEDULE
Continued
ModelfOescription Department AL Elf CompDed
VIN# Vehicle Type AL Term Coli Oed
Crown V¥Ctoria Police 10101113 $1,000
2F .A.BP78V28X 162583 Poli""Csr 10!01114 $1,000
Van Non Police 10101113 NA
lFMCALLUXJ214E.S21 Ugtd Truck 10101114 NA
Ranger Pick Up NOll Police 10101113 NA
1 FTZR11X6WY /.1.59706 UghtTruck 10101114 NA
Altima XE 4dr No"Poliee 1010llB NA
lN4DL01D&YC212203 Private Passenger 10101114 NA
F2~·0 Pick Up Non Police 1010\113 NA
1FTNIN21 P24EA04216 Ugtd Truck 10!lJl114 NA
300 Non Police llJlOl!13 NA
2C3JA43R75H505771 Prtva1e Passenger 10101114 NA
Trosh 10101113 NA
lHTMMAAR46H172991 H"avyTruck 10101114 NA
Crov.'n Victoria Non Police 10101113 NA
iFAH971V59X,24118 Private Passenger 101{llf14 NA.
Sl/~'€eper Sct{warze 10/0l1B NA
J8DC4W'1669700 1 079 Medium Truck 10!O 1!l 4 NA
erO'Wi) VRctorro. Non Police 10101113 NA
2fABP7BV7AX141814 PfNate Passenger 10101114 NA
ACX Garl.>age Truck 1 OlOlil 3 $1,000
5VCACR8FSDH215134 Garbage Truck 10}Oll14 $1 ,DOG
M2-106 Cran" Truck Non-Police 10/01113 $1,O®
1 FVACX5S1DHFE4262 Heav'! TruCK 10101114 51,000
2P Non-Police lC401!13 $1,000
52CG2AGA3DGOO3228 Friva!e Passenger 10101114 $1,000
* Vehicle Schedule: Total number of covered units: 139
27
CompEff Term Value
Coli Eff Coil Valuation I APD Rptd
T~rm Tvne
10101113 10101114 $20,=.00
10101113 10101114 Actual Caslil" 526,50
$0
Ni.AT
$0
NlAI
$0
N/AI
SO
~UAI
$C
NtAI
$0
N""1
SO
NIAI
" $0
NI.Al
SO
li/AI
lOllJtJ13 lOlOtJl4 $269,409
HllOlI13 10lO Adualcashl $269,40
11)/01113 1 $154,442
lG/GHi3 10lGtI14 Actual cashl $154,44
1 0f01113 1OllJtli4 313,499
10101113 10101114 fo.ctual Cashl $13,49
Total S2.129~2ru
APO SZ,729,260 Rptd
SUMMARY OF PROPOSED PREMIUMS
Premiums as Proposed: Expiring PGIT Renewal PGIT Renewal
With POL/EPL With POL/EPL
012tion I 012tion II
Property/PGIT Premium $118,293.00 $124,743.00 $124,743.00
Inland Marine/PGIT Premium 2,633.00 2,633.00 2,633.00
Crime/PGIT Premium 517.00 750.00 750.00
General Liability/PGIT Premium 33,007.00 58,992.00 58,992.00
Automobile/PGIT Premium 70,599.00 89,154.00 89,154.00
Law Enforcement/PGIT Premium 34,733.00 49,090.00 49,090.00
Public Officials Liability Premium 35,631.00 46,410.00 45,071.00
(POL) Fees 1,160.00 946.49
47,570.00 46,017.49
Employment Practices Premium Included in POL Included in POL Included in POL
Liability (EPL)
TOTAL $295,413.00 $372,932.00 $371,379.49
* Expiring Premium reflects annualized premiums on any midterm policy changes
Changes include the following:
• Property values increased from $18,963,111 to $21,514,166
Payment Option:
PGIT Package: 25% Down, 25% due at 75 days and 25% due @ 165 days
POLlEPL -Full payment at inception -Financing may be available
A 25% Minimum Earned Premium applies to the following policies:
Preferred Governmental Package
28
Quotes Subject To:
• POLlEPL -Additional detailed loss settlement information on Zoning Claim of 8/24/12
• Signed and initialed PGIT applications
• Signed PGIT UM Form and Signature Page
• Automobile procedure and policy concerning 15 passenger vans
• Sexual Abuse/Harassment policies and procedures
• Copy ofEPL Handbook
Quotation is valid until the effective date of the policy.
This proposal is based upon the exposures to loss made known to the Agency, and is for illustration only. Any changes in these
exposures (i.e., new operations, new products, additional states of hire, etc.) need to be promptly reported to us in order that proper
coverage(s) may be put into place. All physical exposures insured by our policies must be owned by the named insured. This
proposal contains only a general description of the coverage(s) and does not constitute a policy/contract. For complete policy
information, including exclusions, limitations, and conditions, refer to the policy document.
29
A.M. BEST RATING OF PROPOSED COMPANIES
COMPANY COVERAGE BEST RATING ADMITTED
Preferred Governmental Insurance Commercial Property, Crime, Not Rated Yes
Trust Inland Marine, General
Liability, Law Enforcement
Liability, Commercial
Automobile
National Union Fire Insurance Co. Public OfficiaVEPL AXV Yes
Ace American Insurance Co. Public OfficiaVEPL A+XV Yes
GENERAL RATING
These rating classifications reflect BEST's opinion of the relative Qosition of each company in
comparison with others, based upon averages within the Property-Casualty insurance industry.
They are reflective of overall company services and standing within the industry.
A++ A+***
A A-***
B++ B+**
NR'
Superior
Excellent
Very Good
Not Rated
B B-***
C++ C+***
C C~*** ,
Good
Fair
Marginal
FINANCIAL SIZE CATEGORY
The Financial Size Category is an indication of the size of an Insurer and is based on reported
Policyholders' surplus plus conditional or Technical Reserve Funds, such as mandatory
secunties valuation reserve, other investment and operating contingency funds and/or
miscellaneous voluntary reserves reported as liabilities.
($ In thousands)
Class I $ Up to $ 1,000
Class II $ 1,000 To $ 2,000
Class III $ 2,000 To $ 5,000
Class IV $ 5,000 To $ 10,000
Class V $ 10,000 To $ 25,000
Class VI $ 25,000 To $ 50,000
Class VII $ 50,000 To $ 100,000
Class VIII $ 100,000 To $ 250,000
Class IX $ 250,000 To $ 500,000
Class X $ 500,000 To $ 750,000
Class XI $ 750,000 To $ 1,000,000
Class XII $ 1,000,000 To $ 1,250,000
Class XIII $ 1,250,000 To $ 1,500,000
Class XIV $ 1,500,000 To $ 2,000,000
Class XV $ 2,000,000 To $ More
This information has been provided to you so that consideration is given to the financial
condition of our proposed carriers. The financial information disclosed is the most recent
available to Brown and Brown of Florida Inc -Miami Division.
30
COMPENSATION
In addition to the commission or fees received by us for assistance with the placement, servicing, claims
handling, or renewal of your insurance coverage's, 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. 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 business, we may receive and retain interest on premiums
you pay from the date we receive them until the date the 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: Peachtree Special Risk Brokers
This intermediary is owned in whole or part by Brown & Brown, Inc., the parent company of Brown & Brown
of Florida, Inc. 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.
Should you have any questions, or require any additional information, please contact this office at
1-800-889-0799 or if you prefer, submit your question or request online at
http://www.bbinsurance.comlcustomerinquiry.shtml.
31
PROPOSAL VARIANCE
Changes that need to be made prior to binding:
32
MINIMUM AND DEPOSIT PREMIUM
MINIMUM EARNED PREMIUM
The following terms are often misunderstood, particularly among insureds or producers not
accustomed to dealing with surplus lines insurance companies. It is important that the definitions
are understood.
MINIMUM AND DEPOSIT
This is the amount of premium due at inception. Although the policy is subject to adjustment
based on a rate per exposure unit, under no circumstances will the annual earned premium be
less than the minimum premium. Therefore, the policy may generate an additional premium on
audit, but not a return.
If such a policy is cancelled mid-term, the earned premium is the GREATER of the annual
minimum times the short rate or pro-rata factor, or the actual earned as determined by audit,
subject to a short rate penalty if applicable.
MINIMUM EARNED PREMIUM
A minimum earned premium endorsement can be attached to either a flat charge policy or an
adjustable policy. In either case, this amount is the LEAST that will be retained by the insurance
company once the policy goes into effect. The amount retained would be the GREATER of the
annual earned premium whether calculated on a pro-rate or short rate basis, or the minimum
earned premium.
FLAT CANCELLATIONS
Surplus lines insurance companies normally do not allow flat cancellations. Once the policy is in
effect, some premium will be earned.
If you need further explanation, please do not hesitate to contact us.
33
CLAIM REPORTING GUIDELINES
Make Brown & Brown, Inc. aware of any and all incidents immediately after they occur, whether
it be an auto accident, a theft, slip & fall, even a minor incident that appears will have no future
activity. Do not wait for a police report.
Gather as much concrete information as possible. For example, police reports, company incident
reports, conversation logs, medicals and pictures -anything that may assist in the handling of
your claim. Send this information either by mail, e-mail or fax to:
Brown & Brown of Florida, Inc. -Miami Division
Alexandra Sarria, Commercial Claim Specialist
14900 NW 79 Court, Suite 200
Miami Lakes, FL 33016
Phone: (305) 364-7812
Vn ..... {'ll\~\ "71 A A AI\1
-.L' UA. \ -' \1....,} 1..1. .,.-.,. .... "..1.
E-Mail: ASarria1@bbmia.com
If you have any questions or incur any problems, please contact our office and we will be glad to
assist you in any way we can.
34
DEFINITIONS
35
Coinsurance
Agreed Value
Replacement
Cost & Actual
Cash Value
Inflation Guard
Coverage
Extensions &
Additional
Coverages
Basic Form
Broad Form
Special Form
PROPERTY DEFINITIONS
Most building and business personal property policies have a coinsurance clause,
which requires the insured to carry insurance equal to at least a specified
percentage of the actual cash value of the property. If a loss occurs, and it is
determined that the amount of insurance carried is less than the amount required, a
penalty could be placed on the insured. (Example Attached)
When the agreed value option is used the coinsurance requirement is removed and
the insurer agrees to cover losses for its agreed value. As an example, the insured
has property insured for $100,000 and the agreed value is also $100,000, if a loss
occurs, any loss up to $100,000 is covered 100%. When this option is used the
insured and the insurance company agree on the value of the property before the
policy is issued. This option is usually assigned to one-of-a-kind property.
Property can be valued in several different ways. Insurance companies commonly
use two approaches to determine value, which also determines how a loss will be
paid: the replacement cost method and the actual cash value method. Insurers
consider replacement cost of a property item to be the cost to replace it with new
property of like kind. Actual cash value is replacement cost, minus the
accumulated depreciation for age and condition.
An insured can insure a building for its full value at the beginning of the policy
year, but at the end of the year, it might not be covered for its full value. This
problem can be corrected by adding inflation guard coverage. With inflation
guard, the policy limit increases gradually during the policy term so that the total
increase amounts to the desired percentage increase at the end of the poiicy term.
In addition to the limits stated in the Building and Personal Property coverage
form, the policy has a coverage extensions section and an additional coverages
section. The coverage extensions section provides limited coverage for newly
acquired or constructed property, property of others, certain out door property,
and the cost of research and reconstruct information on destroyed records. When
coverage is placed on the all risk form, two additional extensions are added for
property in transit and coverage for certain repair costs related to damage caused
by water. The two additional extensions are covered by certain perils only. The
additional coverage section provides coverage for indirect losses that result from a
direct loss. The coverage applies to removal of debris, preservation of property,
fire department service charges and pollutant cleanup and removal. The coverage
extensions and the additional coverages have limitations and are subject to certain
conditions.
Fire, lightning, explosion, windstorm or hail, smoke that causes sudden and
accidental loss or damage, aircraft or vehicles, riot or civil commotion, vandalism,
sprinkler leakage, sink hole collapse and volcanic action.
Fire, lightning, explosion, windstorm or hail, smoke that causes sudden and
accidental loss or damage, aircraft or vehicles, riot or civil commotion, vandalism,
sprinkler leakage, sink hole collapse, volcanic action, glass breakage, falling
objects, weight of snow, ice, or sleet, and water damage (accidental discharge or
leakage).
Excluding flood and earthquake.
36
EQUIPMENT BREAKDOWN DEFINITIONS
Definition of Equipment Boiler & Machinery insurance covers direct damage to
Breakdown Coverage (Boiler & covered property when caused by a covered cause of loss.
Machinery) Covered property is any property that is owned by the named
insured or is in the named insured's care, custody or control
and for which the named insured is legally liable. A covered
cause of loss is a sudden and accidental breakdown of the
insured's boiler & machinery equipment or any part of the
equipJIlent described in the policy.
Expediting Expense Which pays the reasonable extra cost incurred to expedite
progress after a loss
Automatic Coverage Covers accidents to objects at newly acquired locations for up
to ninety days after the named insured acquires the property.
37
GENERAL LIABILITY DEFINITIONS
Premises/Operations
Products/Completed Operations
Personal Injury
Advertising Injury
Medical Payments
Fire Damage
Coverage is provided for damages arising out of ownership or
occupancy of the insured premises when maintained in a
reasonable manner. This also covers damages arising out of
operations performed by the insured business.
Products coverage is provided for damages arising out of
products manufactured, sold, handled or distributed by the
insured. Completed Operations covers damages occurring
after operations have been completed or abandoned, or after
an item is installed or built and released for it's intended
purpose.
Personal Injury means Injury other than bodily injury.
Coverage is provided for injury resulting from offenses such
as false arrest, malicious prosecution, detention or
imprisonment, the wrongful entry into, wrongful eviction
from and other acts of invasion, or rights of private
occupancy of a room. Coverage for libel and slander is also
provided in the policy.
This coverage pays for damages done in the course of oral or
written advertisement that disparages, libels or slanders a
person's or organization's goods, products or serVices.,
Coverage for these offenses is provided under advertising
injury coverage only if they occur during the course of
advertising the named insured's own goods, products or
services.
Medical Payments coverage pays medical expenses resulting
from bodily injury caused by an accident on premises owned
or rented by the insured, or locations next to such property, or
when caused by the insured's operations. These payments are
made without regard to the liability of the insured.
The fire damage limit provides coverage for fire damage
caused by negligence on the part of the insured to premises
rented to the named insured. If a fire occurs because of
negligence of the insured and causes damage to property not
rented to the insured, coverage would be provided under the
occurrence limit.
38
GENERAL LIABILITY DEFINITIONS
Continued ...
Contractual Liability Extends your coverage to liability assumed under contract, applies
to both oral and written agreements relating to named insured's
business.
Host Liquor Liability Covers your exposure for serving liquor to clients or employees at
company parties. Applies only to fIrms not engaged in business of
selling or serving alcoholic beverages.
Broad Form Property Damage Intended for fIrms, which perform work or services, rather than sell
Coverage or produce products. Usually intended for construction
contractors, repairers of automobiles, installers of property.
Incidental Medical Malpractice Extends term "bodily injury" to mean injury arising out of
rendering of or failure to render, during the policy period; medical,
surgical, dental, x-ray, or nursing services, or furnishing of food or
beverages in connection therewith or the dispensing or furnishing
drugs or medical, dental or surgical supplies
N on-Owned Watercraft (Under 26 feet in length) Provides coverage for liability, which
Liability Coverage arises from any watercraft as long as watercraft is not owned by
insured nor being used to carry persons or property for a fee.
Limited Worldwide Coverage Intended to extend the scope of "policy territories" to anywhere in
the world. Limited to the activities of any insured who is
domiciled in the United States and the original suit for damage is
brought within the United States, its territories, possessions, or in
Canada.
Extended Bodily Injury Amends defInition of occurrence to; includes any intentional act by
Coverage or at the direction of the insured, which results in bodily injury, but
only if such bodily injury results from the use of "reasonable"
force for purposes of protecting persons or property.
Newly Acquired Organizations Automatic protection for newly acquired organizations until the
new organizations is specifIcally added to the policy or 90 days,
whichever occurs fIrst.
Additional Persons Insured Includes as insureds; (1) Any spouse of a partner concerning
business activities of the partnership and (2) any employee of the
named insured while acting within the scope of his or her duties.
Does not apply to bodily injury or personal injury sustained by a
fellow employee which occurs during the course of employment.
Claims Made Form Only This coverage is provided automatically without an additional
premium charge if coverage is canceled, not renewed, or the
insurer renewal with a later retroactive date. The basic extended
reporting period starts at the end of the policy period and last for
fIve years for claims made against the insured within the fIve year
period and reported to the insurer within 60 days after the end 0 f
the policy period.
39
UNDERSTANDING THE CLAIMS-MADE POLICY
The claims-made insurance policy provides financial protection for all claims presented during
the current policy year, providing the claim occurred after the prior acts date.
To understand the claims-made policy, we will define:
Current Policy Year:
The policy year begins on the effective date shown on the policy and expires on the expiration
date all shown on the policy. The policy's effective and expiration dates ch'J,llge with yearly
renewal of the policy. The prior acts or retroactive date remains the same, so you are protected
for incidents that occurred prior years by the current policy.
Prior Acts or Retroactive Date:
This is the date (shown on your policy) that dictates if a claim is eligible to be covered. Any
claim occurring after this date, presented during the current policy year, are eligible for coverage
by your current policy.
Supplemental Extended Reporting Period (Tail Coverage):
Should the policy be canceled or non-renewed, you are entitled to purchase insurance protection
for any claims which may be after the cancellation date. The premium charged for this insurance
is based upon the number of years you have been insured (prior acts years) and the limits
purchased.
40
AUTOMOBILE DEFINITIONS
Liability Coverage The liability coverage of the commercial auto policy provides
protection against legal liability arIsmg out of the ownership,
maintenance, or use of any insured automobile. The insuring
agreement agrees to pay damages for bodily injury or property damage
for which the insured is legally responsible because of an automobile
accident resulting from the ownership, maintenance, or use of a
covered auto. The insuring agreement also states that in addition to the
payment of damages for which the insured is legally liable, the insurer
also agrees to defend the insured for all legal defense cost. The
defense cost is in addition to the policy limits.
Owned Automobiles Covers the liability arising out of the ownership, maintenance or use of
automobiles.
Personal Injury Coverage is included for vehicle passengers under No-Fault Law
Protections .. prOVISIons.
Medical Payments The insuring agreement states that the insurer will pay all reasonable
Coverage and necessary medical and funeral expenses incurred by an insured
because of bodily injury caused by an accident. The insured is the
named insured, the insured's employees and guests, and any other
person occupying a covered auto. These payments are made without
regard to fault.
U ninsured/U nderinsur Protects insureds who are not contributorily negligent against bodily
ed Motorists injury caused by negligent under insured or uninsured drivers and hit-
and-run motorists.
Hired Automobiles Covers the liability for the use of hired automobiles in your business.
Non-Owned . Covers the liability for the use of non-owned automobiles in your
Automobiles business. An example would be an employee using his own car on an
errand for you.
Comprehensive Pays for loss of or damage to automobiles from perils other than
collision.
Collision Pays for loss of or damage to automobiles from collision with another
object or upset.
Rental The business auto policy provides a coverage extension if an auto is
Reimbursement insured for comprehensive or specified cause of loss coverage, which
insures against loss 0 f use of a covered auto only if the auto is a private
passenger type auto and is stolen. The coverage extension pays up to a
daily limit of $10 and a maximum limit of $300. Payments begin
forty-eight hours after the theft and ends when the insured auto is
returned or when the insurer has paid the insured for the auto. For
broader coverage, the insured can pay an additional premium for rental
reimbursement coverage. Rental reimbursement pays the cost of
renting a substitute auto for replacement of any covered auto that has
suffered a covered loss. The daily and maximum limit for this
coverage varies among insurers.
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1
2
3
4
5
COVERED AUTO DESIGNATION SYMBOLS
Any "Auto" 6
Owned "autos" only. Only those 7
autos you own (and for liability
coverage any trailers you don't own
while attached to power units you
own.) This includes those "autos"
you acquire ownership of after the
policy begins.
Owned Private Passenger "Autos" 8
Only. Only the private passenger
"autos" you own. This includes
those private passenger "autos" you
acquire ownership of after the policy
begins.
Owned "Autos" other than private 9
passenger "autos" only. Only those
autos you own that are not of the
private passenger type (and for
liability coverage any "trailers" you
don't own while attached to power
units you own.) This includes those
autos not of the private passenger
type you acquire ownership of after
the policy begins.
Owned "Autos' subject to No-Fault.
Only those "autos" you own that are
required to have No-Fault benefits in
the state where they are licensed or
principally garaged. This includes
those "autos" you acquire ownership
of after the policy begins provided
they are required to have No-Fault
benefits in the state where they are
licensed or principally garaged.
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Owned "autos" subject to a compulsory
uninsured motorists law. Only those
"autos" you own that because of the law
in the state where they are licensed or
principally garaged are required to have
and cannot reject Uninsured Motorists
coverage. This includes those "autos"
you acquire ownership of after the
policy begins provided they are subject
to the same state uninsured motorists
requirement.
Specifically Described "autos". Only
those autos described in ITEM THREE
of the Declarations for which a
premmm charge IS shown (and for
liability coverage any "trailers" you
don't own while attached to any power
unit described in ITEM THREE.)
Hired "Autos" Only. Only those autos
you lease, hire, rent or borrow. This
does not include any "auto" you lease,
hire, rent or borrow from any of your
employees or partners or members of
their households.
Non-Owned "Autos" Only. Only those
"autos" you do not own, lease, hire, rent
or borrow that are used in connection
with your business. This includes
"autos" owned by your employees or
partners or members oftheir households
but only while used in your business or
your personal affairs.
Employee Dishonesty
Forgery or Alteration
Theft, Disappearance &
Destruction
CRIME DEFINITIONS
Employee dishonesty is considered to be a criminal act
committed by an employee acting alone or in collusion
with others. There must be intent by the employee to cause
the employer a loss and to obtain a financial benefit for the
employee or someone else. Coverage is provided for
dishonest acts of employees of the named insured only.
Coverage insures against loss of money, securities, and
property other than money and securities. The blanket
form provides coverage for dishonest acts of all employees.
The limit for blanket coverage applies per loss, regardless
of how many employees are involved. The scheduled form
provides coverage only for the dishonest acts of employees
specifically listed in the policy. On the scheduled form, a
separate limit applies to each employee listed on the
schedule.
Forgery is generating a document or signature that is not
genume.
Alteration is changing a document m a manner that IS
neither authorized nor intended.
This form insures against loss caused by the forgery or
alteration of a covered item drawn against the insured's
accounts. A covered item might be a check, draft,
promissory note, bill of exchange or similar instrument.
Theft means any act of stealing.
Disappearance is unknown causes of loss. Disappearance
lacks the elements of knowing if the crime was a theft,
burglary or robbery.
Destruction is the loss of certain property, it is usually the
result of another cause of loss.
Section (1) of the form covers money and securities
against loss by theft, disappearance, or destruction inside
the premises. Section (2) covers money and securities
outside the premises in care and custody of a manager.
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PREFERRED GOVERNMENTAL INSURANCE TRUST
"Preferred"
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
secure such a quote.
• Coverage is being placed through Preferred Governmental Insurance Trust ("Preferred"), which is as a
Florida local government self-insurance fund established pursuant to Section 624.4622, Florida Statutes, as
such Preferred is not rated by the A.M. Best Company.
• Preferred 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 Preferred may change rapidly and that such changes are beyond the control of
Brown & Brown.
• You should review the financial and membership information from Preferred and agree to abide by the
conditions of membership established by Preferred.
• You should consider the information provided, including the Preferred coverage quote and coverage
placement and review it with your accountants, legal counsel and advisors.
By: [NAME OF AUTHORIZED REPRESENTATIVE OF INSURED]
Named Insured:
Policy Number:
Policy Period:
Date of Notice:
City of South Miami
PKFLl01320211204
10/01113 TO 10/01114
09126/2013
* 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
44
Insured: Ci~ of South Miami Policy Term Date: 10/01/13-14
Correction: Addl 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 E C Q
PROPERTY YIN YIN YIN LIABILITY YIN YIN YIN
Buildings General Liability
Business Personal Property Directors' & Officers' Liability
Personal Property of Others E Commerce/E-Business Liability
Tenants Betterments & Improvements Employee Benefits Liability
Business Income Liquor Liability
Extra Expense Employment Related Practices Liability
Leaseholders Interests Third Party Discrimination
Boiler & Machinery (Equipment Breakdown) Errors or Omissions Liability
Building Ordinance or Law Owners/Contractors Prot Liability
A. Loss to Undamaged Portion of Bldg Pollution Liability (1 S Party)
B. Demolition Cost Pollution Liability ( 3ra Party)
C. Increased Cost of Construction Products Liability
Earthquake Product Recall
Rental Income Professional Liability
Difference in Condition Warehouse Legal Liability
Flood (Primary) Watercraft Liability
Flood (Excess) UmbrellalExcess Liability
Wind INLAND MARINE
Off Premises Power Interruption Accounts Receivable
Overhead Transmission Lines Valuable Papers
Glass Bailee Coverage
Spoilage ComputerlEDP
AUTOMOBILE Contractors Equipment
Auto Liability Signs
Auto Physical Damage
Drive Other Car Liability Installation Floater
Drive Other Car Physical Damage Mobile Equipment
Hired/Non Owned Liability RentedlLeased Equipment
Hired Car Physical Damage Motor Truck Cargo
PIP: Ext Additional, Broad Transit/Transportation
Rental Reimbursement (PPT) Builders Risk / COC
Rental Reimbursement (Com. Vehicle) Ocean Cargo
Uninsured Motorist (Primary) WORKERS' COMPENSA nON
Uninsured Motorist (Excess) Workers Compensation
Garage Liability Other States
Garage keepers Liability USL&H
Garage Dealers Physical Damage Jones Act
Truckers Liability Stop Gap Liability
Un-laden Liability Excess Employers Liability
Truckers Physical Damage AIRCRAFT
Trailer Interchange Aviation-Owned
CRIME Aviation -Non-Owned
Em210yee Dishonesty (1 st Party) MISCELLANEOUS
Employee Dishonesty (3rd Party) IntemationallF oreign Exposures
ERISA Bond Kidnap & Ransom
Forgery or Alteration Travel Accident
Fiduciary Liability Credit Insurance
Money & Securities MoldlFunEi
BONDS EIFS
Bonds Terrorism
(describe) Subsidence
This list of insurance coverage is for information purposes only and is not meant to be a complete list for all your insurance needs. The above analysis is based
solely on information provided by the client.
Insured Representative Date -Place Completed with Insured
Brown & Brown Representative Signature Comments: (may be continued on reverse)
Prepared by Brown & Brown Insurance -Rev 01.01.11
45