Current_Policies.pdf

This is a current insurance policies document for Henry County, Florida, detailing existing coverage across multiple carriers and policy types. The document lists nine active insurance policies covering auto, property/inland marine, workers compensation, general/professional liability, cyber, storage tank liability, liquor liability, blanket accident insurance for recreation and probation, and property coverage for the Freeport Business Owners Association. The policies are issued by carriers including FMIT, FACT, Commerce and Industry Insurance Company, Mount Vernon Fire Insurance Company, National Union Fire Insurance Company of Pittsburgh, Bass Underwriters Inc., and Axis Insurance Company. Most policies maintain effective dates of October 1, 2025, through October 1, 2026, with the exception of several policies staggered between January and March 2026 through their respective anniversary dates in 2027.

Annual premiums for the policies total approximately $3.855 million, with the largest exposures being Property/Inland Marine at $1,502,613 and General/Professional Liability at $1,448,912. Workers Compensation coverage carries a premium of $680,314, while Auto coverage is $153,367. Smaller specialized coverages include Cyber insurance at $16,800, Property for Freeport Business Owners Association at $37,696, Blanket Accident Insurance for Recreation at $8,265, Blanket Accident Insurance for Probation at $2,381.40, Liquor Liability at $1,001, and Storage Tank Liability at $4,628.83. This policy portfolio establishes the current insurance baseline against which Henry County's upcoming Request for Proposal for Insurance Brokerage Services for Property and Casualty Insurance Services will be evaluated, with submissions due December 17, 2025.