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Res No 160-18-15193RESOLUTION NO. 160-18-15193 A Resolution authorizing the City Manager to purchase 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 Preferred Governmental Insurance Trust (PGIT) for Fiscal Year 20 18-20 19. WHEREAS, the insurance marketplace for Municipalities is limited; and WHEREAS, the City staff, through its Agent of Record, Brown & Brown, has solicited and has received independent insurance quotes 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; and WHEREAS, the City renewal quote from PGIT is for several lines of coverage; and WHEREAS, the City Manager recommends that the City continue coverage with PGIT 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 for 2018-2019 Fiscal Year based upon the current proposal; and WHEREAS, the City continues to receive the company's preferred rating because of the multiple lines of coverages, including a 5% credit for our Drug Free Workplace policy and a 2% credit for our Safety Policy; and WHEREAS, the premium amount shall be charged to departmental line items in their respective account numbers. NOW THEREFORE BE IT RESOLVED BY THE MAYOR AND CITY COMMISSION OF THE CITY OF SOUTH MIAMI, FLORIDA THAT: Section I. The City Manager is authorized to purchase the renewal insurance policy for PGIT 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 Insurances for the 2018-2019 Fiscal Year. Section 2. Severability. If any section, clause, sentence, or phrase of this resolution is for any reason held invalid or unconstitutional by a court of competent jurisdiction, the holding shall not affect the validity of the remaining portions of this resolution Section 3. This resolution shall take effect immediately upon adoption. PASSED AND ADOPTED this 4th day of September, 2018. Page 1 of2 Res. No. 160-18-15193 ATTEST: APPROVED: CITY CL'@Rj(""' p7; )j II f/ljf;)l,/JaJkI MAY COMMISSION VOTE: 5-0 Mayor Stoddard: Yea Vice Mayor Harris: Yea Commissioner Gil: Yea Commissioner Welsh: Yea Commissioner Liebman: Yea Page 2 of2 City Commission Agenda Item Report Meeting Date: September 4,2018 Submitted by: Samantha Fraga-Lopez Submitting Department: Human Resources Item Type: Resolution Agenda Section: CONSENT AGENDA Subject: Agenda ~em No:5. A Resolution authorizing the City Manager to purchase 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 Preferred Governmental Insurance Trust (PGIT) for Fiscal Year 2018-2019.3/5 (City Manager-Human Resources) Suggested Action: Attachments: Memo]GIT.docx Reso]GIT WL.docx PGIT Proposal.pdf 1 THE CITY OF PLEASANT LIVING To: FROM: DATE: SUBJECT: Background: CITY OF SOUTH MIAMI OFFICE OF THE CITY MANAGER INTER-OFFICE MEMORANDUM The Honorable Mayor & Members of the City Commission Steven Alexander, City Manager September 4,2018 Agenda Item No.: __ A Resolution authorizing the City Manager to purchase 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 Preferred Governmental Insurance Trust (PGIT) for Fiscal Year 2018-2019. The City staff and, through its agent of record, Brown & Brown, solicited and received renewal proposal 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 PGIT. The following table is the breakdown of the City's coverages and costs: PGIT Summary of Proposed Premiums: Property Coverage General Liability Automobile Inland Marine Crime/Fidelity Law Enforcement Liability Worker's Compensation ~OTAL $126,599 $106,802 $127,945 $ 941 $ 750 $ 115,936 $145,680 $624,6531 The City continues to receive the company's preferred rating because of the multiple lines of coverage, including a 5% credit for the Drug Free Workplace Policy and a 2% credit for the Safety Policy. Recommended Action: PGIT offers the most competitive rates. The staff recommends that the City renew its policy with PGIT for its property insurance including boiler and machinery; general liability insurance; automobile liability and damage insurance; inland marine insurance; crime/fidelity insurance; law enforcement 2 THE CITY OF PLEASANT LIVING Attachments: CITY OF SOUTH MIAMI OFFICE OF THE CITY MANAGER INTER-OFFICE MEMORANDUM liability insurance and worker's compensation insurance from PGIT for a total premium of $624,653. Proposed Resolution Renewal package from PGIT 3 INSURANCE PROPOSAL SUBMITTED ESPECIALLY FOR: CITY OF SOUTH MIAMI POLICY TERM: 10101/18 TO 10101119 DATE OF PRESENTATION: AVGUST17,2018 PRESENTED By: ROBERTIloLLANDER EXECUTIVE VICE PRESIDENT BROWN & BROWN -MIAMI DIVISION 6 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 asset5' -home, auto, watercraft and l~re. We {llso have an experienced employee benefits department who call 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 insurance proposal is prepared based Oil data furnished bv )IOU fOr our review. It i~' not to be construed as an exact or complete analJlsis of the policies or as legal evidence of insurance. It is olliv a brief outline of your insurance coverage and is fOr infOrmation purposes only. In the ellent of difference, the provisions of the policy will prevail. Please read your policy carefully fOr a thorough understanding of all terms, conditions and exclusions. 2 7 ACCOUNT SERVICING TEAM Robert Hollander Executive Vice President 305-364-7818 rhollander@bbmia.com Nancye Batista, AAI Commercial Lines Team Leader Account Manager 305-364-7816 nbatista@bbmia.com Alexandra Sarria Claims Representative 305-364-7812 asarria l@bbmia.com ' own &: rown 14900 NW 79th Com't, Suite 200 Miami Lakes, FL 33016 Telephone: 1-800-432-8844, (305) 364-7800 or (305) 714-4400 Fax: (305) 714-4401 3 8 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 o Public Official/Employment Practices Liability o Workers Compensation Ill. Summary IV. Tllustrations and Definitions 4 9 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. I 5 10 PROPOSED PROPERTY COVERAGE --------_._ .. _-_.. ----------- Insurer: Preferred Governmental Insurance Trust Location of Premises: Per Schedule Attached Description of Property: Blanket Building & Contents Limit, per attached schedule $22,763,841 Values Insured are Ultimately Chosen by the Client. In view of the continually changing cost of construction and bllilding material5, we strongly suggest that you review YOllr 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 F0l111 -Special Causes of Loss: Special Form: Excluding Earthquake/Earth Movement Coinsurance: Building & Personal Property: NI A Valuation: Replacement Cost Flood Limit: Per Occurrence and Aggregate: S I ,000,000 Excess ofNFIP Whether Purchased or Not 6 11 PROPOSED PROPERTY COVERAGE Continued Property Extensions of Coverage: For a full description of terms, definitions and conditions, please refer to the policy documents. Debris Removal· limit shown or 25% of loss, whichever is greater, per occurrence 7 12 PROPOSED PROPERTY COVERAGE Continued •.. Deductible: All Other Perils: Named Storm: Flood: Coverage Enhancements: $ 2,500 Per Occurrence -Building & Contents and Extensions of Coverage 5% Per Occurrence -Subject to $15,000 Minimum $2,500 Per Flood except zones A, V excess ofNFIP, whether purchased or not Boiler & Machinery -Limit: $22,763,841-$2,500 Deductible Per Occurrence NOTE: De/ached walls, fences, radio and TV antennas, trees, shrubs, plants Fee-standing property improvements stich as athletic equipment, windscreens, iightpoies, satellite dishes or signs are 110t covered unless ,17)eci/ical(v scheduled on the policy. Property and Extensions of Coverage include, but are not limited to the foDowing exclusions: "Emihquake/Earth Movement • TCITorism "Electronic Data • Electronic Date Recognition "Asbestos 'Pollution "Fungus -War, Nuclear "Ordinance or Law -Limited per Extensions of Coverage ~: 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 011 behalf of the members, payment to you for a covered loss will be reduced pro-rata based on the amounts of covercd loss by all members affected by the OCCUlTence. 8 13 WINDSTORM & HAIL DEDUCTIBLE SAMPLE ILLUSTRATION FLAT DEDUCTIBLE vs. PERCENTAGE Windstorm and Hail Dednctible This deductible would apply to a claim for damage caused by windstonn. Bi!ildfii.giRelil.!l~~.n:()/ltCQsi: . ,\FI)lfDlld ... 2°,to,J}c(1, '.3"%!Deik·. $.%iD~\I .. Bldg. #1-SI,OOO,OOO $5,000 $20,000 $30,000 $50,000 Bldg. #2 -52,000,000 $5,000 $40,000 $60,000 $100,000 Bldg. #3 -83,000,000 $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 (otal replacement value. 14 9 SCHEDULE OF COVERED PROPERTY ------------------ loc# Oucrlption .Addrol3S8 Const Type Eff. T~rm. Building C(lnt1:lnls O<lte Ville Value value 001 CM head start 6125 SN 68 Street '119-JM 1010112018 10/0112019 $471,200 $5,487 center South Miami FL 33143 002 PuIlHc Woo::s Office 4795 SW 75th Avef1U1~ 119-JM 10101/2018 1010112019 5281,200 $7,318 BUilding SouiltMiami Fl33143 003 StorageJft1otor Pool 4795 SW 75th Avenue 131-FR 10/01/2018 1010112019 554,000 $0 Offic;e South Miami FL 33143 004 Scli<l' Waste Bldg -5 4795 SW75th AV61ltle 152 -NC 101011201S 1010112019 $1B5,2....t;{} SO Bay Shop South Mia.mJ Fl33"143 005 City Garage 4795 SW 75th Avenue 111-MNC 101(}1/2018 10101(2019 $560,500 SO South Mlaml FL 33143 006 City's Repair Shop 4795 SW 75th Avenue 119 -JM 10/01/20t8 1010112019 $63,000 S59,267 South Miami FL 33143 007 Police storage BldQ 4795 SW 75th Avenue 119 -JM 10101/2018 10/0112019 $18,900 SO South Miami FL 33143 OOS Dante B. FaSt&1I 8600 Red Road 13'1 N FR 1010112018 1Of01r1019 $95,880 ;0 ParW Tennis Pro South Miami FL 33143 Shop & Resuoorn Bldg 009 Dante S. Fa':lcel! 8600 Red Road 152-NG 10ID11201B 1010112019 $65,000 SO Par~ -2 Gazetlos South Miami Fl33143 010 Dante B. Fascell 8600 Red Road 102-PITO 10101/2018 1010112019 $123,500 SO Part -6 HarTru South Miamj FL 33143 Temis Courts {$6,5OQ Contents 011 Dante B. Facsell 8600 Red Road lv,," PITO 10101/2018 1010112019 S104,OOO $0 Pam I Playground South M!ami FL 33143 (S6,500 Contents Included) 15 10 SCHEDULE OF COVERED PROPERTY LOt; .. UI$~I.aJ'ItIUU "'UUlIt~~ ... ..,1111\ 'YIIU t:U. UIlIII. ouum"y \,.UIll<;tUU::l DMe D," Value v(llue 012 O;;mte B, F~cell 8600 Red R<lad .u<-c .v 10fD112018 101{l112019 $28,665 $0 Pal1<: ~ 2 Racquffil>all South MIami FL 33143 <' ... ourts 013 Dante B. Fasce11 61500 Red Road 102-PITO 1010112018 1010112019 $1l000 $Q Park v 1 Basketball Soufu Miami FL 33143 Court ",. Dante.a. FasoeU· 1 13600 Red Road m-JM 1010'112018 10/0112019 $10,000 $Q Tiki Hut South Miami FL33143 015 Dante R Fasten 8600 Red Road 131-FR 10101/201-8 10/0112019 $63,000 SO Community Storage South Miami FL 33143 016 Fuchs Part Pav!fton 6445 SW 31 Street H11-Frame -10/01(2018 10/0112019 $31,000 $4,550 ($4550 Contenw South Mlanli FL 33143 Include{.!) 017 F\!chs Park ~ 6445 SW $1 Street 119·JM 10101/2.018 1010112019 $84,000 $0 Bathroom South Miami FL 33143 018 Fuchs park 6445 &N 81 street 102-PITO 10101/21J18 1QfQ112019 $70,769 SO Playground & SWing South Miami R. 33143 Sets 019 PalmerPmK-Field 6445 SW B1 Street 152-NC 1010112018 1010112019 $45,500 SO Storage Building South Miami FL 33143 020 Palmer Pam FoolliaU 6701 SW67thAvenue 119-JM 1010112018 1010112019 $75,000 545,730 storage Bldg Soulh Miami Fl33143 021 Palmer Pam Footbnll 6 (01 SW 67th Avenue 119-JM 101(11/2018 1010112019 $33,000 $19,500 Storage Room South MlamJ FL 33143 022 FaiRlee Pam Field 6100 SW 67th Avenue 119-JM 10/0112018 10101J2019 5115,620 59,147 House South Miami Fl3l143 023 PalmerPaJ1( 6701 SW 67th Avenue 102-PITO 10101f.!D18 10/01/2019 $26,000 SO Playgrouno South Miami Fl33143 02' Palmer Park 11200 ft 67Q1 SW 67th Avenue ,02-PITO 10101/2018 1010112019 $13,000 SO of 51t High Fence South Miami FL 33143 025 Palmel Park -1000 fl 6701 SW 67UJ Avenue 102-PITO 10101/2018 10/01(2019 516,900 $I) Of 10 ft High Fence Soulh Miami FL 33143 16 11 SCHEDULE OF COVERED PROPERTY l-OI;I<> Utl~11J.1l1UU AUUlltliitl \'I)U-\I\ IIIP!: CII. Itlllll. DUIi\lIlI!J 1..UUWIU1;i Dot, Oal, Vtllue VQlu~ 026 Palmer Park • 6701 SW 67th Avenue 119"Nt 10101/2018 101{]1J2019 $84,600 SO Ri?stroom Bldg South Miami FL 33143 027 Palmer Park· 6701 SW 67th Avenue 119 ·JM 1OJ0112018 1010112019 $54,000 SO Goncooskln Bldg South Miami FL 33143 02. Brewer Park • 2 63()O SW 561h Street , ... ,", 1010112018 1010112019 $26,665 $0 RacquetbaU CotIIt$ South Miami FL '33143 029 Brewer Park ~ 112 6300 SW 56th StrQat 102~ PITO 10101120113: 1010112019 $13,000 '0 Basketball Court Souih Miami FL 33143 030 BT~wefPark·· 6300 SW 56th Street 102·PITO 1010112018 10101i2019 $34.125 SO Playground and Sooth Miami Fl 33143 Swingl3e1 031 Bmv/ef Park· 2 6300 SW 56th Street 102~PtTO 1010112016 1QlQ112019 $52,000 ${) Tennis COUJtli-South Miami FL 33143 032 Brewer Park -460 tt 6300 SW 56lh street 102· PITO '1010112018 10/0112019 $7,81)0 00 Of 10ft High Fence South Mi~mi Fl33"143 033 Brewer Park -360 ft 6300 SW 56th Street 102· PITO 1010112018 1OKJ1f2019 $3,900 $0 or 5 ft High FEinoo SOUth Miami FL 33143 034 Murray Park -2 5800 SW 66 Street 119--JM 101011201$ 1010112019 $2,000 ${) Shade: Structures South MiamI Fl 33143 035 Murrny Parlll 6101 SW sa Place 111·MNC 1010112018 1010112019 5360,000 $0 Communi\y Center South MIami FL 33143 036 Hope Butler Activity 6701 SW 58 Place 119-JM 1010112018 1GID1f2019 $271,6E1{} $0 Center South Miami FL 33143 037 Offics/PoRce-5975 Sunset Dlive 119 -JM 10JOtf2018 10/0112019 $0 532.500 Substation Soulh Miami FL 33143 03. Ctty Hall / Police 6130 SUnset Drive 119 ·JM 1010112018 1010112019 $3,839,900 S395,472- South Mtaml FL 33143 . 039 Silva Martin Bldg 6130 SUnset Drive 119 -JM 10/0112018 1010112019 $420,180 $56,706 Soulh Miami Fl. 33143 17 12 SCHEDULE OF COVERED PROPERTY ----------~~-=~~--------------------- ""u ... ~ W~l,:n.;r!I'\IUn .... UU!~'01~ \.Ulltl,llYVIt c;.u • l\tun. DunUlliV ,-\)U\t:m" 0 .... Date Value value 040 South Miami Comm 5801) SW 66 Street 111-MNG 10101/2018 10/{l112019 S3,21e,560 $39{!,OOO Center/Gym SouUl MiamI Fl33143 041 Jean IMIlis Pam I 7220 SW 51st Court 101 ~ Frame 1010112018 10/()1l2019 S19,500 $0 Gazebo South Miami FL 33143 042 MarlisallWillfamron 6121 SW 68 Street 152-NG 101l)1/2il18 101l)1/2il19 $65,000 $0 Pam I Gazebo South Miami FL "33143 043 MarshaiWilll.3mson 6121 SW 68 Stillel m2~PITO 10/0112018 10Kl112019 $32,500 $0 PaIlII Playground South Miami FL 33143 and SWillg set 044 May$hall Williamoon 6121 SW 6a Street 102-PITO 10101/2018 1010112019 $52,000 $0 Pari'; ~ 2 Tennis South Miami Fl 33143 Coorts 045 Girl Scout Property 6609 SW 60 Street 119 ~JM 10/o11201B 10/{}1t2019 $234,060 SO Soulh Miami FL 33143 046 Patting Ga.mge 5829 S. W. 73 Street 131 ~ FR 1010112018 lD!{)1f2019 58,435,520 $0 South Miami FL 33143 047 Dison Park -Gazebo SW 58th AVl': & SW SO 152-NC 1010112018 1Om112019 $25,000 SO St South Miami FL 33143 048 Pollee. Sub Statioo 6126 SW 5.9 Place 119· JM 1010112011.1 1010112019 .0 $26.000 Sooth Mi:lmi Fl 33143 049 I3us Shelter N Side of Sunset Dr & 152wNC 1010112018 1010112019 550,000 $0 South Miami Fl33143 050 Bus Sooner N Side ofSun!?BtDr& 152· NC 1010112018 10101f2019 $50,000 $0 South Miami Fl 33143 051 Bus Shelter S Side of Sunset Or & 152-NC 101011201& 1010112019 $50,000 .0 South Miami FL 33143 ~-O52 Bus Srnilier S Side Qf Sunset Dr & 1S2-NC 10/0112018 10101f.lU19 550,000 SO South MIami Fl33143 053 Bus Shelter ESkfeofSW 62 Ave & 152-NC 10/0112018 10/01f2{}19 $50,000 $0 South Miami FL 33143 18 13 SCHEDULE OF COVERED PROPERTY ------ l.W" UIt~taIJlUOIl Io\.UUltlioi'tl t..1JII'tIlIYVI:l cu. !tlllll. 00llUI1I9 .... umtmw Date Dnte Value value u'"' Murray Park Pool, 6121 SW6Sth Streel 11.-JM ·1010112018 1010112019 51,384.411 S!J Splash Pool, South ~am! FL 33143 Restroom 0,5 Wood Double Gate 6380 SW 78 Street 102-PiTO 10101{20113 101Otf2019 $4,475 S!J Enclosure South Miami FL 33143 0,6 Police Fueling 6130 SunsetDrtve 119-JM 10101/2018 1010112019 S160,SOO S1O',904 Station SoulhMiami FL 33143 Total $21,701,260 I $'1,062,581 TIV $22,763,841,00 19 14 PROPOSED INLAND MARINE COVERAGE Insurer: Preferred Governmental Insurance Trust Description of Property: Blanket Unscheduled Subject to $25,000 Any One Item Excludes Watercraft Canses of Loss: Special Form: Excluding Flood and Earthquake Values of Insurance: $470,479.00 Loss of Use coverage is not automatically included Valnation: Actual Cash Value Deductible: $1,000 Exclusions Include But Are Not Limited To: Flood Earthquake/Emih Movement Terrorism Biological or Chemical Materials Electronic Data Electronic Date Recognition Asbestos 15 20 PROPOSED CRIME COVERAGE ------- Insurer: Preferred Governmental Insurance Trust Type of Policy: Combination Crime Limits of Coverage: I.EnlpJOye~I>iSh611e~ty~,lgl .. F~i@U!Bei'fC)I'l)W!1C:<I~II00,OO()· ..•.. · ' . ' . Per.Loss .. •. .. <.. '. ii...... " .. 'j ." i<.... I., i I. .! .....•.. .' Covers loss of money, securities and other property by employee dishonesty at all premises of the insured. IF6r',ervorAllerafit)ll·i.· .... .........•..•. .. ~1$JI00000.. . •••. . Covers loss by forgery or alteration of checks, drans, and promissory notes (except by an employee) that are made or drawn by the insured or his agent. 1··C01UPllfel'FraudJliclu<;1irtgFut1dsTransfe)·Plia\1d ··li$ll00,OOiY .' .' 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 infounatioll or for computer vandalism. I..i ' Theft . Disailil.~aran~e or Destrnctioll ' ..•..•. ,.' I. $·1:.00000 ......... Other Coverages Available: D. Robbery and Safe Burglary E. Premises Burglary O. Extortion H. Premises Theft and Robbery Outside I. Lessees of Safe Deposit Boxes J. Securities Deposited with OUlers Deductibles: Employee Dishonesty Forgerv or Alteration Computer Fraud Theft Disappearance or Destruction 16 $lIlQQ. ", '1 ' .. ", $l;OO(} . ' ...... $~;I)OII ....•..... '$l,O@ '.' .., . . '.., : . 21 PROPOSED GENERAL LIABILITY COVERAGE --_._--- Insurer: Preferred Governmental Insurance Tmst Type of Form: Commercial General Liability -Occurrence Fonl1 Limits of Liability: Exposure Basis: Class Amount Munici alit $4751,540 Be sure to get Cert(ficates of In sura lice with "Adequate" Limits and Coverage/rom Subcolltractors, to Ul'oid being charged as though Subcontractors were your Employees. Coverage Enhancements: Herbicide & Peslicide -$1,000,000 Aggregate Limit Sewer Backup and Water Damage Limit -$10,000 No-Fault/$200,000 At Fault Subject to $200,000 Aggregate Exclusions include but are not limited to: • Pollution • Asbestos • Mold • Fungus, Bacteria • Lead • Nuclear • Medical Payments • Liquor Liability • Copyright or Patent Infringement • Terroris111 • Public Officials Liability/Employment Practices Liability • Unmanned Aircralt/Drone Liability 17 22 PROPOSED LAW ENFORCEMENT LIABILITY COVERAGE Insurer: Preferred Governmental Insurance Trust Type of Form: Occun'ence Limits of .Liability: Pcr Person . ' ... ' ..... . $\t;6Qo,ooo Per OcculTcn ce .. .... " ' •. "$foo(j,oOO Deductible: $10,000 Exposure Basis: I····.· .' Class ' .. ..•.. Bilsis< .... . "~mount·· Law enforcement Number of Officers 52 Full Time 2 Part Time Defense Costs -Outside of the limit; does not erode the limit for GCllcral Liability and Law Enfol'Cemellt Liability Deductible does not apply to defense costs 18 23 PROPOSED COMMERCIAL AUTOMOBILE LIABILITY COVERAGE Insurer: Preferred Governmental Insurance Trust Limits of Liability: Bodily Injury & Property Damage Liability $1,000,000 Combined Single Limit Liability Coverage Provided For: Symbol #: 1 Any Auto Personal Injury Protection $10,000 Each Person -Symbol #: 5 (Florida No-Fault) Owned Auto Subject to No Fault Medical Payments Not Each Person -Symbol Included Uninsured MotOlists Non-Stacked Not Per Accident Included Physical Damage: " Per Scheduled V chicles Collision $1,000 Deductible Comprehensive $t,OOO Deductil:!le Physical Damage Coverage Provided For: Symbol #: 7 & 8 * All New or Replacement Vehicles Must Be Scheduled Autos Only and Reported Immediately so as to avoid any Hired Autos Only possible gap in coverage Auto Symbols 7 & 8 Higher Limit~ of Liability May Be Available Upon Request Description of Vehicles: Please See Attached Schedule of Automobiles which indicates those vehicles that include Comprehensive and Collision -Schedule Pending Premium Revision for addition of two vehicles: 2013 Nissan Leaf # IN4AZOCP6DC418298 & 2019 Ford #lFT7W2B67KEC12555 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. 19 24 VEHICLE SCHE=D=-U=-L=E=--____ _ Malle ModellDescription Department ALEf! Comp Comp Comp Villue Unit# Oed Eff Telm Year VIN# Vehicle Type Al Tenn Coli CQII Eff Coli Valuation Type Oed Terlll Recycle Truck 10101/2018 $1,000 10101}2018 10101/2{}19 $31,000 001 1990 1HT52RMX41247192 Heavy Truck 101U112019 $1,001) 1010112018 1010112019 Attu;ll Cash Value Vulvo WXRti4 1010112018 51,000 1010112018 1010112019 >35.000 002 200, 4V2EC6U"",N34B408 Garhage Truck. 1010112019 $1,000 tOlO1I2018 1010112019 Actual Cash Value Trash Truck 10/0112018 $1,000 1010112018 10(0112019 $32,000 003 2005 7533 Garbage Truck 1010112019 $1,000 101D1/2018 10101/2019 Actual Ca5h Value Trash Crane 10/[1112018 $1,000 10;0112018 1010112019 $32,000 004 2004 662 Gamage Truck 10.10112019 $1,000 10ffi1J2018 10101/2019 Actual Cash Value FO'" F450 Bucket Truck 1010112018 $1,000 10101[2018 10/0112019 $26.000 005 2004 6749 HeavyTrucK 1010112019 $1.000 10l{)112018 10/0112019 Actual Cash Value Trailer 10101/2018 $1,000 1Of01I2018 1010112019 $10,000 006 2004 1773 Traller-NO 1010112019 $1,000 10/0112018 10/01/2019 Actual Cash Vallre CHARGE Gamage Truck Non Police 10/01/2018 $1,000 1010112018 1010112019 S35pOO 007 2004 5VCEC6LF24H200D02 Gamage Truck 10101/2019 $1,000 10101/2018 1010112019 Actual cash Vallie 25 20 VEHICLE SCHEDULE Make Model/Description Department ALEf! Comp COml) Comp Value Unlt# Oed Elf T~nn Year VIN# Vehicle Type Al Term CoIl Cell Eff Coli Vuluation Type Oed Teon SWeeper 1010112018 SO 008 1997 2272 Heavy Truck 1010112019 NtA FOOl Ran~r Pickup 1010112018 .0 009 1997 483 llghtTrucl< 1010112019 NtA Foro Crown Vicklria Pollee 1010112018 51,000 10101(2018 10101/2019 $19,322 010 2005 9247 PoliceC3r 10101/2019 $1,000 1010112018 10/0112019 Actual Cash Value PickuP 10101/2018 50 011 1998 5084 lightTrudl 10101t2019 NtA FNd Crown Vidolia Poftc~ 10101(2018 50 012 1998 7545 Police Car 10/0112019 NtA FOOl CrU'.'m Victolia Po~ce 10/Q11201B $0 013 199B 7547 PollceCar 10ID112019 NfA Ford F250Pltkup Po~ce 1010112018 $1,000 1010112018 1010112019 .23,000 014 2005 B300 PoliCllCar 1010112019 $1,000 10/0112018 10/0112019 Actual Cash Value Ford Expedition 1{}.10112018 $1,000 101O1{2018 1010112019 $22,500 015 2005 B547 LIght Trucl\ 1010112019 $1,000 1010112018 1010112019 Actual Cash Value Trash Truck 1010112018 $1,000 1010112018 1010112019 $47,000 016 2{]O7 7296 Gal1)age Truck 10/0112019 $1,000 1010112018 '1010112019 Actual Cash Vallie Ford F250PickliP 1010112018 SO 017 1999 1506 light Truck 101Ql12019 NfA 26 21 VEHICLE SCHEDULE Make ModelfDescrlptioll DepartlW)l1t AlEff Camp Camp Comp Volue Unit# Ded Ell Tenn Year V1N# Vehicle Type Al Tem Coli Coli Eft Coli Valuation Typf:! Ded Tenn Trash Crane 10ffi112018 51,000 10(0112018 10101/2019 546,000 . 018 2006 8936 Gamage Truck 10J01f2019 $1.000 1010112018 10(0112019 Actual Casn Value Ford RangerPitkup 1010112018 Sl,OOO 1Cf01/2013 10/0112019 $21,500 019 2006 8007 li9htTruc.k ,0101",,,,. $1.000 1010112016 1010112019 Actual Casn Vnfue . FOfd Crown Victoria PoUce 10/0112018 $1,000 1010112018 10/0112019 $22,000 020 2006 3763 Police Car 1010112019 $1,000 10fQ112018 10/0112019 Actual Cash Value Ford Crown Victoria PoUce 1OJ01l21118 $0 021 1999 2394 Pollee Car 10/01/2019 NiA Ford Crown Victoria Ponce 10}01/2018 $1,O{lO 1010112018 1010112019 '$22,000 022 2006 3764 PollcaCar 10101/2019 $',000 1010112018 10101/2019 Actual Cash Value ECO 15 Pass Van 10JQ112018-$0 023 1999 643. Bus 40 Pass, 10/01/2019 NiA No lilt Ford CroWl~ Vietona Poijce 1010112018 S1,00I} 1Qf0112018 1010112019 $22,000 02. 2006 375il Police Car 10101",,,1. $1,000 10f01f201B 1010112019 Actual Cash Value Ford Ranger PIckup 1W0112018 StOOD 1010112018 1010112019 .$19,800 025 2007 9505 UghlTrucl\ 10/0112019 $1,000 10(0112018 1010112019 Actual Cash Value Crew Gab Truck 10101f201il $1,000 1001/2018 1010112019 $22,000 026 2007 1FFV\nN30P17EA4733 Light Trucf\ 10/0112019 $1,000 10/0112018 10/0112019 Actual Cash Value Ford F250Pickup 10l01/2illB 50 . 021 2001 1259 lightTntct, fDf01f2019 NfA 27 22 VEHICLE SCHEDULE Mt\k~ Model/DescrIption Oep~rtment Al Eff Comp Comp Comp Vnlus Unit# Oed Elf Term Year VIN# Vehicle Type ALTern, Coli Coli Eff Coli Vnluation Typlil Oed len11 Trash Truck 1010112018 $1,000 10J01I2011l 10101/2019 $45,000 028 2007 5792 Garbage Truck 1010112019 $1,000 10(0112018 1010112019 Actual Gash Value E-450 Pass Van lot01aolS $1,{\OO 10101I201B 1010112019 $26,000 029 2007 . 6867 Medium Truck 1OJ01f2{119 11,000 1010112018 1010112019 Actual Cash Value FO!(! F2504X2 Truck 1010112018 $1,000 10(0112018 10/0112019 $30,000 030 2008 6.1.33 LlghtTruck 1010112019 Sl,GOO 10(0112018 1010112019 Actual Cash Value Ford Croi'm Vlctolia Pofica 1010112018 .1,000 10101{2018 1010112019 $25,000 031 2007 262 PoticeCar 10.101/2019 $1,000 10/0112018 10f0112019 Actual Cash Value FO!(! Excursion 10/01r20l8 SO 032 2nDl 7437 UghtTruck 1010112019 NIA FO!(! Crown Victoria Police 10/01/2018 $1,000 1010112018 1010112019 $25,000 033 2007 263 Pollee Car 1010112019 $1,000 1010112018 10/0112019 Actual Cash Value Fo!(! Crown Viclona. PoHce 1010112018 $1,000 10iQ112018 10f0112019 $25,000 034 2007 26. Police Car 10Jl11f2019 $1,000 1010112018 10/0112019 Actual GClSh Value Fo!(! Crown Victoria Police 100112018 ~1,OOO 1{Jf()'112018 1010112019 $25,000 035 2007 1644 ponce Car 1010112019 $1,000 1010112018 1010112019 Actual Cash Value Fo!(! F450 Super PicRUp 1010112018 51,000 10101120t8 10/0112019 $40,000 036 2007 7463 Med!um Truck 1010112019 $1,000 1010112018 1010112019 Actual Cash Value E·350Van 10101r201B S1,000 10/0112018 10101/2019 $28,000 037 201lil 9179 L~ht Truck 1010112019 $1,000 10/0112018 1010112019 Actual Cash Value 28 23 VEHICLE SCHEDULE -------------------------------- Make ModelJDescription Oepnrtment ALEff tomp Comp Comp Value Unit# D.d Elf Tenn Year VIN# Vehlcle Type ALTernl Coli Coli Elf Coli Valuntion Type Ded Teml Foe. F250 Pickup 1010112018 $1,000 1011)112018 1010112019 524,000 03B 200B 4733 light Truck 10101/21)'19 61,000 10{Q111018 10/0112019 Actual Gash Va!ue Frnd F250 Pickup PQ~C-E! 1010112018 SO 039 2001 8077 PoliceCaf 10101(2019 NJA PI~up 1010112018 SO 040 1997 7334 UgtrtTrudl 10101/2{}19 N/A Trash Truck 10/0112018 $1,000 10101/2018 1010112019 545,000 041 200' 6166 Gamage Truck 1010112019 $1,000 101D112018 10/0112019 AtlUal Cash Value Pickup 10fU112Q1B ~1,OOO 10101/2018 10i01f2019 $22,000 042 200B 4732 lighl Truck 10/01£2019 $1,000 10101/2018 10ID112019 Actual Cash Value WaterTrucl\ 1010112018 $1.000 10f01I2018 10fOl12019 $31,000 043 2008 6415 Heavy Truck i0!0112{l19 $1,000 10J0112018 1DI0112019 Actual Cash Value 15 Pass Van 10]0112018 $1,(]oo 10f01/201$ 1010112019 $25.000 044 2.008 6921 Bus 40 Pass, 10!01f2019 $1,000 10101f.W18 1010112019 Actual Cash Value NoUft 15 Pass Van 1OIOt12018 S1,000 1010112018 10f0112019 525,000 045 2008 6820 Bus <20 P3$S, 10101/2019 $1,000 10f0112018 10101l2O19 Actual Cash V<llUe NoUIt Ford Expedition 1QJ01f2019 $1.000 1OfU112018 10m1/2019 $25,000 046 2008 6600 UghtTrucfl: 10f01f2019 .'.000 1010112018 10101/2019 Actual Cash Value 15 Pass Van 10101(2018 S1,000 10101/2018 1010112019 $25,000 047 2.009 9630 Bus --20 Pass, 1010112019 $1.000 10/01/2018 10(0112019 Actual Cash Value NoUft 29 24 VEHICLE SCHEDULE ------------------~~- Make ModelfDescription Department ALEIf Comp Comp COntp Value Unit# Oed Elf TerM Year VlN# Vehicle Type AL Term Coli Call Ell Coli Valuation Type Dod Tonn Ford Crown Vidolia 1010112018 $1,000 10{O1/2018 10101/2019 $33,000 048 2{]," 7808 Heavy Tn.1Ck 1010112019 $1,000 1010112018 10101/2019 Actual Cash Value Garbage Truck 1010112018 $1,flOO 10ro1/2018 10101/2019 $40,000 049 2009 9492 Garbage Truck 1010112019 51,0(]0 1010112018 10/0112019 Actual Cash Value Ford Crown VictQfin Po!h::e 1010112018 $1,000 1010112018 1010112019 $25,340 friterceptor 050 2{]'O 2FABP7BV4AX141491 Police Car 100112019 $1,000 10101/2018 10/01/2019 Actual Cash Value Ford crown Victoria PoHce 10101/2018 51,000 10101/201B 1010112019 $25,340 Inte«;eplor 051 2{]1O 2FASP7BV4AX141488 PoUce Car 10/0112-019 $1,000 1010112018 10/01/2019 Actu<ll Cash Value Ford Crowtl Victoria Ponce 10101/20"18 $1,000 10101/2018 1010112019 $25,340 Interceptor ()[Q 2n10 2FABP7BV2AX141490 ponce Car 10101120"19 $1,000 10/0112018 1010112019 Actual Cash Vruue Ford Crown Victoria Police 1O!01f2{118 $1,000 10f0112018 1010112019 $25,340 Interceptor 053 2010 2FABP7BV8AX141493 POlice Car 1010112019 $1,000 10/01{2018 10/01/2019 Actual Cash Value Ford Crown Victoria Police "IO/01/2{118 !51,000 1Of0112018 1010112019 $25,34l) Interceptor 054 2010 2FA8P7BV5AX1421813 PoliceCaf 1010112019 $1,000 10/0112018 1010112019 Actual Cash Value GEM E2 10!01f2018 501,000 10/01/2018-1010112019 $"14,575 055 2011 5ASCPGA42BF055341 ExiraUghl 10101/2019 $1,000 101U1J2018 1010112019 Actual Cash Value Service Ford Crown Victolla 1010112018 S1,000 10ro1/2018 1010112019 $.ll,47f1 056 2m1 2FABP7BV58X16G594 Police Car 10!01/2{119 $1,0(]0 1010112018 1010112019 Actual Cash Value Ford Crown Vlctotia 1010112018 51,000 101'01f2018 10101/2019 $31,479 057 2011 2FABP7BV7BX16657f! Police Car 10/0112019 $1,000 "1010112018 10f0112019 Actual Cash VJ!U9 30 25 VEHICLE SCHEDULE Milke Model/Oescription Oel)ortlllent ALEff Comp (omp Camp Volus Unit# Oed Elf Tenn Year VlN# Vehicle TYlle AL Tann Coli Coli Eft Coli Valtlnlion Type Oed Tenll F",. Crown Victoria 101011201B $1,000 1010112018 1010112019 ljj31,479 058 2011 2FABP7BVOBX166597 Police Car 10/011'2019 $1,000 10/01/2018 1010112019 Actual Cash Vcrlue Foro Crown Victoria 1010112018 $1,000 10/01/2018 1010112019 $29,125 059 2011 2FABP7BV8BX159445 Police Car 10101f2019 $1,000 10/0112018 1010112019 Actual Cash Value , Ford Crown Victoria 1QJ01t2018 $1,000 10f0112018 mml12019 529,725 000 2011 2FABP78V.9BX166596 Police Car 10101(2019 $1,000 "10101/2013 1010112019 Actual Cash Value Ford Crovm VIctoria 1010112018 $1,000 10f01f201S 10101/2019 $29,725 001 2011 2FABPIBV18X1665B9 Police Car 10/0112019 $1,000 10101120'18 10/0112019 Actual Cash Value FOld Eoonoline15 Non Police 1010112018 $1,000 10f01l201S 10101/2019 $23,473 Passoogsf Van 062 2[1.12 1FBSS3Bl4CDB30778 Bus "'-""20 Pass, 10101/2019 $1,000 10/0112018 1010112019 Actual Cash Value NoUft rotd Crown Vlctoria Police-10101f2{)18 $1,000 10(0112018 1010112019 $28,500 063 2011 2FABP7BV6BX151175 Police car lotDl/2019 $1,000 1010112016 10/0112019 Actual Cas11 Value For' Crown Vlctorio Ponce 1010112018 301,000 1010112018 1010'112019 $26,500 064 2011 2FABPlBV8SX157176 Police Car 1010112019 $1,OOll 10101(2018 10T01/2019 Actual Cash Value Ford Crown Vidoria Police 1010112018 51,nOO 1010112018 10/0112019 $26,500 005 20'11 2FABP7BVBBX157177 Pollee Car 1010112019 $1,000 10101ROt8 10101/2019 Actual Cash Volue Ford Crown Victoria Pogcs 10101f2018 $1,000 1010112018 1010112019 $26,500 006 2011 2FABP7BV3BX157179 Police Car 10101/2019 $1,000 10/0112018 1010112019 Actual Cash Value Ford Crown Victoria P<lhce 1010112018 $1,000 10101(20t8 10f(}112019 $26,5QO 067 2011 2FABP7BV2BX162583 PoJiceCar 1OJOfl2019 $1,000 iO/01f2018 1010112019 Actual C(lsh Value 31 26 VEHICLE SCHEDULE Make Model/Description Department ALEf! COml) CQmp Comp Value Unltll Ded Elf Tenn Year VIN# Vehicle Type Al.Tarm Coli Coli Elf Coli Valuotion Type Ded Tenn Ford F250 PictUp Non PoUce 1010112018 $0 068 2004 lF1ONV21P24EA04216 lightTrud. 1010112019 NfA Chf)lsler 300 Non POlIce 101011201B $0 069 2005 2C3.JA43R75H505771 Private 10!01/2\l19 NlA Passenger ntematiooa Trash 1010112018 $0 070 200G 1HTMMAAR46H172991 He<lvY Truck 10/01f2019 NlA GMC SWeeper Schwarze 10101120113-SO 071 2009 J8DC4WI6697001079 Med!um Truck 10f01f2019 NlA AutoC3r AeX Garh<lge Truck f0/Oll2{J1S 51.000 1010112018 1OI0112Q19 $269,409 072 2013 5VCACRBFSDH215134 Gan)age Truck 10/01{2019 $1,000 1010112018 10f{l1f2019 ACtual Cash Value Fmightllner M2~ 106 Crane Truck Non·Pollce 10101/201S $1,00D 10101J201B lOf0112019 $154,442 073 2013 1FVACXBS1DHFE4262 Heavy Truck 1010112019 $1,000 10/0112018 1010112019 Actual Cash Value GEM ,p Non-Police 10!l.11f201S $1,000 10101/201" 1010112019 $13,499 074 2013 52CG2AGA3DmID3228 Private 1010112019 $1,000 10101(2018 10J01J2019 Actual Cash Value Passenger Tandem Trailer 1010112018 $1,000 10101/2018 10101(2019 $3.000 07. 200B -IS907X1698M982128 Trniler·NO 1010112019 $1.000 1010112018 101011201Q Actual Cash Value CHARGE Tandem Troller· Tandem-Tag 101Q11201B !li1,OOO 10101/2018 10/0112019 $3,000 XB2331 076 200B IS907X1698M9B2129 Traller·NO 1010112019 $1.000 10/0112018 10/01/2019 Actual Cash-Value CHARGE Trailer· BaCk up traller 1010112018 $1,000 1010112018 1010112019 $3,000 077 2013 200904 Trailer· NO 10/0112019 $1,OO[] 10101/2018 10f0112019 Actual Cash Value CHI'\RGE 32 27 VEHICLE SCHEDULE ----~----------- Milke Model/Descril>tion Department ALEft Comp Camp Comp Value Unit# Ded Elf Tenn YEtur VIN# Vehicle Type At Term Coli Coli Elf Coli Voluation Type Oed Tenll CVR 1010112018 Sl,OOO 1010112018 10101[2019 $,,000 078 2008 lS007X1678MOB2130 Tmiler·NO 1010112019 $1,000 1Df01J2D18 1010112019 Act.ui.'Il Cash Value CHARGE Tandem Trailer 1010112013 SO 079 2008 1S90716D8M982129 Trruler· NO 100112019 NtA CHARGE PosI256· Tag Ponce 1010112018 $1,000 10101120113 10101/2019 5$,000 #X85488 000 2011 5RTBE1216BOO23363 Trailer· NO 1010112019 $'(,000 10101/2018 1010112019 Atlual Cash Value CHARGE Tmiler· TaD· Back up 10101/201& $1,000 10101/2018 10/0112019 $3,000 tralter 001 2000 200905 Trailer-NO 10101/2019, $1.000 10/0'112018 10101/2019 Actual Cash Value CHARGE PW Trailerw/PreSSUll'l PW 1010112018 $l,OOD 10(0112018 1010112019 $3,000 Cleaner #LX5X8 082 :W08 TraHer-NO 10101/2019 $1,000 10101J201fi 10/0112019 Actual Cash Value CHA.RGE TroUer· T8D· Stor3ge PW 1010112018 S1,(lOD 10ro112018 1010112019 $3,000 On~y-Tagtl213959 003 2013 213959 TraDer-NO '1010112019 $1,000 10/fi1r,J016 10f{)112019 Actual Cash Value CHARGE FO!1I taurus Police PQUce 1010112018 stOOD 10101/201fJ 1010112019 $35,000 Interceptor 00' 2014 1FAHP~EG120008 Po!looGar 10/0112019 $1,000 1010112018 10/01120'19 Actual Cash Value F",. Taurus PolIce Police 1O/01/201S $1,000 10101/2013 10101/2019 $35,000 Interceptor 005 2014 1 FAHP2MT9EG12DOO9 Po!!ceCar 10101/2019 $1,000 10/0112018 10fOl12019 Actual Cash Value For<l Taurus ponce PolIce 10/011201S $1,000 10101/2018 1010112019 $35,000 Interceptor 006 2014 1FAHP2Mf1EG120011 Police Car 10101/2019 $1,000 lWOi/l0l8 1010112019 Actual Cash Value FO!1I Taurus Police Police 1010112018 51,000 10/01(2018 1010112019 $35,000 Interceptor 007 2014 1FAHP2MTOEG120013 PollooC~r 1010112019 $1,000 10f0112016 10/01f2019 Actual Cash Value 33 VEHICLE SCHEDULE Make Model/Description D(1)Qrtment ALEff Camp Camp Comp Villue Unit# Ded Elf Tarm Year VlN# Vehicle Type Al Tenn Coli Coli Eft Coli Valuation Type Oed TElnll FOI1l Taurus Police Po!lce 1010112018 $'I,llOO 1010112019 1010112019 $35,000 Interceptor 008 2014 1FAHP2Mf5EG120010 Police Car 1010112019 !!i1,OOO 1010112018 10/01/2019 Actual Cash Value FOI1l Explorer Pollee Police 10/0112018 51,000 1010112018 10fQ112019 $33,220 Interceptor 089 2014 1FM5K8AR7EGC49837 Police Car 101O1/2{119 $1,000 1010112018 10/0112019 Actual Cash Value Toyota Pnus Code 1OLQ1/2tl1S $1,000 10101/2018 1010112019 $21,312 Enforcement 090 2014 JIDKDTB32E1567950 Prtvate 10/0112019 $1,000 10J01l2018 1010112019 Actual Cash Value Passenger Toyota PrIus Code 10ID112018 $1,000 10101/2018 1010112019 $21,312 Enforcement 091 2014 JTOKD '.30E10741163 Private 10101/2019 $1,01)0 1010112018 1010112019 Actual C~sh Value PaSStinger Toyota Prius Code 10101/2018 $1,000 10101'2018 10101/2019 $21,312 Enforeement 092 2014 JTDKOTB39E1074332 Private 1010112019 $1,000-1010112010 10/0112019 Actual Cash Value Passenger GEM E4 Ponce 101011201f.1 $1,000 10/01/2018 10/0112019 $14,371 093 2014 52CG4AGA6EOOi0816 Private 10/0112019 $1,000 10/0112018 1010112019 Actual Cash Value PasS€nger Ford Taunls Police Po~ce 1010112018 $1,000 10f01I2018 1010112019 $35,000 Interceptor 09' 2014 1FAHP2MT9EG120012 PoUce Car 1010112019 $"1,000 10!01f2018 1010112019 Actual Cash Value lnsalertTra:ffic Trailer Pollee 1010112018 SO 095 2010 1 B9AF511)(APB25356 Trailer 1010112019 NIA Keru:l Trailer Ponce 10/01/2018 SO 096 2011 KT7X12001904B2&lO TraIler 10101/2t119 NlA Ford Taurus Police Pofice 10ffi1f2[J'li1 $1,000 10/O1{2018 1010112019 $36,975 Interceptor 097 2015 1FAHP2NITBFG109228 pona> Car 1010112019 $1,000 10/0112018 10/{)1f2019 Actual Cash Value 34 29 VEHICLE SCHEDULE Make ModellO$scription Department ALEft Comp Camp Comp Value Unit# Ded Eft Term Yen, VlN# Vehicle Type Al Tenn Coli CQIIEff Call Vaillation Type ned Tenn FOld Taurus Police Police 1OJ0112018 $1,1)00 10101/2018 10101/2019 $36,975 lnterceptor 098 2015 1FAHP2MTIJFG109231 Polite Car 1010112019 $1,000 10/01/2018 10101/2019 Attu,l.I Cash Value Foro T3UfUS Pollee Polite 1010112018 $1,000 10101/2018 1010112019 $36.915 Int~Hteptor 099 2015 1FAHP2MT6FG109230 PoliCE! Car 101Q1'2019 $1,000 10101/2018 1010112019 Actual Cash Value Ford T",unlS Pollee Police tOl01/201B $1,000 1010112018 10101{2019 $36,915 Intereeptor 100 2015 1FAHP2MTIiFG109227 PoHceC>U" 1010112019 $1,000 10101I2I118 10/0112019 Actual Cash Vroue Fo", T3Urus Police Po6ce 1010112{)18 $1,000 10101/2.019 1010112019 $36,975 tnlefteptor 101 2015 1FAHP2MTXFG109229 P<lIice Car 10JQ1I2019 $"1,000 10101(2018 10/01/2019 Actual Cash Value F",d Explorer Pollee PoHce 1010112018 S1,t100 10101{201a 10!01QOi9 $34,918 Interceptor 102 2015 1FM5K!3ARXFGC51762 ponce Car 1010112019 $1,000 1010112018 10/0112019 Actual Cash Value Foro Taurus Police Police 1010112010 $1,000 10/01/2018 10f01/Z019 $3{},792 Interceptor 103 20t5 1FAHP2MT2FG154147 PoUce Car 10101/2019 $1,000 1010112018 10101/2019 Actual Cash V.';illfe Ford T\llJfUS Police Police tOlO112018 51.000 10101120113 '10!01f.2019 $30,792 Interceptor 10' 2015 1FAHP2MT4FG154148 Pohce Car tOJ01f2{)"19 $1,000 10/0112018 1010112019 Actual Gash Value F",d Taurus Police Po~ce IOJ01f2018 $1,000 1010112018 1010112019 $27,743 Interceptor 105 2015 1FAHP2MK1FG154146 Police Car 10101f2019 $1,000 1010112018 1010112019 Actual Cash Value F",d Taulus POlIte Po~ce 1010112018 $1,000 10/0112018 1010112019 $27,743 Interceptor 106 2015 1FAHP2MKXFG154145 Police Car 1010112019 $1,000 1010112018 1010112019 Actual Cash Value Ford Crown Victoria Police Poflee IQlO'lf2.018 $1,000 10101/2018 tof01J2019 $38,938 Interceptor 107 2015 TSD Police C:u 1010112019 $1,000 1010112018 10/0112019 Al.:tual Cash Value 35 30 VEHICLE SCHEDULE --------------------------- Make ModellDescrlption Department ALEf! Comp Comp Comp Value Unidl Dod Eff Tenn Y~l'tlr VlN# Vehic.le Type AL Teml Cpll Coli Eff C(lli VulUil1ion Type Oed Teml Foro Crown Victori<J PoHce Police 10JO'll2{J18 $1,000 1010112018 1010112019 $38,93B Interceptor 108 2015 TeD PcliceCnr 10101/2019 $1,000 10(0112019 10/0112019 Actual Cash Value Toyota. Prius Code 1010112018 $1,000 10101/2018 1010112019 $24,295 Enlorcenumt 109 2016 JTDKOTB39G112:383S Private 1QJ01f2019 $1,000 101(.1112018 10f0112019 Actual Cash Value Passenger Toyota Prius Code 10101/2018 $1,000 10f01120HI 1Of01f2019 $23,636 Enforcement 110 2016 JTOKOTB34G11238S9 Private 1(1l0112019 $1,(100 10!01J2018 1010112019 Actual C3Sh Value Passenger Foro Taurus Police 10101/2018 :$1,l]OQ 101011;?O18 10/0112019 $38,222 111 2016 1FAHP2MTBGG110213 Private 10101/2019 $1,000 10f01I201S 10101120Hl Actual Cash Value Pl.lssengel FolI1 Taurus Police 1QiOll.2018 $1,000 100112018 1010112019 .$38,22:2 112 2016 1FAHP2MT1GG116216 Private 10/0112019 $1,000 10/0112018 10ro112019 Actual Cash Value Passenger FolI1 Taurus Po~ce 1010112018 1;1,000 10101'2018 ·lOf0112019 $38,222 113 2016 1Fl\HP2MT5GG116218 Private 10/01/2019 $1,000 10ro1ll0tS 10/0112019 Actual Cash Value Passenger Foro Taurus Ponce 1010112018 S1,000 1010112018 10m112019 $38,222 1"1-4 2016 1FAHP2MTXGG116215 Prtvate 1010112019 $1,000 10!O1l2018 1010112019 ActUal Cash Value Passenger Foro Taurus Pollce 1010112018 ~1,{IOO 101011201S 1010112019 $39,222 115 2016 1FAHP2MT4GG116212 Private 1010112019 $1,000 1010112016 10/0112019 Actual Cash Value Passenger Ford Tauros PoUce 10lO1/201S Sl,OOO 1010112018 10f01f2019 $3B~ 116 2016 1FAHP2MT3GG116211 Private 10l01f2019 $1,000 10f01I2018 10/0112019 Actual Gash Value Passenger Ford Taurus Pollee 1010112018 $l,noO 10ID112018 1010112019 $38,222 117 2{)16 1FAHP2MT8GG'116214 Private 101{}112{)19 $1,000 10f01!2018 10(0112019 Actual Ca'.ih V.alU9 Pllssenger 36 31 I VEHICLE SCHEDULE --------------------- Make ModellDs$crtption Depru1ment ALEff COffill Comp Comp Value Unit# Oed Ell Term Ye..1r VIN# Vehicle Type Al Teml Coli Coli Eff Coli Valuation Type Ded Term Nissan leaf Parks 1010112018 51,000 10101/2018 101011'2019 $8,863 118 2013 1N4AZOCP10C422192 Pni/ate 10/0112019 $'1,000 10{O1/2018 10/0112019 Actual Cash Valus Passenger Nissan lear Par!;. 1010112018 S1,qOO 1Of(l1f2018 10f01(2019 $8,800 119 zon 1N4AZOCP5DC419412 Pnva1e lQ/Qi/2{]19 $1,000 1010112018 1010112019 Actual Cash Value Passenger Nissan leal Pafi(s 1010112018 51,000 10{O112018 10!O112019 $10,704 120 2013 1 N4AZOCP8EC330516 Private 1010112019 $1,000 1010112018 10101/2019 Actual Cosh Value Passenger Ford Unmarked PoUte 1010112018 &;1,000 101'0112018 10!01f2019 $40;381 121 2017 1FMSK8ARSHGC87419 pollee Car 1010112019 $1.000 10f(}1f2013 10101/2019 Actual Cash \latue Ford Unmarked Ponce 10101/2018 51,000 10!O112018 10/lJ.lIl019 $40,381 122 2017 1FM5K8AR4HGCa7420 Police Car 1010112019 $1,000 1010112018 1010112019 Actual Cash Value Ford VitO Police 10JO'mOtS 51,{l00 10101(2.018 10ro112019 $25,000 123 2017 AFTRS4XG5GKB11007 Police-Car 10/0112019 $1,000 1010112018 10/01/2019 Actual C3sh Value Ffe!ghlHner M2106 PubltcWoms 10101121119 $1,000 10/01120-18 10/0112019 $129,000 12' 2017 1FVACXDTOHHJC3416 Garbage TruCK 1010112019 $1,000 10/0112018 1010112019 Actu;t1 Cash Value Ford El\pfor~r Police 1010112018 $1,000 10/0112018 10.10112019 $40,381 125 2017 1FM5KflAR4HGOO14n Police Car 10101J2{l19 $1,000 1010112018 1010112019 Actual Cash Value Ford ExplOHH Ponte 101011201-8 $1,{lOO 1010112:018 1010112019 $40,381 126 2017 1FM5KBAROHGDD7470 PoficeCar iOf0112019 $1,000 10101/2018 10(0112019 Actual Cash Value Ford E~plorll'r Police 1010112018 51,000 1010112018 10f0112019 540,391 127 2017 1FM5KMR6HGC91031 Police Car 10101/2019 $1,000 1010112018 10/0112019 Actual Gash VallH3 37 32 VEHICLE SCHEDULE Make ModellDe.scription Uepartment ALEIf Comp Comp Cemp Vallie Unit# Oed Elf Term Year VIN# Vehicle TypE! Al Term Coli Coli Elf Coli Valuation Type O.d Teml Ford ExpIQrer Police 1QJ01/2{)18 $1,000 1010112018 1010112019 $40,381 128 2017 1FMSKMReHGOO7473 Police Gar '10J01f20'19 $1.000 10/0112018 10101/2019 Actual Cash V.alue . FOrd EXplorer PoUce 1010112018 $1,000 1010112018 10101(2019 $40.38-1 129 2{)17 1FM5KSAR2HGOO7471 Police CaT 1010112019 $1.000 10/0112018 '1010112019 Actual Cash Value F"," Taurus Police 1010t12018 $1,000 1010112011;: 1010112019 $27,468 130 2017 1FAHP2MJ<3HG145760 Police Car 10/01/2019 $1,000 1010112018 1010112019 Actual C:tSh Value For" Explorer Police 10101f201B $1,000 1010112018 10/0112019 $30,567 131 2mB 1FM5KBARSJGG17151 Po1fceCar 1010112019 $1,000 lV/OlI201S 10/0112019 Actual Cash Value FOld E:<:plorer Pofite 1010112018 $1,000 101011201S 10101/2019 $30,567 132 20t8 1FM5K8AR6JGC17150 Police Car 1QJ0112(l19 $1,000 1010112018 10ffi112019 Actual C:;!sh Value FOrd Explorer Police 10/01f2{)18 $1,000 1010112018 fQlO112019 $30,567 133 2018 1 FMSKSAR4JGC 17146 P<Jl!ceCar 10101/2019 $1,000 1010112018 10/0112019 Atlual Cash Value Foro Explorer Police 1010112018 $1,000 10101120iS 10{Q1l2019 530,567 134 2018 1FM5KSAR8JGC1714B Police Car 10/01/2019 $1,000 10/0112018 10/0112019 Aclual Cash Value Ford TransilV;m Police 10101/2018 S1,000 1010112018 1010112019 $3{),513 135 2017 1FBZX«M2JK80B2BO Bus -:20 pass, 101Q1/2019 $1,OO(} 10/0112018 10/01/2019 Actual Cash Value NoUft FOrd Crown Victoria Police 1010112018 $1,000 10101{2018 10f01120t9 526,500 nil 2011 2FABP7BV4BX166604 Police Car 10101/2019 $1.000 10/0112018 10/0112019 Actual Cash Value FOrd Crown Victoria Police 101Q112018 51,000 10/01/2018 1010112019 $25,000 137 2009 2FABP7SV lAX141S14 Police em 10!O112019 $1,000 iOf0112018 10/0112019 Actual C>.\Sh V(l!ue 38 33 VEHICLE SCHEDULE --------------------.~~----------------- Make Model/Description Department ALEIf Comp C(lmp Camp Value Unitt Dod Eli Term y .... VIN~ Vehicle Type AL Term Coli CnUEff Coil Valuation Type O.d Tem "«<I Cmwn \fktoria Pol .. 1IlID11201B $1.000 100112)19 mm1!2019" $22,000 I:JS 2!lOO 2FAFP71\'v.Z.6X143761 Poll"" "'" Ill1Dl!2ill0 ~1,000 1!1ft}1r.W'iS tOfQll201{1 Attlia Ca<.;h V.a~ ""'" Crown VJctoJi3 Pol .. In~Ii20'8 ~1.ooo 1t\'ilH2019 1n'll'!2il'B $38,222 131> 2016 'Fl'EW'CF3tmr&l781 PoIiceCN lOru1,l'2D19 ~1.000 IllIOI!2018 11l1D112D1g _ca.hV.I .. Cushman Poi .. HlJIW'20IS $1.000 1G~ll2llla 10.101,12019-$14,000 14!l 2005 2""",00 Exlri<lighl lOJtl1i2D19 $1,000 llJl.,l2Dl8 I{lfQ11201v -..Co5hV_ So"", F«d 15 PassengerVm Parks 1DJlJ1r.ID18 $1.000 la~112D18 lOiOII2il10 $3D,573 141 :2I118 IFBZJI.2ZM2JKS0S2BO Bus<WPJ.'Ss. lU~112ll19 $1,000 . tIDUl12me: ,a'U1I2DI9 Aoo.tal C3'sh Va'»e No lift. Fool SIN Pol .. lo.~ll2!!la $1,000 l~'l)IOOIB lO1OU2\:519-$30,561 142 :2018 lFM~aAR1lJGcI714a Police-Gar 1U1D1Ja)19 $1.000 1111U1!24l!8 toJOlt2019-AroRd Cash Value .... d SUV Polce 100112018 $1.000 '00l1J201B 10'0112019 $30,007 143 2O'S tFM~B.AR6JGC17147 :Police Car lOf01.®1Q $1,000 Hlf01.!20UI IUftl1J2mS Actual Cash V~ F«<I SlN PoIco 1U~II2Il'a $1.000 100112018 tOJOlf2Qll1 $3IJ,587 144 :2018 1FMfKBAR6JGC17t50 PtilioeCa'-lO'01.1201G $1,000 111rct1i.?D18 tnI01J20'~ Actual Cash Vame. Nl...., Leaf Parks m.lIl1!2D18 ~l.oo0 Il!IlJl00IS lOJDl,F,IDHl< SMOO 145 :lOla. 1 DC41B200 PoIiceCar 1OJD1IE19 $1,000 1u1"01.1201a lQ101J2DifJ Atl:u:JI Cash Value F<ni P.lOO 1'<»0;; 1{i'O'!201S $1.000 ~~'i)l,l2UfB lO}01J20H," -$38.276 145 20lg 'Ff7W2867KECI2555 Pclioec..v 1Uro112ll~G $l.000 1!WV21H8 IOOII2D1~ ~CashVal~ Total 39 34 I PUBLIC OFFICIALS & EMPLOYMENT PRACTICES PROPOSED LIABILITY INDICA nON PENDING FIRM QUOTATION PER SUPPLEMENTAL Insurer: Ace American Insurance Company Type of Form: Claims Made -Retro Date Per Policy Fonn Extended Reporting Period: 12 months for 100% oflast annual premium Limits of Liability: Each Claim $1,000,000 Aggregate $1,000,000 Crisis Management Fund $25,000 Defense Costs are Within Limit of Liability -Capped at $1,000,000 Deductible: $75,000 Public Officials Liability-Public Entity Liability -I A2 and IB $100,000 Each Employment Practices Violation -I C S250,000 Retention applies to all Zoning Claims and Matters Exclusions Include But Are Not Limited To: Network Security or Privacy Liahility Exclusion Bond Exclusion False Claims Act Exclusion Subject To: Review of renewal supplemental just received Final review of loss runs 30 days prior to effective date 35 40 PROPOSED WORKERS' COMPENSATION COVERAGE Classifications & Exposures: ••..••.• >it ...... ,: 2c;l,~,ssi~f~tion ". .........• (S.o?e> '.' ··No.· I Gro~sPa'yrolls .....• '. .' ..' Street or Road Maintenance 5509 277 022 Police & Drivers 7720 3592 565 Auto Service Repair 8380 143,605 Clclical 8810 3,071.182 Bldgs./Owner/Lessee 9015 87300 Park NOC 9102 357,467 Garbage: Collection & Drivers 9403 370,017 Municipal NOC 9410 444947 Premium $145;520.00 .. ;. . Standard Limits of Liability $100,000/$500 OOO/S 1 00 000 •.....•.•.... In¢lua~(I Increased Limits of Liability 1,000,00011 ,000,000/1 ,000,000 • .·~il~lil~ea . ...• .;. .... Workplace Safety Program Credit 2% ..... . .... l!i<iliided. Drug-free Workplace Program Credit 5% .......... ,Jl)cliitle'il Credit Total ' ...... . ... '. ....•.... .> Expelience Modification .94 ' .. Jndllded Premium Adjllstment Program "; . .~~Ctllil~d Celiified Acts of Ten or ism ........ · .... i /< ••• Expense Constant ...... $16(1.00 ..... >...... ..•.•.. ......•.. .' C.' .' ..••.• C " ' ... . .. , Tot!!l J:lremhlll\';< .....•........•. . .... .... . ... ..; . $1'15 Ci!\O.O.O Higher Lil1lit~· of Liability My Be Available Upon Request Policy is Subject to Audit Additional States of Hire must be reported when payroll begins in that State Certificate.l· of Worker. I' Compensation Insurance are required 011 all worl, pe1j;I/'med by persons other thall its employees Subject To: Signed PGIT WC Application Signed Drug Free and Safety Program Applications 36 41 SUMMARY OF ESTIMATED PROPOSED PREMIUMS Premiums as Proposed: Machinery Employment Practices Liability Compensation Subject to Audit Premium Fees Taxes/Surcharges Total Premium Fees Taxes/Surcharges Total Premium Fe.es Taxes/Surcharges Total Premium Fees Taxes/Surcharges Total Premium Fees Taxes/Surcharges Tolal Premium Fees Taxes/Surcharges Total Premium Fees Taxes/Surcharges TOlal Premiulll Fees T axes/S ul'charges Total *Expiring Renewal re.flects annualized premiums on any midtel'll! policy changes Fees f1'/wH'n above may befillly eClrlled at policy inception Workers Compensation Payroll $7,916,544 Expiring vs Renewal $8,344,105 Law Enforcement Liability Deductible Increase to $10,000 Per Claim 37 42 Payment Option: PGIT Package: 50% Down -25% due at 75 days and 25% due at 166 days POLIEPL: Full payment at inception -Financing may be available Workers Compensation: 25% Down and 9 Equal Installments A 25% Minimum Earned Premium applies to the following policies: PrcfclTed Governmental Package and Preferred Governmental Workers Compensation Quotations Subject To: • Signed Acord applications • Signed and Initialed pon Applications, Signature Page, UM Fonn • Abuse Prevention Policy • Signed Ace and Acord Applications -POL & EPL • Review of Currently Valued Loss Runs Plior To Binding: Ace American POLlEPL Quotation is valid until the effective date of the policy. This proposal is based upon the exposures to loss lIIade known to the Agency, alld is for illustration only. Anv changes in these exposures (i.e.. new operations, new products, additional states of hire. ete./need to be prolllptlJlreported to us ill order that propel' coverage(s/ may be put into place. All physical exposures insured by our policies must be owned by the nallled insured. This proposal contains only II general description oUhe coverage(s/ and does not constitute a policY/contract. For cOlllplete potiC!' information. including exclusions, limitations, and conditions, refer to the policr document. III the evellt ora difference between this propo,1'U1 alld the policy. tlte policy will prevail. 38 43 A.M. BEST RATING OF PROPOSED COMPANIES COMPANY COVERAGE BEST RATING ADMITTED Preferred Govenllnental Insurance Commercial Propelty, Crime, Not Rated Yes Trust Inland Marine, General Liability, Law Enforcement Liability, Commercial Automobile, and Workers Compensation Ace Amelican Insurance Co, Public OfficiallEPL A++XV Yes GENERAL RATING These rating classifications reflect BEST's opinion of the relative position 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 E>:cellent Verv Good Noi Raled B. B-*** C++ C+*** C) C:*** Good Fair A1arginal FINANCIAL SIZE CATEGORY The Financial Size Cate~OJY is an indication of the size of an Insurer and is based on repOJ1ed Policyholders' surplus pus conditiona1 or Technical Reserve Funds, such as mandatory securities valuation reserve, other investment and operating contingency funds and/or miscellaneous voluntary reserves rep0l1ed as liabilities, ($ ln 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 1lI $ 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 III $ 1,250,000 To $ 1,500,000 Class IV $ 1,500,000 To $ 2,000,000, Class XV $ 2,000,000 To $ More This infol1nation 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, 39 44 COMPENSATION In addition to the commission or fees received by us for assistance with the placement, servicing, claims handling, or renewal of your insurance coverages, other parties, such as excess and surplus lines brokers, wholesale brokers, reinsurance intennediaries, underwriting managers and similar paliies, some or which may be owned .in whole or in part by Brown & BrO\v11, Inc., may also receive compensation for their role in providing insurance products or services to you pursuant 10 their separate contracts with insurance 01' reinsurance carriers. That compensation is derived fi'om your premium payments. Additionally, it is possible that we, or our corporate parents or affiliates, may receive contingent payments or allowances from insurers based on factors which are not client-specific, such as the pelfonnance and/or size of an overall book of business produced with an insurer. We generally do not know if such a contingent pa)ol1ent will be made by a particular inStlrer, or the amount of any such contingent payments, until the underwriting year is closed. That compensalion is pm1iaJly derived from your premium dollars, afler being combined (or "pooled") with the premjul1l dollars of other insureds that have purchased similar types of coverage. V../c may also receive invitations to probt"J'ams sponsored and paid for by insurance caniers to infonn 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 husiness placed with the carrier you select. We ma),> on occasion, receive loans or credit from insurance companies. Additionally, in the ordinary course of our business, we may receive and retain interest on premiums you pay from the dale we receive them until the date the premiums are remitted to the insurance company or intermediary, In the event that we assist with placement and other details of arranging for the financing of your insurance premium, we may also receive a fee from the premium finance company. Wholesale Broker/Managing General Agent: Public Risk Vndcrwritcrs This intennediary is ov.rned in whole or part by Brovm & Brown, Inc., the parent company of Brown & Brown of Florida, Inc. -Miami Division. Brown & Brown entities operate independently and are n01 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 I Managing General Agent may provide additional services including, but not limited to: underwriting; loss control; tisk placement; coverage review; claims coordination with insurance company; and policy issuance. Compensation paid for those services may be up to 15% of the premium you pay for coverage, and any compensation paid for those services is derived from your premium payment. The fee, if any, for the Wholesale Insurance Broker's/Managing General Agent's services above is $ No Fee. If we are being compensated based upon a fixed dollar amount or fixed percentage fcc, meaning that the contract specifies our compensation and states anywhere in the document that additional compensation will not be paid to us or any other party, any additional compensation to us or any other party, including wh01esale brokers or third party intermediaries, is strictly prohibited. Likewise, if our contract sets compensation based upon a fixed dollar amounl or fixed percentage fee, and the conlract specifies that additional compensation shall be credited to the insured, any additional compensation to any parly, including brokers, wholesale brokers or third party intennediaries, must be promplly returned to you. If our contract is not based upon such fixed fee tenns, no owned or affiliated party, induding brokers, wholesale brokers or third pat1y intennediaries, may accept any type of compensation without full disclosure by the undersigned broker to you of the dollar amount or percentage of compensation prior to binding your coverflge, Should you have any questiolls\ or require any additional infol1natiol1, please contact this office at 1-305-714-4400 or if you prefer, submit your question or requesl online at http://www.bbinsurance.com/customerinquiry .3h tml, 40 45 PROPOSAL VARIANCE --------.----_._---_._-_._ .. _----_.- Changes that need to be made prior to binding: 46 41 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 eal11ed premium be less than the minimum premium. Therefore, the policy may generate an additional premium on audit, but not a retUl11. If such a policy is cancelled mid-tenn, the earned premium is the GREATER of the annual minimum times the SI101t rate or pro-rata factor, or the actual earned as detcl111ined by audit, subject to a sh01t rate penalty if applicable. MINIMUM EARNED PREMIUM A minimum ea111ed 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 ofthe annual carned premium whether calculated on a pro-rate or Sh011 rate basis, or the minimum eamed premium. FLAT CANCELLATIONS Surplus lines insurance companies normally do not allow flat cancellations. Once the policy is in effect, some premium will he eamed. If you need further explanation, please do not hesitate to contact us. 42 47 CLAIM REPORTING GUIDELINES Make Brown & Brown, Inc. aware of any and all incidents immediate(v 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 repOli. Gather as much concrete infonnation 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 infonnation either by mail, e-mail or fax to: Brown & Brown of Florida, Inc. -Miami Division Alexand.·a 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. 43 48 DEFINITIONS 49 44 PROPERTY DEFINITIONS Coinsurance Most building and business personal propelty policies havc a coinsurance clause, which requires the insured to carry insnrance equal to at least a specified percentage of the actual cash value of the property. If a loss occurs, and it is determined that the amount of insurance carried is less than the amount required, a penalty could be placed on the insured. (Example Attached) Agreed Value 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 insnred 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 insnred and the insurance company agree on the val ue of the property before the policy is issucd. This OPtion is usually assigned to one-of-a-kindpropeliy. Replacement Propelty can be valued in several different ways. Insurance companies commonly Cost & Actual usc two approaches to determine value, which also detennines how a loss will be Cash Value paid: the replacement cost method and the actual cash value method. Insurers consider replacement cost of a propctly item to be the cost to replace it with new property of like kind. Actual cash value 18 replacement cost, minus the accumulated depreciation for age and condition. Iuflation Guard 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 f,'Tadually during the policy tenn so that the total increase amounts to the desired percentage increase at the end of the policy term. Coverage In addition to the limits stated in the Building and Personal Propeliy coverage Extensions & fOl1n, the policy has a coverage extensions section and an additional coverages Additional section. The coverage extensions section provides limited coverage for newly Coverages acquired or constructed property, propelly of others, celtain out door property, and the cost of research and reconstruct infol1nation on destroyed records. When coverage is placed on the all risk f01111, two additional extensions are added for propelly 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 fi'om 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. Basic Form Fire, lightning, explosion, windstorm or hail, smoke that causes sudden and accidental loss or damage, aircraft or vehicles, riot or civil commotion, vandalism, sprinkler leakage, sink hole collapse and volcanic action. Bl'OadForm Fire, lightning, explosion, wind stann or hail, smoke that causes sudden and accidental loss or damage, aircraft or vehicles, riot or civil commotion, vandalism, sprinkler leakage, sink hole collapse, volcanic action, glass breakage, falling objects, weight of snow, ice, or sleet, and water damage (accidental discharge or leakage). Special Form Excluding tlood and earthquake. 50 45 EQUIPMENT BREAKDOWN DEFINITIONS Definition of Equipment Breakdown Coverage (Boiler & Machinery) Expediting Expense Automatic Coverage 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 pal1 of the equipment described in the policy. Which pays the reasonable extra cost incurred to expedite progress after a loss Covers accidents to objects at newly acquired locations for up to ninety days after the named insured acquires the property. 46 51 GENERAL LIABILITY DEFINITIONS Premises/Operations Products/Completed Operations Personal Injury Advel'tising lnjul'Y Medical Payments Fire Damage --------- Coverage is provided for damages arising out of ownership or occupancy of the insured premises when maintained in a reasonable manner. This also covers damages arising out of operations perfollned by the insured business. Products coverage is provided for damages arising out of products manufactured, sold, handled or distributed by the insured. Completed Operations covers damages occuning after operations have been completed or abandoned, or after an item is installed or built and released for it's intended pUI1Jose. Personal Injury means 111Jury otber than bodily injury. Coverage is provided for injury resulting from offenses such as false arrest, malicious prosecution, detention or imprison111ent, the wrongful entry into, wrongful eviction from and other acts of invasion, or rights of private occupancy of a room. Coverage for libel and slander is also provided in the policy. This coverage pays for damages done in the course of oral or written adve11isement 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 adveJ1ising the. named insured's own goods, products or serVlces. Medical Payments coverage pays medical expenses rcsulting fi'om bodily injury caused by an accident on premises owned or rented by the insured, or locations next to such propelty, or when caused by the insured's operations. These payments are made without regard to the liability of the insured. The tire damage limit provides coverage for fire damage caused by negligence on the pat1 of the insured to premises rented to the named insured. If a fire occurs because of negligence of the insured and causes damage to prope11y not rented to the insured, coverage would be provided under the OCCUlTence limit. 47 52 GENERAL LIABILITY DEFINITIONS Continued ... Contractual Liability Extends your coverage to liability assumed undcr contract, applies to both oral and written agreements relating to named insured's business. Host Liquor Liability Covers your exposure for scrving liquor to clients or employees at company parties. Applies only to finns not engaged in business of selling or serving alcoholic beverages. Broad Form Property Damage Intcnded for finns, which perform work or services, rather than sell Coverage or produce products. Usually intended for construction contractors, repairers of automobiles, installers of propel1y. Incidental Medical Malpractice Extends term "bodily injury" to 111ean 111Jury ans111g out of rendering of or failure to render, dm1ng the policy period; medical, sur!,>ical, dental, x-ray, or nursing services, or fumishing of food or beverages in connection therewith or the dispensing or furnishing drugs or medical, dental or surgical supplies Non-Owned Watercraft (Under 26 feet in length) Provides coverage for liability, which Liability Coverage arises from any watercraft as long as watercraft is not owned by insured nor being used to cany persons or property for a fee. Limited Worldwide Coverage Intended to extend the scope of "policy tenitOlies" to anywhere in the world. Limited to the activities of any insured who 1S domiciled in the United States and the Oliginal suit for damage is brought within the United States, its territories, possessions, or in Canada. Extended Bodily Injury Amends definition of occurrence to; includes any intentional act by Coverage or at the direction of the insured, which results in bodily injury, but only if such bodily injury results from the use of "reasonable" force for purposes of protecting persons or property. Newly Acquired Organizations Automatic protection for newly acquired organizations until the new organizations is specifically added to the policy or 90 days, whichever occurs first. Additional Persons Insured Includes as insureds; (1) Any spouse of a partner conceming business activities of the partnership and (2) any employee of the named insurcd while acting within the scope of his or her duties. Does not apply to bodily injury or personal injury sustained by a fellow employee which occurs during the course of employment. Claims Made Form Only This coverage is provided automatically without an additional premIUm charge if coverage is canceled, not renewed, or the insurer renewal with a later retroactive date. The basic extended repOJiing 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 policy period. 48 53 WORKERS' COMPENSATION DEFINITIONS \Vorkel"S' This coverage agreement obligates the insurer to pay all compensation and Compensation other benefits required of the insured by the workers compensation law or Insurance occupational disease law of any state listed in the policy. The coverage applies to bodily injury by accident and by disease. Coverage (A) shows no dollar limit for the benefits provided Slnce any applicable limits would be those established within the law. Benefits under Coverage (A) are paid to the employee without regard to fault. Employers' This coverage protects employers for their legal liability for bodily injury by Liability accident or disease to an employee (ilising out of and in the course of the employee's employment when not covered under the workers compensation law. Before benefits are paid under this coverage, the employee must prove the employer is liable for the injury. 1. Bodily Injury By Accident This amount is the most an insurer will pay under Coverage (B) for all claims arising from any one accident, regardless of how many employees are involved in the accident. The standard limit is $100,000 for anyone accident, which can be increased. 2. Bodily Injury By Disease (Policy Limit) This is the aggregate limit the insurer will pay under Coverage (B) for all claims sustaining bodily injury by disease during the policy period. The standard policy limit is $500,000, which can be increased. 3. Bodily Injury By Disease (Each Employee) This amount is the most an insurer will pay under Coverage (B) for damages due to bodily injury by disease to anyone employee. The standard limit of liability for each employee is $100.000, which can be increased. Officer/Partner In some states, workers compensation law allows an insured to include or Exclusion exclude Executive Officers and Partners, or both, from coverage. Adding this endorsement can designate the individuals not covered under the policy. Experience This is a factor that deals with the rating of the policy. The Expelience Modification Modification fi!,'Ure is based on the insured's loss expeJience. The factor is used to increase or decrease the manual rates of insurance. Other States This provides workers compensation coverages if the insured expands Insurance operations into other states not declared at the time the policy is issued or renewed. If the insured elects this coverage and operations begin in a state listed under other states, the insurer provides the same coverage as if the state was declared in the policy at the time of policy issuance. USL&H This is a federal act, which is similar to the state workers compensation act. The federal act was designed to provide workers compensation benefits to employees who work in maritime employment upon the navigable waters of the United States and who are usually considered outside the scope of state workers compensation laws. When the USL&HW A endorsement is added to the standard policy it applies to work done in the states scheduled on the policy and extends the definition of the workers compensation law to include the USL&HW A. 54 49 UNDERSTANDING THE CLAIMS-lVIADE POLICY ------ The claims-made insurance policy provides financial protection for all claims presented during the CUlTent policy year, providing the claim occurred after the prior acts date. To understand the claims-made policy, we will define: Current Policy Year: The policy year begins on the effective date shown on the policy and expires on the expiration· date all shown on the policy. The policy's effective and expiration dates change with yearly renewal of the policy. The prior acts or retroactive date remains the same, so you are protected for incidents that occUlTed pJior 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 duJing the current policy year, are eligible for coverage by your current policy. Supplemental Exteuded 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 ()fyears you have been insured (prior act~ years) and the limits purchased. 50 55 AUTOMOBILE DEFINITIONS .----~. Liability Coverage The liability coverage of the commercial auto policy provides protection against legal liability ansmg out of the ownership, 1l1aintenancc, or use of any insured automobile. The insuring agreement a!,,'1'ces to pay damages for bodily injury or prope11y damage for which the insured is legally responsible because of an automobile accident resulting from the ownership, maintenance, or use of a covered aLltO. The insuring agreement also states that in addition to the payment of damages for which the insured is legally liable, the insurer also agrees to defend the insured for all legal defense cost. The defense cost is in addition to the policy limits. Owned Automobiles Covers the liability arising out of the ownership, maintenance or use of automobiles. Personal Injury Coverage is included for vehicle passengers under No-Fault Law Protections provisions. Medical Payments The insuring agreement states that the insurer will pay all reasonable Coverage and necessary medical and funeral expenses inculTed by an insured because of bodily injury caused by an accident. The insured is the named insured, the insured's employees and guests, and any other person occupying a covered auto. These payments are made without regard to fault. Uninsurcd/Undcrinsur Protects insureds who are not contributorily negligent against bodily ed Motorists injury caused by negligent under insured or uninsured dlivers and hit- and-run motorists. Hired Automobiles Covers the liability for the use of hired automobiles in your business. Non-Owned Covers the liability for the use of non-owned automobiles in your Automobiles business. An example would be an employee using his own car on an elTand for you. Comprehensive Pays for loss of or damage to automobiles from perils other than collision. Collision Pays for loss of or damage to automobiles from collision with another object or upset. Rental The business auto policy provides a coverage extension if an auto is Reimbursement insured for comprehensive or specified cause of loss coverage, which insures against loss 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 $10 and a maximum limit of $300. Payments begin forty-eight hours after the theft and ends when the insured auto is returned or when the insurer has paid the insured for the auto. For broader coverage, thc insured can pay an additional premium for rcntal 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 ll1aXllllum limit for this coverage vmics among insurers. 56 51 1 2 3 4 5 COVERED AUTO DESIGNATION SYMBOLS Any "Auto" Owned "autos" only. Only those autos you own (and for liability coverage any trailers you don't own while attached to power units you own.) This includes those "autos" you acquire ownership of after the policy begins. Owned Private Passenger "Autos" Only. Only the private passenger "autos" you own. This includes those private passenger "autos" you acquire ownership of after the policy begins. Owned "Autos" other than private passenger "autos" only. Only those autos you own that are not of the private passenger type (and for liability coverage any "trailers" you don't own while attached to power units you own.) This includes those autos not of the private passenger type you acquire ownership of after the policy begins. Owned "Autos' subject to No-Fault. Only those "autos" you own that are required to have No-Fault benefits in the state where they are licensed or principally garaged. This includes those "autos" you acquire ownership of after the policy bcgins provided they are required to have No-Fault benefits in the state where they are licensed or principally garaged. 52 ----~ 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 1110tOlists requirement. 7 Specifically Described "autos". Only those autos described in ITEM THREE of the Declarations for which a premiulll charge IS shown (and for liability coverage any "trailers" you don '( own while attached to any power unit described in ITEM THREE.) 8 Hired "Autos" Only. Only those autos you lease, hire, rent or borrow. This does not include any "auto" you lease, hire, rent or b011'OW fi'om any of your employees or pminers or members of their households. 9 Non-Owned "Autos" Only. Only those "autos" you do not own,lease, hire, rent or borrow that are used in connection with your business. This includes "autos" owned by your employees or partners or members of their households but only while used in your business or your personal afTairs. 57 Employee Dishonesty . Forgery or Alteration Theft, Disappearance & Destruction CRIME DEFINITIONS Employee dishonesty is considered to be a criminal act committed by an employee acting alone or in collusion with others. There must be intent by the employee to cause the employer a loss and to obtain a financial benefit for the employee or someone else. Coverage is provided for dishonest acts of employees of the named insured only. Coverage insures against loss of money, securities, and property other than money and securities. The blanket form provides coverage for dishonest acts of all employees. the limit for blanket coverage applies per loss, regardless of how many employees are involved. The scheduled fonn provides coverage only fClr the dishonest acts of employees specifically listed in the policy. On the scheduled form, a separate limit applies to each employee listed on the schedule. Forgery is generating a document or signature that is not genume. Alteration is changing a document in a manner that IS neither authorized nor intended. This f01111 insures against loss caused by the forgery or alteration of a covered item drawn against the insured's accounts. A covered item might be a check, draft, promissory note, bill of exchange or similar instrument. Theft means any act of stealing. Disappearance is unknown causes of loss. Disappearance lacks the elements of knowing if the crime was a theft, burglary or robbery. Destruction is the loss of celtain propelty, it is usually the result of another cause ofloss. Section (1) of the form covers money and securities against loss by theft, disappearance, or destruction inside the premises. Section (2) covers money and securities outside the premises in care and custody of a manager. 53 58 I 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 ce11ify, walTant or guarantee the financial soundness or stability of any insurance calTier or alternative risk transfer or pooling entity. We endeavored to place yoW' coverage with an insurance can'ier with an A.M. Best Company financial rating of "A-" or better' While Brown & Brown cannot certify, warrant or guarantee the J1nancial soundness Or stability of any insurance calTier 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 nolice and disclosure of financial condition so that you can make an infoll11ed deciRion 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 may have other options for your insurance placement, including quotations with insurance carriers holding an "A-" or better rating fi'om A.M. Best Company. Altel'llative quotes may be available with an A-or better rated carrier upon your request. • Coverage is being placed through Preferred Governmental Insnrance Trust ("Preferred"), which is as a Florida local government seU~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 insW'llnce companies and other coverage providers including local govenunent self-insnrance funds like Preferred may change rapidly and that such changes are beyond the control of Brown & Brown. • You should review the J1nancial and membership infoimation from Preferred and agree to abide by the conditions of membership established by Preferred. • You should consider the information provided, including tbe 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 TBD 10101118 TO 10101119 811712018 54 59