Exhibit_A_-_Current_Insurance_Coverage_Premiums,_Exposures_&_Rates.pdf
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- Attached to
- Insurance Brokerage and Risk Management Services
- Solicitation number
- 2026-17
- Issued by
- Miami-Dade County, Florida
About this file
This document is an insurance coverage exhibit submitted by the City of Doral, Florida, detailing the municipality's current insurance premiums, exposures, and rates for Fiscal Year 2025-26. The exhibit serves as a baseline assessment for the City's insurance brokerage and risk management services solicitation. The City maintains comprehensive coverage across multiple lines including property, general liability, law enforcement liability, automobile, cyber liability, workers compensation, pollution, storage tank liability, flood insurance, and fine arts coverage. Current total insurance expenditures amount to $3,559,122, comprised of $3,534,122 in premiums plus a $25,000 service fee. The City's insured property and building values total $157,955,138, with additional equipment and watercraft valued at $418,228. Exposures include a total payroll of $46,627,727 across five classification categories, 194 full-time law enforcement personnel with arrest powers, 402 vehicles, and various municipal facility locations across Doral.
The City's insurance portfolio is distributed among multiple carriers including Florida Municipal Insurance Trust (serving as primary carrier for property, general liability, automobile, public officials/EPLI, workers compensation, pollution, storage tank liability, and law enforcement AD&D), Axis Insurance Company (fine arts coverage), Allied World Assurance Company/Florida Municipal Insurance Trust (pollution and remediation legal liability), ACE American Insurance Company/Florida Municipal Insurance Trust (flood insurance), Commerce and Industry Insurance Company (automobile coverage), and Wright National Flood Insurance Company (flood coverage). The City maintains a 0.89 experience modification rate and specific loss limits of $1,000,000 for storage tank incidents and remediation expenses. Flood coverage is segmented across seven municipal locations with varying insured values ranging from $270,000 to $1,000,000. This exhibit establishes the current risk profile and financial baseline for evaluating proposals from qualified insurance brokerage firms seeking to serve as the City's broker-agent of record and provide comprehensive risk management services.
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EXHIBIT “A”
Current Insurance Coverage Premiums, Exposures and Rates
Fiscal Year 2025-26
FY 2025-26
INSURANCE PREMIUMS
Property 1,609,553$ Inland Marine Inc in Prop General Liability 621,898$ Law Enforcement Liability Inc in GL Public Officials & EPLI Inc in GL Automobile 441,780$ Cyber Liability 51,000$ Workers Compensation 773,074$ Pollution (FMIT) 6,448$ Storage Tank Liability 1,143$ Law Enforcement AD&D (FMIT) 7,353$ Flood - Tails & Trails - 11645 NW 50 St 1,241$ Flood - Restroom - 5300 NW 102 Ave 961$ Flood - Doral Meadow Park - 11555 NW 58 St 1,551$ Flood - Morgan Levy Park Comm - 5300 NW 102 Ave 1,901$ Flood - Doral PD & Comm Center - 3719 NW 97 Ave 2,329$ Flood - Doral Central Park - 3000 NW 87 Ave 1,355$ Flood - City Hall - 8401 NW 53rd Ter 2,272$ Fine Arts Butterfly Scuplture 10,263$
Sub-total 3,534,122$ Service Fee 25,000$
Total Insurance Expenditure 3,559,122$
Building and Contents Value 157,955,138$
Equipment and Watercraft Totals 418,228$
Exposure (Payroll) 27,778,709$
Full Time with Arrest Powers 194 Part Time with Arrest Powers (Including Auxiliary) 3 Volunteers (Including Explorer Scouts) 9 Clerical (Police Clerical Only) 71 Dogs 6 Horses 1
Total Payroll (Including Police) 46,627,727.00$
# of Vehicles 402
Experience MOD 0.89 (5509) Street or Road Maintenance or Beautification & Drivers 2,253,050.00$ (7720) Police Officers & Drivers 18,849,018.00$ (8810) Clerical Office Employees NOC 11,401,540.00$ (9102) Park NOC-All Employees & Drivers 7,156,317.00$ (9410) Municipal, Township, County, or State Employee NOC 6,967,802.00$ Total Payroll 46,627,727.00$
Per Storage Tank Incident $1,000,000
Per Loss, Remediation Expense or Legal Defense $1,000,000
Full-Time Law Enforcement 187 Part-Time Law Enforcement 4 Auxiliary / Reserves / Volunteers 5 Dispatchers - Law Enforcement 5 Administrative - Law Enforcement 64
Tails & Trails - 11645 NW 50 St 387,000$ Restroom - 5300 NW 102 Ave 270,000$ Doral Meadow Park - 11555 NW 58 St 383,000$ Morgan Levy Park Comm Center - 5300 NW 102 Ave 710,000$ Doral PD & Comm Center - 3719 NW 97 Ave 1,000,000$ Doral Central Park - 3000 NW 87 Ave 414,000$ City Hall - 8401 NW 53rd Ter 1,000,000$
Total Insured Value 2,100,000$ Carrier: Axis Insurance Company Fine Arts Butterfly Sculpture
Pollution and Remediation Legal Liability Carrier: Allied World Assurance Company/Florida Municipal Insurance Trust
Law Enforcement AD&D Carrier: ACE American Insurance Company/Florida Municipal Insurance Trust
Carrier: Wright National Flood Insurance Company Flood (Total Insured Value Bldg & Contents)
Carrier: Florida Municipal Insurance Trust Workers Compensation
Pollution: Storage Tank Liability Carrier: Commerce and Industry Insurance Company
Carrier: Florida Municipal Insurance Trust
Automobile Coverage Carrier: Florida Municipal Insurance Trust
Public Officials Errors and Omissions: Including Employment Practices Carrier: Florida Municipal Insurance Trust
Inland Marine Carrier: Florida Municipal Insurance Trust
General Liability Carrier: Florida Municipal Insurance Trust
Law Enforcement:
City of Doral
Exposures & Rates
Current Insurance Coverage Premiums
Carrier: Florida Municipal Insurance Trust Property
| EXHIBIT “A” |
| EXHIBIT “B” |
| Exhibit A - Current Insurance Coverage Premiums, Exposures & Rates1.pdf |
| Draft 2 |
File details come from the government source that posted it. Updated .