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Res No 182-16-14737RESOLUTION NO.182-16-14737 AResolutionauthorizing the City Manager topurchaseProperty Insurance,including Boiler and Machinery;General Liability Insurance;Automobile Liability and Damage Insurance;Inland Marine Insurance;Crime/Fidelity Insurance;Law Enforcement Liability InsuranceandWorker's Compensation Insurance from Preferred Governmental Insurance Trust (PGIT). WHEREAS,the City,throughitsAgentof Record,Brown &Brown,hasreceivedinsurancequotes forProperty Insurance including Boiler and Machinery,General Liability Insurance,Automobile Liability and Damage Insurance,Inland Marine Insurance,Crime/Fidelity Insurance,Law Enforcement Liability Insurance,and Worker's Compensation Insurance. WHEREAS,the City renewal quote from PGIT isforalllinesofcoverageforthecontinuationof theexistingcoveragesprovides the bestcoverageoptionsto meet theCity'sexistingneeds; WHEREAS,the CityAdministration recommends that the City continue coverage with PGIT for PropertyInsurance,General Liability,Automobile,Inland Marine,Crime/Fidelity,Law Enforcement Liability and Worker's Compensation for2016-2017 Fiscal Yearbasedupon the current proposal; NOW THEREFORE BEIT RESOLVED BY THE MAYOR AND CITY COMMISSION OF THE CITY OF SOUTH MIAMI,FLORIDA THAT: Section 1.TheCityCommission hereby authorizes the City Manager to execute the renewal insurance policyfor PGIT for Property Insurance includingBoilerand Machinery,General Liability insurance,Automobile insurance,Inland Marine insurance,Crime/Fidelity insurance,Law Enforcement Liability insurance,Worker's Compensation insurance for 2016-2017 FiscalYear. Section 2.This resolution shall take effect immediately upon adoption. PASSED AND ADOPTED this 20thbav of SePt-.2016. ATTEST: READ AND APPROV§ LANGUAGE,LE^AlJTYi EXEC!ITIOMyHFF STO FORM, APPROVED: COMMISSION VOTE:5-0 Mayor Stoddard:Yea Vice Mayor Welsh:yea Commissioner Edmond:Yea Commissioner Harris:Yea Commissioner Liebman Yea 1-hVMi-Soutlf Miami THE CITY OF PLEASANT LIVING CITY OF SOUTH MIAMI OFFICE OF THE CITY MANAGER INTER-OFFICE MEMORANDUM To: From: Date: The Honorable Mayor &Members of the City Commission Steven Alexander,City Manager September 20,2016 Agenda item No.:_ Subject:A Resolution Authorizing the City Manager to Purchase Property Insurance, Including Boiler and Machinery;GeneralLiability Insurance;Automobile Liability and Damage Insurance;Inland Marine Insurance;Crime/Fidelity Insurance;Law Enforcement Liability Insurance And Worker's Compensation Insurance From Preferred Governmental Insurance Trust (PGIT). Background:The City solicited and received proposals for property insurance,including boiler and machinery;general liability insurance;automobile liability and damage insurance;inland marine insurance;crime/fidelity insurance;law enforcement liability insurance and worker's compensation insurance from carriers currently under writing municipal business in South Florida.The following table summarizes the responses received. Florida Municipal Insurance Trust (FMIT)Insurance Workers Compensation FMIT Total Premium PGIT Insurance Description Property Coverage General Liability Automobile Inland Marine Crime/Fidelity Law Enforcement Liability Worker's Compensation Please note:Basedon $156,894 pending National Councilon compensation insurance (NCCI)rate increase,with acapof$175K. PGIT Property.General Liability.Automobile. Inland Marine.Crime/Fidelity.Law Enforcement and Worker'Compensation Total FMIT $182,770 $182/770 PGIT $120,299 $94,377 $121,847 $836 $750 $70,012 $175,000 $583.121 \WJf 'CITY OF SOUTH MIAMI ^ni ith"Miami office of the citymanagerOVJUUIIVlldl1IIINTER-OFFICE MEMORANDUM THE CITY OF PLEASANT LIVING RECOMMEND ACTION:Thestaff recommends thatthe City obtainits Workers'Compensation policy with PGIT for maximum premiums of $175,000.PGIT offersthemost competitive ratesfor Workers'Compensation Insurance.The City continuesto receive thecompany's preferredratingbecauseofthe multiple linesofcoverages,including a 5%creditfor our Drug Free Work Place policy anda 2%creditforour newly implementedSafety Policy.Thisyear'srenewalrepresentsa decrease ofapproximately6%overlast year's Workers'Compensation Insurancepremium. Thestaffrecommends that the City renewits policy with PGIT foritsProperty,General Liability,Inland Marine,Crime/Fidelity,Law Enforcement Liability foratotalpremium of $408,121.This representsa decrease of approximately 2%overlastyear's premium. As set forthabove,the PGIT proposal contains the most favorable rates for these lines ofcoveragesandoffersatwoyearrate guarantee onProperty,General liability and Automobiles. Attachments:Proposed Resolutions Proposal Package fromFMIT Proposal Package fromBrown&Brown SUMMARY OF ESTIMATED PROPOSED PREMIUMS Premiums as Proposed: Property Including Boiler &Machinery General Liability Automobile Inland Marine Crime/Fidelity Law Enforcement Liability Public Officials Employment Practices Liability 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 Premium Fees Taxes &Surcharges Total *Expiring Renewal *Expiring Premium reflectsannualizedpremiums onany midterm policychanges Feesshownabovemaybefully earnedatpolicyinception ExpiringPropertyValue $22,690,710 vs $22,752,937 Renewal Expiring Vehicle Number 153 vs 147 Renewal Expiring Municipal Payroll $4,058,046 vs $4,303,578 Renewal Expiring Law Enforcement FT Officers 45vs 48 Renewal 33 Payment Option: PGITPackage:50%Down,25%dueat75daysand25%due@166days POL/EPL:Fullpaymentatinception-Financingmaybeavailable WorkersCompensation:25%Downand9EqualInstallments A25%Minimum Earned Premium appliestothefollowing policies: Preferred Governmental Package andPreferredGovernmental Workers Compensation Quotations Subject To: •Signed Acord applications •SignedAceandAcord Applications -POL&EPL •ReviewofCurrentlyValuedLossRunsPriorToBinding: Ace American POL/EPL Quotation is valid until the effective date of the policy. This insurance proposal is prepared based on data furnished byyou for our review.Itis not tobe construed as an exact or complete analysis of the policies or as legal evidence of insurance.Itis only a brief outline of your insurance coveraee and isfor information purposes only.In the event of difference,the provisions of the policy will prevail.Please read your policy carefully for a thorough understanding ofall terms,conditions and exclusions. 34 Coverage Workers'Compensation Experience Modification TOTAL NET PREMIUM GRAND TOTAL PREMIUM "•""" Department ofInsuranceandFinancial Sen/ices FLORIDA MUNICIPAL INSURANCE TRUST RENEWAL QUOTE FOR 2016-2017 Cityof South Miami FMIT 0563 Deductible Limit Premium $0 1.04 10/1/16 M TotalPayroll $7,916,484 $182,770 $182,770 $182,770 Includes:Drug Free Credit:Yes Safety Credit:Yes Note:Coverage summaries provided herein are intended as an outline of coverage only and are necessarily brief.Inthe event ofloss,allterms,conditions,and exclusions of actual Agreement and/or Policies will apply. Insurance Proposal Submitted Especially For: City of South Miami Policy Term: 10/01/16 to 10/01/17 Date of Presentation: 08/26/2016 Presented By: Robert Hollander Executive Vice President Brown &Brown -Miami Division INTRODUCTION Wewouldliketotaketheopportunitytothankyoufor allowing ustoworkclosely withyouinourefforttodevelopacomprehensiveRiskSolutionProgramforyour business.Brown&Brown,Inc.isthelargest independent agencyorganizationin Florida and the 6th largest in the US.The company provides a variety of insurance productsandservicestocorporate,institutional,professionalandindividual clients.HeadquarteredinDaytonaBeachandTampa,Brown&Brownispublicly traded ontheNewYork Stock Exchange (BRO)andhasbeen included in Forbes' list of the"200BestSmallCompaniesin America".Thecompanyhandles clients' premiumsinexcessof12Billionannuallyandhasinexcessof6,500employees. 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 whocan assist you with group health,disability,life and dental While sizeis not thesole criteria for choosing an insurance agent,itdoesenableus to offer our clients clout inthe marketplace and unmatched service capabilities. Please feel free to visit our website at www.bbinsurance.com This insurance proposal is prepared based on data furnished by you for our review.It is not to be construed as an exact or complete analysis of the policies or as legal evidence of insurance.It is only a brief outline of your insurance coverage and is for information purposes only.In the event of difference,the provisions of the policy will prevail.Please read your policy carefully for a thorough understanding of all terms,conditions and exclusions. 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 asarrial @ bbmia.com Karla Bernet Account Manager Associate 305-714-4499 kbernet@bbmia.com Town )rown 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 TABLE OF CONTENTS I.Schedule of Named Insureds II.Coverage Sections o Property o Inland Marine o Crime o Commercial General Liability o Law Enforcement o Commercial Automobile oPublic Official/Employment PracticesLiability o Workers Compensation HI.Summary IV.Illustrations and Definitions 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 EachNameandUpdateList,If Needed. PROPOSED PROPERTY COVERAGE Insurer:Preferred Governmental Insurance Trust Location of Premises: Per Schedule Attached Description of Property: Blanket Building &Contents Limit,per attached schedule $22,752,937 Values Insured are Ultimately Chosen bytheClientInview of the continually changing costof construction andbuilding materials,we strongly suggest thatyoureviewyourproperty values annually. ANYchangesinthe occupancy ofan insured location shouldbereportedtoouroffice immediately. Changesinoccupancycanpotentiallyreduceornegatethecoverage , 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 Flood Limit: Per Occurrence andAggregate:$1,000,000 Excess of NFIP Whether Purchased or Not PROPOSED PROPERTY COVERAGE Continued Property Extensions of Coverage: Forafull description of terms,definitions and conditions,please refer tothe policy documents. Limit 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 Coverage $250,000 $100,000 $l,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 PROPOSED PROPERTY COVERAGE Continued... Deductible: All Other Perils: Named Windstorm: Flood: Coverage Enhancements: Boiler &Machinery $2,500PerOccurrence-Building&Contents and Extensions of Coverage 5%PerOccurrence-Subjectto$15,000 Minimum $2,500PerFloodexceptzonesA,Vexcessof NFIP,whether purchased ornot $22,752,937 NOTE:Detachedwalls,fences,radioandTV antennas,trees,shrubs,plantsfree-standingproperty improvements suchasathletic equipment,windscreens,lightpoles,satellitedishesorsignsare notcoveredunlessspecificallyscheduledonthepolicy. 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 OrdinanceorLaw-LimitedperExtensionsofCoverage Note:ThePGITpropertyprogramisasharedlimit.Thelimitspurchasedareaperoccurrence limitandintheeventanoccurrenceexhauststhelimitpurchasedbyPGITonbehalfofthe members,paymenttoyoufora covered losswillbereducedpro-ratabasedontheamountsof covered lossbyall members affected bythe occurrence. WINDSTORM &HAIL DEDUCTIBLE SAMPLE ILLUSTRATION FLAT DEDUCTIBLE vs.PERCENTAGE Windstorm and Hail Deductible This deductible wouldapplytoaclaimfor damage causedby windstorm. MMM!^^ Bldg#l-$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 Percentagewinddeductiblesarecalculatedasapercentageofthetotal replacement value. Thedeductibleforallotherperilsappliestoan "occurrence",notperbuilding. SCHEDULE OF COVERED PROPERTY uirit# Description Year Built Eft Date Building value Address Const Type Term Oate Contents Value Roof Shape Roof Pltdl RoofCovering CoveringReplaced RoofYrBfc €04 CMMtMofltur 61SSW 6ft Street 1*70 ID/01 /2016 $471,200 $476,687 119 -JM 10/01/2017 $5,487 Flat BuAtuproof w/out gravel Flat 002 n6tew»tfa;Oflfc*Btfttft* 479SSW75ll>A*efiue 1968 10/01/2016 §281,200 $288,S1£ 119 -JM 10/01/2017 $7,31« Hip Tar and Gravel LOW (<10) •003 StQfwOfcftnr Foot offte 4795 5W 75th Awnue South Man*,FJL.33143 1994 10/01/2014 $5-4,000 $54,000 131-FR 10/01/2017 $D Flat Built-up Tar &Gravel Flat oo* •4795 SW TStfiAvenue SmfthMnn^FLUra 1980 10/01/2014 $185,250 $1&^2£C 152-NC 10/01/2017 $D shed Tar and Gravel LOW (<10) 005 4795 SN 75th Amue 5bt*hMra*rFL 33143 1994 10/01/2016 $560,500 $560,500 111 -JAMC 10/01/2017 $0 Flat Tar and Gravel LOW (<ID) 006- 4795 SW 75th Arcnue South Mraa.aUttS 1992 10/01/2016 $63,000 $122,267 1*9 -JM 10/01/2017 $59,267 Flat steel -standing Steam LOW {<10)1 007 1994 10/01/2016 $18,900 $18,900 H9-JM 10/01/2017 $0 Flat Built-up Tar &Gravel Flat OOS MOO Red Read Sauth Miami FL&M3 1967 1D/01/2016 $95,880 $«,aac 131 -FR 10/01/2017 $D Flat Binlt-up Tarft gravel Flat 009 BMW Red Road 5cadhtfiB0*rFL33M3 19*5 10/01/2016 $65r00C $65,000 152-HC 10/01/2017 $0 Pyramid Asphahshinge Medium (io to 30) OfO fifiOORedRnod 5adh Miami,FL 33143 1985 10/01/2016 $123,500 $123,500 102 -PITO 10/01/2017 $c N/A N/A N/A OH 2600 fled Rood 5t»th Miami,FL33W3 1975 10/01/2016 $1Q4,0Q€ $104,000 102-PiTO 10/01/2017 $« H/A N/A N/A 10 SCHEDULE OF COVERED PROPERTY Continued unit* Description YearHuitl Eft.Date BuildingValue Address Term Dace Contents Value Roof shape Roof Pitch RoofCovering CoveringReplaced RoofYr Btt 012 SfcCOtied Rood SmnhMfami,a33MJ 1975 10/01/2016 $23,665 $28,665102-HTO 10/01/2017 $0 N/A H/A N/A 013 0»fc*.FJB^Parfi-1&Htotb*aCwt &00 fled toad South Miami,FL3314S 1980 10/01/2016 $13,000 $13,000 102-WTO 10/01/2017 $0 N/A N/A N/A 014 QvttB&f&itftt'fTitfttn. HgHfedBtmi South Miam.a 33143 1385 10/01/2016 $10,000 $10,000119-JM 10/01/2017 $0 Pyramid Wood Shakes Medium (10 to 301} 015 ttanfe BuFaacsU Gmumntty fiowit HCOIferfRMd 5a*hM§uni,FL 33143 1967 10/01/2016 $63,000 $63,orjG 131-FR 10/01/2017 $0 Flat Builtup roofwitth gravel LOW(<ID) Ol 6 tate p«*PwWow (S*H>^*twa.tnftMteQ 6445 SW fitStreet SouthMiami,FL 23143 1995 10/01/2016 $31,000 $35,550 101-Frame 10/01/2017 $4,550 Hip AsphaltShingles Medium (10 to30) 017 6445 Sttm Street Sadt Mans,FL 33143 1992 10/01/2016 $84,000 $&4,0OC 119-JM 10/01/2017 $n Flat light Metal Paneb LOW(<10) Oia FucfcPu^ptmgnonrKl ft SwtegSMs 644SSW 81 Street 5bUh Miami,R.3U41 1993 10/01/2016 $70,763 • $70,769 1G2-WTO 10/01/2017 $« N/A HfX H/A €49 p«m«rn|fc.-Ffttl 9mmWS** 6445 SW 81 Street 5aUhMsfiB#FL3SI43 1977 10/01/2014 $45,500 S45.5CK 152 -HC 10/01/2017 $c Flat Buiit up roof with gravel L0W(<1O) O20 6701 SW fifth Aksuk SauthAfam,FL33Hi 1*77 10/01/2016 $75,000 • $120,730 119-JM 10/01/2017 $45,730 Flat Built up roof with gravel LOW(<10) 021 Msw pwfcRMttftt.Storag*toon 6701SW 67th fewiur South Mtaii,FL33t43 1995 10/01/2016 $33,000 $52,500 119-JM 10/01/2017 $19t5O0 Flat Buiitup roof with gravel LOW (<10) 022 FjfaMrFwfiFWfcMfovM 61G0SW67khibenue South MM.FL33W 1977 10/01/2016 $115,62* $124,763 119-JM 10/01/2017 $9,143 Hip Asphalt Shingle LOW(<10) ll SCHEDULE OF COVERED PROPERTY Continued unit* Description Year Built:Eff-Oate Building Value Total insured value Address Const Type. Terra Date ContentsValue Roof Shape Roof Fetch ItoofCovering CoveringReplaced RflflfYrBft 023 pernor pwkPtowrawi 6701 SW 67th Avenue 5o»Afi«uTOtfL33MJ 1577 10/01/2016 526,000 $26,000 . 102-WTO 10/O1/2O17 SP H/A «/A N/A 024 67015W67th AnsBie 5bifihMsMn,FLS3143 1*7J 10/01/2016 $i3,qoo $13,000 102-prra 10/01/2017 $o H/A N/A ft/A 025 670lSWfi7th/tf«iue South M»tw^FLS3143 197a 10/01/2016 $16^900 $16,900 102-prro 10/01/2017 So N/A N/A N/A 02« 'Mfovtutu?RestTKc*attg 67013W67th Avenue; South Min!^ft 33143 1977 10/01 /2016 $B4,608 • $34T6W 119-JM 10/01/2017 $0 Flat Built up roofwithgravel LOW (<10) 027 .Mmer Reft •CcKWmtooSld| fiTOJSWftTth Awiue SatflhttiOTivFL 33M3; 1977 10/01/2016 $54,000 •.•• $54,000 119-4«iO/01/2017 ,$0 Flat Built-up Tar ft Gravel Flat 028 Sou*Man*,FL 33143 1989 10/01/2016 $28,665 $28,665 119-JM 10/01/2017 $0 ;fi'm.Built up roof with gravel (JQW(<10) 02*6S0QSWSftth Street S*rfrMi*m,ft 33143 19B8 10/01/2016 $13;poc $13,000 102-WTO 10/01/20l7 $o ;N/A-:.MM H/A 030 Vmm PwK..FtaypQupdand &rt«Sft 6SBSWS6*Street SaotfcttwrstFL33143 1988 10/01/2016 $34,125 $34/125102-rtiTJ 10/01/2017 V$o N/A MM H/A 051 6IOOSW5ftih Street South Mara,FL33W 1990 10/01/2016 $52,000 $52,000 ...::•102-PTTQ 10/01/2017 •so H/A N/A ft/A 052 SoiAhMak^.FL33*43 1990 10/01/2016 $7,aoc $7^800 102-P1TO 10/01/2017 $o H/A H/A N/A 033 Iftwcr Pafc.MOift«Sft fffc*nifidk 6K»SW5tth Street SmrtftMana.FL33145. 1990 10/01/2016 $3,9« $3,900 102 -WTO 10/01/2017 $c N/A N/A H/A 12 SCHEDULE OF COVERED PROPERTY Continued Unix.9 Description yearSutlt Of.Date BuildingValue Address Certs*Type Term Date contents value Roof Shape Roof Pitch RoofCovering Covering Replaced RwifYrBtt 034 5800SW 66Street South Mana,FL 33143 1990 10/01/2016 $2,000 $2,000119-JM 10/01/2017 so GaMe end without bracing AsphaltShingle LOW(<ID) 035 MjowPwfc /CORKmaAp Cufcir 670l5W5BPuBe South Marai.FL 33V» 1985 10/01/1016 $360,000 $360,000 111 -MNC 10/01/2017 SO pyramid SteeL -Standing seam Medium (1010 30) 036 BGWBB?**' SfiUthMumi.FL3M43 19S5 10/01/Z016 $271,680 $271,680 119-JM •10/01/2017 $» Pyraond steel-Standing seam Metfuon (id to 30} 037 «to/F^$uhifetftan S97S Sunset Orive South Mfana.FL 33143 1991 10/01/2016 So $32,500 119-JM 10/01/2017 $32,500 GaWe em*without tuaring Asphalt Shingle LOW(<10) OSS OByHjU/Poitou 61SDSunaet Drive South MoraLFL 33143 1956 10/01/2D16 $3,839,900 $4,235,372 119-JM 10/01/2017 $395,472 Flat Quitt uproofwithgravel LOW(<10) 039 SStratfvttaBto 6130Sunset Onw South MtaraiFL3314S 1935 10/01/2016 $420,1*0 $476,886 119-JM 10/01/2017 $56,708 Hip Asphalt Sh'ragle Medfuni(loto30j 1 040 Sarin MMmfCbmi Cuitor /Gym 5900SW 66 Street South Maura.FL 33143 2003 10/01 /2016 $3,218,560 $3,608,561] 111-MNC 10/01/2017 $390,000 Flat Builtuproof with gravel LOW (<10) 041 JfMWalantt/Qizetto 7Z2D5W61si Court South MBia,FL33t43 1991 10/0112016 $19,500 $19,500 ioi -Frame 10/01/2017 $0 Pyramid Asphalt Shingle Medium (10 to 30} 042 61215W 63Street South Morai.FL 33143 1991 T0/Q1/2016 $65,000 $65,000 152-HC 10/O1/2O17 $0 pyramid Asphalt Strings Unknown 043 ftenbii w«Bw»«»l*k/Wmcwodiwl wt»s»t 6121 SWfiB Street South Mam.Ft 33143 1991 10/01/2016 $32,504 $32,500 102-PJTO 10/01/2017 $9 N/A N/A N/A 044 MBntaawBtonKsPBk-iTfeenfecar* 6121SW 68 Street South MbkbLFL 33143 1991 10/01/2016 $52,001 $52,000 102-PITO 10/01/2017 $* N/A N/A N/A 13 SCHEDULE OF COVERED PROPERTY Continued unk# Description Year Built Erf,Date BuildingValue Totat insured vaBue Address Const Type Term Date Contents value Roof Shape Roof Pitch RoofCovering Covering Replaced Roof Yr Bit 045 QklSuutFrawfy 6603 SW6t>Street South JSma.FL 33143 1965 10/01/2016 $234,060 $234,060 119-JM 10/01/2017 So Hip Asphalt Shingle Medium (to to 3fl) 046 MWftt&flw S829S.W.n Street Southlftoral.a33143 2000 10/01/2016 $8,435,520 $8,435,520 131 -FR fO/01/2017 SO Flat Concrete Tile LOW (<10) 047 PbM>pj«tt»<*iatfa<> SWSStfiA«ttSWHJ9t South MuaaLFL 33143 1992 10/01/2016 $25,000 $25,000 152 -NC 10/01/2017 $0 Pyramid Asphalt Shingle Medium (10 to 30) 048 6724SWS9 Plane South MtaRa.FL33143 1980 10/01/2016 $0 $26,000 119-JM 10/01/2017 $26,000 Flat Tar and Gravel LOW {<10) 049 BttSfoflt*? H Side efSunset Or8 Appro*5W 60 Aw SotAhMnni.FL 33143 1992 t£>/0l/2016 $50,000 $50,000 152 -HC 10/Q1/2017 $o Flat Light Metal Panefis LOW {<10}1 050 «»3»£tflr H SiosefSunset Or& Appras WOft W of SW67Aje SouthM»nwFL33143 1992 10/01/2016 $50,000 $50,00C 152-MC 10/01/2017 $0 Flat Li&htMetalPanels LOW(<10) 051 S5«fe ofSonet D>8 Apana tOOftEofSW67 tox SauthMunx.FL 33143 1991 10/01/2016 $50,000 $50,000 152-NC 10/01/2017 $o Flat light Metal Panels LOW(<10) 052 5 SwfeofSunset Br & S tisori Gty HailSite(6130) South Mwm.FL 33143 1992 10/01/2016 $50,000 $50,000 152-MC 10/01/2017 $0 Flat tight MetalPanels LOW (<10) 053 Bo»$tna.W ESifcflFSW£t*e& Aparaa5W67St South Mania 33143 1992 10/01/2016 $50,000 $50,000 152-NC tO/01/2D17 $o Flat Light Metal Panels LOW {<10) 054 Wrmpsftfitfj.spteft pad.fisstrcam 61215HfifthSreet SsafihMBM».a33H3 2014 10/01/2016 $1,384,411 $1,384,411 119-JM 10/O1/2017 so Flat Builtup roof withgravel LOW (c10) 055 638DSW7B Street SouthM»a,a33H3 2015 10/01/2016 $4,47! $4,475 102 -PTTO 10/01/2017 $C 14 SCHEDULE OF COVERED PROPERTY Continued Unttff Description Year Built FJT.Date BuildingValue Total insured Value Address Const Type Terra Date Contents Value Roof shape Roof Pitch RoofCoveringCovering Replaced Roof Vr Bit 056 6130Sunset Dmo South Mnrr«\a33143 2003 10/01/2016 $160,503 $16D,5O0 119-JM 10/01/2017 SO I Totat:$21,701,260 Si,051,677 1 $22,752,937 15 PROPOSED INLAND MARINE COVERAGE Insurer:Preferred Governmental Insurance Trust Description of Property:Values of Insurance: ParkingMeterEquipment-Blanket Unscheduled $417,896.00 Subject to $25,000 AnyOneItem Excludes Watercraft Causes of Loss: Special Form:Excluding Flood and Earthquake 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 16 PROPOSED CRIME COVERAGE Insurer:Preferred Governmental Insurance Trust Type of Policy: Combination Crime Limits of Coverage: Coversloss of money,securitiesandother property by employee dishonesty atall premises of the insured. Coverslossbyforgeryoralterationofchecks,drafts,and promissory notes(exceptbyanemployee)thataremadeor drawn bythe insured or hisagent. Covers againsttheft of money,securities,or property by usinga computer to transfer covered property fromthe insured's premises or banktoanotherpersonorplace.Nocoverageisprovidedfortheftof information orfor computer vandalism. Theft Disappearance or Destruction Other Coverages Available: D.Robbery andSafe Burglary E.Premises Burglary G.Extortion H.Premises Theft and Robbery Outside I.Lessees of Safe Deposit Boxes J.Securities Deposited withOthers Deductibles: Employee Dishonesty Forgery or Alteration Computer Fraud Theft,Disappearance or Destruction $1,000 $1,000 $1,000 $1,000 17 $10,000 "$} PROPOSED GENERAL LIABILITY COVERAGE Insurer:Preferred Governmental Insurance Trust Type of Form: Commercial General Liability -Occurrence Form Limits of Liability: Bodily Injury &Property Liability Products/Completed Operations •Ms-fee-v:,^m*£^mtm?;^^ Personal Injury &Advertising Injury Damage to Premises Leased/Rented to You Bodily Injury and Property Damage Deductible N/A Per Occurrence HigherLiability Limits maybeAvailableUponRequest Exposure Basis: Municipality Payroll $4,303,578 Be sure toget Certificates of Insurance with "Adequate"Limits and Coverage from Subcontractors,to avoid being charged as though Subcontractors were your Employees. Coverage Enhancements: Herbicide&Pesticide-$1,000,000AggregateLimit Sewer Backupand Water DamageLimit-$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 18 PROPOSED EMPLOYEE BENEFITS LIABILITY COVERAGE Insurer:Preferred Governmental Insurance Trust Coverage Form: Occurrence Limits of Liability: Deductible: N/A Employee Benefits Liability: 19 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: Tr >Class Law Enforcement f Basis Number of Officers 20 Amount 48 Full Time 1 Volunteer PROPOSED COMMERCIAL AUTOMOBILE COVERAGE Insurer:Preferred Governmental Insurance Trust Limits of Liability: Personal Injury Protection (Florida No-Fault) Medical Payments Uninsured Motorists Non-Stacked *All New or Replacement Vehicles Must B* Reported Immediately soasto avoid any possible gapin coverage Auto Symbols 7&8 HigherLimits ofLiabilityMayBeAvailableUponRequest Description of Vehicles: Please See Attached Schedule of Automobiles which indicates those vehicles that include Comprehensive and Collision Coverage Enhancements: •HiredAuto Liability •Non-OwnedAutoLiability •HiredPhysical Damage Limit:$75,000 Subject todeductible NOTE:Thevehicleslistedonthispolicymustbeownedby,titledtoorleasedtotheNamedInsured. 21 VEHICLE SCHEDULE Unit*Make Model/Description Department ALEff liii Coll Valuationif| Type 1QtoYearVIN#Vehicle Type ALTerm CoSIOed CollEff kPORptd 001 Stm CinrTrfr 10010016 N/A NM MA118B712S7Tralter-ND 10O1O01? 0Q2 Recycle Track lOJBIODfEt $1,000 1O01£016 10IDIO017 AcbialGasftl $aiJK».1 1690 7182 Heavy Truck 1MJU2D17 D03 BucfcetTruck IMttSBIB MA118130411HeavyTrack10010017N/A MM 004 Truck 100122016 jwSIcS|$30,000120011520HeavyTrack1001001751,000 10010016 101018017 005 Pickup 1MHJ2016 mi AcSa^Cash|$10,000120013202iigMTrue*10010017 51.000 1001/2016 10010017 008 Vofoa>WXR84 ^smmmiiwmtmwmm 1 2003 4V2ECeUEG3«3484fld Garbage Track 1MHC017 (1,000 10*01/2016 10010017 Actual Casih|$36,000 $32,000 007 Trasti Track •TS5^ii3ffiliiSEf>Si 11;WM 1 2065 7533 Garbage Track IQQIOOt?$1,000 101010016 iuavffit AduaiCash| 008 Trash Crane 1001QD1B 101010016 iofaiaai7 iSaaTclSf $32,00012004682GaitageTruck10010017$1,000 009 Fad F458 BucfcetTruck 10O1O01B 100102016 ianiaai7 AdtualCaShil jSEcSf $28,000 $10,000 1 2004 6740 Heavy Truck 1GWU2D17 $1,000 Q1D Traier 10KHOD1G $1,000 mit/Hf iSoiioir120041773Trailer-NO 1MHGD17 011 Fad Oram Victoria Police 1MHGD15 N/A MA MA119978803PoGceCar101010017 012 3VmOpfe ^^ffl^l^^K®^^@l!lSliiilSSSil?£l 1 2814 4182 Extra LioW Service 013 Garbage Truck MonPofoe 1001/2016 1 207J4 5VCEC8lF24H2H)fl02 Garbage Track 1OB1O01?$1,000 1Q&U2016 10010017 AcSalCsSf $35,000 014 Fad Crown VEcfaria Pcttce 10010016 10010016 laoioarr AduaibasJi|$10,322120058246PofceCar1U01O01?$1,080 015 Sweeper 1U01O016 1 1807 2272 HeavyTrack 10W1OD1?N/A MA MA Olfl Fad Ranger Pbc&wi 10010016 N/A MA MA 1MHJQQ17 MA Actual Cadil Adu^CadTT $19,322 1 1807 483 LightTruck 10010017 017 Fad Crown Victoria Police 10010016 SJgKp 1 2005 8247 PdiceCar 10MGD17 $1,000 looiaoie 018 Pickup 10010015 N/A118885084tightTruck10Q19D17 oig Fad CrownVictoria Police 10010015 1 2005 8249 Police Car 1001001?$1,000 ioroi/2016 rSiSr ^^^ 020 Fad CnmnVictoria Police lOMOOIS 1 2005 8250 PcSceCar •l-U^JMB^oiMtU^iE^t^^ 021 Fad Crown Victoria Police 10810016 ^^^^P^A^^^^^^^^^1 1688 7545 PdJceCar 10010017 022 Fad CrownVictoria PoGoe $18.322120058252PoGceCar 023 Fad CrownVictoria Pdioe 10010016 HHMMMH. 1 1888 7547 PoficeCar 101010017 N/A MA 22 VEHICLE SCHEDULE Continued Unit*Hake HadeUQescriptioTi Department ALEff Coll mSt tPDHptd 523,000 Wa Year VTN#Vehicle Type AL Terra GoflQetf CoOEff 025 Ford F250Pickup Police 1O0UZO16 10010016 301010017 AdhScaSp12QD50300PoliceCar1001/2017 $1,000 026 1 Fold EJpedSari 1Q01/ZD16 10010017 $1,000 10002016 10JQ1O817 AriuaKJashj2005B547LightTrack 027 Trash Truck •B 20D7 7280 GarbageTrack 028 Ford F250 Pickup 1 1889 1500 LightTruck 1Q81O01?N/A NBA NA 028 Trash Crane 10010016 liHSB $10,000121008038GarbageTrack1O01OD17$1,000 10010016 1DJ01CT17 Actual Cash! 030 Fold F150 Pickup 1B01OD16 1 I860 1507 LiehtTrock 10010017 N/A HGA MA Actual CastiF $21,500 031 Foid Ranger Pockup 10010016 $1,000 1001/2016 101010017H20060007LiehtTrack10010017 034 Font Crown Victoria Pdfce 10010016 $1,000 10010016 101010017 ActaalcSp $22,0001120083703PoliceCar1Q01OOT7 035 Fad CrawnVstoria PoEce 10010016 mmimm® 1 1889 2304 PoficeCar 1Q01OD17 03(7 Ford Crown Victoria Police ^^^BSSX^IiilESMa $aB| $5omj 1 2900 3784 PoliceCar 038 Fad Crown Vectoria Police 1 2008 3781 Police Car 039 EC015 Pass Van 1 1868 8480 Bus <2D Pass*No 1100100171 N/A 1 MBA.1 NW.1 1 042 Fad Crown Victoria PoCce lESEffliffillllKMaiilSlSi islllillisIII 1 2000 3756 PoliceCan 044 Fad RangerPickup 1 2007 8605 LigtitTrack 10010017 $1,000 ]1001/2016 101010017 Actual Cashl $10,800 045 Grew Cab Track 10010016 ^BTSB 101010017 AcfeiXcaShj120071FFWW30P17EA4733LJDjhiTBUck10010017 046 Fad F250Pickup WEMzmigmifg^wsvZ'x NA123011250MsMTrack1001130171WA""['"HBA" 047 Fad Clown Vactaria 'Pcfice 1D01OD16 10)010017 101010017 10010017 10KHGD17 AcfciatCaSir $25,00012D074570PoliceCar1D01O017wlnoo™1 iixnjao? 1001/2016 iow/aai6 048 Trash Truck 10010016 00 Acbs^Ca^Tr jffiSSoSp $«w0Q8 $28,000 $30,000 $25,000 1 2007 5782 Garbage Track 10010017 w 049 &45Q Pass Van 10010016 IKS SO12)07 8867 Medium Truck 10010017 $1.C 050 Fad F250 4X2 Truck 10010016 I^C'^X ^Pliip^'W^-T? AcluScSiP120008133MsfatTfuck10010017$1,000 10010016 051 Fad CnnrnVjctoria PdTce 02010016 $1,080 1001/2016 10101001712007280PoliceCar10010017 052 Fad Crown Victoria Police 10010916 1 2007 201 PoliceCa/ v^HxmmmsmsmmMmmmi $25,000 093 Pickup T 2001 3283 LiQhtTmck ||1Q0U2D171 N/A |MA 1 NJA || 23 VEHICLE SCHEDULE Continued Unit*Make Model/Descripbo^Department AtEtT APORptd Q*Year ViN#Vehicle Type AL Terra CollOi CollEff Coil Valuation 1Tvpe1 054 Ford Crown Victoria Police 1O01OO16 1 2007 202 PoSceCar | IZKB^mmmmmxmmmmm msmmmmmmd055Cnevrote*S-10 1 1884 8487 LtgfrtTruck 1Q01OO17 H/A \ MA MA MA MA 058 Ford Excursion 10010016 1 2001 7437 LightTruck 10010017 N/A 057 Ford Crown Victoria Police 1O01OO16 1QSJU2016 1QJ01O017 ill! $25,00012007283PoliceCar10010017$1JKN ,Actual Cash| 058 Ford CravwiVhcboria Police 10010016 N/A120013403PoliceCar10010017 MA MA 058 Ford Crown Victoria Police 1001/2015 •016 IBJOlOOTT Acta12007264PoliceCar10010017$1,000 100V ICashl $25,000 080 Ford Crown Victoria PoBoe 1O01OO16 H^Hii^ 1 2007 1844 Police Car $25,000 082 Ford F450 Super Pkkup 1 2B07 7483 Medium Truck 1O01OO17 $1,000 10010016 100100171 Actual Cash $10,000 083 E-350Van 10010016 $1.00 i iamooi6 lOT^17|AcScash $20,000 $24,000 1 2008 8178 LiBTitTruck 1O01OO17 084 Ford Crown Victoria Police 10010015 1 2001 3400 Police Car 10010017 N/A w K 085 Ford F250Rckop 1O01OO1& $1,000 10010017120084733UfitftTnick1O01OO17laorUSDie Actual Cash 068 Fad F250P**up Police 10010016 wM iH •HI ••I111III 1 2001 8077 Police Gar 10010017 N/A MA MA 087 Pickup 100119016 N/A MA MA118077334UgfifTruck10010017 080 Trash Truck 10O1O015 D 1DSMO016 1DJD1O017120088168GarbageTruck1O01OO17$1.00 Actual Cash $45,000 060 Pickup 1O01O01& 10910016 10010017 Actual Cash $22,000120084732LftjNtTruck10010017$1.000 070 E35GVAN 1O01OO16 S1BIE BBSS SB-Bf 1 1881 153 tigMTruck 1O01OD17 N/A |MA MA 1 071 WalerTrack lEESESaiOSSSSSilSn s^3E2iSbDm ES202Sk^KSEEn2120006415HeawyTruck10010017$1,000 loraii 072 15 Pass Van 1Q01OD16 ir^tCT^|iunSi7 Actual Cas*1 2008 8821 Bus <2Q Pass,No 1D01O0T7 $1.00 073 15 Pass Van 1O01OO16 1 2QD8 6820 Bus<20Pas5vMo •WWMM<,»JtWiMiIMMUWiWWBa 074 Fad ExpecTKon 1O01OO16 0120086886LfftttTruck10010017$1.00 075 15 Pass Van 10010016 t^^^L^1 2809 8630 Bis <3>Pass*No 10010017 078 Fad Crown Victoria Police ||[?!TrfCT? 1 2008 1417 Police Car ^^^ISilBSSBBB070FadCrownVictoria 1 2Q10 7B08 Heavy Truck |8l»'.'tr/.-i5ri Bifiym IS £2 llj^ymj lESSjggj 24 VEHICLE SCHEDULE Continued :«nlt#;Hake Model/Description :Deparintent.ALHf Ccfl<»*Year:IAN*Vehicle Type ALTenh CoBOed Cafi *APORptd ..MO.F«*F2J50\10010016 illl^jlp AcbialGas^t•i..2000;1381 MBtAXriifik 1001/2017 Jt.OOOv.1*010016 10010017 $25,000 081 .GarbageTruck.iT^p^rn^^jgTH^t^^?:-ri !^vnTi^a gMtifSP $40,000 ;K5.34Q ;-i;.izooa;.'8402 Garbage Truck | 083 .Fad Cro>fnVlctoraPb!k»ln6^^10010016 S^ligiiig^ii;:fc &j*T ^Ajif^"v^i4i#i+f^cerCair.;10010017 ow .Had ;:abw£vici^..JSSSBmMmmssmspsil vt::sifO 3^r^WAXl4148«^~PitfceCar 1O01O01?•31.000 109112016 1QJD1QQ17 ^Seasri|$25,340 085 Fad .GfowrVVtctcrata 10010016 ^$lSr !MrS6 ^Effism?^Sc^j'£•'".2010 ,j^P7B#U?^^F&iceCSr 10010017 ,'z&MQ 088 £«*;\GfcnmVfal^10010016 lttQl/2016•i;20ID-V ^NSPi&hMwm Police Car 1001/201? ^^^^n itmS Ac^alCash ^c^Casl -$S5i340 087 Fad •CtamV&nra iPd^fcterc^jtor.;"EES1B1IIIypaPlETiSl liisiis 1 izoioJ 2FABP7BV8AX141493 PdiceGar 1001/2017 ^:$liOBO-r iojoiGuig 7ij$?ip4a 088 .-Fad'"Ctawn Victoria Policed .10010016 tmmm 1 :,:2DH|:'2FABraWri5A^^PcrtceXJar:';:^$25,340 DOS ."rtbfd*CrownVjdofia Ptotice &rfercfiptor -' 1 :2BfD 2FABP7BV0AX1414BS P«k»Car:|io0iooi7,|,$1:000 i .109112016 iHB&gi?.yVcbaJCasr)$25,340 080 ..•"SEM;"E2 ES^SlSlifH^T"T laoisaiT Actual Casfi Willi '•t.";•&!••fiASCPGA42BFD55341 Extra UtftfSerwce |ii«iiooi?p«iOWv -10SHam :$14.57S 091 Fad Cfown.Vtctona1 EESHaililS 10010017 Actu^Cash SIJBjI 1 20*1 2FAB7BV5BX166604 Police Car 1101012017 ~jftooo 107010016 $31,478 002 Fad Crown Victoria 110010015 i^Mte 1-•20*1 2FABP7BV7BX18857S Police Car !rEffiJHill}l|liffiIiSilSI;fl Ifiiiif ::-$3i:4?B "V$3147B 083 Fad Grown VrotDda 1 •2011 2FABP7BV4aX169604 Police Car P»Fail Crown Victoria. :1:2011 2FABP7BV0BX18Q587 Police Car 10010017 $1:000.:10W/S016 100150171 ActualCash $31,470 095 Fad Crown Vtctctia 1001/2016 'iiwtxns ™K^p^^S.-vL =M*i 2FAtmV86£^45r PxdiceCar 1001/2017 z&jam.--IKffl.725 096 Fad Crc^wiVJrioria 10015015 ffiSSliSSSKS iilBSll •;i-->Mst 2FAfiP7BV0BX156596 Police Car irniif^ii^iiiifiiMiaiftiiiiiir^Tirfii l|44^BJl^!iS|Bgi:g|^ii§il|| iffli 097 Fad:Crotm Victoria; ''#.'"-ism".2FAaP7BV1BX186580 Police Car 098 •1- Fad ""-2013" .Gccmsine 15 Passenger Van 1FBSSfc^4fJOB3077«r""W' NonPofcce Bus <20 Pass,No [10010016 I^PJUPiMMi^^^PI^^MB liM^MilffiM :mm 098 Fad CrownATtrioria Police 1OCM2016 ••i.'•2011 "•2FABP7BV6eX157175 PofBce'Car-1O01OO17 •••:iflJWi-J UBOKIiOipmr 100 .f«4 Crown Victoria Police lanifloie 1 2011 2FABP7BV6BX157170 Police Car IE3^H01^iS[^[]£^KEEI££|$ML500 101 Fad Crown Vactoia Police 100tffl016(^^gj^^^^^g^g^J^^^^^^B0^W^ '-i'"*201i 2FABP7BV8flX15717?PafceCar |,••:$gai50Q 102 Fad .Crown Victoria Police i "2011 •2rfA6P7BvT&^ia^178 PoiiceCar: 103 Fad Crown Vrctoria Police 1 20*1 2FABP7BV38X157179 PoiiceCar SE|E2£j|lUiliil^udMmiwrxmrtt 25 VEHICLE SCHEDULE Continued Uort#Hake HodeVOesoqifion Department ALEff CollEff LPORptdQlyYearViN#Vehicle Type ALTerm CoODed ^cSil Valuation 1A 104 Fad Crew Victoria Police 1Q701O016 1 2011 2FAaP7BV2BX1625B3 PoGceCar |wmKm*MmmMKEEmMzm\ 105 Ford Ranger PickUp NonPofce 1O01OO16 1 1988 1FTZR11X6WrAo9708 Lfgftf Truck 10010017 tw w 108 Nissan AtttmaXE4or MonPoice 10010016 tm N» mm 1 2000 1N4DLO1O8YC212203 Private Passenger 10010017 107 Fad F25flPickUp Not Pare 1O01OO1B WA120041FTWW21P24EA042t6MottTradc1Q01OO17 MA MA 108 Chrysler 300 MonPofice 1O01OO1& KEA HEA120052C3JA43R75H5G5771PrivatePassenger10010017N/A 109 kktefnabonal Trash 10010016 N/A WA KA12Q0Q1HTMMAAR46H172BaiHeavyTruck1001/2017 111 <3WG Sweeper Scowace 10015016 KA12000J8OC4W16S97O01D7OMedturnTruck10010017N/A MA 112 Ford Cnmn Victoria Police ^BUBllillUlilB120102FABP7BV7AX142814PoliceCar 113 Auto Car ACX Garbage Truck 10010016 $Soffll $1,000 1 2013 5VCACR8FSOH215134 Garbage Truck 10010017 10010016 1O01OO16 10910016 10010016 iDJQia017 101010017 10I01O017 10010017 ActaaHCasrip AckrfCaaS| $184,442 $13,488 114 Fnefgjbl&her M2-10O Crane Truck Non-Police 1O01SO16 1 2013 1FVACXBS1DHFE4282 HeavyTruck 10010017 115 GEM 2P Non-Police 10010016 $1,0001201352CG2AGA3Q0003228PrivatePassenger10010017 118 Tandem Traier 1O0IOO16 Actual Casn J AcfexalCai&r lifts 1 2008 lS807X1888MBfi212&Trailer-KO 1O01OO17 $1,000 .10 $0 117 Tandem Traiter-Tandem -TagXB2331 10010016 1OT1^6[irOTuW7t2008IS807X1898M88212STra3er-NO 1O01OO17 $1,000 118 Trailer Traier-Back up irafler ESSEiJSKiSSW $0 $0 $0 1 2013 200904 Trailer-NO 1O01OO17 $1,000 1VDU2D1& 1001^16 100100171 Actual Casrtl 119 Tra&ff CVR 10010016 1 2008 1SQD7X1878U882130 Trafer-NO 1001001?$1,000 IQQIOOf? 101010017 ActualCasftl 120 Fad Crown Victoria 10010016 101010016119882FAFP71W&WX137543 Private Passenoer 10910017 $1,000 121 Tandem Traier 1O01OD16 1O01OO17 $1,000 1VB1O01& 1VD1O016 10010017 iranooi7 Actual CashP abSSgST $0 $0 1 2088 f5fi07ie0flM8S2128 Trailer-NO 122 Traiter Post 256-Tag#XB54B8 Police 10010016 1 2000 5RTBE1216BD023303 Traifer-NO 10015017 $1,000 123 TraSer Trailer-TBD -flack up trailer 1001/2016 1 2013 200905 Tra3er-WO ''•'•''-••'-'i^yii^$0 50 124 Trailer iicuei->our-actum uuadsitn iidnur PW 1 2008 Trailer-WD 125 Tracer it«n9-lotjt-owtccjievtny- --indzyvti&a _.._PW 110010016 |ffig|j^)^^^ffig|l|j^j|||^j||^^^^^ffi^g $0 $35,800 1 2013 213959 Tfa3er-NO CZ^aiif-llL^a^L,aaaif."[^l 128 Fori CrownVictoriaPeine Interceptor Police 1 2014 1FAHP2MT7EG120QOB Police Car 127 Fad CrownVictoria Police Interceptor Po&ce \ti.i .iu *\\mbw^'jMjjTf^p ffijj ^offf^j llfSillJlliin12Q141FArff*2MTO£G120Q09 PoficeCar Hl>','iU<'r.iBiL^A lUjygjjIjj HgtgtRlISElsSEai 26 VEHICLE SCHEDULE Continued «nitff Make Model/Description Department ALEff collar conQtyYearV1N#Vehicle Type ALTerm ColIDed Valuation! Tvne I !\PDRpfd 128 Ford CrownVictoriaPoliceInterceptor Police 10010016 $1,000 10010016 10010017 lisiiiilt 1 2014 1FAHP2MT7EG120011 Police Car 1O0U2017 Actual Cash|$35,000 128 Fad CrownVictoria Pdice Interceptor Police |•••••••••::;''r.f™-i.-mr,f".'';-:r..1 cit.?:.-.;:;•.•:r^V-D kV.-t'-'--:--'--'.'-Vi-3i1 $35,000120141FAWa2MT0EG12Q013PotkseGar| iSjsaiisipiii^®laawmms^m130FadCrownVictoriaPdrceInterceptorPolice| 1 2014 1FAW2IWrr5EG12Q01O Police Car 10010017 $1,000 10010016 10D1OD17 Actual Cash|$35,000 133 Fad CrownVictoriaPoliceInterceptor Police 1O0U2D16 $1,000 10002016120141FK5K8AR7EGC48837PoliceCar10010017 1OHHO017 Actual Cash|$33^20 134 Toyota Prius Code Enforcement 10010016 101010017 IBlii 1 2014 JTDXDTB32E1567850 Private Passenger 1O01O017 $1,000 1QU01OO16 ^aaa^S|$21,312 135 Toyota Prius Code Enforcement 10010016 1 2014 JTOKDTB30E1074B83 Private Passenger WPWP-^M.«MW.it,-.il.«l,.,IM..H».B»PtJW«»Vll1|M 138 Toyota Prius Co4e Enforcement 10010016 10O1OD16 10910017 Wh^l^S|^m31212014JTDKDTB38E1074332PrivatePassenoer1O01O017$1,000 137 GEM Bt PoTJce 10010016 $1,800 10010016 10010017 /SalCa^|^«4^11201452CG4AGA8E001D81BPrivatePassenger10010017 138 Ford Croon VictoriaPoliceInterceptor Pofice 10010016 «km&ikmmmmm. 1 2014 1FAtP2MnTC£G120012 Police Car wmmmmmmmmmmmmmmmm138tosaftertTrafficTrailerPolice 1 2010 1BQAF511XAP82535fl Trader 1O01OOT7 N/A MCA MA 1001/2016 MA 140 Kend Traier Pdtce 10010016 MA12011KT7X12D0180482880Trader10010017N/A $1,000 141 Fad Crown Victoria Police Interceptor Police 1001/2115 1OD1O017120151FAHP2MT8FG108228PoliceCar1O01O017 A^alCashj $38;B75 142 Fad CrownVictoria Police Interceptor Police HE5353B l^;Wv%&$&•<i&w %iz$m&1:&i^w®^^>?•'#?!•! 1 2015 1FAHP2MT8R5109231 Police Car 143 Fad Crown Victoria Pelsee Interceptor Police 1 2015 1FAW2MT6FG10S230 PoliceCar 144 Fad CrownVictoriaPoliceInterceptor Police 10010016 Acfcal&5ir ^8.075120151FAr932MTr3FG108227PoliceCar10010017$1,000 10010016 101010017 145 Fad CrownVictoria Police Interceptor Police 1001/2016 iHHl MSSS1 AcaalCa5hr $38J>75120151FAHP2MTXFG108228PoficeCar10010017$1,000 10OU2D1&10010017 146 Fad CrownVictoria Pofoe Interceptor Police IIE2E29 ^fui^Il]ffi£Zi$$B$W$&ilW fM$^W^&%W^ii 1 2015 1FU5K8ARXFGC517B2 Police Car 147 Fad CrownVictoriaPoliceinterceptor Police 10010016 1 2015 1FAW2MT2FG154147 Police Car 1O01O017 $1,000 10010016 10010017 148 Fad CrownVictoriaPoliceInterceptor Police 1O01O016 1001/2015 10010017 Actual Casri $30,702120151FAHP2MT4FG154148PoliceCar1O01OD17$1,000 140 Fad CrownVictoriaPoliceInterceptor Police 10010016 1 2015 1FArS3l2MK1FG154148 Police Car ||i'^ff^'\^if-^;oijj IfSSSSil ESS!III!illlHSISSIS IIB!HaiSKIli@IlII^i3i iiiSIHiSii 150 Fad Crown VJctona PoliceInterceptor Police 1 2015 1FAKP2MHO{FG154145 Police Car 151 Fad CrownVictoria Polsee Interceptor Police 1 2015 TBD Police Car 152 Fad CrownVictoria Police Interceptor Police 1 2015 TBD PoJkxCar H2SE3E |att**fr?i1IIOVMOI li&VMMi (liEELSa KS 27 VEHICLE SCHEDULE Continued Unit*Make MorieUDescrrprJon Department «•£«mm*i CollEtT 10010016 WDRpfd $24.286 $23,636 Qty Year V1H#Vehicle Type ALTenn CalOedl Coil 10D1O017 Vatuafiin N IVml ActoalCashF 153 Toyota Prius Code Enforcement 10016016 $1,00012Q1BJTDKDTB3SG1123838PrivatePassenger1O01OO17 154 Toyota Prius Code Enforceinert 10010016 n.oca 10O1OOI6 1001/2017 AcfejalcSr12018JTDKDTB34G1123ea9PrivatePassenger10010017 < 155 Ford Taunts Police 10010016 $1,080 10010016 10010017 101002017 1 2018 1FAf032lifl8GG116213 Private Passenger 10010017 Actual Cashl ActualCash $38,222 $38,222 $3flL222 158 Ford Taunts Police.1Q01O016 1 2018 1FAHP2MT1GG116298 Private Passenger 10010817 $1,000 10002016 157 Fad Taurus Police 10010016 1 2018 1FAHP2MTSGG11G218 Private Passenger |fcl.M;.ildaa»i«J« 158 Fad Taurus Police 1 10010016 i^i^^^^p^H^s^^^^^^si 1 2016 1FAHP2MTXGG116215 Private Passenger | cs^iiii:^i^imssii m^issA 158 Fad Taurus Police | 1 2018 1FAHP2MT4GG118212 Private Passenper 160 Fad Taurus Police 10010016 1SE1 1001/2017 ActoSfStsTtT120181FAHP2MT3GG116217PrivatePassenger10010017$1,000 1OO1O016 181 Fad Taurus Police 10010016 1 2018 1FAHP2MT86G11S214 Private Passenger 10010017 $1,000 iQsrwzoifi iSmffi^r/^aTCasxir XQ24 Fad GreimViiclaEi:PoDce P't^'iHI MBitWB$teC$£l£ii£l&&?i$lIM&lfl $10,322120050253PofticeCar1O01O016$1,000 IllSSi^SiX032FadCrownVictoriaPolice10010016 $22,000120083782PdioeCar X033 Fad CrownVictoria Police mmm 1 1888 2380 PoliceCar 1O.01OB16 N7A MA Ktfk MA XD38 Fad Crown VtJetoria-Pofice 10010016 N/A $1,000 KA 10010016 SBfeill 1 1880 2385 PoliceCar 10010016 XD4Q Fad Crown Victoria Police 10016016 10SHS016 ActoaJCashT 522JD0C120083780PoliceCar1001/2016 XD41 Fad Crown Victoria Police 1D01O016 MTFvvfT^M 1WC10015 ActoatGasTT $2^000 $22,000 1 2Q08 3758 Police Car 1001/2016 $1,000 TlD^DWBie X043 Fad Crown Victoria Pofice 10010016 ^fflCTW|ActodCa*r120083757PtiSceCar10010016$1,000 10010016 X081 Ford Crown Vislona Police 100122015 A MA «wT^^n[ $27,000 1 2001 3404 PdBceCar 10010016 m XD78 Fad Crown V«toria PoEce 1O01OO16 10002116120091415FdDceCar10010016$1,000 101015016 iiraiaoiB "AaaaTCasfil X077 Fad Crown Victoria Police 10010016 $1,000 10O1OOI6 Actual Casfi $27,00012Q081418PoliceCar1O0UZ01& XD82 Fad CrownVictoriaPoliceInterceptor 10010016 1001/2016 AduaScSq $25,340120101FABF7BV2AX141487PoliceCar10010016$1,000 1QOU2D16 X110 Fad CnovmViJrtona MonPcfee 10010016 $ijj 1 2009 2FAHP71V5QX121418 Private Passenger 1001O016 X131 Hariey Wotorcycte Poliee 10010016 Mm IPHEKiSSE 1 2014 1HD1FHM13EB825S88 Motorcycfe 10010016 VHftf AaualCasf^ X132 Hariey Moiorcycte Police |K M•!»^-^Mj^^~"^"^:i:rHg^i p;f^jh^lr!-^^tj^At^tarrjg |||plpggIIH120141HQ1FHM14B3824033MotorcycteICE22EIIBEnrj|IHj^j^yibittbfliu |E2EUSSa| 28 VEHICLE SCHEDULE Continued Unit*Make HodeUaescffpOon:OegraifaiMent ALEff m Year VTN#Vehicle Type ALTerm CcJIDed CallEff Coil [VaSuateon APORptd 1 Total I $3,706.1021 uxoaaJ w*M Vehicles Noted on Schedule as X024,X032,X033,X036,X040,X041,X043,X061,X076, X077,X082,XI10,X131,X132 havebeendeletedfromtherenewal schedule and rating basis. 29 PROPOSED WORKERS'COMPENSATION COVERAGE Classifications &Exposures: Premium Standard Limitsof Liability Increased LimitsofLiability Workplace Safety Program Credit $100,000/$500,000/$100,000 1,000,000/1,000,000/1,000,000 2% Experience Modification 1.04 mpm Certified Acts of Terrorism ^mm Expense Constant Higher Limits of LiabilityMyBeAvailableUponRequest Policyis Subject to Audit Additional States of Hire must be reported when payroll begins inthatState Certificates of Workers Compensation Insurance arerequiredonallworkperformedby persons other thanits employees Subject To: Signed PGIT WC Application SignedDrugFreeandSafetyProgramApplications 31 PROPOSED WORKERS'COMPENSATION COVERAGE Continued Note: This proposal isbasedon NCQ approved rates effective 01/01/2016.Ifthe pending NCCI rate changes beconrw effective onorbefore October 1,2016,the 2016-2017 coverageagreement will beissuedatthenewrates. However,IftheproposedrateIncreaseis effective after 10/l/16r thenour: a)1Q/1/16 to10/1/17 Coverage agreements will renew/be issued atthecurrent1/1/2016rates as quoted herein. b)2YrAgreements (10/1/16 to 10/1/18),will nothavetherateincreaseapplied until the 10/1/18 Renewal IMPORTANT NOTE: Thisquote covets two(2)annualtwelvemonthperiods,from 10/01/201612:00:00 AM to10/01/201712:00:00AMandfrom10/01/2017 12:00:00 AMto 10/01/201812:00:00 AM.The following conditionsapplyfnadditionto all otherconditions of thisquote: A.AllAggregate limitsresetforthe period 10/01/201712:00:00 AM to 10/01/201812:00:00 AM.Losses app^ing tooneannual coverageperiodwillnoterodetheaggregatelimitsof anotherannualcoverageperiod. B.Thepremiumfortheperiod10/01/2017 12:00:00 AMto 10/01/201812:00:00 AMwillbedeterminedbasedonupdatedexposure values for this period. C.Ratesfor the period 10/01/2017 12:00:00 AMto 10/01/2018 12:00:00 AM will beidenticalto those for the period commencing 10/01/2016 12:00:00 AM,with premiums subject to the following: 1.NCCIExperiencemodificationfactorswillbeappliedas promulgated. 2.ChangestoScheduledProperty,InlandMarine,andAutomobile 3.Payroll 4.Number of Employees D.In the event ofcancellationofanyline of business within90daysafter the firstdayofeitherannual coverage period,the premium forsuch (ine<s)shallbe25%minimumearned.Intheeventof cancellation ofany line of businessfollowingtheinitial90 daysof eachannualcoverage period,,apenaltyequalto60dayspremiumofsuch line(s)ofbusinessshall become earned,anyprovisionof the agreement to the contrary notwithstanding. 1.Thispenaltyisearnedandpayableregardlessofwhennoticeofsuchcancellationisgiven,or effective dateofsuch cancellation. 32 A.M.BEST RATING OF PROPOSED COMPANIES COMPANY;\\c Kt4leQ¥EgjW V w j;jBeSt j^ti&g ajpiv^i-]^^ Preferred Governmental Insurance Trust Ace American Insurance Co. CommercialProperty,Crime, Inland Marine,General Liability,Law Enforcement Liability,Commercial Automobile Public Official/EPL Not Rated Yes A++XV Yes GENERAL RATING TheseratingclassificationsreflectBEST'Sopinionoftherelativepositionofeachcompanyin comparison withothers,basedupon averages withinthe Property-Casualty insurance industry. Theyarereflectiveofoverallcompany services andstandingwithintheindustry. A++,A+*** B++,B+** NR Superior Excellent VeryGood Not Rated B,B-*** C++,C+*** Good Fair Marginal FINANCIAL SIZE CATEGORY TheFinancialSizeCategoryisanindication of thesizeofanInsurerandisbasedonreported Policyholders'surplusplusconditionalorTechnicalReserveFunds,suchasmandatory securities valuationreserve,other investment and operating contingency fundsand/or miscellaneous voluntary reserves reported as liabilities. ($In thousands) Class I $Upto $1,000 Class E $1,000 To $2,000 Class m $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 VE $50,000 To $100,000 Class VHI $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 hasbeenprovidedtoyousothat consideration isgiventothefinancial condition of our proposed carriers.The financial information disclosed isthe most recent available to Brown and Brown of Florida Inc.-Miami Division. 35 COMPENSATION In addition tothecommissionor fees'received byusforassistancewiththeplacement,servicing,claims handling,orrenewalofyourinsurancecoverage's,otherparties,suchasexcessandsurplus lines brokers, wholesalebrokers,reinsuranceintermediaries,underwritingmanagersandsimilarparties,someofwhichmay beownedinwholeorinpartbyBrown&Brown,Inc.,mayalsoreceivecompensationfortheirrolein providinginsurance products orservicestoyoupursuanttotheirseparatecontractswithinsuranceor reinsurance carriers.Additionally,itispossiblethatwe,orourcorporateparentsoraffiliates,mayreceive contingent payments or allowances from insurers basedon factors whicharenot client-specific,suchasthe performance and/or sizeofanoverallbookofbusinessproducedwithaninsurer.Wegenerallydonotknowif suchacontingentpaymentwillbemadebyaparticularinsurer,ortheamountofanysuchcontingent payments,untilthe underwriting yearis closed.That compensation ispartiallyderivedfromyourpremium dollars,afterbeingcombined(or "pooled")withthepremiumdollarsofotherinsuredsthathavepurchased similartypesofcoverage.Wemayalsoreceiveinvitationstoprogramssponsoredandpaidforbyinsurance carrierstoinformbrokersregardingtheirproductsandservices,includingpossibleparticipationincompany- sponsored eventssuchastrips,seminars,andadvisorycouncilmeetings,baseduponthetotalvolumeof businessplacedwiththecarrieryouselect.Wemay,onoccasion,receiveloansorcreditfrominsurance companies.Additionally,inthe ordinary courseofbusiness,wemay receive andretain interest on premiums youpayfromthedatewereceivethemuntilthedatethepremiumsareremittedtotheinsurancecompanyor intermediary.Intheeventthatweassistwithplacementandotherdetailsofarrangingforthe financing of yourinsurancepremium,wemayalsoreceiveafeefromthepremiumfinancecompany. Wholesale Broker/Managing General Agent:Public Risk Underwriters ThisintermediaryisownedinwholeorpartbyBrown&Brown,Inc.,theparentcompanyofBrown&Brown ofFlorida,Inc.-MiamiDivision.Brown&Brownentitiesoperate independently andarenot required to utilizeothercompaniesownedbyBrown&Brown,Inc.,butroutinelydoso.Inadditiontoprovidingaccess tothe insurance company,the Wholesale InsuranceBroker/ManagingGeneralAgentmayprovideadditional services including,butnot limited to:underwriting;loss control;risk placement;coverage review;claims coordination withinsurance company;andpolicyissuance.Compensation paidforthoseservicesmaybeup to15%ofthe premium youpayforcoverage,andanycompensationpaidforthoseservicesisderivedfrom yourpremiumpayment.Thefee,ifany,fortheWholesaleInsurance Broker's/Managing General Agent's services above is$No Fee. Ifwearebeingcompensated based uponafixeddollaramountorfixed percentage fee,meaningthatthe contract specifies our compensation andstates anywhere inthe document that additional compensation willnot bepaidtousoranyotherparty,anyadditional compensation tousoranyotherparty,including wholesale brokersorthirdpartyintermediaries,isstrictlyprohibited.Likewise,ifourcontractsetscompensationbased uponafixeddollaramountorfixedpercentagefee,andthecontractspecifiesthatadditionalcompensation shallbecreditedtotheinsured,anyadditionalcompensationtoanyparty,including brokers,wholesalebrokers orthirdpartyintermediaries,mustbepromptlyreturnedto you.Ifourcontractisnotbaseduponsuchfixed feeterms,noownedoraffiliatedparty,includingbrokers,wholesalebrokersor third partyintermediaries,may accept anytype of compensation without fulldisclosurebythe undersigned broker toyouofthedollar amount or percentage of compensation prior tobindingyourcoverage. Should youhaveany questions,or require any additional information,please contact thisofficeat 1-305-714-4400orifyouprefer,submityourquestionorrequestonline http://www.bbmsurance.com/customerinquiry.shtrnl. 36 at PROPOSAL VARIANCE Changes that needtobemade prior to binding: 37 MINIMUM AND DEPOSIT PREMIUM MINIMUM EARNED PREMIUM Thefollowingtermsareoftenmisunderstood,particularlyamonginsuredsorproducersnot accustomedtodealingwithsurpluslinesinsurance companies.Itisimportantthatthedefinitions are understood. MINIMUM AND DEPOSIT Thisistheamountofpremiumdueatinception.Althoughthepolicyissubjectto adjustment basedonarateperexposureunit,undernocircumstanceswilltheannualearnedpremiumbe lessthantheminimumpremium.Therefore,thepolicymaygenerateanadditionalpremiumon audit,but not a return. Ifsucha policy is cancelled mid-term,the earned premiumisthe GREATER of theannual minimum timestheshortrateor pro-rata factor,ortheactualearnedas determined byaudit, subject toa short rate penalty if applicable. MINIMUM EARNED PREMIUM A minimum earned premium endorsement canbeattachedtoeitheraflat charge policy oran adjustable policy.Ineithercase,this amount isthe LEAST thatwillbe retained bythe insurance company oncethepolicygoesintoeffect.Theamount retained wouldbethe GREATER of the annual earned premium whether calculated ona pro-rate or short rate basis,orthe minimum earned premium. FLAT CANCELLATIONS Surplus lines insurance companies normally donotallowflat cancellations.Once the policy isin effect,some premium willbeearned. If youneed further explanation,please do not hesitate to contact us. 38 CLAIM REPORTING GUIDELINES MakeBrown&Brown,Inc.awareofanyandallincidents immediately aftertheyoccur,whether itbeanautoaccident,atheft,slip&fall,evenaminorincidentthatappearswillhavenofuture activity.Donotwaitforapolicereport. Gatherasmuchconcreteinformationas possible.Forexample,policereports,company incident reports,conversationlogs,medicalsandpictures-anythingthatmayassistinthehandling of yourclaim.Sendthisinformationeitherbymail,e-mailorfaxto: 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 youhaveanyquestionsor incur anyproblems,please contact ourofficeandwewillbegladto assist youin any way wecan. 39 DEFINITIONS 40 il^&^ifciite^iifciiii^ m*:l$ •Hi &-y,i-tfyzr-zy? PROPERTY DEFINITIONS Mostbuildingandbusinesspersonalpropertypolicieshaveacoinsuranceclause, which requires theinsuredtocarry insurance equaltoatleastaspecified percentage of theactualcashvalueoftheproperty.Ifalossoccurs,and itis determinedthattheamountof insurance carriedislessthantheamountrequired,a penalty could be placed on the insured.(Example Attached) Whentheagreedvalueoptionisusedthecoinsurancerequirementis removed and the insurer agreesto cover lossesforitsagreedvalue.Asanexample,theinsured has property insured for $100,000 andthe agreed value isalso $100,000,if aloss occurs,anylossupto$100,000iscovered100%.When thisoptionisusedthe insuredandtheinsurancecompanyagreeonthevalueofthepropertybeforethe policy is issued.This option is usually assigned to one-of-a-kind property. Property canbevaluedinseveraldifferentways.Insurance companies commonly usetwo approaches to determine value,which also determines howalosswillbe paid:the replacement cost method andthe actual cash value method.Insurers consider replacement costofapropertyitemtobethecosttoreplaceitwithnew propertyoflikekind.Actualcashvalueis replacement cost,minusthe accumulateddepreciationforageandcondition.. Aninsuredcaninsureabuildingforitsfullvalueatthebeginningof.thepolicy year,but attheendoftheyear,itmightnotbe covered foritsfullvalue.This problem canbe corrected byadding inflation guard coverage.With inflation guard,the policy limitincreasesgraduallyduringthe policy termso that thetotal increase amounts tothedesired percentage increase attheend of the policy term. In addition tothe limits statedinthe Building and Personal Property coverage form,the policy hasa coverage extensions section andan additional coverages section.The coverage extensions section provides limited coverage for newly acquiredor constructed property,property of others,certainoutdoorproperty, and the cost of research and reconstruct information on destroyed records.When coverage is placed ontheallriskform,two additional extensions are added for property in transit and coverage forcertain repair costs relatedto damage caused bywater.The two additional extensions are covered by certain perils only.The additional coverage section providescoveragefor indirect lossesthat result froma directloss.The coverage appliestoremoval of debris,preservation ofproperty, fire department servicechargesandpollutantcleanupandremoval.Thecoverage extensions andtheadditionalcoverageshave limitations andare subject to certain conditions. Fire,lightning,explosion,windstormorhail,smoke thatcauses sudden and accidentallossordamage,aircraftorvehicles,riotorcivilcommotion,vandalism, sprinkler leakage,sink hole collapse and volcanic action. Fire,lightning,explosion,windstormorhail,smoke thatcauses sudden and accidentallossordamage,aircraftorvehicles,riotorcivilcommotion,vandalism, sprinklerleakage,sinkholecollapse,volcanicaction,glassbreakage,falling objects,weightofsnow,ice,orsleet,andwaterdamage(accidentaldischargeor leakage). |^|iiil|i|^|ffil|i|Excluding flood and earthquake. 41 EQUIPMENT BREAKDOWN DEFINITIONS Boiler &Machinery insurance covers direct damage to coveredpropertywhencausedbyacoveredcauseofloss. Coveredpropertyisanypropertythatisownedbythenamed insured orisin the named insured's care,custody or control andforwhichthe named insuredis legally liable.Acovered cause of loss isa sudden and accidental breakdown of the insured's boiler&machinery equipment orany part ofthe equipment described in the policy. Whichpaysthereasonableextracostincurredtoexpedite progress after a loss Coversaccidentstoobjectsatnewly acquired locations forup to ninety days after the named insured acquires the property. 42 GENERAL LIABILITY DEFINITIONS Coverage is provided for damages arisingoutofownershipor occupancy ofthe insured premises when maintained ina reasonable manner.Thisalsocoversdamages arising outof operations performed bythe insured business. Productscoverageisprovidedfordamagesarisingoutof products manufactured,sold,handledor distributed bythe insured.CompletedOperationscoversdamagesoccurring afteroperationshavebeencompletedorabandoned,orafter an item is installed or built and released for it's intended purpose. PersonalInjurymeansinjuryotherthan bodily injury. Coverageisprovidedforinjury resulting from offenses such asfalsearrest,malicious prosecution,detention or imprisonment,thewrongfulentryinto,wrongfuleviction fromandotheractsofinvasion,orrightsof private occupancy of a room.Coverage for libel and slander isalso provided inthe policy. Thiscoveragepaysfordamagesdoneinthe course of oralor writtenadvertisementthatdisparages,libelsorslandersa person's or organization's goods,products or services. Coverage fortheseoffensesis provided under advertising injurycoverageonlyifthey occur duringthe course of advertising the named insured's owngoods,products or services. MedicalPayments coverage pays medical expenses resulting frombodilyinjury caused byan accident on premises owned or rented bythe insured,or locations next tosuch property,or when caused bythe insured's operations.These payments are madewithoutregardtotheliabilityoftheinsured. Thefiredamagelimit provides coverage for fire damage caused by negligence onthe 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 tothe insured,coverage would be provided under the occurrence limit. 43 GENERAL LIABILITY DEFINITIONS Continued... Extendsyourcoveragetoliabilityassumedundercontract,applies tobothoralandwrittenagreementsrelatingtonamedinsured's business. Coversyourexposureforservingliquortoclientsor employees at companyparties.Appliesonlytofirmsnotengagedinbusinessof sellingorservingalcoholicbeverages. Intendedforfirms,whichperformworkorservices,ratherthansell orproduceproducts.Usuallyintendedforconstruction contractors,repairersofautomobiles,installersofproperty. Extendsterm "bodily injury"to mean injury arising outof renderingoforfailuretorender,duringthepolicyperiod;medical, surgical,dental,x-ray,ornursingservices,orfurnishing of foodor beveragesinconnectiontherewithorthedispensingorfurnishing drugsormedical,dentalorsurgicalsupplies (Under26feetinlength)Provides coverage for liability,which arisesfromany watercraft aslongas watercraft isnotownedby insured norbeingusedtocarrypersonsor property forafee. Intended toextendthe scope of "policy territories"to anywhere in the world.Limited to the activities of any insured who is domiciled inthe United States andthe original suit for damage is broughtwithintheUnitedStates,itsterritories,possessions,orin Canada. Amends definition of occurrence to;includes any intentional actby oratthedirectionofthe insured,which results in bodily injury,but only if suchbodily injury resultsfromtheuseof "reasonable" forceforpurposesofprotectingpersonsorproperty. Automatic protection for newly acquired organizations untilthe new organizations is specifically addedtothepolicyor90days, whichever occurs first. Includes asinsureds;(1)Any spouse of a partner concerning businessactivitiesofthe partnership and(2)any employee of the named insured while acting withinthescope of hisorherduties. Doesnotapplyto bodily injury or personal injury sustained bya fellow employee which occurs during the course of employment. This coverage is providedautomatically withoutanadditional premium chargeif coverage is canceled,not renewed,orthe insurer renewal with a later retroactive date.The basic extended reporting periodstartsattheendofthe policy period and last for fiveyearsforclaimsmadeagainstthe insured withinthefiveyear periodand reported tothe insurer within 60days after theendof thepolicyperiod. 44 WORKERS'COMPENSATION DEFINITIONS Thiscoverage agreement obligates theinsurertopayall compensation and otherbenefitsrequiredoftheinsuredbytheworkerscompensationlawor occupational disease lawofanystatelistedinthe policy.The coverage appliestobodily injury byaccidentandbydisease. Coverage(A)showsnodollarlimitforthebenefitsprovidedsinceany applicable limits would bethose established within thelaw.Benefits under Coverage(A)arepaidtotheemployeewithoutregardto fault. Thiscoverage protects employers fortheirlegalliabilityforbodilyinjuryby accidentordiseasetoanemployeearisingoutofandinthecourseofthe employee'semploymentwhennotcoveredundertheworkerscompensation law.Beforebenefitsarepaidunderthis coverage,the employee mustprove theemployerisliablefortheinjury. 1.Bodily Injury By Accident ThisamountisthemostaninsurerwillpayunderCoverage(B)forallclaims arisingfromanyone accident,regardlessofhowmanyemployeesare involved intheaccident.Thestandard limit is $100,000 foranyoneaccident, which can be increased. 2.Bodily Injury By Disease (Policy Limit) ThisistheaggregatelimittheinsurerwillpayunderCoverage(B)forall claimssustainingbodilyinjurybydiseaseduringthepolicy period.The standard policy limit is$500,000,whichcanbe increased. 3.BodilyInjuryByDisease(EachEmployee) ThisamountisthemostaninsurerwillpayunderCoverage(B)fordamages duetobodily injury by disease toanyone employee.The standard iimit of liability foreach employee is $100.000,which canbe increased. In some states,workers compensation lawallowsaninsuredto include or exclude Executive OfficersandPartners,orboth,fromcoverage.Adding this endorsement can designate the individuals not covered under the policy. Thisisafactorthatdealswiththeratingofthepolicy.The Experience Modification figureisbasedontheinsured'slossexperience.Thefactoris used to increase or decrease the manual rates of insurance. Thisprovidesworkerscompensationcoveragesiftheinsuredexpands operations into other statesnot declared atthe time the policy is issued or renewed.Ifthe insured electsthis coverage and operations begininastate listed under otherstates,theinsurer provides the same coverage as if thestate wasdeclaredinthepolicyatthetimeofpolicy issuance. Thisisa federal act,which is similar tothestate workers compensation act. The federal actwas designed to provide workers compensation benefits to employees whoworkinmaritime employment upon the navigable watersof the United Statesandwhoare usually considered outside the scope of state workers compensation laws.Whenthe USL&HWA endorsement isaddedto the standard policyitappliestoworkdoneinthestates scheduled onthe policy and extends the definition of the workers compensation law to include the USL&HWA. 45 UNDERSTANDING THE CLAIMS-MADE POLICY The claims-made insurance policy providesfinancialprotectionforallclaimspresentedduring the current policy year,providing the claim occurred afterthe prior actsdate. To understand the claims-made policy,wewilldefine: Current Policy Year: The policy year begins onthe effective date shown onthepolicyand expires onthe expiration dateallshownonthepolicy.The policy's effectiveand expiration dateschangewithyearly renewal ofthepolicy.The prior actsor retroactive dateremainsthe same,soyouare protected for incidents that occurred prior yearsbythecurrentpolicy. Prior Acts or Retroactive Date: Thisisthedate(shownonyourpolicy)thatdictatesifaclaimiseligibletobecovered.Any claimoccurringafterthisdate,presentedduringthecurrentpolicyyear,areeligibleforcoverage by your current policy. Supplemental Extended Reporting Period (Tail Coverage): Shouldthepolicybecanceledor non-renewed,youareentitledtopurchaseinsuranceprotection foranyclaimswhichmaybeafterthecancellationdate.Thepremiumchargedforthisinsurance isbaseduponthenumberofyearsyouhavebeeninsured(prioractsyears)andthelimits purchased. 46 <l.•JJ..IJ I >' s^p AUTOMOBILE DEFINITIONS Hififl m Theliabilitycoverageofthecommercialautopolicyprovides protectionagainstlegalliabilityarisingoutoftheownership, maintenance,oruseofanyinsured automobile.Theinsuring agreement agreestopaydamagesforbodilyinjuryor property damage forwhichtheinsuredislegallyresponsiblebecauseofan automobile accidentresultingfromtheownership,maintenance,oruseofa covered auto.The insuring agreement alsostatesthatin addition tothe payment ofdamagesforwhichtheinsuredis legally liable,the insurer alsoagreestodefendthe insured foralllegaldefensecost.The defense cost is in addition to the policy limits. CoverstheUabilityarisingout of theownership,maintenance oruseof automobiles. Coverageisincludedforvehiclepassengersunder No-Fault Law provisions. The insuringagreementstatesthatthe insurer willpayall reasonable andnecessarymedicalandfuneralexpensesincurredbyaninsured because of bodily injurycausedby an accident.The insured isthe named insured,theinsured's employees andguests,andany other person occupying acoveredauto.These payments are made without regardtofault.^ Protects insuredswhoarenot contributorily negligent against bodily injury caused by negligent under insured or uninsured drivers andhit- and-run motorists. Covers the liability fortheuse of hired automobiles in your business. Coversthe liability fortheuseof non-owned automobiles inyour business.Anexamplewouldbean employee usinghisowncaronan errandfor you. Pays forloss of or damage to automobiles from perils other than collision. Paysforlossofordamagetoautomobilesfromcollisionwithanother objector upset. Thebusinessautopolicyprovidesacoverageextensionifanautois insured for comprehensive or specified cause of loss coverage,which insuresagainstlossofuseofa covered autoonlyiftheautoisa private passenger typeautoandisstolen.The coverage extension paysuptoa dailylimitof$10andamaximumlimitof$300.Paymentsbegin forty-eight hours afterthe theft andends when the insured autois returned orwhen the insurerhaspaidthe insured fortheauto.For broader coverage,theinsuredcanpayanadditional premium forrental reimbursementcoverage.Rentalreimbursementpaysthecostof rentingasubstituteautofor replacement ofanycoveredautothathas suffered acoveredloss.Thedailyand maximum limit forthis coverage variesamonginsurers. 47 ftispti ISifSl mmmm ipiii mm$m& mmmm mmrnmm COVERED AUTO DESIGNATION SYMBOLS Any "Auto" Owned "autos"only.Only those autosyouown(andfor 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 policybegins. Owned Private Passenger "Autos" Only.Only the private passenger "autos"you own.This includes those private passenger "autos"you acquire ownership ofafterthe policy begins. Owned"Autos"otherthanprivate passenger "autos"only.Only those autos you own that are not of the private passenger type(andfor Uability coverage any "trailers"you don't ownwhile attached to power units you own.)This includes those autosnotofthe private passenger typeyou acquire ownership of after thepolicy begins. Owned "Autos'subject to No-Fault. Only those "autos"youownthatare required to have No-Fault benefits in thestatewheretheyare licensed or principally garaged.This includes those "autos"you acquire ownership ofafterthepolicybeginsprovided theyare required tohave No-Fault benefits inthestatewheretheyare licensed or principally garaged. IS! mi lit ili mm. litl life' Mm*. ill® life tflll IP mm life ill! Hi 48 Owned "autos"subject toa compulsory uninsured motorists law.Only those "autos"youownthatbecauseofthelaw inthestate where theyare licensed or principallygaragedarerequiredtohave and cannot reject Uninsured Motorists coverage.Thisincludesthose "autos" youacquireownershipofafterthe policybegins provided theyare subject to the same state uninsured motorists requirement. Specifically Described "autos".Only those autos described in ITEM THREE of the Declarations for which a premium charge isshown(andfor liability coverage any "trailers"you don't own while attached toany power unit described in ITEM THREE.) Hired "Autos"Only.Only those autos youlease,hire,rent orborrow.This does not include any "auto"you lease, hire,rentor borrow fromany of your employees or partners or members of their households. Non-Owned "Autos"Only.Only those "autos"youdonotown,lease,hire,rent or'borrow that are used in connection with your business.This includes "autos"ownedbyyour employees or partners or members of their households but only while used inyour business or your personal affairs: CRIME DEFINITIONS ecfinT/OV Alteration r#ft£r Employeedishonestyis considered tobea criminal act committedbyanemployeeactingaloneorin collusion with others.Theremustbeintentbythe employee tocause the employer alossandto obtain afinancial benefit for the employeeorsomeoneelse.Coverageisprovidedfor dishonestactsofemployeesofthenamedinsuredonly. Coverageinsuresagainstlossofmoney,securities,and property otherthan money and securities.The blanket formprovidescoveragefordishonestactsofallemployees. Thelimitforblanketcoverageappliesperloss,regardless ofhowmanyemployeesareinvolved.The scheduled form providescoverageonlyforthedishonestactsofemployees specificaUylistedinthepolicy.Onthescheduledform,a separatelimitappliestoeach employee Ustedonthe schedule. Forgeryisgeneratingadocumentorsignaturethatisnot genuine. Alterationischangingadocumentinamannerthatis neither authorized nor intended. Thisforminsures against losscausedbythe forgery or alterationofacovered item drawnagainstthe insured's accounts.A covered item might bea check,draft, promissory note,biU of exchange or similar instrument. Theft meansanyact of stealing. Disappearance is unknown causesofloss.Disappearance lacksthe elements of knowing if the crime wasa theft, burglary or robbery. Destruction istheloss of certain property,itis usually the result of another cause of loss. Section (1)of the form covers money and securities againstlossbytheft,disappearance,ordestructioninside thepremises.Section (2)coversmoneyand securities outside the premises in care and custody of a manager. 49 PREFERRED GOVERNMENTAL INSURANCE TRUST "Preferred" NOTICE AND ACKNOWLEDGEMENT OF FINANCIAL CONDITION Brown&BrownofFlorida,Inc.,-Miami Division,anditsparent company,Brown&Brown,Inc.(collectively "Brown &Brown")donotcertify,warrant or guarantee the financial soundness orstabilityofany insurance carrier or alternative risk transfer or pooling entity.We endeavored toplaceyour coverage withan insurance carrier with anA.M.BestCompanyfinancialratingof "A-"orbetter.*WhileBrown&Browncannotcertify,warrantor guaranteethefinancialsoundnessorstabilityofanyinsurancecarrieroralternativerisktransferorpoolingentityor otherwisepredictwhetherthefinancialcondition of anysuchentitymightimproveordeteriorate,wearehereby providingyouwithnoticeanddisclosureoffinancialconditionsothatyoucanmakeaninformeddecisionregarding theplacementofcoverage.Accordingly,withreceiptofthisnoticeyouacknowledgethefollowingwithregardto the placement andany subsequent renewal of the coverage indicated below: •Brown&Brown attemptedto present otheroptionsforyourinsuranceplacement,includingquotations withinsurancecarriersholdingan "A-"orbetterratingfromA.M.BestCompany,but wewere unable to securesuchaquote. •Coverageisbeing placed through Preferred Governmental Insurance Trust ("Preferred"),whichisasa Floridalocalgovernment selfinsurancefundestablishedpursuanttoSection 624.4622,FloridaStatutes,as such Preferred isnotratedbytheA.M.Best Company. •Preferred isnot subject tothe protections affordedbyanystateguarantyfundorassociation. •Thefinancial condition of insurance companies andother coverage providers including local government self-insurancefundslike Preferred maychangerapidlyandthatsuchchangesarebeyondthe control of Brown &Brown. •Youshouldreviewthe financial and membership information from Preferred andagreetoabidebythe conditions of membership established by Preferred. •Youshouldconsidertheinformation provided,includingthe Preferred coverage quoteand coverage placementandreviewitwithyouraccountants,legalcounselandadvisors. By:[NAME OF AUTHORIZED REPRESENTATIVE OF INSURED] Named Insured: Policy Number: Policy Period: Date of Notice: City of South Miami TBD 10/01/16 TO 10/01/17 08/17/2016 *A.M.Best Rating Guide:Rating for Stability:A++to D=Highest to lowest rating Rating for Assets/Surplus:15to1-Largest to smallest rating 50 Insured:CityofSouth Miami Insurance Coverage Review PolicyTermDate:10/01/2016-17 Please advise ifquotations for any coverage listed below arerequested: E=Exposure;C=Coverage through Brown &Brown (if indicated with an "L",such coverage is being provided on a limited basis through an extension or enhanced E c Q PROPERTY Y/N Y/UN Y/N Buildings BusinessPersonalProperty PersonalPropertyofOthers TenantsBetterments&Improvements Business Income/Rental Income ExtraExpense Leaseholders Interests Boiler &Machinery (Equipment Breakdown) Building OrdinanceorLaw A.LosstoUndamaged Portion of Building B.Demolition Cost C.Increased Cost of Construction Earthquake Difference in Condition Flood (Primary) Flood(Excess) Wind OffPremisesPower Interruption Overhead Transmission Lines Glass Spoilage AUTOMOBILE Auto Liability AutoPhysicalDamage DriveOtherCar Liability DriveOtherCarPhysicalDamage Hired/Non Owned Liability HiredCar Physical-Damage PIP:ExtAdditional,Broad RentalReimbursement(PPT) Rental Reimbursement (Commercial Vehicles) Uninsured Motorist Underinsured Motorist Garage Liability GarageKeepers Liability GarageDealersPhysicalDamage Truckers Liability Un-laden Liability Trucker'sPhysicalDamage TrailerInterchange CRIME EmployeeDishonesty(1stParty) EmployeeDishonesty(3rdParty) ComputerFraud/FundsTransfer ForgeryorAlteration SocialEngineering Money&Securities BONDS ERISA Bond Other Bonds E c Q LIABILITY Y/N Y/L//N Y/N General Liability Liquor Liability Employee Benefits Liability Errors or Omissions/Professional Liability Cyber Liability (1st Party) Cyber Liability (3rd Party) Intellectual Property Directors &Officers Liability Fiduciary Liability Employment RelatedPractices Liability ThirdParty Discrimination Owners/Contractors Protective Liability Pollution Liability (1st Party) Pollution Liability (3rd Party) Products Liability Product Recall Warehouse(orBailee's)Legal Liability Watercraft Liability (Hull &P+l) Umbrella/Excess Liability INLAND MARINE Accounts Receivable ValuablePapers BaileeCoverage Computer/EDP ContractorsEquipment Signs Installation Floater Mobile Equipment Rented/LeasedEquipment MotorTruckCargo Transit/Transportation Builders Risk/COC OceanCargo WORKERS COMPENSATION WorkersCompensation Other States USL&H Jones Act StopGap Liability Excess Employers Liability - AIRCRAFT Aviation-Owned/Non-Owned MISCELLANEOUS International/Foreign Exposures Kidnap &Ransom Travel Accident Credit Insurance Mold/Fungi EIFS Terrorism Subsidence/Sinkhole Thislistofinsurance coverage isforinformation purposes only andisnot meant tobea complete listforallyourinsurance needs.Theabove analysis isbasedsolely on information providedbytheclient.Coverageindicatedbyan "L"reflectscoverageprovided ona limited basiswhichmaynotbeasbroadascoveragepurchased onastand-alonecoverageform,andmay include lowerlimits,sub-limits,orfewcoveredperils. Insured Representative Brown&BrownRepresentativeSignature _SL Date•PlaceCompletedwithInsured Rev.04-26-16