HomeMy WebLinkAboutSpecificationsREQUEST FOR PROPOSALS:
COMPREHENSIVE INSURANCE BROKERAGE
SERVICES
MARCH 2001
CITY OF SUNNY ISLES BEACH
MIAMI -DADE COUNTY
FLORIDA
OFFICE OF THE CITY MANAGER
BID # 01 -03 -01
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CITY OF SUNNY ISLES BEACH, FLORIDA
Sf •,,` F_LO'''O'�'4' 17070 Collins Avenue, Suite 250
Sunny Isles Beach, Florida 33160
(305) 947 -0606 Phone (305) 949 -3113 Fax
REQUEST FOR PROPOSALS
FOR Comprehensive Insurance & Brokerage Service
1. Purpose. The purpose of this Request for Proposal is to seek qualified Comprehensive
Insurance Brokerage capable of providing a full scope of service
Procedure. Submit ten (10) sets of the complete proposal by the closing date and time.
1.2. No reimbursement will be made by the City of Sunny Isles Beach for any costs
incurred in appropriation of the proposal or any presentation(s).
1.3. Property of City. All bids and accompanying documentation received from
bidders in response to this invitation to bid/Request for Proposal shall become the
property of the City and will not be returned to the bidders. In the event of
contract award, all documentation and work product produced as part of the
contract shall become the exclusive property of the City. This subsection is
applicable to Requests for Proposals and Requests for Letters of Interest
documents, which also become property of the City.
1.4. By submission of a response hereunder, the respondee becomes responsible to
comply with the terms and conditions of the Purchasing Procedures Ordinance of
the City as may be amended from time to time. To the extent of any conflict, the
terms of this document control.
2. Background. The City of Sunny Isles Beach is estimated to have 14,300 residents in the
2000 Census. The City of Sunny Isles Beach is located between the Atlantic Ocean and
the Intercoastal Waterway on the East and West and 191" Street or Terracina Boulevard
on the North and Haulover Beach Park on the South. Our City standards stress a high
quality of development with a focus on creating visual corridors to the ocean, with access
to the ocean as well redevelopment of Sunny Isles Beach Boulevard and Collins Avenue
with a focus on protecting the environment, providing landscaping and developing
aesthetically attractive structures. The City of Sunny Isles Beach is currently in its
comprehensive planning process including the development of land development
regulations.
2.2. The City is seeking Qualified Insurance Broker.
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3. Qualification. Respondee must demonstrate the ability to provide full scope of services
needed. (Describe evidence of qualifications, as the City deems necessary and desirable.)
Must have demonstrated ability in the development implementation,
management and servicing of risk management programs for other
municipalities.
4. Proposal.
4.1 The Contract to be awarded on May 31, 2001 and work to be initiated on July ly 1,
2001.
4.2 The first task will be to advise the City Commission with respect to providin
service shown in proposal.
4.3 Describe work in phases.
4.4 Cancellation of Invitations for Bids or Requests for Proposals. An invitation for
bids, or request for proposals, or other solicitation may be cancelled, or any or all
bids or proposals may be rejected in whole, or in part, as may be specified in the
solicitation, when it is in the best interests of the City. The reasons therefor shall
be made part of the contract file. Each solicitation issued by the City shall state
that the solicitation may be cancelled and that any bid or proposal may be
rejected, in whole or in part, in the best interests of the City. Notice of
cancellation shall be sent to all businesses solicited. The notice shall identify the
solicitation, explain the reason for cancellation and, where appropriate, explain
that an opportunity will be given to compete on any re- solicitation or any future
procurement of similar items.
4.5 Correction or Withdrawal of Bids; Cancellation of Awards. In general, bids shall
be unconditionally accepted without alteration or correction, except as authorized
in this Ordinance. However, correction or withdrawal of inadvertently erroneous
bids before or after bid opening, or cancellation of awards or contracts based on
such bid mistakes, may be permitted, where appropriate. Mistakes discovered
before bid opening may be modified, or the bid may be withdrawn by written or
telegraphic notice received in the office designated in the invitation for bids prior
to time set for bid opening. After bid opening, no changes in bid prices or other
provisions of bids prejudicial to the interest of the City, or fair competition, shall
be permitted. In lieu of bid correction, a low bidder alleging a material mistake of
fact may be permitted to withdraw its bid if.
Q) The mistake is clearly evident on the face of the bid document
but the intended correct bid is not similarly evident; or
(2) The bidder submits evidence which clearly and convincingly
demonstrates that a mistake was made. All decisions to permit the
correction or withdrawal of bids, or to cancel awards or contracts
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based on bid mistakes, shall be supported by a written determination
made by the Purchasing Agent.
(3) Notwithstanding the foregoing, the City Commission shall have
the authority to waive any and all irregularities in any and all
proposals.
5. Critical Issues. Describe any particular critical issues relating to timeliness or emphasis
on particular problem areas, etc.
6. Submittals. Include the following in your proposal:
6.1 Cover sheet of this Request for Proposal.
6.2 An informative, narrative report introducing your firm and location of the office
that will be responsible for the project.
6.3 A Statement of Qualifications.
6.4 A resume detailing experience.
6.5 Copies of the firm's professional licensures.
6.6 Any other forms that are required by the City and sample of similar work
performed by the firm.
6.7 Specification of how the final project will be submitted to the City, i.e., pad, GIF,
disk, etc.
7. Evaluation. Proposals will be evaluated using the following criteria. The criteria are not
listed in order of importance and additional criteria may be used. The City Manager will
have the final say on the evaluation criteria and will make the final selection in the best
interests of the City.
• Ability of professional personnel (including the
the capacity, ability and skill of the provider to
perform the contract; the character, integrity,
reputation, judgment, experience and efficiency
of the provider);
• Relevant Experience (including professional
licensure required when service of a skilled
nature as required by law to perform such
service and/or skill);
• Past Performance (including the quality of
performance of previous contracts);
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20 points
15 points
15 points
• Recent, current and projective workloads (including
whether the provider can perform the contract
within the time specified without delay or
interference);
10 points
• Fee proposal
15 points
• Association with Sunny Isles Beach firm
5 points
• Demonstration of legal capability
10 points
• Demonstration of Experience and ability to use
respondee in the future
10 points
8. Peformance. The respondee, upon award of any contract shall ensure that all items
supplied and/or work performed, comply with federal, state and local laws rules and
regulations as well as the terms of the contract.
9. Process. Respondee, upon award of the contract shall be responsible for management
and organization of all public hearings and meetings with City officials, citizens' and
business groups or other organizations as applicable. Any and all meetings will be at no
additional cost to the City.
9.1 Non - award. The City reserves the right in its sole and absolute discretion to reject
any and all proposals to cancel and withdraw this RFP at any time.
9.2 The City reserves the right to award any contract to any respondee which it deems
to offer the best overall service and be the most responsible responsive bidder
thereby the City is not bound to award any contract based solely on the lowest
quoted price and no contract is created until it is signed with the approval of the
City Commission. The City, in its sole and absolute discretion, also reserves the
right to negotiate separately with competing firms as it deems to be in the best
interest of the City and as permitted by law.
9.3 In the event the lowest, most responsive and responsible bid for a project exceeds
available funds, and the City Commission does not make available additional
funds, the City Manager is authorized, when time or economic considerations
preclude re- solicitation of bids, to negotiate an adjustment of the bid price as long
as the scope of work is not changed with the lowest, most responsive and
responsible bidder, in order to bring the bid within the amount of available funds.
Final negotiation shall be in written form as approved by the City Manager.
9.4 One Response. If only one responsive bid or proposal for commodity or
contractual service is received, in response to an Invitation for Bid/Proposal, an
award may be made to the single Bidder/Proposer, if the City Manager finds the
price submitted is fair and reasonable, and that other prospective bidders had
reasonable opportunity to respond, or there is not adequate time for re- solicitation.
Further, the City Manager reserves the right, if it is in the best interests of the
City, to negotiate with the sole Bidder/Proposer for the best terms, conditions and
Page 4 of 7
price. The City Manager shall document the reasons that such action is in the best
interest of the City. Otherwise, the bid/proposal may be rejected and:
1. new bids or offers may be solicited;
2. the sole bid/proposal may be rejected.
3. If the City Manager determines in writing that the need for the supply or
service continues, but that the price of the one bid/proposal is unreasonable
and there is not time for re- solicitation or re- solicitation would likely be futile,
the procurement may then be conducted under Section 6(D) or Section 6(F),
of the Ordinance as appropriate.
10. Taxes. The Respondee is responsible for paying any and all taxes associated with the
agreement.
11. Termination of Agreement If the respondee fails to perform the conditions of the
agreement as specified and as interpreted by the Manager, the Manager shall provide
written notice of such violation.
11.2 The City reserves the right to terminate the agreement, without cause, with a 30-
day calendar written notice unless otherwise provided in the contract.
11.3 Termination and cancellation of any agreement will not relieve the respondee for
work rest which was to be completed prior to the termination or cancellation of
the agreement.
11.4 If the agreement is terminated for cause, respondee will be removed from the
City's vendor list.
11.5 The City Commission shall have the right to terminate the agreement in the event
the respondee files any petition or proceeding for bankruptcy relief or is
adjudicated to be bankrupt or insolvent or fails to pay just debts as they ordinarily
become due.
11.6 This agreement may not be terminated by the respondee unless otherwise
provided in the contract.
12. Insurance Requirements
12.1 General. The respondee, including service - related respondees, shall purchase and
maintain for the entire life of the Project, including any and all approved time
extensions, until its final acceptance by the City, such insurance as will protect the
respondee from claims under Workers' Compensation, disability benefit laws or
other similar employee benefit laws; from claims for damages because of bodily
injury, occupational sickness or disease, or death of respondee employees; from
Page 5 of 7
claims insured by usual or unusual injury liability coverage; from claims or injury
to or destruction of tangible property and from claims insured by usual
Commercial General Liability coverage. This includes loss of use resulting
therefrom, any or all of which may arise out of the respondee's operations under
the Contract Documents, whether such operations be by the respondee, or any sub
contractor, or by anyone directly or indirectly employed by any of them or for
whose acts any of them may be legally liable. The respondee's deductibles/self -
insured retentions shall be disclosed to the City and may be disapproved by the
City and may be reduced or eliminated at the sole discretion of the City. The
respondee is responsible for the amount of any deductible or self - insured
retention.
12.2 Requirements for Certificates of Insurance. Respondee shall provide the City
with all required Certificates of Insurance which Certificates must be acceptable
to the City. Each Certificate of Insurance shall be provided to the City at least 15
days prior to coverage renewals requested by the City. The respondee shall
furnish complete copies of respondee's insurance policies, forms and
endorsements. If the respondee fails to obtain and maintain for the life of the
contract insurance required herby or to replace any such expired or cancelled
policies, the City may obtain and maintain such insurance with such company as
it deems satisfactory with those amounts expended by the City in payment of
premiums to be deducted by the City from the amounts due the respondee for
work covered by the contract.
13. Hold Harmless.
13.1 The City, its agents, employees and officials, both elected and appointed shall be
held harmless against all claims for bodily injury, sickness, disease, death or
personal injury or damage to property or loss of use resulting therefrom arising
out of performance of the agreement or contract, unless such claims are a result of
the City's sole negligence, as determined by the final arbiter of such claim.
13.2 The City, its agents, employees and official, both elected and appointed shall also
be held harmless against all claims for financial loss with respect to the provision
of or failure to provide professional or other services resulting in professional,
malpractice, or errors and omissions liability arising out of performance of the
agreement or contract, unless such claims are a result of the City's sole
negligence, as determined by the final arbiter of such claim.
14. Payment on Behalf of the City.
14.1 Respondee agrees to pay on behalf of the City, and to pay the cost of the City's
legal defense, as may be selected by the City, for all claims described in the Hold
Harmless paragraph 13 above.
Page 6 of 7
14.2 Such payment on behalf of the City shall be in addition to any and all other legal
remedies available to the City and shall not be considered to be the City's
exclusive remedy.
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SWORN STATEMENT UNDER SECTION 287.133 (3) (a)
FLORIDA STATUTES, ON PUBLIC ENTITY CRIMES
THIS FORM MUST BE SIGNED IN THE PRESENCE OF A NOTARY PUBLIC OR OTHER
OFFICER AUTHORIZED TO ADMINISTER OATHS.
1. This sworn statement is submitted with Bid, Proposal or Contract #
For
2. This sworn statement is submitted by
Whose business address is
Federal Tax ID #
3. My name is
entity above is
(if applicable)
and my relationship to the
4. I understand that a "public entity crime" as defined in Paragraph 287.133 (1)(g), Florida
Statutes, means a violation of any state or federal law by a person directly related to the
transaction of business with a public entity or with an agency or political subdivision of any
other state , or with the United States, including but not limited to, any bid or contract for
goods or services to be provided to any public entity or agency or political subdivision of any
other state in the United States involving antitrust, fraud, theft, bribery, collusion,
racketeering, conspiracy, or material misrepresentation.
5. 1 understand that "convicted" or "conviction" as defined in Paragraph 287.133 (1)(b),
Florida Statutes, means a Finding of guilt or coniction of a public entity crime; with or
without an adjudication of guilt, in any federal or state trial court of record relating to
charges brought by indictment after Julv 1, 1989, as a result of a jury verdict, non -jury trial,
or entry of Plea of ;,n►ilty or Nolo Contendre.
G. I understand that an "affiliate" as defined in paragraph 287.133 (1)(a), Florida Statutes,
means: 1. A predecessor or successor of a person convicted of a public entity crime; or 2. An
entity under the control of any natural person who is active in the management of the entity
and who has been convicted of a public entity crime.
I understand, that a "person" as defined in Paragraph 287.133(1)(c), Florida Statutes, means
any natural person or entity organized under the laws of any state of the United States with
the legal power to enter into a binding contract and which bids or applies to bid on contracts
for the provision of goods or services let by a public entity, or which otherwise transacts or
applies to transact business with a public entity. The term "person" includes those officers,
directors, executives, partners, shareholders, employees, members and agents who are active
in management of an entity.
8. Based on information and belief, the statement which I have marked below is true in relation
to the entity submitting this sworn statement. (Please indicate which statement applies)
Neither the entity submitting this sworn statement, nor any officers , directors,
executives partners, shareholders, employees, members or agents who are active in
management of the entity, nor any affiliate of the entity have been charged with and
convicted of a public entity crime subsequent to July 1, 1989.
The entity submitting this sworn statement, or none of the officers, directors, executives,
partners, shareholders, employees, members or agents who are active in management of the entity,
or an affiliate of the entity has been charged with and convicted of a public entity crime subsequent
to July 1, 1989. (Please indicate which additional statement applies)
There has been a proceeding concerning the conviction before a hearing officer of the
State of Florida, Division of Administrative Hearings. The final order entered by the haring officer
did not place the person or affiliate on the convicted vendor list. (Please attach a copy of the final
order)
The person or affiliate was placed on the convicted vendor list. There has been a
subsequent proceeding before a hearing officer determined that it %vas in the public interest to
remove the person or affiliate from the convicted vendor list. (Please attach a copy of the final order)
The person or affiliate has not been placed on the convicted vendor list. Please describe
action taken by, or pending with the Department of General Services)
SIGNATURE
DATE
State of:
County of:
Personally appeared before me, the undersigned authority,
Who after first being sworn by me, affixed his /her signature in the space provided above on this
day of , 2000.
My commission expires: 2000
Notary Public
17070 Collins Avenue Suite 250 Sunny Isles Beach, FL 33160
TEL: 305 947 0606 FAX: 305 949 3113
, SJNNY S4
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DAVID SAMSON
MAYOR The City of Sunny isles Beach (City) is seeking responses from qualified firms to provide
LILA KAUFFMAN comprehensive insurance brokerage services and to obtain and provide insurance programs
VICE MAYOR and risk management services for the City's property and casualty exposures.
DANNY IGLESIAS
COMMISSIONER
CONNIE
COMMISSIONER ONE MORROW Eligible bidders to be considered qualified pursuant to this RFP will be those companies that
COMMISSIONER
IRVING TURETSKY have demonstrated a track record in the development, implementation, management and
COMMISSIONER servicing of risk management programs for cities and other municipalities.
Christopher J. Russo
City Manager It is the City's intention to select an insurance brokerage firm that is capable of providing the
Lynn M. Dannheisser full scope of services needed and contracting with them for a one -year period with an option
City Attorney
Richard Brown- Morilla o renew for two additional one -year periods.
City Clerk
The city reserves the right to alter or revoke this RFP at any time. The City further reserves
the right to reject any or all responses, to waive any informality in the responses received and
to accept only those responses deemed by the City to be in the best interest of the City. Any
mention in these documents of the term "qualification" refers to the Response; and any
mention of the term "provider" refers to the Respondent.
This request for qualifications RFP is solely to describe insurance brokerage qualifications
and service. No broker is authorized to approach the insurance marketplace, until a list of
Insurance companies is submitted and approved by the City. A detailed set of Insurance
specifications is available from the City.
Insurance Specifications
City of Sunny Isles Beach, Florida
3/31/01
It is the intent of the City of Sunny Isles Beach, to arrange for a broad form, economically feasible,
master insurance program. The program is to include the following lines of coverage:
- Property insurance /Boiler & Machinery Liability
- Comprehensive Commercial Automobile and Physical Damage Insurance
- Comprehensive General Liability Insurance
- Umbrella Liability
- Workers' Compensation Insurance
- Public Official Liability Insurance
With regard to the above - mentioned lines of coverage, the following financing programs will be
considered:
a. Guaranteed cost insurance programs
b. Guaranteed cost programs with deductible provision at various levels. For example:
Property Insurance - $25,000 & 50,000 deductible
General Liability at various deductible and /or SIR levels to $100,000 per
occurrence
c. Alternative risk financing programs including retrospectively rated program for General
Liability, Automobile and Workers' Compensation exposures.
d. Self - insurance programs with per occurrence and aggregate stop loss features.
The following requirements are mandatory
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Coverage's must be quoted with financially secure stable insurance companies,
licensed and admitted to write insurance in Florida and rated no less than A by
Best's rating service.
- All submittals must be firm proposals. Coverage's must be as detailed in the
specifications. If there are any changes from the specifications, they must be
noted in the proposal.
Brokers will be assigned insurance markets. Only those markets assigned to a
broker may be for obtaining quotations.
All submittals must be received by May 18,2001 before
5.00 P.M. Proposals received after this time will not be accepted.
All proposals must be submitted to:
City of Sunny Isles Beach
Attention "City Clerk"
17070 Collins Avenue Suite 250
Sunny Isles Beach Fl 33161
All underwriting information to be provided is deemed to be as accurate as
possible. However, the insurers must agree that the failure of the City to disclose
all hazards existing at the effective date of the master program shall not prejudice
the City with respect to the coverage afforded by the program provided such
failure is not intentional.
The inception date of the master program is July 1200 1.
3
NAMED INSURED ENDORSEMENT
Named Insured: The City Sunny Isles Beach, all commissions, boards and committees and all
affiliated, associated or allied as may now or hereinafter be established. This includes elected and
appointed officials, directors, trustee, officer, employee or volunteers while acting within the scope
of their duties.
4
PROPERTY
PROPERTY
Building, machinery, mobile equipment, contents, miscellaneous property, and inventories at all
locations, including real and personal property for others for which the insured is legally liable.
COVERAGE
Insured property damage from fire, sprinkler leakage, windstorm, explosion, vandalism, and
collapse. This includes interest in buildings in the course of construction, alterations and repairs, and
improvements and betterments in buildings owned, leased, or occupied by the insured as well as
property below ground, foundations, piping, drains, tanks, swimming pools, cost of excavation,
fences, towers, light poles, all property of similar nature, patio walls, glass, banners, and signs.
A. NAMED INSURED
See Named Insured Listing
B. PROPERTY
Blanket Contents
Limit of Insurance
Valuation
Personal Property on Exhibition
Personal Property in Transit
Personal Property at
Unnamed locations
Valuable papers and records
Flood & Earthquake
Newly acquired or constructed
Property (buildings)
Personal Property
Park Equipment
Per attached values
Replacement cost except for vehicles
and contractors' equipment which
are ACV
$ 100,000
100,000
100,000
1,000,000
1,000,000
1,000,000
250,000
5
Streetscape Furniture
Landscaping and Storm Water
Pump Station
Extra Expense 500,000
C. COVERAGE EXTENTIONS
1. Mobile Equipment
2. Ordinance Deficiency Clause /Increased Cost of Construction Demolition Coverage
3. 90 day Cancellation Notice
4. Sewer /Drain Back -up
5. New acquired properties 90 days
6. Glass & Stained Glass Coverage
7. Joint Loss Agreement
8. Unintentional Errors & Omissions
9. No Coinsurance
10. Agreed Amount Clause
11. Waiver of Subrogation permitted prior to loss
12. All risk special form (including collapse, water damage, freezing and windstorm)
13. Inland Marine (ACV, All Risk including perils of theft and flood)
14. Contractor's equipment — property covered: all owned, rented, and leased
equipment including equipment under leased /purchased agreement
15. Builders Risk /Owner's Risks
16. Fine Arts and "Art in Public Places"
17. Debris removal costs including first party hazardous clean -up costs
18. Care, custody and control
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19. Sales tax interruption and any other interrupted revenue tax from utilities
and telecommunications
20. Additional insured, loss payees and mortgages
COVERAGE EXTENTIONS (Cont'd)
21. Premises vehicles (covers property values of parked fleet in the event of fire,
garage collapse, etc.)
22. EDP equipment; media, extra expense to (to include mechanical failure, electrical
disturbance, malfunction, or magnetic injury)
23. Off premises power- failure of utility to supply gas, electric, and the like including oil;
coverage is to be included. To include off premises power including transmission lines.
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CRIME
LIMITS:
Each and every loss: Money & Securities- Inside $250,000
Each and every loss: Money & Securities- Outside 250,000
Employee dishonesty
100,000
Include Blanket Faithful Performance
Include non - salaried board members, agents
and volunteers as employees
COMPREHENSIVE GENERAL LIABILITY
A. NAMED INSURED
See Named Insured Listing
B. LIMITS OF LIABILITY
(' 1) first Dollar Coverage (see page 11)
General Aggregate Limit
(Other than products- completed operations)
Products Completed Operations
Aggregate Limit
Personal & Advertising Injury Limit
Each occurrence limit
All Risk Liability
Medical Payments
Employee Benefits Liability
('- 2) Alternative Risk Financing (see page 11)
C. ENDORSEMENT /EXTENTIONS OF COVERAGE
1. Premises /Operations Coverage
$1,000,000
3,000,000
3,000,000
1,000,000
1,000,000
250,000 per occur.
25,000 per occur.
1,000,000
2. Independent Contractors Coverage
3. Products /Completed Operations Coverage, including on premises
4. Incidental Malpractice Coverage extended to include an employee who provides or
attempts to provide aid to another employee
5. Owner's and Contractor' Protective Liability Coverage
COMPREHENSIVE GENERAL LIABILITY (Cont'd)
6. Personal injury and advertising liability deleting exclusions A and C (employee and
contractual exclusions, no insured participation)
7. 90 days notice of cancellation, non - renewal or material change in policy rate or form
8. Employees and volunteers as additional insured's
9. Broad form property damage
10. Host Liquor Liability Coverage
11. Premises Medical Payments Coverage - $25,000 per person
12. All Risk legal liability real property - $250,000
13. Watercraft Owned and Non - Ownership Coverage (under 27 feet long)
14. Cross Liability Coverage (see attached wording)
15. Automatic Coverage- newly acquired organizations (90 day limitation)
16. Knowledge of Occurrence, Notice of Occurrence and Unintentional Errors and
Omissions Endorsements (see attached wording)
17. Blanket contractual covering written and oral contracts
18. Elimination of punitive damages exclusion ( if any)
19. Vendors' broad form coverage
20. Blanket waiver of Subrogation
21. Blanket additional insured's endorsement where required by written contract ( "if
any" basis)
22. Coverage for joint venture and partnerships as additional insured's where required by
contract
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23. Amended care, custody and control exclusion
24. Special events sponsored by the City
COMPREHENSIVE GENERAL LIABILITY (Cont'd)
25. Owners /landlords /tenants
26. Explosion collapse (underground property damage)
27. Elevator collision
28. Extended Bodily Injury Coverage. Definition of bodily injury to read as follows:
"Bodily injury means injury to the body of the person,
Including but not limited to, shock, mental anguish, mental injury,
humiliation, sickness, disease or death sustained by any person."
29. Definition of pollution hazard not to include fire, smoke
30. Athletic participation
31. Pesticide and herbicide application
32. Sexual misconduct /child molestation
33. Streets, road & bridges /maintenance construction
(""1) We will also consider a deductible /SIR approach at various levels if there are
meaningful premium reductions.
(' 2) We will consider alternative risk financing programs if they make financial sense.
11
COMPREHENSIVE GENERAL LIABILITY
COVERAGE SPECIFICATIONS
NOTICE AND KNOWLEDGE OF OCCURRENCE
It is agreed that where the insured reports an occurrence to the Workers Compensation carriers,
which later develops into a liability claim, failure to report such occurrence to the company
providing the policy to which this endorsement is attached at the time of conditions, with the
distinct understanding and agreement that, as soon as the insured is made aware of the fact that the
particular occurrence is a liability claim is a liability rather than a compensation claim the insured
shall give notification of the occurrence to the company.
It is further agreed that knowledge of an occurrence by the agent, servant, or employee of the
insured shall not in itself constitute knowledge by the insured unless an executive officer of the
insured corporation shall have received such notice from its agent, servant and employee.
ERRORS AND OMISSIONS CLAUSE
It is agreed that the failure of the named insured to disclose all hazards existing at the effective date
of the policy shall not prejudice the insured with respect to the coverage afforded by the policy
provided such failure is not intentional.
DISCLOSURE OF PREMIUM HAZARD
It is agreed that the inadvertent failure to disclose all premises and hazards at the inception of the
policy shall not void coverage. Premiums for this undisclosed hazards shall be determined at audit.
12
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Cl.
CROSS LIABILITY
The following cross liability clause is made a part of this policy.
The inclusion of more than one corporation, person, organization, firm or entity as insured under
this policy shall not in any way affect the rights of any such corporation, person, organization, firm
or entity as respects any claims, demand, suit or judgment made, brought or recovered, by or in
favor of any other insured, or by or in favor of any employee of such other insured. This policy shall
protect each corporation, person, organization, firm or entity in the same manner as though a
separate policy had been issued to each, but nothing herein shall operate to increase the company's
liability as set forth elsewhere in this policy beyond the amount for which the company would have
been liable of anyone person or interest had been named as insured.
13
COMPREHENSIVE AUTOMOBILE LIABILITY
Coverage Specifications
A. NAMED INSURED
See Named Insured Listing
B. LIMITS OF LIABILITY
Coverage
Liability
Additional PIP
Medical Payment
Uninsured /Underinsured
Physical Damage
Hired /Non -Owned
Rental Reimbursement
Towing & Labor
C. POLICY TERM
Symbol
Amount of Coverage
1
$1,000,000 each accident
5
Statutory
2
$10,000 each insured
2
1,000,000 each accident
7
ACV, cost of repair or stated
Amount
8/9
$1,000,000 each accident
2
$1,000,000 each accident
D. DEDUCTIBLE (above retention levels)
$ 250 Comprehensive
500 Comprehensive
1,000 Comprehensive
500 Comprehensive
$ 250 Collision
500 Collision
1,000 Collision
500 Collision
14
1,000 Comprehensive
E. ENDORSEMENVEXTENTION OF COVERAGE
1. Annual vehicle reporting
1,000 Collision
2. 90 days written notice of cancellation, non - renewal of material change in policy rate or
form
3. Composite rating
4. Environmental Restoration Coverage- MCS -90, non - reimbursable form, including
loading and unloading
5. Errors & Omissions Clause
6. Disclosure of premium hazard
7. Notice and knowledge of occurrence
8. Cross liability wording
9. Employees as named insured
10. Driver other Car Coverage
11. Fellow Employee Coverage
12. Volunteer as additional insured
13. Automatic acquisition
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GENERAL LIABILITY /EXCESS LIABILITY
UMBRELLA LIABILITY
LIMITS:
- $5,000,000 occurrence /aggregate with option for additional $5,000,000 in limits up to
$25,000,000
S.I.R.: $10,000
COVERAGE MUST INCLUDE THE FOLLOWING•
- First dollar defense
- "Pay on behalf of " rather than "indemnify" insured for loss
- Full automatic reinstatement of the limit of liability without additional premium
- Notice of occurrence, knowledge of occurrence, unintentional errors and
omissions on cross liability
- Liability for real and personal property in insured /care, custody, and control
- Advertiser's liability
- Provide coverage at least as broad as scheduled underlying policies
- Defense costs paid in addition to applicable limit of liability
- Occurrence should be defined as an event, happening, or incident
- Provide coverage for discrimination
- Limited worldwide liability /U.S. suits
- Cover non -owned aircraft and watercraft
10
- Sudden and accidental pollution liability
- Limited worldwide liability /U.S. suits
Cover non -owned aircraft and watercraft
Sudden and accidental pollution liability
POLICY AMENDMENTS
- Amend the wording of bodily injury to read as follows:
"Bodily injury means injury to the body of a person including but not limited to
shock, mental anguish, mental injury, humiliation, sickness, disease, or death
sustained by any person"
Amend the policy to provide that assault and /or battery committed in defense
by the insured's person or property shall not be considered or expected.
Delete the exclusion for personal property in insured's care, custody, and
control.
Ninety -day (90) notice of cancellation or non - renewal.
17
POLICE OFFICIALS LIABILITY
Full Prior Acts Coverage
LIMITS: Quote the following:
$1,000,000, $3,000,000, $5,000,000 per claim
$1,000,000, $3,000,000, $5,000,000 annual aggregate
DEDUCTIBLE: $10,000, $25,000, $50,000 each wrongful act
COVERAGE EXTENSIONS:
1. Moonlighting employees
2. Contractual liability
3. Employment policies and practices
4. Include all full and part -time employees, appointed or elected officials and volunteer
workers
5. Include Punitive Damages Coverage
6. Include civil rights to the extent allowed by law
7. Include Prior Acts or Occurrences Coverage
8. Mutual law enforcement agreement coverage - personal injury liability
9. Non - monetary damages
10. Pay on Behalf of Coverage
11. 90 day notice of cancellation
12. Definition of bodily injury specifically includes death
18
13. Duty to defend
14. Include personal property of people in custody
WORKER'S COMPENSATION
Statutory Workers' Compensation Coverage (Part A)
Employer's Liability - $5,000,000 limit
COVERAGE TO INCLUDE
- Longshoremen & Harbor Workers' Coverage (On an if any basis)
- Unintentional failure to disclose
- Quotations should include guaranteed cost /dividend programs, retrospectively
rated programs and self- insurance programs
PUBLIC OFFICIAL'S LIABILITY
Full Prior Acts Coverage
Limits Quote the following
$2,000,000, $5,000,000 per claim
$2,000,000, $5,000,000 Annual Aggregate
Retention $2,500, $5,000, $10,000 per claim
Coverage Duty to Defend
Defense Costs Outside Limit
Enhanced Employment Liability
Non Monetary Suit Defense Costs
Emotional Distress, Mental Anguish
Punitive Damages
Employment Benefits
The City has the right to choose legal council with regard to any claim brought under
The Public Officials Liability Policy
19
Classification of Payroll Year Ending 12/31/01
Classification Annual Payroll
Police Officers & Drivers $2,807,315.00
Clerical, NOC 850,149.00
Attorneys -All empl.& Clerical 311,702.00
Buildings NOC Owner /Lessee 543,548.00
Municipal Empl., NOC 222,054.00
$4,734,768.00
■ --- a %P-aoM a c RtrVK 1 01 /01 /2000 TO 12/20/2000
CITY OF SUNNY ISLES BEACH - 51 C8
12/15/2000
PAGE 39
--- --I PHONE (954) 970 -5300 FAX (954) 970 -5340
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