Property & Casualty Insurance Coverage

The Town of Orange Park is requesting proposals for property and casualty insurance coverage, automobile coverage, fuel storage tank coverage, police officers and firefighters accidental death and dismemberment coverage, and workers' compensation coverage effective October 1, 2026, with sealed proposals due September 9, 2026 at 2:00 PM to the Town Clerk's Office, 2042 Park Avenue, Orange Park, Florida 32073.

All carriers must be licensed to conduct business in Florida and maintain acceptable financial strength as rated by Best's Guide. Proposers may submit proposals for all coverage lines or separate lines of coverage. The Town reserves the right to reject any or all proposals and to negotiate with individual proposers.

The Town's total insured property value is $36,203,546. Property coverage requires a special form (all-risk) with replacement cost and blanket coverage, a $1,000 deductible for most perils and $1,000 windstorm deductible, newly acquired property coverage of $2,000,000, and flood sub-limits of $4,500,000. The vehicle fleet comprises 114 units including police cars, fire trucks, specialized equipment, and support vehicles. The Town employs 119 total employees, including 26 armed police officers, 23 firefighters, and 16 paramedics and 7 EMTs. The current NCCI Workers' Compensation Experience Modification factor is 1.56. Rates must be guaranteed for a minimum of 12 months, with longer guarantee periods solicited.

Proposers must submit two copies (one original and one copy) plus one electronic copy on CD or Flash Drive. The proposal summary form in Section XIII must be completed and returned with all proposals. Proposers must acknowledge receipt of Addendum No. 1 and Addendum No. 2 by signing and returning the acknowledgment pages with their official proposal submittal. Questions are due no later than September 2, 2026, directed to John Villanueva, Finance Director, at jvillanueva@townop.com. The Town currently maintains coverage through Florida Municipal Insurance Trust (FMIT).