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SECTION I Introduction Partnership In the spirit of partnership and commitment, Brown & Brown Benefit Consultants is pleased to provide the City of Sunny Isles Beach with our proposal for employee benefits services. Our organization was founded on the philosophy that long-term success in the professional services industry can only be achieved through innovative solutions and a passion for customer service. We pride ourselves on the quality of our people, and the consistency of our performance. At Brown & Brown Benefit Consultants, we believe the value that our people and performance deliver is best measured by the longevity of our client relationships. Brown & Brown of Florida, Inc. is one of the largest and most respected independent insurance intermediaries in the nation, with over 62 years of continuous service. The Company is ranked as the fifth largest such organization in the United States by Business Insurance magazine. Brown & Brown of Florida, Inc.'s clientele is as diverse as the American economy itself. There is hardly a business, industrial or professional insurance situation that has not presented itself to Brown & Brown including: Medical, Retail, Construction, Marine, Transportation, e-Commerce, High Technology, Financial, Legal, Agricultural, Colleges and Universities, Hospitality, Governmental Entities, General Aviation, Hospitals, Manufacturing, Medical Care Facilities, Museums, Nursing Homes, Restaurants, Religious Institutions, Schools and many more. Employee Benefits is just one area of expertise we can provide. Our benefit programs include, Medical, Dental, Vision, Cobra, Life, Disability and Section 125 pre-tax reimbursement accounts just to name a few. We are able to provide fully insured programs for employers of all sizes and self funded programs to meet the special needs of employers interested in that type of arrangement. In addition to providing the insurance programs, we assist in the design, cost- containment, management and development of your employee benefit package. All Employee Benefit clients are assigned an " In House" service representative to assist with Billing Claims, Eligibility, Enrollment or any other issues or questions that arise. For our clients that opt for self insured programs, we not only provide the services mentioned above, but also supply detailed reports to help you monitor your program closely. We also place the reinsurance; help design a plan to meet your needs and work closely with you and the Third Party administrator during the implementation as well as throughout the year to ensure the plan operates smoothl y. As for property and casualty, Brown & Brown of Florida, Inc. is a recognized leader in the area of professional liability, governmental and municipal insurance programs, pollutions liability and many other specialized areas of risk. All property and causality clients are also assigned an "In- House" service representative along to assist with daily issues, along with some of the best marketing representatives to search for the most competitive products and services for our clients. 3