RFP 2608 Addendum 1.pdf
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- Attached to
- Municipal Insurance Broker of Record Services
- Solicitation number
- RFP 2608
- Issued by
- New Haven County, Connecticut
About this file
This is Addendum #1 to RFP #26-08 for Municipal Insurance Broker of Record Services issued by the Town of Hamden, Connecticut on June 4, 2026. The RFP solicits comprehensive insurance brokerage services including risk assessment, policy recommendations, claims support, and ongoing risk management consultation. The Town seeks a primary representative to procure and manage municipal insurance coverage. Proposals are due June 9, 2026 at 11:00 a.m. EDT. The contract term is one year with up to three optional renewal years. Qualified respondents must demonstrate experience managing municipal insurance portfolios, strong carrier relationships, technical risk management expertise, and responsive client service capability.
The Town currently participates in the Connecticut Interlocal Risk Management Agency (CIRMA) for liability, automobile, property, and workers' compensation programs, with total annual premiums of $1,995,613 for the 2025-2026 policy period. CIRMA coverage includes general liability, automobile liability, public officials liability, law enforcement liability, school leaders liability, excess liability, blanket property coverage, and equipment breakdown. No incumbent broker compensation agreement exists beyond terms established through applicable carriers or programs. The Town's risk management priorities for the next three years include improving data analytics and trend reporting, strengthening cybersecurity and fraud prevention, reducing claim frequency and severity through safety initiatives, improving automobile liability performance, enhancing vendor risk transfer, developing employee safety programs, and maintaining long-term cost stability. Historical loss data through September 11, 2025 shows 123 total claims with approximately $1,738,234 in incurred losses, with automobile and general liability claims representing the most significant financial exposures.
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Text version
June 4, 2026
Addendum #1
RFP #26-08
Municipal Insurance Broker of Record Services
Hamden, Connecticut
1. Please confirm the # of years of this contract, including optional years.
One-year contract with up to three-year renewal option.
2. Provide a copy of the primary policy declaration pages of the CIRMA policy, if available.
The Town has extracted the following information from the CIRMA Liability-Auto- Property (LAP) proposal declaration pages for the 2025-2026 policy period. Key coverage highlights include:
• General Liability: $1,000,000 per occurrence
• Automobile Liability: $1,000,000 per occurrence
• Public Officials Liability: $1,000,000 per wrongful act
• Law Enforcement Liability: $1,000,000 per wrongful act
• School Leaders Liability: $1,000,000 per wrongful act
• Excess Liability: $25,000,000
• Blanket Property Coverage: $556,562,364
• Equipment Breakdown: $100,000,000 per occurrence
Total CIRMA premium for all lines offered: $1,995,613.
3. Please provide names if incumbent brokers, which policies are placed, and what the compensation basis is?
The Town currently participates in the Connecticut Interlocal Risk Management Agency (CIRMA) for its Liability, Automobile, Property, and Workers’ Compensation programs. Additional coverages, including Crime/Fidelity and certain specialty coverages, may be placed through CIRMA-sponsored brokerage arrangements and carriers.
Compensation is generally incorporated into premiums, fees, or commissions as applicable to the specific coverage placement. The Town does not currently maintain a separate brokerage compensation agreement beyond the terms established through the applicable carrier or program.
4. Provide 5 years of loss runs for the CIRMA LAP policy, if available and if appropriate. Note that reserve $ information can be removed.
The Town has provided available loss information through CIRMA's Stewardship Report. The full loss runs has been requested.
Summary of Liability-Auto-Property experience through September 11, 2025:
• Total Claims: 123
• Total Incurred Losses: Approximately $1,738,234
Breakdown by coverage:
Coverage Line Claims Total Incurred
Automobile 18 $667,404
General Liability 14 $456,125
Public Officials Liability 11 $381,384
Law Enforcement Liability 21 $124,000
Property 59 $108,846
The Town can provide additional detailed loss runs, subject to availability from CIRMA and applicable confidentiality restrictions.
5. What are the top insurance and risk management strategic goals, objectives and priorities for the next 3 years?
The Town's primary risk management objectives include:
1. Improve data analytics and trend reporting to support informed decision-making and resource allocation.
2. Strengthen cybersecurity, fraud prevention, and internal control measures.
3. Reduce claim frequency and severity through proactive safety initiatives and loss prevention programs.
4. Improve automobile liability performance through driver training, vehicle monitoring, accident review, and accountability measures.
5. Improve vendor risk transfer through consistent contract review and insurance compliance monitoring.
6. Continue development of employee safety, training, and incident reporting programs.
7. Maintain long-term stability of insurance costs while preserving appropriate coverage levels.
6. Have you experienced any major claim events or challenges in claim handling in the last 2 years? Please describe.
Like many municipalities, the Town has experienced challenges associated with automobile liability claims, public officials’ liability claims, and property-related incidents. Based on CIRMA's loss data, automobile and liability claims continue to represent the most significant sources of financial exposure.
Additionally, the Town has focused considerable attention on:
• Managing high-severity liability claims.
• Addressing aging infrastructure and property-related exposures.
• Monitoring public officials and employment-related claims.
• Improving claim reporting and coordination among departments.
• Strengthening oversight of workers’ compensation and return-to-work efforts.
• Enhancing documentation and investigation procedures to improve claim outcomes.
The Town continues to work closely with CIRMA, claims administrators, legal counsel, and departmental leadership to improve claim management practices and reduce future losses.
End of Addendum #1
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