Exhibit_D_-_All_Current_Policies.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
Exhibit D is a policy register document for the City of Doral, Florida, detailing the municipality's comprehensive insurance portfolio for Fiscal Year 2025-26. The City maintains multiple lines of coverage through various carriers including Florida Municipal Insurance Trust (FMIT), Wright National Flood Insurance Company, Allied World Assurance Company, Crum & Forster Specialty Insurance Company, Commerce & Industry Insurance Company, and Axis Insurance Company. Coverage includes property insurance with limits of $125,000,000, general liability at $5,000,000 per occurrence, workers compensation with bodily injury limits of $1,000,000 per accident, automobile liability at $1,000,000 combined single limit, cyber liability with a $5,000,000 aggregate limit, pollution liability with $1,000,000 per loss and $20,000,000 shared aggregate, fine arts coverage of $2,100,000, and multiple flood insurance policies for specific municipal facilities including Doral PD & Community Center, Doral Central Park, City Hall, Tails & Trails, a restroom facility, Doral Meadow Park, and Morgan Levy Park Community Center. Most primary coverage lines through FMIT are effective October 1, 2025 through October 1, 2026, while specialized flood policies maintain varying effective dates aligned with renewal schedules through May 2027.
The City's total annual insurance expenditure is $3,559,122, comprising $3,534,122 in premiums plus a $25,000 service fee, with insured property and building values totaling $157,955,138 and additional equipment and watercraft valued at $418,228. Deductibles and retentions vary by line of coverage, ranging from $0 for general liability and workers compensation to $50,000 for cyber liability and $10,000 for pollution liability. The policy register reflects the incumbent carrier structure that the City intends to replace through the concurrent RFP for insurance brokerage and risk management services, with all insurance carriers required to maintain minimum A.M. Best ratings of "A-" or higher. The City's current insurance program encompasses multiple dedicated limits and shared aggregates designed to protect municipal operations, employees, and assets across diverse risk categories including specialized coverages for law enforcement personnel and fine arts collections.
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EXHIBIT “D”
All Current Policies
Fiscal Year 2025-26
Line of Coverage Carrier/Trust Policy Number Effective Date Expiration Date Limit Deductible/Retention Premium (Incl Fees)
Storage Tank Liability Commerce & Industry Insurance Company FPL067381721 7/5/2025 7/5/2026 Each Incident Limit - $1,000,000
Aggregate Limit - $4,000,000 $5,000 $1,143.32
Flood - Doral PD & Community Center (3719 NW 97th Ave) Wright National Flood Insurance Company 09 1151634614 07 9/10/2025 9/10/2026 Building - $500,000 Contents - $500,000
Building - $1,250 Contents - $1,250
$2,329.00
Flood - Doral Central Park (3000 NW 87th Ave) Wright National Flood Insurance Company 09 1150850871 13 9/24/2025 9/24/2026 Building - $303,000 Contents - $111,000
Building - $1,250 Contents - $1,250
$1,355.00
Flood - City Hall (8401 NW 53rd Ter) Wright National Flood Insurance Company 09 1150852128 13 9/24/2025 9/24/2026 Building - $500,000 Contents - $500,000
Building - $1,250 Contents - $1,250
$2,272.00
Property FMIT 1073 10/1/2025 10/1/2026 $125,000,000 Dedicated Limit All Other Perils - $1,000
Named Storm - 5% $1,615,803.00
Inland Marine FMIT 1073 10/1/2025 10/1/2026 $418,228 Dedicated Limit Per Schedule Incl in Property
General Liability FMIT 1073 10/1/2025 10/1/2026 $5,000,000 Each Occurrence $0 $628,148.00
Professional Liability FMIT 1073 10/1/2025 10/1/2026 $5,000,000 Each Occurrence $0 Incl in General Liability
Employment Practices Liability FMIT 1073 10/1/2025 10/1/2026 $5,000,000 Each Occurrence $0 Incl In General Liability
Law Enforcement Liability FMIT 1073 10/1/2025 10/1/2026 $5,000,000 Each Occurrence $0 Incl in General Liability
Automobile Liability FMIT 1073 10/1/2025 10/1/2026 $1,000,000 Combined Single Limit
Personal Injury Protection - $10,000 $0 $293,586.00
Automobile Physical Damage FMIT 1073 10/1/2025 10/1/2026 Per Schedule Collision - $1,000
Comprehensive - $1,000 $154,444.00
Workers Compensation/Employers Liability FMIT 1073 10/1/2025 10/1/2026 Bodily Injury Each Accident - $1,000,000
Bodily Injury By Disease Policy Limit - $1,000,000 Bodily Injury By Disease Each Employee - $1,000,000
$0 $779,324.00
AD&D - Law Enforcement Officers FMIT N19011173 10/1/2025 10/1/2026 In Line of Duty - $75,000 Fresh Pursuit - $75,000
Unlawful and Intentional Act - $225,000 $0 $7,353.00
Pollution Liability Allied World Assurance Company 0310-3272 10/1/2025 10/1/2026 Each Loss - $1,000,000
Shared Aggregate - $20,000,000 $10,000
Waiting Period - 10 hours $6,448.00
Cyber Liability Crum & Forster Specialty Insurance Company CYB119511 10/1/2025 10/1/2026 Aggregate Limit - $5,000,000 eCrime Loss Sublimit - $250,000
$50,000 $51,000.00
Fine Arts AXIS Insurance Company AX013692404 10/8/2025 10/8/2026 $2,100,000
$0 - while in transit $0 - while in overseas transit
Standard Deductible - $0 Outdoor Art - $25,000
Windstorm Losses - $25,000 $11,453.48
Flood - Tails & Trails (11645 NW 50 St) Wright National Flood Insurance Company 09 1151218746 11 2/20/2026 2/20/2027 Building - $374,000 Contents - $13,000
Building - $1,250 Contents - $1,250
$1,240.00
Flood - Restroom (5300 NW 102nd Ave) Wright National Flood Insurance Company 09 1150865316 13 3/18/2026 3/18/2027 Building - $165,000 Contents - $105,000
Building - $1,250 Contents - $1,250
$961.00
Flood - Doral Meadow Park (11555 NW 58th St) Wright National Flood Insurance Company 09 1152573426 02 5/2/2026 5/2/2027 Building - $330,000 Contents - $53,000
Building - $1,250 Contents - $1,250
$1,551.00
Flood - Morgan Levy Park Community Center (5300 NW 102nd Ave) Wright National Flood Insurance Company 09 1152573435 02 5/2/2026 5/2/2027 Building - $500,000 Contents - $210,000
Building - $1,250 Contents - $1,250
$1,901.00
City of Doral Policy Register
| Exhibit D - All Current Policies.pdf |
| EXHIBIT “D” |
| EXHIBIT “E” |
| EXHIBIT “F” |
| EXHIBIT “G” |
| EXHIBIT “H” |
| EXHIBIT “I” |
| EXHIBIT “J” |
| EXHIBIT “K” |
| EXHIBIT “L” |
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