RFP-2018-0369_-_Property_and_Casualty_Insurance.pdf

PROPERTY AND CASUALTY INSURANCE

FOR THE CITY OF CASSELBERRY

Request for Proposal No. RFP-2018-0369

REQUEST FOR PROPOSAL

CITY OF CASSELBERRY, FLORIDA

Notice is hereby given that Ben Few & Company, LLC, as consultant on behalf of the City of Casselberry, will receive sealed proposals from legal entities authorized to do business in Florida at the offices of Ben

Few & Company, LLC, 4560 Via Royale, Suite 3, Fort Myers, FL 33919, for:

RFP NO. 2018-0369

It is the intent of Ben Few & Company, LLC, as consultant on behalf of the City of Casselberry, to request proposals from experienced and qualified firm(s) to provide competitive proposals for the City’s property and casualty insurance program.

PROPOSAL DUE DATE: August 10, 2018 AT 2:00 P.M. (EDT)

Proposals may be mailed or hand delivered to the offices of Ben Few & Company, LLC, 4560 Via Royale, Suite 3, Fort Myers, FL 33919, NO LATER THAN 2:00 PM (EDT) August 3, 2018. PROPOSALS RECEIVED

AFTER THIS DATE AND TIME WILL BE REJECTED AND WILL NOT BE OPENED.

TABLE OF CONTENTS

Overview Page 4

Instructions for Preparing Proposals Page 8

Evaluation of Proposals Page 10

Scope of Services Page 12

Attachments Page 20 Attachment A – Coverage Document Attachment B – Statement of Values Attachment C – Projected Payroll Attachment D – Loss History Attachment E – Drug Free Workplace

OVERVIEW

1. INTENT AND PURPOSE

The City of Casselberry, hereinafter referred to as the “City,” desires to contract for Professional Services to provide property and casualty insurance and other risk management services. Coverage lines to be included are Property/Inland Marine, Boiler and Machinery, Crime, Comprehensive General Liability (including Medical Attendants’/Medical Directors’ Malpractice Liability), Automobile Liability and Auto Physical Damage, Public Official Liability (including Employment Practices Liability), Law Enforcement Liability, Workers’ Compensation, and Cyber Liability. With respect to renewal proposals for the City’s current program or any option utilizing deductibles rather than self-insured retentions, where applicable, additional services should include loss control services, claims administration, medical nurse case management, and appropriate legal representation and consultation as necessary to the relevant line of coverage. Proposers can assume that when these types of services are referred to, they are being referred to with respect to the City’s current program or for those lines utilizing a deductible.

2. BACKGROUND

The City of Casselberry was incorporated in 1965 and is located at the crossroads where U.S.

Highway 17-92 and State Road 436 intersect. Both of these roads are known for the substantial retail and multi-family development. The City is committed to redevelopment activities along U.S. Highway 17-92, including a mix of retail, government, residential and recreational activities.

Located just 20 minutes northeast of downtown Orlando, Casselberry’s city government is focused on meeting the needs of businesses looking to relocate and/or entrepreneurs who are seeking the right location to jump-start a new enterprise. One of the fastest growing areas in Metro Orlando, Casselberry is an exciting, thriving community in which to do business.

The City operates under a Commission/Manager form of government and provides a full range of services to include, police, the construction and maintenance of streets, sidewalks, parks, stormwater, wastewater, water and other infrastructure, engineering, planning and community development, code enforcement, general administration and support services, and recreational and cultural events.

A quick City snapshot (as of 2016, provided by the Casselberry Community Development Department):

Area: 7.6 square miles Population: 27,786 Median Household Income: $44,192 18 Parks Over 24 Lakes Public Golf Course Voted “Best Workplace for Commuters” by the National Center of Transit Research

3. TIMELINE

TIMELINE FOR RFP 2018-0369

June 6, 2018 Issue RFP

June 20, 2018 Last Day for Questions

August 10, 2018 Proposals due by 2 p.m. (EDT)

Mid-August, 2018 Proposal Evaluation

Late August, 2018 Submit Evaluation Results to Commission

October 1, 2018 Policy Renewal

4. PROTESTS AND APPEALS

A. Any prospective Proposer or Respondent may file a Notice of Solicitation Protest concerning a Solicitation in writing to the Procurement Administrator. The protest shall be received in the Procurement Division Office at least three (3) business days prior to the due date for the Solicitation in accordance with Section VIII of the City of Casselberry Purchasing Policy.

B. Any Proposer or Respondent, who is not the intended awardee and who claims to be the rightful awardee, may file a Notice of Award Protest, in writing, with the Procurement Division Office, by 5:00 pm on the third (3rd) business day after the Notice of Intent to Award is posted. An Award Protest is not valid if filed by a Proposer who cannot show they would be awarded the Contract if their protest is upheld in accordance with Section VIII of the Casselberry Purchasing Policy.

C. The decision of the City Commission shall be final and conclusive.

5. PUBLIC RECORDS COMPLIANCE

The City is a public agency subject to Chapter 119, Florida Statutes. In addition, all responses to this solicitation shall be considered public record subject to distribution pursuant to the request for records by any interested party.

The successful PROPOSER agrees to comply with Florida’s Public Records Law. As such the following language applies effective July 1, 2016 and shall be included in the awarded agreement:

A. The parties specifically acknowledge that this agreement is subject to the laws of the state of Florida, including without limitation Chapter 119, Florida Statutes, which generally make public all records or other writings made or received by the parties. If the PROPOSER is either a “contractor” as defined in Section 119.0701(1)(a), Florida Statutes, or an “agency” as defined in Section 119.011(2), Florida Statutes, the PROPOSER shall:

1. Keep and maintain all public records required by the CITY to perform the services herein; and

2. Upon request from the CITY’s custodian of public records, provide the CITY with a copy of the requested records or allow the records to be inspected or copied within a reasonable time at a cost that does not exceed the cost provided in Chapter 119, F.S. or as otherwise provided by law; and

3. Ensure that public records that are exempt or confidential and exempt from public records disclosure requirements are not disclosed except as authorized by law for the duration of the agreement Term and following completion of the agreement if the PROPOSER does not transfer the records to the CITY; and

4. Upon completion of the Agreement, transfer, at no cost, to the CITY all public records in possession of the PROPOSER or keep and maintain public records required by the CITY to perform the services herein. If the PROPOSER transfers all public records to the CITY upon completion of the Agreement, the PROPOSER shall destroy any duplicate public records that are exempt or confidential and exempt from public records disclosure requirements. If the PROPOSER keeps and maintains public records upon completion of the Agreement, the PROPOSER shall meet all applicable requirements for retaining public records. All records stored electronically must be provided to the CITY, upon request from the CITY’s custodian of public records, in a format compatible with the information technology systems of the CITY.

B. All requests to inspect or copy public records relating to the agreement shall be made directly to the

CITY. Notwithstanding any other provision of this agreement to the contrary, failure to comply with the requirements of this paragraph shall result in the immediate termination of the agreement, without penalty to the CITY. A PROPOSER who fails to provide the public records to the CITY within a reasonable time may be subject to penalties pursuant to Section 119.10, F.S. Further, the PROPOSER shall fully indemnify and hold harmless the CITY, its officers, agents and employees from any liability and/or damages, including attorney’s fees through any appeals, resulting from the PROPOSER’s failure to comply with these requirements.

C. IF THE PROPOSER HAS QUESTIONS REGARDING THE APPLICATION OF CHAPTER 119, FLORIDA

STATUTES, TO THE PROPOSER’S DUTY TO PROVIDE PUBLIC RECORDS RELATING TO THIS

AGREEMENT, CONTACT THE CITY’S CUSTODIAN OF PUBLIC RECORDS, ATTN: DONNA G. GARDNER, CMC, CITY CLERK, AT 407-262-7700 EXT. 1133, DGARDNER@CASSELBERRY.ORG, 95 TRIPLET LAKE

DRIVE, CASSELBERRY, FLORIDA 32707.

6. CONFLICT OF INTEREST

All Proposers shall disclose, with their proposal, the name of any officer, director, or agent who is also an officer or employee of the City of Casselberry. Furthermore, all Proposers shall disclose the name of any City of Casselberry officer or employee who owns, directly or indirectly, an interest of ten percent (10%) or more of the Proposer's firm or any of its branches, subsidiaries, or partnerships. Failure to disclose in this manner will result in the disqualification of the Proposer or the cancellation of work. It is the sole responsibility of the Proposer to ensure compliance with the Section 2.1, Conflict of Interest of the City of Casselberry Purchasing Policy. The City may seek damages for the recoupment of losses in having to re-solicit or re-assign this project.

7. NON-COLLUSION/LOBBYING CERTIFICATION

All Proposers submitting a proposal certify that such person, firm, association, or corporation has not either directly or indirectly, entered into any agreement, participated in any collusion, or otherwise taken any action, in restraint of free competitive bidding in connection with the proposal submittal. In addition, no City appropriated funds have been paid or will be paid to any person for influencing or attempting to influence a member of the City Commission, City Manager or any City employee in connection with the awarded agreement as a result of this solicitation process.

8. PUBLIC ENTITY CRIMES

As required by section 287.133, Florida Statutes, the Proposer warrants that it is not on the convicted contractor list for a public entity crime committed within the past thirty six (36) months. The Proposer further warrants that it will neither utilize the services of, nor contract with, any supplier, sub-contractor, or consultant in connection with this agreement for a period of thirty six (36) months from the date of being placed on the convicted contractor list. By way of a submittal response completion and signature on this solicitation, the Proposer certifies that it is qualified to do business with the City of Casselberry in accordance with all Florida Statutes.

9. DRUG FREE WORKPLACE PREFERENCE

Certification of an implemented drug-free workplace program must be included with the RFP response when submitted. If your firm has implemented a drug-free workplace program, please complete the Drug-Free Workplace Certification and include with your RFP response.

INSTRUCTIONS FOR PREPARING PROPOSALS

1. RULES FOR PROPOSALS

A. The proposal must name all persons or entities interested in the proposals as principals of the Project Team. The proposal must declare that it is made without collusion with any other person or entity submitting a proposal pursuant to this RFP.

B. Any questions regarding a project or submittal shall be directed to the Consultant, Ben Few &

Company, LLC. There shall not be any contact between a Proposer and any member of the City Commission, City Manager, or City staff regarding the project or proposal submitted by any Proposer. Any Proposer contacting any member of the City Commission, City Manager or City staff regarding a submitted proposal is subject to sanctions up to and including having the City disqualify that firm’s submittal.

2. PROPOSAL FORMAT/REQUIREMENTS

Firms shall prepare their proposals using the format outlined in this section and in conjunction with the Evaluation Form. Firms shall provide one original proposal (hardcopy) and one electronic copy in PDF format.

Proposers shall include the following information in their written proposal document and should use the following format when compiling their responses. Sections should be tabbed and labeled;

pages should be sequentially numbered at the bottom of the page.

Title Page: Title Page shall show the request for proposal’s subject, title and proposal number; the firm’s name; the name, address and telephone number of a contact person; and the date of the proposal.

Transmittal Letter: The response shall contain a cover letter signed in blue ink by a person who is authorized to commit the PROPOSER to perform the work included in the proposal and should identify all materials and enclosures being forwarded in response to the RFP.

Table of Contents: The Table of Contents shall provide listing of all major topics, their associated section number, and starting page.

Tab 1 Qualifications of Firm: Provide a statement of your qualifications. Identify your firm’s capability and experience on similar assignments, particularly for municipalities. Include a description of the firm, its organizational structure, the location of the principal offices and the location of the office that would manage the services.

Tab 2 Experience of Team: List the key personnel and their individual responsibilities on this assignment.

Include the extent of each person’s participation and their related experience. Indicate the approximate percentage of the total work to be accomplished by each individual. List all subcontracted services and TPAs, attorney firms, managed care arrangements, and vendor service providers.

Individual Resumes: Resumes of all key personnel within the team shall be provided. Each resume shall not exceed two (2) pages in length.

Tab 3 Provided Services: In addition to the information requested in the Scope of Services please provide the following:

a) Statement of proposer’s understanding of governmental entity/municipal insurance coverages and risk services

b) Statement indicating how the proposer, is at a minimum, able to meet all of the principal areas defined in the RFP’s Scope of Work

c) Statement regarding extent to which individual coverages being proposed are separable without a change in premium costs

d) Examples of premium and service billings as well as examples of sound cost allocation methods

e) Proposal of coverage details, including premiums, shall follow the format in the Scope of Services. Proposers shall detail the coverage being offered and shall detail ANY deviation from what has been requested.

Tab 4 References: List three (3) recent governmental clients, comparable to the City of Casselberry, for whom similar or comparable services have been performed. Include the name, mailing address, e-mail, and telephone number of their principal representative. Describe, in detail, each clients’ outcomes and the process your company took to achieve those outcomes.

EVALUATION OF PROPOSALS

EVALUATION METHOD AND CRITERIA: Ben Few & Company, LLC as the Consultant for the City will evaluate all submissions, and present to the City a comprehensive analysis of the proposals submitted.

The City will make the final determination which option to recommend to the City Commission for implementation.

All proposals will be subject to a review. It is the intent of the City that all proposers responding to this RFP, who meet the requirements, will be evaluated in accordance with the criteria established in these documents. All responsive and responsible proposals received will be considered during evaluation and award process.

Proposals shall include all of the information solicited in this RFP, and any additional data that the PROPOSER deems pertinent to the understanding and evaluating of the proposal. Proposers will provide their best price and cost analysis and should not withhold any information from the written response in anticipation of presenting the information orally or in a demonstration, since oral presentations or demonstrations may not be solicited. Each proposer will be evaluated based on the criteria herein addressed.

During the evaluation process and at the sole discretion of the City or its consultant, requests for clarification of one or more proposer submittals may be conducted. This request for clarification may be performed in a written format, or through scheduled oral interviews. Such clarification request will provide proposers with an opportunity to answer any questions the City or its consultant may have on a proposer’s submittal.

A. General: The Consultant on behalf of the City shall be the sole judge as to the merits of the proposal(s), and the resulting agreement. The City’s decision will be final. The City’s evaluation criteria will include, but shall not be limited to, considerations listed under the Scope of Services.

B. The award of this RFP may be in total or in part, to one (1) firm who will provide the overall best turnkey proposal who is the most qualified, responsive, and responsible proposer(s), and fulfills all requirements, and whose evaluation by the Consultant indicates that the award will be in the best interest of the City.

C. EVALUATION CRITERIA: Proposals will be reviewed and evaluated based on the format and content outlined as follows:

EVALUATION CRITERIA POINTS

Qualifications of Firm:

• Shows a strong knowledge of how to provide, place and structure governmental entity/municipal insurance coverages and risk management services. (0 to 5 points)

• Proves a successful history of providing governmental entity/ municipal insurance coverages and risk management services. (0 to 5 points)

10 max.

Experience of Team:

• Incorporates strong team structure (including successful relationships with outside vendors, TPAs, attorneys, etc.) and able to handle entire task.

(0 to 10 points)

• Team members have resumes that reflect experience in providing governmental entity/municipal insurance coverages and risk management services. (0 to 10 points)

20 max.

Responsiveness to Requested Scope:

• Shows a deep understanding of the entire scope of governmental entity/municipal insurance coverages and risk services being requested herein. (0 to 10 points)

• Able, at a minimum, to meet all of the principle areas defined in the RFP’s Scope of Work. (0 to 20 points)

30 max.

Cost:

• Demonstrates a proven ability and creative approach to cost control, structuring and obtaining the best rates from the insurance market.

(0 to 30 points)

• Cost breakdown meets the proposal requirements. (0 to 5 points)

35 max.

References:

• Lists strong references reflecting examples of successfully providing similar services to other local governmental entities. (0 to 5 points)

5 max.

TOTAL EVALUATION 100

SCOPE OF SERVICES

The City of Casselberry, hereinafter referred to as the “City,” desires to contract for Professional Services to provide property and casualty insurance and other risk management services. Coverage lines to be included are Property/Inland Marine, Boiler and Machinery, Crime, Comprehensive General Liability (including Medical Attendants’/Medical Directors’ Malpractice Liability), Automobile Liability and Auto Physical Damage, Public Official Liability (including Employment Practices Liability), Law Enforcement Liability, Workers’ Compensation, and Cyber Liability. With respect to renewal proposals for the City’s current program or any option utilizing deductibles rather than self-insured retentions, where applicable, additional services should include loss control services, claims administration, medical nurse case management, and appropriate legal representation and consultation as necessary to the relevant line of coverage. Proposers can assume that when these types of services are referred to, they are being referred to with respect to the City’s current program or for those lines utilizing a deductible.

Insurance funds, captive insurers, other types of providers, or insurance carriers with a rating of “A” or above by A.M. Best are preferred. No proposal will be accepted by the City where insurance coverage is to be provided by any insurer or organization which has a rating from any of the following recognized rating firms which is less than the minimum rating specified below for the rating firm:

Minimum Rating Firm Rating A.M. Best A Duff & Phelps BBB- Moodys Baa3 Standard & Poor’s BBB- Weiss Ratings, Inc. C-

If the coverage is to be provided by a person or organization not rated by one or more of the above designated rating firms, proposals for such coverage or service will only be accepted if the person or organization providing the service or coverage:

1) Has, as of the proposal return date specified in the RFP, been successfully operating in the State of Florida for a minimum of five (5) consecutive years;

2) Submits with its proposal its last audited financial statement issued by a Certified Public

Accountant, which:

a) is dated no earlier than 18 months prior to the proposal return date specified in the RFP;

b) offers an unqualified opinion of the financial viability of the person or organization.

1. SCOPE OF SERVICES: The scope of work is a general guide to the work the City expects to be performed by the Proposer and is not an exhaustive listing of all services that may be required or desired.

2. POLICY/CONTRACT FORMAT: The City may benefit by combining coverage options from more than one proposal. Each proposer should state the extent to which individual coverage lines being proposed are separable without a change in premium costs.

3. PAYMENT OF PREMIUMS: The City desires to have the options of installment payments.

Proposers are requested to indicate their most favorable terms and payment options.

4. LOSS CONTROL ASSISTANCE: Proposers are expected to provide loss control and safety assistance and are requested to submit information regarding loss control programs and applicable costs, if additional.

5. COST ALLOCATION ASSISTANCE: Proposers are expected to assist the City and provide a sound method of cost allocation based on acceptable industry standards using the premium, exposures, and loss data. Billing premiums should be broken down by lines of coverage with all fees and charges clearly identified and directly associated with a line of coverage. Proposers are encouraged to provide examples of premium and service billing, as well as examples of sound cost allocation methods to aid the City with equitable distribution of the premium cost back into various funds and accounts.

6. CLAIMS SERVICES: (Applicable to current program, or any option specifying a deductible as opposed to an SIR.) Proposers are expected to provide prompt and professional claims service and are requested to submit information regarding claims service and applicable costs, if additional. Loss runs should be furnished to the City on a monthly basis, preferably in electronic format. Proposals should include sample loss runs.

7. EXISTING CLAIMS “RUN-OUT” MANAGEMENT: (Applicable to current, partial self-insured program.) Proposer should provide a program and procedure for dealing with “run-out” or existing claims at the termination or non-renewal of any contract period. This should include but is not limited to:

continued existing claims management and defense, transfer or sale of existing claims to a new carrier or third party, assuming existing claims from a former carrier, and final disposition of existing claims. All associated costs are to be clearly identified. For the purpose and intent of this RFP, existing claims means any style or type of claim with a date of loss prior to October 1, 2018, whether currently reported or not.

This procedure or method should be explained in detail by proposer and all potential costs for claims administration and defense should be clearly disclosed and identified.

8. LEGAL SERVICES: Proposers who include legal services as part of their claims service are requested to submit information regarding who is used, their contractual relationship with the proposer, the individual or firms’ qualifications and experience, and applicable costs, if additional. This should include legal consultation, pre-defense review, and claims defense.

9. GENERAL CONDITIONS

A. Named Insured for All Policies: The City of Casselberry, including elected officials, appointed officials, past officials, employees, and volunteers while acting within the scope of duties.

PLUS: Any affiliated or subsidiary board, authority, committee or independent agency (including newly constituted) provided that such affiliated or subsidiary board, authority, committee or independent agency is either a political body created by a listed named insured, or one in which controlling interest or membership therein is vested in a listed named insured.

B. Cancellation/Non-Renewal: The City shall be given at least 45 days’ notice of cancellation, non-renewal or adverse change of contracts.

C. Extension: The City desires an option to extend coverage 30-60 days beyond contract terms, with City providing at least 45 days’ notice to Proposer.

D. General Liability, Law Enforcement and Public Official Liability should be non-auditable.

10. GENERAL INFORMATION:

Named Insured: City of Casselberry Address: 95 Triplet Lake Drive Casselberry, FL 32707

Website: http://www.casselberry.org/ Effective Date of Coverage: October 1, 2018 through September 30, 2019

ALL QUESTIONS REGARDING THIS REQUEST FOR PROPOSAL SHOULD BE DIRECTED, IN WRITING, TO BEN FEW & COMPANY, LLC, Ben Few IV <ben@benfew.com>.

11. CURRENT COVERAGE INFORMATION: All current coverage and policy information is attached.

Any updates will be issued via addendum. See Attachment A – Coverage Document. The City’s current insurer is FMIT. The City carries a $25,000 deductible stop loss with varying maximums on most lines of coverage. Workers’ compensation is a first dollar program with no retention. Property is fully insured, with deductibles for both named storm (3%) and all other perils ($500).

12. MOST RECENT FINANCIAL STATEMENT AND ANNUAL REPORT: The City’s most recent Comprehensive Annual Financial Report (CAFR) is available to download via the City’s Website, http://www.casselberry.org/.

13. CURRENT EXPOSURE INFORMATION: See Attachment B – Statement of Values and Attachment C – Projected Payroll for 2018-19.

14. LOSS AND HISTORICAL EXPOSURE INFORMATION: For detailed loss information for all lines of claims, see Attachment D – Loss History.

15. Coverage terms should not deviate from what has been requested, although optional limits/deductibles/retentions differing from those specified may be considered.

16. COVERAGE BEING REQUESTED:

DESIRED PROPERTY COVERAGES:

• Building and Contents are to be insured on a Blanket Basis with an Agreed Value endorsement (no coinsurance).

• Coverage is to be on an “All Risk”, “All Other Perils” or “Special Perils Form” or its equivalent, including Wind and Flood.

• Coverage is to be on a Replacement Cost basis for real and personal property

• Building Ordinance Coverage should be included.

• Permission to Rebuild at another site or Not to Rebuild.

• Architect Fees should be included.

• Includes Property in Transit.

• Automatic Coverage – Up to - $20,000,000 – With No Additional Premiums for Remainder of Term.

• Options for higher AOP deductibles will be considered.

• Any shared or individual member wind deductible should not exceed 5% of the total values at each building / structure involved in the loss per any one occurrence.

• Proposers are to provide detailed information regarding their surplus ratio. Non-rated trusts should provide copies of their latest financial statements.

Rating Information:

BUSINESS INCOME/EXTRA EXPENSE: Business Interruption and Extra Expense Coverage with a $1,000,000 Blanket Limit.

INLAND MARINE: The following Inland Marine floaters are to be included, on a Blanket Basis, with an Agreed Value endorsement (no coinsurance).

• Scheduled Equipment Blanket/Per Schedule

• Miscellaneous Property Blanket/Per Schedule

• Mobile Radio/Telephone Blanket/Per Schedule

• Electronic Data Processing

Equipment Blanket/Per Schedule Media Included Extra Expense Included

• Watercraft Blanket/Per Schedule

• Employee Tools Coverage is to be on an “All Risk” or “Special Form” or its equivalent, including Flood.

• Automatic Coverage No Additional Premium – Remainder of Term (without updating schedule)

BOILER and MACHINERY: Comprehensive coverage including breakdown, should be proposed for all locations, for all objects in use or connect ready for use, objects acquired by the City after policy inception and at newly acquired locations.

Coverage is requested for all objects which may qualify as fired or unfired vessels, refrigerating and air conditioning systems and piping and accessory equipment and for all objects which may qualify as mechanical or electrical machines, apparatus or equipment which generates, controls, transmits, transforms, or utilizes mechanical or electrical power or energy.

Amount of Coverage:

Total Building Values $44,796,769 Total Content Values $7,869,355 Business Interruption & Extra Expense $1,000,000 Inland Marine / Other Equipment $1,984,932 Auto Physical Damage Values See schedule

TOTAL $55,651,056

Limit per Accident $50,000,000 Per Loss $500 Deductible

Valuation should be on a repair or replacement cost basis.

CRIME:

Faithful Performance: Employee dishonesty with faithful performance coverage: It is preferred that coverage include treasurers, comptroller, finance directors and tax collectors. Volunteer workers should be covered as employees.

Limits of Liability

Faithful Performance Position Bond $50,000 Employee Dishonesty $50,000

Deductible: $500 per occurrence

COMPREHENSIVE GENERAL LIABILITY:

Commercial General Liability including:

• Premises and Operations

• Products and Completed Operations

• Athletic Participation

• Broad Form Property Damage

• EMT/Paramedical Professional

• Coverage for Medical Director

• Employee Benefits Liability

• Failure to Supply (electricity, gas, water)

• Fire Damage Liability

• Host Liquor and Liquor Liability

• Incidental Malpractice

• Personal Injury

• Sewer Backup

• Watercraft Liability

• Deletion of “Care, Custody and Control” Exclusion

• Include Pesticide/Herbicide Spraying – Pollution

• Include Coverage for Legal Counsel on EEOC Administrative Hearings

An Occurrence Form should be proposed.

The following limits of coverage should be proposed. Alternative, higher limits may be proposed if the additional cost is reasonable.

Limits of Liability:

General Aggregate Limit No Aggregate

Products & Completed Operations Aggregate Limit No Aggregate Personal Injury $3,000,000 Each Occurrence $3,000,000 Fire Damage Limit $500,000 Extra Contractual Legal Expense $25,000

The City does not permit the insurers to endorse their policies to waive the City’s sovereign immunity above $200,000 per claim, or $300,000 per occurrence under current statutory limits.

Deductible: $25,000 deductible stop loss with a $258,174 maximum

AUTOMOBILE LIABILITY: Business Automobile Liability including hired and non-owned coverage limit of liability: $2,000,000 per occurrence.

Personal Injury Protection: As required by State or Federal law.

Uninsured Motorist Options: Exclude.

Automatic coverage throughout the policy term without updated scheduling– No Additional Premium.

The City does not permit the insurers to endorse their policies to waive the City’s sovereign immunity above $200,000 per claim, or $300,000 per occurrence under current statutory limits.

Deductible: $25,000 deductible stop loss with a $75,000 maximum

AUTOMOBILE PHYSICAL DAMAGE: Automatic coverage should apply through policy term.

Coverage is to include:

Comprehensive and Collision Hired and Non-owned Auto Physical Damage

Deductible: Comp/Collision deductibles are $1,000 on all scheduled vehicles.

PUBLIC OFFICIAL LIABILITY: Coverage is desired for any civil claim because of a wrongful act not ordinarily covered by general liability policies, including employment practice liability exposures and potential obligations arising from allegations of inadequate handling of employee disciplinary problems, acts alleging discrimination, hiring/firing, federal civil rights, sexual harassment and zoning. Coverage should be included for EEOC Administrative Hearings. Please specify coverages and limits for EEOC actions.

Proposer may quote coverage for Sexual Misconduct Coverage separate, if not included as part of the underlying Public Officials Liability. Please clarify included or excluded. If available separately, please quote.

Limits of Liability:

Errors and Omissions $3,000,000 per occurrence Employment Practices Liability $3,000,000 per occurrence

Employee Benefits Admin. Liability $3,000,000 per occurrence

Deductible: $25,000 deductible stop loss with a $258,174 maximum (shared with GL stop loss) Either “claims made” or “occurrence” forms may be proposed.

If “claims made” coverage is proposed, indicate the Retro Date or If “claims made” coverage is proposed, indicate availability of the Extended Reporting Period (tail) Coverage and the maximum duration of coverage.

LAW ENFORCEMENT LIABILITY: Coverage is desired for errors, omissions, or negligent acts arising out of the performance of the insured’s duties while acting as a law enforcement official or officer, in the regular course of public employment.

Coverage should include:

• Discrimination, Humiliation

• False Arrest, Detention and/or Imprisonment

• Improper Service of Process

• Libel, Slander and other Defamation of Character

• Malicious Prosecution

• Riot, Civil Commotion and Mob Action

• Sexual Harassment

• Violation of Civil Rights

• Violation of Property Rights

• Wrongful Entry and/or Eviction

• Premises Liability for police academies, firing ranges, training schools, jails/holding cells, and other premises occupied and used by the police department.

Limit of Liability: $3,000,000 per occurrence

Deductible: $25,000 deductible stop loss with a $258,174 maximum (shared with GL stop loss)

WORKERS’ COMPENSATION:

Coverage: Standard Workers’ Compensation Insurance is to be provided in accordance with Florida Workers’ Compensation Law and Florida Statutory Limits.

Employer’s Liability:

Each Accident $1,000,000 Disease-Policy Limit $1,000,000 Disease-Each Employee $1,000,000

Other States Insurance: Included

Deductible: $25,000 deductible stop loss with a $169,598 maximum

The following endorsements should be provided:

Voluntary Compensation Endorsement

Jones Act Endorsement Broad from all states coverage

CYBER LIABILITY COVERAGE: Proposer should have access to the appropriate markets to place Cyber Liability coverage and should propose coverage based on the limits provided by the current policy document through FMIT. Any deductible options are to be clearly identified. Individual or Combined aggregate limits are to be clearly identified.

Limits of Liability:

Information Security & Privacy $500,000 each Claim Agreement Aggregate Limit of Liability $500,000 Aggregate Information Security & Privacy $25,000 Deductible Privacy Notification Costs $10,000 Deductible Regulatory Defense and Penalties $25,000 Deductible Website Media Content Liability $25,000 Deductible PCI Fines and Costs $35,000 Deductible Cyber Extortion $35,000 Deductible First Party Data Protection $35,000 Deductible First Party Network Business Interruption $35,000 Deductible

Conflict of Interest and Non-Collusion Statement

A. This sworn statement is submitted with Proposal/ITN, or Contract Number RFP-2018-0369 Property and Casualty Insurance.

This sworn statement is submitted by_________________________________________ whose business address is [Name of entity submitting sworn statement] ______________________________________________________________________ and (if applicable) its Federal Employer Identification Number (FEIN) is _____________________ (If the entity has no FEIN, include the Social Security Number of the individual signing this sworn statement: ____________________.

My name is ________________________________ and my relationship to the above entity is ________________________.

[Please print name of individual signing]

B. CONFLICT OF INTEREST

A. The entity hereby submits a proposal/offer to ITB #_______________for _________________________________ Services.

B. The AFFIANT has made diligent inquiry and provided the information in this statement affidavit based upon its full knowledge.

C. The AFFIANT states that only one submittal for this solicitation has been submitted and tendered by the appropriate date and time and that said above stated entity has no financial interest in other entities submitting a proposal for the work contemplated hereby.

D. Neither the AFFIANT nor the above named entity has directly or indirectly entered into any agreement, participated in any collusion or collusive activity, or otherwise taken any action which in any way restricts or restraints the competitive nature of this solicitation, including but not limited to the prior discussion of terms, conditions, pricing, or other offer parameters required by this solicitation.

E. Neither the entity nor its affiliates, nor anyone associated with them, is presently suspended or otherwise prohibited from participation in this solicitation or any contract to follow thereafter by any government entity.

F. Neither the entity nor its affiliates, nor anyone associated with them, have any potential conflict of interest because and due to any other clients, contracts, or property interests in this solicitation or the resulting project.

G. I hereby also certify that no member of the entity’s ownership or management or staff has a vested interest in any City Division/Department/Office.

H. I certify that no member of the entity’s ownership or management is presently applying, actively seeking, or has been selected for an elected position within City of Casselberry government.

I. In the event that a conflict of interest is identified in the provision of services, I, the undersigned will immediately notify the City in writing.

C. NON-COLLUSION PROVISION CERTIFICATION

The undersigned hereby certifies, to the best of his or her knowledge and belief, that on behalf of the person, firm, association, or corporation submitting the bid certifying that such person, firm, association, or corporation has not, either directly or indirectly, entered into any agreement, participated in any collusion, or otherwise taken any action, in restraint of free competitive bidding in connection with the submitted bid. Failure to submit the executed statement as part of the bidding documents will make the bid nonresponsive and not eligible for award consideration.

D. LOBBYING CERTIFICATION

The undersigned hereby certifies, to the best of his or her knowledge and belief, that:

1. No City appropriated funds have been paid or will be paid, by or on behalf of the undersigned, to any person for influencing or attempting to influence either directly or indirectly an officer or employee of the City, City Council Member of Congress in connection with the awarding of any City Contract.

2. If any funds other than City appropriated funds have been paid or will be paid to any person for influencing or attempting to influence a member of City Council or an officer or employee of the City in connection with this contract, the undersigned shall complete and submit Standard Form-L “Disclosure Form to Report Lobbying”, in accordance with its instructions.

By the signature(s) below, I/we, the undersigned, as authorized signatory to commit the firm, certify that the information as provided in this Conflict of Interest and Non-Collusion Statement, is truthful and correct at the time of submission.

AUTHORIZED SIGNATURE

Typed Name of AUTHORIZED SIGNATORY

Title

STATE OF ________________

COUNTY OF ________________

The foregoing instrument was executed before me this ____ day of _______________, 2018, by ________________________________as________________________of_____________________________________, who personally swore or affirmed that he/she is authorized to execute this document and thereby bind the Corporation, and who is personally known to me OR has produced ___________________ as identification.

NOTARY PUBLIC, State of ____________

PLEASE COMPLETE AND SUBMIT WITH YOUR RESPONSE

Failure to submit this form may be grounds for disqualification of your submittal