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2~ South ~Miami crlY OF SOUTH MIAMI OFFICE OF THE CITY MANAGER INTER-OFFICE MEMORANDUM T H E C ITY OF PL EASANT LI V ING To : FR O M : D AT E: SUBJECT: BACKGROUND: Th e H o norabl e M ayor & M embe rs o f th e Ci ty Commissi o n St e v e n Al exa nd e r, C ity M an age r A ge nd a Item N O .:~ September 15, 201 5 WORKER'S COMPENSATION, PROPERTY, GENERAL liABILITY, AUTOMOBILE, PUBLIC OFFICIALS AND EMPLOYMENT PRACTICES INSURANCE The City solicited and received proposal s for the City's Workers' Compensation, Property, General Liability Automobile, Public Official s and Employment Practices Insurance coverage for FY 2015-2016 from carriers currently writing municipal busines s in South Florida. The following table summarizes the responses received . FMIT INSURANCE DESCRIPTION Property Coverage Inland Marine Equipment Breakdown Coverag e Crime and Bond Coverage Gene ral Liability Coverage Police Professional Liability Coverage Automobile Coverage FMIT Property, Auto and General Liability SubTotal Workers Compensation FMIT Total Premium FMIT $142 ,150 Included Included Included $59,575 $156,330 $93,098 $451,153 $186,124 $637,277 THE CITY OF PLEASANT LIVING CITY OF SOUTH MIAMI OFFICE OF THE CITY MANAGER INTER-OFFICE MEMORANDUM PGIT INSURANCE DESCRIPTION Property Coverage Inland Marine Equipment Breakdown Coverage Crime and Bond Coverage General Liability Coverage Police Professional Liability Coverage Automobile Coverage PGIT Property, Auto and General Liability SubTotal Workers Compensation PGIT Total Premium PGIT $120,049 $836 Included $750 $88,993 $66,022 $123,238 $399,888 $188,764 $588,652 PUBLIC OFFICIALS & EMPLOYMENT PRACTICES LIABILITY In addition to the package quotations summarized above, the City received an independent quote for its Public Officials & Employment Practices liability coverage, Both FMIT and PGIT declined to quote this line of coverage. ACE American Insurance Description Total Premium Limit of Liability $1,000,000 Deductible/SIR Each Claim: Public Officials/Public Entity Liability -$100,000 Employment Practices Liability -$150,000 Zoning Claims -$250,000 $50,887 THE CITY OF PLEASANT LIVING CITY OF SOUTH MIAMI OFFICE OF THE CITY MANAGER INTER-OFFICE MEMORANDUM Recommendation: Workers' Compensation Policy After further negotiations within the last week, we were able to reduce the original FMIT proposal by $13,455. The City Manager recommends that the City renew its Workers' Compensation policy with FM IT for a total premium of $186,124. 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 an additional 2% credit for its newly created Safety Policy. This year's renewal represents a decrease of approximately 13% over last year's premium. Property, General Liability and Automobile Insurance The City Manager recommends that the City renew its policy with PGIT for its Property, General Liability and Automobile Insurance coverage for a total premium of $399,888. This represents an increase of approximately 3.8% over last year's premium. This increase is largely attributable to the addition of several new vehicles to the City's inventory. As set forth above, the PGIT proposal contains the most favorable rates for these lines of coverage and offers a two year rate guarantee. Public Officials and Employment Practices Liability The City Manager further recommends that the City renew its policy with ACE American Insurance Company for the Public Officials and Employment Practices Liability policy for a premium of $50,887. THE CITY OF PLEASANT LIVING AMOUNT: AnACHMENTS: CITY OF SOUTH MIAMI OFFICE OF THE CITY MANAGER INTER-OFFICE MEMORANDUM The breakdown of the total premium costs for all lines of insurance is set forth below: FMIT WORKERS' COMPENSATION PGIT GENERAL liABILITY, PROPERTY & AUTOMOBILE ACE PUBLIC OFFICIALS AND EMPLOYMENT PRACTICES TOTAL PREMIUM Proposed Resolutions Proposal Package from FMIT Proposal Package from Brown & Brown Actual FY 2014- 2015 $214,533 $385,086 $49,136 $648,755 Proposed FY 2015- 2016 $186,124 $399,888 $50,887 $636,899 1 RESOLUTION NO. ____ _ 2 A Resolution authorizing the City Manager to purchase Property, Crime, 3 Inland Marine, General Liability, Law Enforcement Liability, Automobile 4 Liability, and Automobile Damage Insurance. 5 WHEREAS, the City, through its Agent of Record, Brown & Brown, has received 6 insurance quotes for Property, Crime, Inland Marine, General Liability, Law Enforcement 7 Liability, Automobile Liability, and Automobile Damage Insurance. 8 WHEREAS The City renewal quote from PGIT for the continuation of the existing 9 coverage provides the best coverage options to meet the City's existing needs; 10 WHEREAS, the City Administration recommends that the City continue coverage with 11 the PGIT for Property, Crime, Inland Marine, General Liability, Law Enforcement Liability, 12 Automobile Liability, and Automobile Damage Insurance Coverage for the 2015-2016 Fiscal 13 Year based upon the current proposal; 14 NOW THEREFORE BE IT RESOLVED BY THE MAYOR AND CITY 15 COMMISSION OF THE CITY OF SOUTH MIAMI, FLORIDA THAT: 16 Section I. The City Commission hereby authorizes the City Manager to execute the 17 renewal insurance policy for Property, Crime, Inland Marine, General Liability, Law 18 Enforcement Liability, Automobile Liability, and Automobile Damage Insurance with 19 PGIT for the 2015-2016 Fiscal Year. 20 Section 3. This resolution shall take effect immediately upon adoption. 21 PASSED AND ADOPTED this __ day of ____ " 2015. 22 23 24 ATTEST: APPROVED: 25 26 27 28 CITY CLERK MAYOR 29 30 31 READ AND APPROVED AS TO FORM, COMMISSION VOTE: 32 LANGUAGE, LEGALITY AND 33 EXECUTION THEREOF: Mayor Stoddard: 34 V',ce Mayor Harris: 35 Commissioner Welsh: 36 Commissioner Liebman: 37 CITY ATTORNEY Commissioner Edmond 38 Departmenl of Insurance and Financial Services PROPERTY COVERAGE Real & Personal Property Electronic Data Processing: Equipment: Software: FLORIDA MUNICIPAL INSURANCE TRUST Proposal for 2015-2016 City of South Miami Limit $23,108,606 Equipment Breakdown: Included in Contents Included in Contents Included in Contents Coinsurance: Valuation Basis: Coverage Form: Deductibles: 80% Replacement Cost Special $5,000 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 are 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 per occurence Business Income waiting period is 72 hours, Note Values rated at 80% of Total Insured Values. PROPERTY COVERAGE EXTENSIONS: );-Excess Flood Coverage o Flood Zones A & V deductible is excess of NFl? ($500,000 per building) o Other Flood Zones -$100,000 deductible per occurrence » Terrorism » 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 );> Accounts Receivable );> Police Dogs & Horses o Death in line of duty o Annual Maximum » Electronic Data Processing Equipment (Software) » Antiques & Objects of Art o Per Item o Annual Maximum » Off Premises Power Failure » Pollutant Crean Up & Removal » Fungus Clean Up & Removal » Personal Property 6ft Premises );> Personal Property of Others » Preservation of Property ):> Service Interruption Coverage ):> Property In Transit ):> Recertification of EquipmenUFire Extinguisher Recharge ):> Debris Removal ):> Building Ordinance Coverage, Including Demolition ):> Property in the Open ):> Leasehold interest ):> Arson Reward 2 $4,500,000 $5,000,000 $2,000,000 $500,000 $500,000 $1,000,000 $500,000 $25,000 $10,000 Maximum $500,000 $15,000 $30,000 $250,000 $15,000 $250,000 $100,000 $100,000 $25,000 $250,000 $50,000 $100,000 $100,000 $250,000 $250/Day 25% of Loss 25% of Loss $25,000 Per Location/$100,OOO Aggregate $100,000 $5,000 INLAND MARINE COVERAGE: BLANKET INLAND MARINE EOUIPMENT -Items $15,000 or Less Limit: Deductible: $500 Blanket Inland Marine coverage is defined as: Coverage for all unscheduled Inland Marine equipment, Emergency Portable Equipment and Communications Equipment valued at $15,000 or less is subject to $500 deductible. (Note: All Watercraft must be scheduled.) Coverage Basis: Actual Cash Value 3 $1,000,000 EQUIPMENT BREAKDOWN COVERAGE Subject to any applicable limits on the Property, Allied Lines and Crime Declarations, the Equipment Breakdown Limit is the mosl we will pay for loss or damage arising from any "one accident." These coverages apply to all locations covered on the policy, unless otherwise specified. I. Coverages Equipment Breakdown Business Income Extra Expense Expediting Expense Hazardous Substances Spoilage Data Restoration "Fungus," Wet Rot, Dry Rot And Bacteria Service Interruption" Water Damage II. Deductibles Direct Coverages Indirect Coverages III, Other Conditions Limits Subject to the Real and Personal Property Urn it described in proposal or $50,000,000, whichever is less. Subject to the Business Income Limit described in proposal. Subject to the Extra Expense Limit described in proposal. $1,000,000 $500,000 $500,000 $500,000 $25,000 Subject to Business Income, Extra Expense, and Spoilage Limits Included in Property Coverage. Subject to the Real and Personal Property deductible described in proposal. Subject to the Time Element deductible described in proposal. "Unless the interruption exceeds 24 hours, we will not pay for any loss under Service Interruption. "Covered equipment" does not include "electrical generating equipment"; however, this exclusion does not apply to emergency generators. 4 GENERAL LIABILITY COVERAGE Comprehensive General Liability Limit Per Occurrence: Annual Aggregate: Deductible: Police Professional liability Limit Per Occurrence: Annual Aggregate: Deductible: Limits $1,000,000 Unlimited $0 Limits $1,000,000 Unlimited $0 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: » Defense Costs paid in addition to policy limits };> Premises Operations };> Products/Completed Operations );> Contractual Liability (Designated Contracts Only) };> Owners & Contractors' Protective Liability };> Personal Injury LIability };> Host Liquor Liability };> Incidental Medical Malpractice Liability };> Watercraft Liability };> Fire Legal Liability -Maximum $500,000 in anyone Trust Year };> Broad Form Property Damage -Maximum $500,000 in anyone Trust Year );> Advertising Injury Liability );> Skate F adrity liability };> Employment Practices Liability };> Employee Benefits Program Administration Liability };> Extra Contractual Legal Expense -$100,000 Aggregate Limit o (EEOC, Florida Commission on Human Relations, Ethics) » No-fault Sewer Backup Expense -$100,000 Aggregate Limit » Crisis Intervention » HR Helpline -Full Legal Support and Online Services » Herbicide/Pesticide Spraying a Limit is the General Liability limit or $1,000,000 aggregate per fund year, whichever is the lesser amoun1. » Bert Harris AcVlnverse Condemnation -$300,000 Limit Per Occurrence/Aggregate. Limit includes Defense Costs. o Deductible is $5,000 or the policy deductible, whichever is greater. » Cyber Coverages including Privacy, Network Security and Data Breach -$250,000 Annual Aggregate. Claims Made. » Cyber Risk Management Tools Web Site. 6 AUTOMOBILE COVERAGE Comprehensive Automobile Liability Deductible: Personal Injury Protection Deductible: Automobile Physical Damage Comprehensive Coverage Limits $1,000,000 $0 $10,000 $0 $1,000 Deductible Collision Coverage $1,000 Deductible Note: "Vehicles with $0 value on schedule provided were not included in the quote for APD." Coverage Includes: ~ Hired & Non-Owned Liability ~ Rental Reimbursement -scheduled vehicles }> Lease Differential -scheduled vehicles }> Limited Replacement Cost -owned private passenger vehicles, SUVs, Pickup Trucks }> Member's Personal Effects 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 Liabilitv and I or Automobile Liabilitv. 7 CRIME & BOND COVERAGE Bond Coverage: Employee Theft -Per Loss Faithful Performance -Per Loss Finance Director Deductible: Deductible: Deductible: 8 Limits $100,000 $1,000 $100,000 $1,000 $100,000 $0 PREMIUM SUMMARY Coverage Line Annual Premium Real & Personal Property $142,150 Inland Marine INCLUDED Equipment Breakdown Coverage INCLUDED Crime & Bond Coverage INCLUDED General Liability Coverage $59,575 Police Professional Liability $156,330 Automobile Coverage $93,098 Total Premium $451,154 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. 9 INTEREST FREE INSTALLMENT PLAN First Installment Second Installment Third Installment Fourth Installment 25% minimum due 25% minimum due 25% minimum due 25% minimum due October 1,2015 January 1,2016 April 1, 2016 July 1, 2016 Payment will be forwarded to the Florida League of Cities in Tallahassee 10 INSURANCE PROPOSAL SUBMITTED ESPECIALLY FOR: CITY OF SOUTH MIAMI POLICY TERM: I 0/01 115 TO 10/0111 6 DATE OF PRESENTATION: ()9!14/15 PRESENTED By: ROBERT HOLLANDER EXECUTIVE VICE PRESII)ENT 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 individual 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. We have insurance professionals who specialize in evaluating and protecting your personal assets -home, auto, watercraft and life. We also have an experienced employee benefits department who can assist you with group health, disability, life and dental. 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 proposal contains only a general description of the coverage(s) and does not constitute a policy or contract. Please refer to your policy for the actual terms and conditions. In the event of a difference, the policy will prevail. Policy forms are available upon request. This Proposal is based upon the exposures made known to this Agency; any changes in these exposures should be reported promptly to Brown & Brown of Florida, Inc. 2 ACCOUNT SERVICING TEAM Robert Hollander Executive Vice President 305-364-7818 rhollander@bbmia.com Nancye Batista, AAI Account Manager 305-364-7816 nbatista@bbmia.com Alexandra Sarria Claims Representative 305-364-7812 asarria1@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 T ABLE OF CONTENTS I. Marketing Efforts II. Schedule of Named Insureds III. Coverage Sections o Property o Inland Marine o Crime o Commercial General Liability o Law Enforcement o Commercial Automobile o Public OfficiallEmployment Practices Liability IV. Summary V. Illustrations and Definitions 4 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. 5 PROPOSED PROPERTY COVERAGE Insurer: Preferred Governmental Insurance Trust Location of Premises: Per Schedule Attached Description of Property: Blanket Building & Contents Limit, per attached schedule $22,690,710 Values Insured are Ultimately Chosen by the Client. In view a/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 EarthquakelEarth Movement Coinsurance: Building & Personal Property: NI A Valuation: Replacement Cost Flood Limit: Per Occurrence and Aggregate: $1,000,000 Excess of NFIP Whether Purchased or Not 6 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 Depmtment 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 7 Coverage $ 250,000 $ 100,000 $ 1,0001$5,000 $ 500,000 $ 250,000 $ 500,000 $ 55,000 $ 25,000 $10,0001$20,000 $ 25,000 $ 2,000,000 $25,0001$50,000 $25,0001$50,000 $ 250,000 $ 10,000 $ 100,000 $ 250,000 $ 250,000 $ 0 PROPOSED PROPERTY COVERAGE Continued ... Deductible: All Other Perils: Named Windstorm: Flood: Coverage Enhancements: Boiler & Machinery $ 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 of NFlP, whether purchased or not $22,690,710 NOTE: Detached walls, fences, radio and TV antennas, trees, shrubs, plants free-standing property improvements such as athletic equipment, windscreens, lightpoles, 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: • EarthquakelEarth Movement • Terrorism • Electronic Data • Electronic Date Recognition • Asbestos • Pollution • Fungus • War, Nuclear • Ordinance or Law -Limited per Extensions of Coverage Note: The PGIT property program is a shared limit. The limits purchased are a per occurrence limit and in the event an occurrence exhausts the limit purchased by PGIT on behalf of the members, payment to you for a covered loss will be reduced pro-rata based on the amounts of covered loss by all members affected by the occurrence. 8 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. Buildin~ 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. 9 SCHEDULE OF COVERED PROPERTY unn. De<mpn~ y ......... En'_1 IIUIICJ1n8 Value 'faullMured Yarue ,......, Tenn ~l {0I\b!nts value <on>tType RoolShapeo I Roo'PUd> Rcof CcweQ'IjJ CDV81f)j ~ed I Roof Yr Btt AlIItD Inspection 'i-tation , ... 10101 1201'S , ...... 00' !OW] S.W. 70th Street '#.00< SOUTH MIAMI, FL ])H3 10101/21)17 $I: 111 -MNC Flat I Flat TM MId cnvel I I eM hI!<iIid stMt C::tiIter ,.,. 101011"2015 ,.", .WI 001 6125 SW 68 STREET $476,61 500TH MIAMI, fL J1Hl 1010117017 $5 .... 11'9 -JM Flat I "'t 1IU11t up roofw/wt !I~~_ J PubUc Worn: Of lice Duiding ,-10/0112015 $2:I',l'OO 001 4n!i S.W. lSth Annue $2U,51 'SOOlll.MlAMI. fL 31143 10/0112017 $7.111 117--1\1 lOp I UlW « 10) Tar and Orave{ I I ~eJ~ Pool Office ,,.. 10fa1l201~ $54 .... 004 ~ S.W. 75thA'I'eoot! '''.00< :souTH J.UAMI. n llHl 111 • FR 10/01/2011 $0 n.t I Flat Built-upTadk om-et I I :solid W'aite-BId§ -!i Bil}' 5bop n .. 10/011101; ""~" <J'l5 ~ S.W. 75ttiAwnue $115,15 SOUTH MIAMI, FL 11l'O 10/01/1017 $I: U2·ttc: ""'" I LOw « 10) Tar BId GRvft I I my ...... ,,.. 10/0112015 ,5«1."" 00. ~ s.. W. 75Ui AY'8ItJe _.§IX SOUTH """""'I, FL 31t-43 10/01/2017 S< tH -,AUK "'" I LOw (c 1D) .,.,""' ....... I I 0""_""'" 10/01/2015 '''.000 007 4ns s.. W. 7!>tl1 AVenue $12:1,26 SOUTH MIAMI, fl.3-3,"} 10/011:2017 Sst,'l6 11'1 -IN. """"""" I ..... ""'" -I I police stOr.1¥ IIldg , ... 1011Jtn01~ '".''''' 00. ..-m S.W. 75th AVl'fIlJe '".'" sot/TH JoUAMJ, fl. .llHl 1010HZ017 $0 11' -1M flat I Flat Buitt-t4J TM 6. Gr.lYet I I ....... " F~Partt Tennis Pro:Shop a Restroom ~ '007 10/01/Z01~ S ...... "". 1600 RED ROAD $'5o,U SOUTH Mi.AM1, Fl.1IH] 131-FR 10101/2017 $I: F1at I "', 8uilt..up Tar a Ol1i1vet I I Dante B. F~I PiIl't. -2 ~ 10/01n01'So 165 .... .t. 3600 RED ROAD '".''''' SOUTH J.U.AM.I, A. llHl 10/0'1/1011 " 152 -NC ......... I AIIi!dDm (1010 10) Asph;llt Shln!lf!' I I 10 unit .. 0 .. .,. on 014 ." 016 ." .11 ... <no SCHEDULE OF COVERED PROPERTY Continued ~-Ye-. Suitt "'.-I ... """'v ..... Add~ Term Dat~ contents value Roof Shape I Roof PItch ComtTy .. R"'" c.m..", I CDftflnjI ~I;aCHI Dante 8. rasaU Part ·6 liM Tru Tennis Courts ($.6,§OO 10/01/2015 $123,,", ....-_~~., ,~...I • ..L.A\ .... lIE) ""'" SOOTH J.U.AMI, fL ])143 1010l12017 $< 1'52· t«: MIA I H/A HIA I Dante 8. FRsE!U Park I N:J?OUnd ($6,500 contents 1010112015 "0<,00< ...... L ....... ./\ 8600 RED ROAD 50VTH 1oIIAMl, fl.. ]]1"13 10/0117017 I< 102-PITO MIA I MIA HI' I Dante s. f~l Park -'2 Rac~( Courb I1)J01l2015 \28,665 8600 REO ROAD 5OUTl1 MIAMI, R ll1<43 111 -J.lHC 11)10"7017 SO MIA I MfA H/A I DanteS. F~part 'l~tlCourt 1010H201!i $13,"'" &600 RED ROAD SOUTH MIAMI, R HH3 10{01l2017 '" 111-MNC MfA I KfA MfA I ~e 8. FiilKelI-l1i1d HUt 10/0tl201-5 $",00< 8600 RED ROAD SOUTH MIAMI, A. )3;11) lD1011l017 $( 117 -.JJ.l ", ...... I ... """" -I Dantl' fl_ "~1eU COJI1mU1lty stDra!1! "., 10/0112015 $6>,00< &600 RED llOAD 50UTH 1MAMI, fL ]3143 10/0112017 " 111· FR "" I Flat IkIitt-up Till'" & Qrawt I F'Udts Pill'k Pwition (~O cements I:ftC.tuded) ,,,. 10f0l/201'5 $31 .... 6+4-S 5W 81 5TRffT SOl1l1i IMAMI, fL ll1-43 10/0112011 $<,'" 101·~ ... I IIHdUn (lOm 30) ASphalt sNngtM. I F.uchs Pm. -eatbroom lD101/Wl'5 1&<,000 ~ SW., S1Rf£T SOIJllf AUAMI, fL llH3 10/0112017 " l1J-JJ.l fbit I "" "'"""-I RIdIs Park ~ a. SWing sets 10/01/201'5 $70,7" 6445 SW 11 STRfET SOUTH 1oIIAMI, fLlll41 10/0111017 " 117 -JM MIA I MIA K/4 I ~et" Pn -F'ietd ~ Buildin! "77 10/0112015 "',50 H4S SW &1 5TRffT SOUTH Ml..lMI, fLll111 10/0112017 ~ U2.-NC "" I Flat Built-tJp Tar ft Qfilwl I 11 Totallnsured Vilhll' I Roof n-Blt Sm,5II,,," I unlu "" on on 0>4 0" " .. 027 011 02. . '" SCHEDULE OF COVERED PROPERTY Continued D.""' ...... vear Built Elf ..... I ..,..,.v .... I ...,." Ttmn O;r;b!ol COI\tli!IItt V1l1u~ I Roof Shape' I Roof""" c.ontt 'lJ>O RDofca..mo I CDWf'IDI~ed 9;r1met-Part. footNll storage SI.dg ''1T7 10/0112015 ",.0<1( 6101 SW 6Trn A\iENUE SOUTH "".lAMI, fl. llHl 10/0112011 $<!i.7~ 11'}' JM rut I ru, euilt-l4' nr & (lr.tvet I p;almef-P.an. Foothill! 5tor.Jge Room .... 10fOl12015 $ll."'" 6101 5W 67TH .... VENUE SOUTH J.UAM/, n ))1-43 10f0112ot7 $"~"" 11'· JM Flat I Flat 8WLt-upTcrI10r.t'fi'i 1 PillrnK-Pm f'il'ld HOUSe "77 10f01{I015 $111;,621) 6100 SW 67TH .... VfNUE 'SOUTH JoUAMI, Fl.}]Hl In-JM 10/0112011 $>.'" Hi. I low « 10) AsptaIt SlringIe I Pillmet" Part Playground 1010111015 $20.'" 6701 SW 6Tffl4VfHUE SOUTlt .MIAMI, Ril' .. ] 10fOlI2017 SC 102 -PITO OIA I O'A OIA I Pillmet" Part. 11200 FT of SFT High fence 10/01/2015 $".00< 6701 SW 67TH AVEKUE SOUTH JoUAMI, fLllHl )0/0111017 SC 101-PITO "IA I K'A KIA I PiiIIIlet"P4I1lt -1000 fT ur 11lf'T tugn f'ftKe 10/01l101t;; $' •• - 6701 SW 67Tlf AVENUE 504Jllt AIlAMl,n 33143 10101(2-011 ·so 102 -PITO KIA I O'A KIA I piiImef Park· Restroom Bldg .m 10/a1l2015 .... 600 6101 SW 1I7TH .... VCNUE "SOUTH MIAMI, n 3114] 10/0112017 \0 11' -.JM- flat I flo, lIuilt-up TM 11 Gf'ilM I p~p.art: -conces:s10f18idl .m HU01/lOl!;; ''''' .... 6701 SW 67TH AVENUE 5(JUTH MIAMI, R H14] 10/0112017 \0 1U-.J.U Fbt I fLo, 8ul1t-up Tlt 8; G~vel I office 1 POllee SUbsGtion '1000 10101/2015 sO 6'KI(I SW ~'TH Pl..ACE 50tJIH MlAMI,RUB] 10101/2017 '''' .... 11" -.JM .... I "" !Ullt-up Tilr 8; 6~'tel. I arewet'" hit -7. :ltilC:quetbiiill OUts 10101lZ01S "'.-6100 SW 56TH -surrr 5OUll1 ,J,U,lMI, fl llH] 10/0112017 SO 119 -.J.U .fA I N1A H'A I 12 Toul tnsured Yalue I Roaf Yr 8k \120.'" I $51,'''' I $12-+,76 I \, •• 001 031 Oll 0,. 0" 0). 037 038 ... .... SCHEDULE OF COVERED PROPERTY Continued -YHf" Buill. En. Oi.w om .......... . ...." Term Dille' conunts Voilirue I -"'''' I ROOfPrt<h Comt-.ypo .... C ...... I CO'ftf1n8 Replaced Brewer pari!. . 1 n ~U Court 1010112015 m,()()( 6300 5W 56Tlf 5TRHT 'SOUTH J.I.LI.M1, fL 311-4] 10/01l2D17 ;C t17-JM HI. I HI. H/A I 8/"@\ftf Pm -Playground and SWing s.et 10/011201S '><,." 6100 sw 56TH STRffT 'SOOTH JoUAAfII, f1. llHl lOJOll2611 S< 1~ -Me HI. I HIA NIA 1 -Brew« Pa:tk -:2 Tenris CDllrt.~ 1G1Q1/WI5 ;'2,000 6300 SW 56TH STREET :souTH ML\MI~ Ril1"'} 11'J -JM lO/OlllOH so HI' I HIA H/A I 81'Pof1'1t'f'" Pm -460FT Of 10fT Hi9h FeH:e 10101/2015 17,&00 6300 WI 'S6lli STllEET :souTH MIAMI, fL 131-43 10'1-PITO 10/0112017 so ,N/A I HIA HIA I Brew« ~ -160FT of SFf High Ferv::e IO/IH/101!> $1,,",, 6300 sw ~TH STREET SOOll1 MI.AItU~ n 1114) 10fOllZD17 ;c 102 -PITO HIA I HIA HIA I NaRy hrk -2.~ SUUCtures 10/0111015 \2,00< S800 WI 66 STREET 5OU1l1 MlAMI~ fL 3114J 10/0112017 ;C 11') -JJ.l HIA I HIA H/A I J.turRy Pia'" I CDmmunity center-.-lD1Q1I1D1!io $"",000 6701 WI 511 PLACE 50UTli .MUM" fL 11141 10/01/1017 so 111-MHC ........... I J4edlom (IOto 30) ...... I Hope But:iB' A.rtirity Center "as lG/OtllD15 \27',"" 6701 SW 51 Pl.AC.E :sount MlANII, fL 1]14) tn-lM 10/0112017 SO ........... I Medium (10 to 30) -.. I Office/Potia> ~ 10/0112015 $IJ Sus. SlJNSET ORNE SOUTH MIAM1,. fL ln4] l1')-J». 10101/21117 '12,"" ......... I --"""""" I C~H;ill/Poln .-10/0112015 $1,'",''' 6130 SUNSET DRIVE SOOTH MloI.Ml~ FL 11Hl 10/0112D17 '''',m n,.·JM Flat J ".. tlUilt-upTOtr&OIiJ.veI. I ,... 13 Totalln~ Value I Roof Yr lilt '13,"'" I ~:J4,11 I ''',00 I $7,"", I '), "" I $2,00 ... <>SO SCHEDULE OF COVERED PROPERTY Continued oo.cnpMn y-.... Ul. Diiltl!- ,,"_v_ I .ddn= CDrnt Typo Tl!f1II DU.P I (-arltents vatui!' I Roar Shitp(' Roof Pitth Roof CU'tftTIj I CO"ftnhl ReplaCftl Silva I.A;lrtin 8~ .. ,. 10/0112015 _.,8< 6130 SU'HSfT DRNE 50UTH MI.lMI, fl.3314] 1010112011 S56.70/ 117 -JM Hip I Medium (10 to 30) ASpNi.l5Jmgle-I 20011 SOuth N.iolmi <omm C KIter I Gym 200' lDiOlfW1S ",218.'" ~aoo SW 66 STREET SOOTH MIAMI, fL J3I4J 10/0'12017 S3'1O,oo< 111 ·MHC "" I Fb, Buitt-upTM Q Gn.1fet I """ JNn wiUis PJ:rk I <Ja22bo 1010112015 $".'"'" 1210 SW 61ST COURT SOUTH MiAMI, fL ]3143 101 -Frame 10/01 nOll So PyroUDkI I ~(10t03G) ASpNIt~1! L MarhsaU WiliWnson p;ri. , Gazebo 10-IQ1I2015 W>.OOO 6111 SW6.STREET SOUTH MlANIl, fL 1]14] 152 -Me 1010111017 \<l """",,, I -~tSlmJl~ I MiIl5hal. 'NMIiMnsan Park f Pb.RftlUnd and5winj 5et 10/0112015 $n."" 6tH SW 6& STREET SOOTH MloUll, FLll14J 10/0112017 ~ 102 -PITO NIA I HIA HIA I Jilmson J>af1l f J. 8@ncnl!!S 10/0112015 ".'" 6111 WI 6I5TRfET SOiJ7H WAI,,\!, FL llHl 10/Q1.12017 ~ 102 -PITO NIA I "/A HIA I JolMShaU WiI!Wrtion PMt. -1 Tennis cOU'ts 1010112011> $52._ 6111 SW 61 STRffT SOUTH MiAMI, FL ]]1'1] 10/01/2017 \<l 111 -MNC NIA I NIA NJA I All AmeriGa Puk , J Picnic Tables 10/01f2015 $7._ 6S2O SW 6<1 A.VEJ«JE SOUll1I.f11t1,AI, FL ]11-43 llJZ -PfTO 1010112017 \<l N/A I HIA H" I airi SCout Property ''''' 10101/2015 \>34."" 6607 SW 60 S.TRffT 'SOUTH 1MIoMI, Fl. 131'1] lU-JM. 10.fOtrlO17 \<l ". I Medium (tOto 30) Asph;JIt Shrogle I Pming~ """ 1010112015 sa.,,,.,,, ~"5_ W_ Dstn!et :souTH MIAMI, fL nH] lG1O'1/2011 ~ 131 -fR -I "" cone ... Tile-I 14 Touilnsured vahle RoofYr Bk S·..,. .... I $J,603,56( I $17,5OC I $65."" I $32."" I S1.m I S52,OOC I 17.00<><nptwn Ye.lIIUlIl En ..... I ......... V ...... J ....... ." Tenn IMtt!' I Canlent:l; vakle I Roo(ShJpe' Roof Pit<b ComtType RoofCOYemg cownna Rep~c.d OiSCll"l Park -Picnic T~ 10/01/201'5 $2.00< S« S8Tl1 AVE"&"5W 80 5T "SOUTH .MIJ.MI, fLl1143 10/0112017 " 102 -PrTU "fA I "fA HfA I Oison park =-10fQlI2D15 125,OOIJ SW S8Tl1 AVE a 5W to 5T 5Ol1TH JM.6Mf, fl. UH3 lC/Ql/2017 $0 152 -Me ,.,....,.., I ~(10tolO) ASphalt Shinale I AWShilU. WiltiimS<l1 pMtH Pimic Tmtes IO/OIIlOn: $1,'2< 6111 SW 615TREfl south Miami~ fL 1314] 102-PITO 10/01/2017 " HfA I HfA HIA I POLICE SUB STAT'lOH .... 10/0H2015 \C 6n6 $ow §, Pun SOUl1i .MIAMI, FLlJ143 11' . JM. 10/01/2017 126,001 Flat I FI" Tar MId &;am I !IUS SHELTER lD(01/20115 150,"'" N SIDE Of'SUHSET1JR &; APPROXSW 60AVf SOlfI11 MIAMI, fl. ))1-43 10/0112017 $0 151.-He U,,,,,,,", I .... ~ """""'" I 8US SHElTEIl 10101(20115 \,",- H SIDE. OFSlfflSETDR APPRO'.( 100 FTW Of'9if 67,t,\IE -sount MlAllll.I, f1.11Hl 10/01120\7 $0 152: -Me U ........ I -"""-I 8U5SHEUI1l 10/01/20115 $50,00< S SlIDE Of SUNSET DR APPROX 100fT E Of" SW 61 AVE 'SOUTH 1oUAMI, FL UH3 10/01120'7 \C 152 -HC U"""""' I .... """" """-I eUSSHELTEl 10/01/201-5 $50,001 S SIDE Of SUMSET OR .. SMIAMI CITY tfAl..l. SITE (6110 SOUTH AUAMI, fl.)}, .. ) 10101/2017 S< 152· NC U_ I """"""" --I auSSHELTlR 10/01JZ01~ \,",- f: 5« OF SW 62 AV¥. 8. APPROX SW 67 Sf SOIJT1i J.U.WJ, FL lJHl 152· MC 10101/ZD11 $0 U"""""' I ---I MUny pm P«II.. Spldl Pool, Restroom "''' 10101/2015 $1,J.S.t;411 6111 S. W. 61th StJiIet SOIithMim~ fL331+] 10101/2017 $0 l1'·JI,I. Flat I I 15 Total trmKed 'taM- I ROof Y ... Bft \2,00< l $1,314,""1 I 201< unit .. 061 .. , .. , OM ... 06. 067 0611 SCHEDULE OF COVERED PROPERTY Continued o.<m ..... V ... IIUIIL En. Dille ........ V ..... I ....." Term o.U-contents valu@ I RoofSh~ I RoofPrtch c_Type Roof COYER'll I COYl'f'lftl RepUiced 10:x 10 Tiki tu 20" 10/01l2D15 ".«oJ 6380 'SW 71 Street :SOlItltMi~, fl..ll1-4-J 10/0H1011 " 11' -JM I I wood Fence 2015 1010117015 $1,16 6];8() SW 71 Street SOtId! Miami, FL ]]1'4] 10/01/2017 $< 10'2.-PITO I I ""im Dog WiiSte Station 2015 10/0112015 "" 63.110 sw 78 Streeot south Ali;iffil, fL J1Hl 102-prro lO/OlrW17 $.000 6380 SW 7.s Street. sooth "iillni, FL lJHJ 151-10/0112.017 " I Pump/Lift I saOm ".."...-2015 10/0112015 $1,01 6l8O 5W 7& Street SOtJth ,Miami, f1.. 131-4] 10/0112017 " 10'Z-PITO I I .... .,. ...... , .... 201. 10/0tl1015 so. 6380 SW 7lJ Stl'8t SOfJth Il;;mi, FL llH] 10/0112017 " 102. -PITa I I DDt Play Equipment obstade-s 2015 10/01(2015 $1.m lBBO sw 71 Street 50UUI J4i;lmi, fL1l141 10/0112017 $< 102 -PlTO I I wood Double O4lte EnCIOSUf"e ,.15 10/0Hll)15 S4."" 6380 SW 73 Street SO SGuth Min, fL llHl 101Ot/2017 10'2. -Pm> I I Tl::Ib.ilruured Vilrue I RoofYrBh $' ..... I $1,16 m $'."'" $1,01 I SO $'.371 $4, .... 7 I Total:1 $2.t,610,l6lI I $1,080,:3041 I $22.610,710 16 SCHEDULE OF COVERED PROPERTY PROPOSED INLAND MARINE COVERAGE Insurer: Preferred Governmental Insurance Trust Description of Property: Parking Meter Equipment -Blanket Unscheduled Subject to $25,000 Any One Item Excludes Watercraft 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 EarthquakelEarth Movement Terrorism Biological or Chemical Materials Electronic Data Electronic Date Recognition Asbestos 17 PROPOSED CRIME COVERAGE Insurer: Preferred Governmental Insurance Trust Type of Policv: Combination Crime Limits of Coverage: . Empl()yee Di~h6nesty IricLFaithM Perfonnance $.100,000 PeiLoss ...... . Covers loss of money, securities and other property by employee dishonesty at all premises of the insured. forgeiyo[ 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 Fr~\lid Includin.Hunds Tran~fet Hilud . $ l00~OOO 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. Theft Disappearance or Destruction Other Coverages Available: D. Robbery and Safe Burglary E. Premises Burglary G. Extortion H. Premises Theft and Robbery Outside I. Lessees of Safe Deposit Boxes 1. Securities Deposited with Others Deductibles: Employee Dishonesty Forgery or Alteration Computer Fraud Theft, Disappearance or Destruction $1,000 $1,000 $1,000 $1,000 18 $ 10,000 PROPOSED GENERAL LIABILITY COVERAGE Insurer: Preferred Governmental Insurance Trust Type of Form: Commercial General Liability -Occurrence Form Limits of Liability: Bodily Injury & Property Damage Liability Products/Completed Operations Personal Injury & Advertising Injury Damage to Premises Leased/Rented to You Bodily Injury and Property Damage Deductible $l,OQO,OOO Each Occu.rrence .. , N/A'~her~rA~grega~e< .• ' I.l.j~l.'.'u. d.·· .. ·,··~.d.· :;:';:-, -. "'-', -:;-' ...• hciJded~Na~~f~~q~~t ·:ih~IJ~~dj\i1Y9nel?ite .. -,-. - N/A Per Occurrence Higher Liability Limits may be Available Upon Request Exposure Basis: . Class . Municipality Basis . Payroll ... Amount. , .. $4,058,()46 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 Sewer Backup and Water Damage Limit -$10,000/$200,000 Exclusions include but are not limited to: • Pollution • Asbestos • Mold • Fungus, Bacteria • Lead • Nuclear • Medical Payments • Liquor Liability • Copyright or Patent Infringement 19 PROPOSED EMPLOYEE BENEFITS LIABILITY COVERAGE Insurer: Prefened Governmental Insurance Trust Coverage Form: Occunence Limits of Liability: $ 1,0(l(),000 •. Per Person N/A . . Aggregate Deductible: N/A Employee Benefits Liability: rQ.I1<l),,:Q~ypuibeh!\lf#IsumsWbicb')'Qlls.baJLbeeofl\~I¢g@lYPPlfgatMiJO ~;I1I~~~~l~f~E~~~U~~l¥MfQ~r:i~a~~f:Jg~~¥\V~~~~?:~P~~G{~~!~~t; ariYrtegI!ge.llt<lct;elTo,! ororQissiqn of Y0\ll'S: of[ll1ype~son,foF \IIb<>sea¢t~rqU . are iegiilly liable in iheJl.4llli:pi!ili<ltii)i}ofyoQr,pmployee Bene}jtsProgirun'·.·· 20 PROPOSED LAW ENFORCEMENT LIABILITY COVERAGE Insurer: Preferred Governmental Insurance Trust Type of Form: Occurrence Limits of Liability: Per Person Per Occurrence Aggregate Deductible: N/A Exposure Basis: ,Class Law Enforcement $1,000,000 $l,OOO,()OO 'N/A 'Basis Number of Officers 21 ,Ariunint 45 Full Time o Part Time 2 Volunteers PROPOSED COMMERCIAL AUTOMOBILE COVERAGE Insurer: PrefCITed Governmental Insurance Trust Limits of Liability: Bodily Injury & Property Damage Liability Liability Coverage Provided For: Personal Injury Protection (Florida No-Fault) Medical Payments Uninsured Motorists Non-Stacked $1,000,000 . Combined Single Limit . SyiIlb()i #:1 Any AiM . $1Q.OOO .. EaCI!l?el'~on;'Symljl!l#i$ . QWliedAu:toSubjedlo No Fault .... ..... $ NOL. fucluded $ Not. . ·liid~t!ed ~}~~~§~,~:;;:~~~~~;;~~~~:,I .. ;~~i,~t.~~~f··· Reported Immediately so as to avoid any,. '. ,. ;:c,' .".;·<\?L···\.":· possible gap in coverage"···· "."". Higher Limits of Liability May Be Available Upon Request Description of Vehicles: Please See Attached Schedule of Automobiles -153 Total Units 136 Contain Comprehensive and Collision Coverage Enhancements: • Hired Auto Liability • Non-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. 22 VEHICLE SCHEDULE 23 VEHICLE SCHEDULE Continued 24 VEHICLE SCHEDULE Continued 25 VEHICLE SCHEDULE Continued 26 VEHICLE SCHEDULE Continued 27 VEHICLE SCHEDULE Continued 28 VEHICLE SCHEDULE Continued 29 VEHICLE SCHEDULE Continued 30 PUBLIC OFFICIALS & EMPLOYMENT PRACTICES PROPOSED LIABILITY COVERAGE Insurer: Ace American Insurance Company Type of Form: Claims Made -Retro Date Per Policy Form Extended Reporting Period: 12 months for 100% of last annual premium Limits of Liability: Each Claim Aggregate $l,QOO,OOO . $l~OOO,OO(i Defense Costs are Within Limit of Liability -Capped at $1,000,000 Deductible: $100,000 Public Officials Liability -Public Entity Liability-I A2 and I B $150,000 Each Employment Practices Violation -I C $250,000 Retention applies to all Zoning Claims Exclusions Include But Are Not Limited To: Network Security or Privacy Liability Exclusion Bond Exclusion False Claims Act Exclusion 31 SUMMARY OF ESTIMATED PROPOSED PREMIUMS Premiums as Proposed: Machinery General Liability Automobile Inland Marine Crime/Fidelity Law Enforcement Liability Public Officials Employment Practices Liability Fees Taxes & Surcharges Total Premium Fees Taxes & Surcharges Total Premium Fees Taxes & Surcharges Total Premium Fees Taxes & Surcharges Total Premium Fees Taxes & Surcharges Total Premium Fees Taxes & Surcharges Total Premium Fees Taxes & Surcharges Total *Expiring Renewal rn"",um reflects ammaliZf,d p,remliun1ls on any mitlterm pu"",r d1an'f[es Fees shown above may be fully earned at policy ill<:ep'tioll Automobile: 153 Total Units -136 Contain Comprehensive & Collision 32 Important Note: This quotation provides for two annual twelve month periods from 10/01115 to 10/01116 and for 10/01116 to 10/01117: All Aggregate limits reset for the period 1010112016 12:00:00 AM to 10/0112017 12:00:00 AM. Losses applying to one annual coverage period will not erode the aggregate limits of another annual coverage period. The premium for the period 1010112016 12:00:00 AM to 10/0112017 12:00:00 AM will be detennined based on updated exposure values for this period. Rates for the period 10/0112016 12:00:00 AM to 10/0112017 12:00:00 AM will be identical to those for the period commencing 10/0112015 12:00:00 AM, with premiums subject to the following: 1. NCCI Experience modification factors will be applied as promulgated. 2. Changes to Schedules: Property, Inland Marine, and Automobile 3. Payroll 4. Number of Employees In the event of cancellation of any line of business within 90 days after the first day of either annual coverage period, the premium for such line(s) shall be 25% minimum earned. In the event of cancellation of any line of business following the initial 90 days of each annnal coverage period, a penalty eqnal to 60 days preminm of such line(s) of bnsiness shall become earned, any provision of the agreement to the contrary notwithstanding. This penalty is earned and payable regardless of when notice of snch cancellation is given, or the effective date of such cancellation. Payment Option: PGlT Package: 50% Down, 25% due at 75 days and 25% due @ 166 days POUEPL -Full payment at inception -Financing may be available A 25 % Minimum Earned Premium applies to the following policies: Preferred Governmental Package Ouotations Subject To: • • • • Signed and initialed PGlT and Acord applications Signed Ace and Acord Applications -POL & EPL Review of Currently Valued Loss Runs Prior To Binding: Ace American POLIEPL Signed PGlT UM Form and Signature Page Ouotation 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 infonnation, including exclusions, limitations, and conditions, refer to the policy document. 33 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 Ace American Insurance Co. Public OfficialJEPL A++XV Yes GENERAL RATING These rating classifications reflect BEST's opinion of the relative Rosition 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 VIlI $ 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. 34 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 BrokerlManaging General Agent: Public Risk Underwriters 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.com!customerinquiry.shtml. 35 PROPOSAL VARIANCE Changes that need to be made prior to binding: 36 MINIMUM AND DEPOSIT PREMIUM MINIMUM EARNED PREMIUM The following tenns 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-tenn, the earned premium is the GREATER of the annual minimum times the short rate or pro-rata factor, or the actual earned as detennined 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. 37 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 Fax: (305) 714-4401 E-Mail: ASarrial@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. 38 DEFINITIONS 39 Coinsurance Agreed V lilue , Replacement Cost & ActlIal ' Cash Value 'Jnfbtion'Guard >Cov,erage ~~:~:~:~:t .' '.t~veniges ' . '-'.-. \; 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 detennined that the amount of insurance carried is less than the amount required, a enalt could be laced on the insured. (Exam Ie 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 olic is issued. This 0 tion is usuall assi ned to one-of-a-kind ro elt . 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 policy 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, s rinkler leaka e, sink hole colla se 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 leaka e). Excluding flood and earth uake. 40 EQUIPMENT BREAKDOWN DEFINITIONS Def"mitipnof Equiplllent . '.' . Breakd()wnGoverage (Boiler &. . . Machhlery) Automatic Coverj\ge· .. Boiler & Machinery insurance covers direct damage to covered property when caused by a covered cause of loss . 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 e ui ment described in the abc . Which pays the reasonable extra cost incurred to expedite ro ress after a loss Covers accidents to objects at newly acquired locations for up to ninet da s after the named insured ac uires the ro ert . 41 GENERAL LIABILITY DEFINITIONS PremisesfOperation~ .. ProdllctsfCo/iipleted Operlltilms· 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 o erations erformed b 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 rovided in the olic . 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 re ard to the liabilit 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. 42 GENERAL LIABILITY DEFINITIONS Continued ... Contra\!tuaI LiabjJity . ao~t LiquQrLiabillty .. . BroadF\ll'mPropertyD~mage . . . . ·Covetllge· ..... :£r1Cidental MediCal Malpractice · .. L'/oh"OwnedWlltercrllft . .. ·····Lia~hity dNer~ie < ..• . . Lilmted worldwide Coverage' ... "_ ,,-','"_ '_' .' __ -, ; . ___ , ,_, ,-0';_,_' . : ::.< Extends your coverage to liability assumed under contract, applies to both oral and written agreements relating to named insured's business. 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 . Intended for firms, which perform work or services, rather than sell or produce products. Usually intended for construction contractors, re airers of automobiles, installers of ro ert . 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 dru s or medical, dental or sur ical su lies (Under 26 feet in length) Provides coverage for liability, which arises from any watercraft as long as watercraft is not owned by insured nor being used to carry ersons or property for a fee . 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. Amends definition of occurrence to; includes any intentional act by 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 u oses of rotectin ersons or ro ert . Automatic protection for newly acquired organizations until the new organizations is specifically added to the policy or 90 days, whichever occurs first. 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 em 10 ee which occurs during the course of em loyment. 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 of the olic eriod. 43 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 Y car: 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 change 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. 44 Liability Coverage Owned Automobiles Perso,llillllljury , ,Protections . Medic~.lPaYments , , 'Cove):lIge '" (]lli~!i"¢dWIl.derinsur edM()t9riSts 'N~n-()"'l1ed, . Aut~ill~blIes ' AUTOMOBILE DEFINITIONS The liability coverage of the commercial auto policy provides protection against legal liability arising 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 olic limits. Covers the liability arising out of the ownership, maintenance or use of automobiles. Coverage is included for vehicle passengers under No-Fault Law rovisions . The insuring agreement states that the insurer will pay all reasonable 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 re ard to fault. Protects insureds who are not contributorily negligent against bodily injury caused by negligent under insured or uninsured drivers and hit- and-run motorists. Covers the liability for the use of hired automobiles in your business. Covers the liability for the use of non-owned automobiles in your business. An example would be an employee using his own car on an errand for you. , ,~ol#pteh,el1s~ye.; . '-"".;:<-' Pays for loss of or damage to automobiles from perils other than collision. ""-',' -.'j." Pays for loss of or damage to automobiles from collision with another ob'ectoru set. The business auto policy provides a coverage extension if an auto is insured for comprehensive or specified cause of loss coverage, which insures against loss of 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 $lO 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 covera e varies amon insurers. 45 1 COVERED AUTO DESIGNATION SYMBOLS Any "Auto" 6 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. 2 Owned "autos" only. Only those 7 Specifically Described "autos". Only autos you own (and for liability those autos described in ITEM THREE coverage any trailers you don't own of the Declarations for which a while attached to power units you premium charge is shown (and for own.) This includes those "autos" liability coverage any "trailers" you you acquire ownership of after the don't own while attached to any power 01 icy begins. unit described in ITEM THREE.) Owned Private Passenger "Autos" '8 ..• Hired "Autos" Only. Only those autos Only. Only the private passenger you lease, hire, rent or borrow. This "autos" you own. This includes does not include any "auto" you lease, those private passenger "autos" you hire, rent or borrow from any of your acquire ownership of after the policy employees or partners or members of be ins. their households. Owned "Autos" other than private 9· Non-Owned "Autos" Only. Only those passenger "autos" only. Only those "autos" you do not own, lease, hire, rent autos you own that are not of the or borrow that are used in connection private passenger type (and for with your business. This includes liability coverage any "trailers" you "autos" owned by your employees or don't own while attached to power partners or members of their households units you own.) This includes those but only while used in your business or autos not of the private passenger your personal affairs. type you acquire ownership of after the olic be ins. 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 araged. 46 EUlpJ()yee Dishonesty . .. Forgery orAlferaHofi. 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 insnred only. Coverage insnres against loss of money, secnrities, 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 signatnre that is not is changing a document m a manner that is neither authorized nor intended. This form insnres against loss caused by the forgery or alteration of a covered item drawn against the insnred's A covered item might be a check, draft, romisso note, bill of exchan e 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 (I) of the form covers money and secunlles against loss by theft, disappearance, or destruction inside the premises. Section (2) covers money and securities outside the remises in care and custod of a mana er. 47 PREFERRED GOVERNMENTAL INSURANCE TRUST "Preferred" NOTICE AND ACKNOWLEDGEMENT OF FINANCIAL CONDITION Brown & Brown of Florida, Inc. -Miami Division, 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 fmancial 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 PKFLl013202I1304 10/01115 TO 10/01116 09/15/2015 * 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 48 Insurance Coverage Review Insured: City of South Miami Term: 10/01/15 -10/01/16 Correction: Addl Named Insured:===-==== _______ _ Please advise if quotations for increased limits of liability or for any coverage listed below are requested: E == Exposure; C '" CoveraQe Ihrou h Brown & Br own; Q -Quote for Uncovered Exposure E C Q E C Q PROPERTY YIN YIN YIN LIABILITY YIN YIN YIN Buildinqs General Liability --- Business Personal Pro~er~ Directors & Officers Liabill~ Personal Pro~erty. of Others --E Commerce/E-Business Liability Tenants BeHerments & Improvements Employee Benefits Liability Business Income , liquor Liability Extra Expense I ! Employment Related Practices Liability Leaseholders Interests Third Party Discrimination Boiler & Machinerv (Equipment Breakdown) Errors or Omissions Liabilitv 13uilding Ordinance or law -Owners/Contractors Prot Liability A. Loss to Undamaged Portion of Bldg Pollution Liability (1'1 Party) B. Demolition Cost -Pollution Liability ( 3rd Party) C. Increased Cost of Construction ------Products liability Earthquake --_.--Product Recall Renlallncome Professional Liability Difference in Condition Warehouse LeQal liability -c-- Flood (Primary) , , Watercraft Liability flood (Excess). Umbrella/Excess Liability Wind INLAND MARINE Off Premises Power Interruption --I-----Accounts Receivable Overhead Transmission Lines --Valuable Papers Glass ! Bailee Coverage Spoilage Computer/EDP AUTOMOBILE Contractors Equipment - Auto Liability .. _-[-- Drive Other Car liability Signs Installallon Floater Drive Other Car Physical Damage , Mobile Equipment Hired/Non Owned liability , Rented/Leased Equipment - Hired Car Physical Damage Motor Truck CarClo PIP: Ext Additional. Broad TransiVTransportation Rental Reimbursement (PPT) Builders Risk / COC Rental Reimbursement (Com. Vehicle) r Ocean Ca~gp Uninsured Motorist (Primary) I WORKERS COMPENSATION Uninsured Motorist (Excess) Workers Compensation Garaqe Liabilitv Other States Garaqe keepers Liability USL&H Garage Dealers PhYSical Damage , Jones Act Truckers Liabilitv ~~~ Un-laden Liability Excess Emplovers Liability Truckers Phvsical Damaqe AIRCRAFT Trailer Interchange Aviation -Owned CRIME Aviation -Non-Owned Employee Dishonesltilst Party) MISCELLANEOUS Employee Dishonesty (3rd Party) InternationaVForeion Exposures ERISA Bond Kidnap & Ransom Forgery or Alteration Travel Accident Fiduciary Liability Credit Insurance Monev & Securities Mold/Funoi BONDS EIFS Bonds Terrorism describe) Subsidence ThiS hst of Insurance coverage IS for mformatlOn purposes only and IS not meant to be a complete hst for all your msurance needs. The above analYSIS IS based solely on information provided by the client. Insured Representative Brown & Brown Representative Signature Date· Place Completed with Insured Comments: (may be continued on reverse) Prepared by Brown & Brown Insurance -Rev 01.01.11 49