Current_Policies.pdf

This is a current insurance policies document for Henry County, Florida, detailing the jurisdiction's existing property and casualty insurance coverage across multiple policy types and carriers. The document lists nine active insurance policies with their respective carriers, premium amounts, and effective dates ranging from October 1, 2025, through March 17, 2027. Coverage includes Auto (FMIT, $153,367), Property/Inland Marine (FMIT, $1,502,613), Workers Compensation (FMIT, $680,314), General/Professional Liability (FACT, $1,448,912), Cyber (FACT, $16,800), Storage Tank Liability (Commerce and Industry Insurance Company, $4,628.83), Liquor Liability (Mount Vernon Fire Insurance Company, $1,001), Blanket Accident Insurance for Recreation (National Union Fire Insurance Company of Pittsburgh, $8,265), and Property coverage for Freeport Business Owners Association (Bass Underwriters, Inc., $37,696), along with Blanket Accident Insurance for Probation (Axis Insurance Company, $2,381.40).

The total annual premium expenditure across all policies is approximately $3,855,963.46, with FMIT and FACT serving as the primary carriers for the largest coverage areas. The policies reflect a comprehensive insurance portfolio addressing the county's operational, liability, and specialized risk management needs. Most policies maintain consistent annual renewal terms, with several policies expiring at different intervals to align with specific coverage requirements and renewal cycles. This portfolio supports the county's broader risk management strategy and operational continuity across all municipal departments and functions.