Brokerage Services for Health Insurance and Benefits

The City of DeBary, Florida is requesting proposals for comprehensive brokerage services for health insurance and employee benefits under RFP 1226, with a Notice of Intended Decision issued July 6, 2026 awarding the contract to Brown & Brown Insurance Services following a June 24, 2026 proposal due date.

This procurement is functionally closed to new bidders. A scoring evaluation by three reviewers resulted in Brown & Brown Insurance Services scoring 98.67 out of 100 possible points against Weatherford Insurance at 72.66 points. The City has issued formal notice of intended award to Brown & Brown, triggering a protest period under Florida Statutes 120.57(3). Interested parties may file a protest with Susan Perry, City of DeBary Purchasing Coordinator, at sperry@debary.org.

The scope encompasses Broker of Record services for approximately 49 full-time city employees, including consultation and negotiation for medical, dental, vision, basic and voluntary life and accidental death and dismemberment (AD&D), short-term disability, and long-term disability coverage. Services include insurance needs assessment, unbiased carrier recommendations, rate negotiation at renewal, compliance with HIPAA, PPACA, FMLA, ADAAA, and COBRA regulations, wellness program development, marketing and enrollment support, and program analysis. The City currently maintains split-funded plans with Blue Cross/Blue Shield (medical), Guardian Insurance Company (dental, vision, life, disability), and Medcom (COBRA administration).

The initial contract term is five years with one optional five-year renewal. Brown & Brown submitted commission-based compensation across all seven coverage types ranging from 4% for medical to 15% for dental on a monthly frequency basis. Evaluation scoring weighted qualifications and experience (30 points), scope response (40 points), proposal price (20 points), and responsiveness and completeness (10 points). Required insurance includes Commercial General Liability ($1 million each occurrence), Business Auto Liability ($1 million each accident), Commercial Umbrella ($1 million), and Professional Liability ($1 million per occurrence/$2 million aggregate).