Insurance Brokerage Services for Property and Casualty Insurance – Walton County, Florida

The Board of County Commissioners of Walton County, Florida (RFP No. 26-12) is soliciting proposals from qualified insurance brokers to provide comprehensive insurance brokerage services for property and casualty insurance coverage. The scope of services encompasses insurance program management, coverage analysis and program reviews, marketing and placement of insurance through competitive carrier solicitation, ongoing insurance services including policy management and claims interpretation, risk management and loss control services with on-site facility inspections, claims management and advocacy with dedicated claims representation, risk transfer and contract support, and strategic planning advisory services. The consultant will manage the County's diverse insurance portfolio including property, general liability, automobile liability and physical damage, workers' compensation, cyber liability, public officials and employment practices liability, inland marine, crime/fidelity, excess and umbrella liability, and specialty coverages such as pollution/environmental liability, drone/unmanned aircraft systems liability, liquor liability, and recreation-related insurance. The County currently maintains 101 insured locations with an aggregate insured value exceeding $165 million, manages a fleet of 448 vehicles, maintains extensive inland marine equipment valued over $18 million, and sustains annual insurance premiums totaling approximately $3.86 million across multiple carriers. Proposers will be evaluated on six weighted criteria: qualifications and experience (25 points), project team and key personnel (15 points), approach and understanding of scope of services (20 points), claims management and risk management services (15 points), references and past performance (10 points), and compensation and cost proposal (15 points). Proposals must be submitted by March 16, 2026, at 2:30 p.m. to the Walton County Office of Central Purchasing in DeFuniak Springs, Florida, or via teleconference, with written questions due by March 9, 2026, at 12:00 a.m. The contract term is estimated at two years from execution with options to renew for two additional one-year terms at the County's sole discretion, and the County reserves the right to terminate the contract at any time with or without cause.

The RFP does not specify explicit set-asides for disadvantaged enterprises, though local preference may be claimed by businesses maintaining a principal place of business within Walton County or having maintained a permanent place of business and employed county residents for at least six months prior to RFP advertisement. Current insurance is placed through multiple carriers including the Florida Municipal Insurance Trust (FMIT) for automobile, property, and workers' compensation coverage; the Florida Association of Counties Trust (FACT) for general liability and cyber liability; Commerce and Industry Insurance Company for storage tank liability; Mount Vernon Fire Insurance Company for liquor liability; National Union Fire Insurance Company of Pittsburgh for blanket accident insurance for recreation; AXIS Insurance Company for probation-related blanket accident coverage; and Bass Underwriters Inc. for specialty property coverage. The County requires proof of insurance from the selected consultant, including workers' compensation coverage, comprehensive general liability with a minimum of $1,000,000 combined limit per occurrence, comprehensive automobile liability with a $300,000 combined single limit, and professional liability with minimum limits of $1,000,000 per occurrence and in the aggregate. Proposers must clearly disclose all forms of compensation, including commissions, fees, contingencies, overrides, or other remuneration from carriers or third parties, with the County reserving the right to negotiate compensation structure with the highest-ranked proposer. No specific award value or budget range is detailed in the RFP; compensation may include commissions, fees, or a combination thereof to be determined through negotiation. Proposals are limited to 30 pages, excluding forms and resumes, and must include mandatory certifications including Public Entity Crimes Sworn Statement, Drug-Free Workplace Certification, Unauthorized Aliens Form, and proof of Florida registration.