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Home My WebLink AboutReso 2012-1958 RESOLUTION NO. 2012-ja5B A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF SUNNY ISLES BEACH, FLORIDA, APPROVING THE RENEWAL OF THE COMMERCIAL PACKAGE POLICY (PROPERTY, LIABILITY, AUTOMOBILE), WORKERS COMPENSATION, AND MISCELLANEOUS INSURANCES WITH BROWN & BROWN / PREFERRED GOVERNMENT INSURANCE TRUST (PGIT) FOR THE PERIOD OF OCTOBER 1, 2012 THROUGH SEPTEMBER 30, 2013, IN AN AMOUNT NOT TO EXCEED SEVEN HUNDRED TWENTY-ONE THOUSAND SEVEN HUNDRED EIGHTY-THREE DOLLARS ($721,783.00), AS OUTLINED IN EXHIBIT "A"; AUTHORIZING THE CITY MANAGER TO DO ALL THINGS NECESSARY TO EFFECTUATE THIS RESOLUTION; PROVIDING FOR AN EFFECTIVE DATE. WHEREAS, on September 15, 2011 via Resolution No. 2011-1759, the City Commission awarded Bid No. 11-08-01 to and entered into an Agreement with Brown & Brown/Preferred Government Insurance Trust (PGIT) as the City's provider for the Package Policy and Workers Compensation, and miscellaneous insurances, for a one-year period of October 1, 2011 through September 30, 2012, in the total amount of Six Hundred Thirty-Eight Thousand Six Hundred Twenty-Three Dollars ($638,623.00); and WHEREAS, the City has the option to exercise four (4) one-year renewals after the initial term; and WHEREAS, the City of Sunny Isles Beach is in need of various insurance coverage to protect it from liabilities, catastrophes, and other issues that may arise for a one-year period of October 1, 2012 through September 30, 2013; and WHEREAS, staff recommends acceptance of the Brown & Brown/Preferred Governmental Insurance Trust (PGIT) proposal for the Commercial Package Policy and Workers Compensation, and miscellaneous insurances, in an amount not to exceed Seven Hundred Twenty-One Thousand Seven Hundred Eighty-Three Dollars ($721,783.00) for a one-year period of October 1, 2012 through September 30, 2013, attached hereto as Exhibit"A". NOW,THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF THE CITY OF SUNNY ISLES BEACH, FLORIDA,AS FOLLOWS: Section 1. Approval of Insurance Renewal. The City Commission hereby approves the insurance renewal by Brown & Brown/Preferred Government Insurance Trust (PGIT) for the Commercial Package Policy and Workers Compensation, and miscellaneous insurances, for a one-year period of October 1, 2012 through September 30, 2013, in an amount not to exceed Seven Hundred Twenty-One Thousand Seven Hundred Eighty-Three Dollars ($721,783.00), as outlined in Exhibit"A", attached hereto. R2012-Pgit Insurance(Property,Casualty,Auto,Workers Comp)Page 1 of 2 Section 2. Authorization of City Manager. The City Manager is hereby authorized to do all other things necessary to effectuate this Resolution. Section 3. Effective Date. This Resolution shall become effective upon adoption. PASSED AND ADOPTED this 20th day of September 2012. //dill t 4. 'orman S. Edelcup, Mayor / ATTEST: Jane A. Hines, CMC, City Clerk APPR• I • TO FORM AND LE PA S z. Nam Ottinot, City Attorney Moved by: �o _ NOL Seconded by:'l� \t�pw 1 N Vote: s_ J Mayor Norman S. Edelcup ✓(Yes) (No) Vice Mayor Lewis Thaler ✓(Yes) (No) Commissioner Isaac Aelion ✓(Yes) (No) Commissioner Jeanette Gatto ✓(Yes) (No) Commissioner George "Bud" Scholl /(Yes) (No) R2012-Pgit Insurance(Property,Casualty,Auto,Workers Comp)Page 2 of 2 INSURANCE PROPOSAL SUBMITTED ESPECIALLY FOR: CITY OF SUNNY ISLES BEACH POLICY TERM: OCTOBER 1, 2012 TO OCTOBER 1,2013 PRESENTED BY: ROBERT P.HOLLANDER EXECUTIVE VICE PRESIDENT BROWN & BROWN-MIAMI DIVISION i rown • rown 41NSURAN :F. I INTRODUCTION Thank you for inviting us to develop and present a Risk Solution Program to you. We welcome the opportunity to become involved with your company. We have worked to identify your needs and concerns, and to develop a program for your insurance. Brown&Brown, Inc. is the largest independent agency organization in Florida and the seventh largest nationally. The company provides a variety of insurance products and services to corporate, institutional,professional and individual clients. Headquartered in Daytona Beach and Tampa, Brown&Brown is publicly traded on the New York Stock Exchange(BRO)and has been included in Forbes' list of the "200 Best Small Companies in America". The company handles clients' premiums in excess of $1,000,000,000 Billion annually and has in excess of 5,000 employees. While size is not the sole criteria for choosing an insurance agent, it does enable us to offer our clients clout in the marketplace and unmatched service capability. Please feel free to visit our website at www.bbinsurance.com This brief description of insurance coverage is being provided as an accommodation only and is not intended to cover or describe all policy terms. For more complete information on the scope and limits of coverage plans please refer to the policy document. Specimen policy form(s)are available upon request. 2 ACCOUNT SERVICING TEAM Robert P. Hollander Executive Vice President (305)364-7818 rhollander@bbmia.com Nancye Batista Assistant Commercial Lines Manager (305)364-7816 nbatista @bbmia.com Alexandra Sarria Claims Representative (305)364-7812 asarrial@bbmia.com • rown • rown 1 NSURANC , 14900 NW 79th Court,Suite 200 Miami Lakes,FL 33016 Telephone: 1-800-432-8844,(305)364-7800 or(305)714-4400 Fax: (305)714-4401 3 TABLE OF CONTENTS I. Schedule of Named Insureds II. Coverage Sections • Property • Commercial Liability • Law Enforcement,Public Official and Employment Practices Liability • Automobile • Crime • Inland Marine • Workers Compensation III. Summary IV. Illustrations and Definitions 4 SCHEDULE OF NAMED INSUREDS City of Sunny Isles Beach This list includes all of the named insureds we presently have on your policies. Should any revisions to this listing be required,please notify our office immediately. Please Verify the Accuracy of Each Name and Update List,If Needed. 5 PROPOSED PROPERTY COVERAGE Insurer: Preferred Governmental Insurance Trust Not Rated by A.M. Best Location of Premises: Per Schedule Attached Description of Property: Limits of Coverage: Per Blanket Building and Contents Limit $ 35,764,247.00 Values Insured are Ultimately Chosen by the Client. In view of the continually changing cost of construction and building materials, we strongly suggest that you review your property values annually. ANY changes in the occupancy of an insured location,should be reported to our office immediately. Changes in occupancy can potentially reduce or nejate the coverage afforded by your property policy. Description of Coverage Proposed: Policy Forms: Building&Personal Property Coverage Form- SPECIAL Causes of Loss: Special Form: Earthquake Coinsurance: Building &Personal Property N/A Deductible Selected: All Other Perils $ 5,000 Per Occurrence—Building&Contents and Extension of Coverage Named Windstorm 5% - Subject to$20,000 Minimum Flood $ 5,000 Per Flood, Except Zones A,V excess of NFIP, whether purchased or not Valuation: • Replacement Cost 6 PROPOSED PROPERTY COVERAGE Continue... Note: Effective 10/01/12, Preferred Governmental will begin appraising all property currently valued at$100,000 or higher. At time of finalization of appraisal,values are to be adjusted accordingly or Stated Value endorsement will be applied at immediate effect. Coverage Enhancements: • Flood Limit per Occurrence and Aggregate $ 5,000,000 • Boiler&Machinery $35,764,247 NOTE:Detached walls,fences, radio and TV antennas, trees, shrubs,plants free-standing property improvements such as athletic equipment, windscreens, lightpoles, satellite dishes or signs are not covered unless specifically scheduled on the policy Property and Extensions of Coverage include but are not limited to the following exclusions: • Year 2000 • Electronic Data • Electronic Date Recognition • Earthquake ■ Asbestos ■ Pollution • Fungus • War and Terrorism 7 PROPOSED PROPERTY COVERAGE Continue... Property Extensions of Coverage: For a Full Description of Terms,Definitions and Conditions Please Refer To The Policy Document Limit Coverage Accounts Receivable $ 250,000 Additional Expense $ 500,000 Animals $ 1,000/$5,000 Loss of Business Income $ 500,000 Debris Removal $ 250,000 Demolition, Ordinance and ICC $ 500,000 Expediting Expense $ 5,000 Fire Department Charges $ 25,000 Fungus Cleanup Expense $10,000/$20,000 Lawns, Plants, Trees and Shrubs $ 25,000 New Locations $ 2,000,000 Personal Property of Employees $25,000/$50,000 Pollution Cleanup Expense $25,000/$50,000 Preservation of Property $ 250,000 Recertification $ 10,000 Service Interruption Coverage $ 100,000 Transit $ 250,000 Errors and Omissions $ 250,000 8 SCHEDULE OF COVERED PROPERTY _ Building Contents Replacement--; Replacement Address Description ; s Value. Value_. Water Pumps 19160 N Bay Road $600,000 Town Center Park-Skate Park 1-7200 Collins Avenue Shelter&Concession Building $95;000 Town Center Park-Shade Structure 17200 Collins Avenue $60,000 Town Center Park—Fence 17200 Collins Avenue $40,000 Town Center Park-Bathroom 17200 Collins Avenue Building $65,000 Skate Park- Shade Structure 17200 Collins Avenue $100,000 Senator Gwen Margolis Park- 17815 N.Bay Road Shade Structure $65,000 Senator Gwen Margolis Park- 17815 N.Bay Road Playground Equipment $75,000 Senator Gwen Margolis Park- 17815 N.Bay Road Bathroom Building $100,000 Samson Park Restrooms 17425 Collins Ave $50,000 Samson Oceanfront Park- Shade 17425 Collins Avenue Structure $35,000 Samson Oceanfront Park- 17425 Collins Avenue Playground Equipment $55,000 Lehman Causeway with access Public Works Compound- 8 off of Collins Avenue Trailers @$4,500 each& Tools& Equipment @$4,500 each $36,000 $36,000 Pier Park Restrooms 16501 Collins Ave $50,000 Pelican Community Park-Shade 18115 N. Bay Road Structure $45,000 Northside Ocean 2 Restrooms 19141 Collins Ave $50,000 Lifeguard Towers/Sunny Isles 17200 Collins Avenue Beach—9 @$45,000 each $405,000 Heritage Park Parking Garage 19200 Collins Avenue $7,500,000 Heritage Park—Playground 19200 Collins Avenue $267,000 Heritage Park Pavilion& Storage 19200 Collins Avenue Room _ $75,000 Heritage Park-Interactive Water 19200 Collins Avenue Feature $175,000 9 SCHEDULE OF COVERED PROPERTY Continued Building Contents J .'v Replacement Replacement-`: Address Description Value : ;'Value Heritage Park Shade Structure 19200 Collins Avenue $128,236 Heritage Park Playground Shade 19200 Collins Avenue Structure $290,122 Gymnasium 18115 N.Bay Road $2,000,000 $50,000 Golden Shores Community Park 191 Terrace &Atlantic Avenue Playground $67,000 Golden Shores Community Park 191 Terrace&Atlantic Avenue Aluminum Fence $5,300 Golden Shores Playground Shade 191 Terrace &Atlantic Avenue Structure $46,539 Community Ctr&Playground 18115 N.Bay Road Equip $3,000,000 $200,000 City Hall and Parking Garage 18070 Collins Avenue $18,501,050 $1,000,000 Bella Vista Bay Park—Dock 500 Sunny Isles Blvd $115,000 Various locations within the City 37 Bus Shelters @ ($8,000 each) of Sunny Isles $296,000 33 Decorative Light Poles Various Locations $66,000 3000 Gallon Diesel Fuel Tank 18070 Collins Avenue $20,000 Total Insured Value $34,478,247 $1,286,000 NOTE: The PGIT Property program is a shared limit. The limits purchased are a per occurrence limit and in the event an occurrence exhaust the limit purchased by PGIT on behalf of the members,payment to you for a covered loss will be reduced pro-rata based on the amounts of covered loss by all members affected by the occurrence. 10 WINDSTORM & HAIL DEDUCTIBLE SAMPLE ILLUSTRATION FLAT DEDUCTIBLE vs. PERCENTAGE Windstorm and Hail Deductible This deductible would apply to a claim for damage caused by windstorm. Building Replacement Cost Flat Ded. 2% Ded. 3% Ded. 5% Ded. Bldg#1 -$1,000,000 $5,000 $20,000 $30,000 $50,000 Bldg#2 - $2,000,000 $5,000 $40,000 $60,000 $100,000 Bldg#3 - $3,000,000 $5,000 $60,000 $90,000 $150,000 Bldg#4 - $4,000,000 $5,000 $80,000 $120,000 $200,000 TOTALS: Value - $10,000,000 $20,000 $200,000 $300,000 $500,000 Percentage wind deductibles are calculated as a percentage of the total replacement value. The deductible for all other perils applies to an "occurrence",not per building. 11 PROPOSED FLOOD COVERAGE THROUGH THE NATIONAL FLOOD INSURANCE PROGRAM Coverage is afforded only for direct loss by or from flood to the insured property. Flood is a general and temporary inundation of normally dry land areas from: • Overflow of inland or tidal waters • The unusual and rapid accumulation or runoff of surface waters from any source. • Mudslides(i.e. mudflows) which are proximately caused by flood, and are akin to river of liquid and flowing mud on the surface of normally dry land areas. • The collapse or subsidence of land along the shore of a lake or other body of water exceeding the cyclical levels,which results in flood. Location of Premises: 18070 Collins Avenue Sunny Isles Beach,Fl., 33016—City Hall Description of Property Limits of Coverage: Building $500,000 Contents $500,000 Valuation: General Property Form - Actual Cash Value-Replacement cost of the property less depreciation Personal Property -Actual Cash value -Replacement cost of the property less depreciation Coinsurance: N/A Deductibles: $1,000 Building $1,000 Personal Property Waiting Period: If this is the first time you are purchasing Flood Coverage on the location shown above, you should be aware that there is a standard 30-Day waiting period for this coverage. The 30-Day waiting period also applies to increases in coverage or additions of coverage on an existing policy. 12 PROPOSED FLOOD COVERAGE THROUGH THE NATIONAL FLOOD INSURANCE PROGRAM Coverage is afforded only for direct loss by or from flood to the insured property. Flood is a general and temporary inundation of normally dry land areas from: • Overflow of inland or tidal waters • The unusual and rapid accumulation or runoff of surface waters from any source. • Mudslides(i.e. mudflows) which are proximately caused by flood, and are akin to river of liquid and-flowing-mud on the surface of normally dry land areas. • The collapse or subsidence of land along the shore of a lake or other body of water exceeding the cyclical levels,which results in flood. Location of Premises: 18115 N. Bay Road (N. Bldg), Sunny Isles Beach, Fl.., 33160—Community Center Description of Property Limits of Coverage: Building $500,000 Contents $220,500 Valuation: General Property Form - Actual Cash Value -Replacement cost of the property less depreciation Personal Property -Actual Cash value(replacement cost of the property less depreciation) Coinsurance: N/A Deductibles: $1,000 Building $1,000 Personal Property Waiting Period: If this is the first time you are purchasing Flood Coverage on the location shown above, you should be aware that there is a standard 30-Day waiting period for this coverage. The 30-Day waiting period also applies to increases in coverage or additions of coverage on an existing policy. 13 PROPOSED FLOOD COVERAGE THROUGH THE NATIONAL FLOOD INSURANCE PROGRAM Coverage is afforded only for direct loss by or from flood to the insured property. Flood is a general and temporary inundation of normally dry land areas from: • Overflow of inland or tidal waters • The unusual and rapid accumulation or runoff of surface waters from any source. • Mudslides(i.e. mudflows) which are proximately caused by flood, and are akin to river of -liquid-and-flowing mud on the surface of normally dry land areas. — —• The collapse or subsidence of land along the shore of a lake or other body of water exceeding the cyclical Ievels, which results in flood. Location of Premises: 18115 N. Bay Road (S. Bldg), Sunny Isles Beach,Fl. 33160 - Gym Description of Property Limits of Coverage: Building $500,000 Contents $55,100 Valuation: General Property Form - Actual Cash Value - Replacement cost of the property less depreciation Personal Property- Actual Cash value (replacement cost of the property less depreciation) Coinsurance: N/A Deductibles: $1,000 Building $1,000 Personal Property Waiting Period: If this is the first time you are purchasing Flood Coverage on the location shown above, you should be aware that there is a standard 30-Day waiting period for this coverage. The 30-Day waiting period also applies to increases in coverage or additions of coverage on an existing policy. 14 PROPOSED INLAND MARINE COVERAGE Insurer: Preferred Governmental Insurance Trust Not Rated by A.M. Best Description of Property: Values of Insurance: Per--Schedule Attached -Including $ 1,359 780:00 • Contractors Equipment • Electronic Data Processing Equipment • Fine Arts • Other Inland Marine • Rented, Borrowed, Leased Equipment • Valuable Papers • Watercraft Causes of Loss: Special Form: Excluding Flood and Earthquake Loss of Use coverage is not automatically included Valuation: Actual Cash Value Deductible: $5,000 Exclusions Include But Are Not Limited To: Flood Earthquake/Earth Movement Terrorism Biological or Chemical Materials Electronic Data Electronic Date Recognition Asbestos 15 PROPOSED INLAND MARINE COVERAGE Continue... Description of Property: Values of Insurance: Butterfly Sculpture $ 20,000.00 Yamaha Rhino 5Y4AM I6Y88A002734 $ 10,000.00 2010 Polaris Ranger ATV 4XATH76A9A2885214 $ 15,000.00 2005 Bobcat Loader $ 22,299.00 _Yamaha.ATV__._._._._ _ 5Y4AJ15Y15A004564 $ -8,000.00 Sculpture- " Rising Horizons" $ 160,000.00 2009 Polaris Ranger ATV $ 8,600.00 Yamaha Rhino 5Y4AM23Y89A003863 $ 10,000.00 2008 Yamaha Rhino 5Y4AM16Y08A009631 $ 10,000.00 2006 Yamaha ATV $ 9,478.00 2011 Yamaha FY1800K YAMA3679B111 $ 12,500.00 Pelican Sculpture $ 3,500.00 Yamaha Kodiac 400 ATV 5Y4AJ 15Y45A001182 $ 8,000.00 2011 Yamaha Jetski,Model FY1800K $ 12,000.00 2005 Yamaha FX140 Jet Ski $ 8,600.00 2010 Polaris Ranger ATV 4XATH76A2A2885202 $ 15,000.00 Unscheduled Items $ 50,000.00 Yamaha Kodiac ATV 5Y4AJO7Y24A021825 $ 7,000.00 Sculpture-"Family" $ 190,000.00 Yamaha Rhino 5Y4AJ15Y05A004029 $ 10,000.00 China Dinnerware Set $ 10,137.00 2012 Polaris Ranger ATV 4XATH76A5C4723331 $ 11,066.00 2011 Yamaha FY1800K YAMA3673B111 $ 12,500.00 Unscheduled Items $ 100,000.00 Fisherman Sculpture $ 3,500.00 2009 Polaris ATV 4XAMN76A39543675 $ 7,000.00 2009 Polaris ATV 4XAMN76A59A542186 $ 7,000.00 Yamaha Jet Ski YAMA27301405 $ 10,000.00 Unscheduled Items $ 600,000.00 2005 Yamaha FX140 Jet Ski $ 8,600.00 Total Insured Values $1,359,780.00 16 PROPOSED CRIME COVERAGE Insurer: Preferred Governmental Insurance Trust,Not Rated by A.M. Best Type of Policy: Combination Crime Limits of Coverage: Employee Dishonesty - Blanket Form $ 250,000 Covers loss of money, securities and other property by employee dishonesty at all premises of the inured. Forgery or Alteration $ 250,000 Covers loss by forgery or alteration of checks, drafts, and promissory notes(except by an employee)that are made or drawn by the insured or his agent. Theft,Disappearance and Destruction Inside the Premises $ 250,000 Outside the Premises $ 250,000 Covers money and securities from almost any cause other than Employee Dishonesty and Forgery. Computer Fraud Including Funds Transfer $ 250,000 Other Coverages Available: D. Robbery and Safe Burglary E. Premises Burglary G. Extortion H. Premises Theft and Robbery Outside I. Lessees of Safe Deposit Boxes J. Securities Deposited with Others Deductibles: Employee Dishonesty $5,000 Forgery or Alteration $5,000 Theft,Disappearance & Destruction Inside $1,000 Outside $1,000 Computer Fraud $1,000 17 PROPOSED GENERAL LIABILITY COVERAGE Insurer: Preferred Governmental Insurance Trust Not Rated by A.M. Best Type of Form: Commercial General Liability- Occurrence Form Limits of Liability: Bodily Injury& Property Damage Liability $5,000,000 Each Occurrence N/A General Aggregate Included Products & Completed Operations Aggregate Personal Injury& Advertising Injury Included Any One Person or Organization Damage to Premises Leased/Rented to You Included Any One Fire Medical Expense $ 2,500 Any One Person Bodily Injury& Property Damage Deductible N/A Per Claim/Occurrence Higher Liability Limits may be Available Upon Request Exposure Basis: Class Basis Amount General Liability Ratable Payroll $6,404,770 18 PROPOSED GENERAL LIABILITY COVERAGE Continued Coverage Enhancements: Coverage Include the following: • Herbicide&Pesticide Limit o $1,000,000 Aggregate Limit • 1Vo Fult_S_e_wcr Back Up o $1,000 Per Claimant o $5,000 Aggregate • Media Content,Network Security&Privacy Liability Endorsement o Claims Made Form o Each Claim/Aggregate $100,000 o Retroactive Date 10/01/2011 o Deductible $2,500 Exclusions include but are not limited to: • Pollution • Asbestos • Lead • Nuclear • Professional Liability • Terrorism • Liquor Liability 19 PROPOSED EMPLOYEE BENEFITS LIABILITY COVERAGE Insurer: Preferred Governmental Insurance Trust Not Rated by A.M.Best Coverage Form: Occurrence Limits of Liability: $ 5,000,000 Per Person N/A Aggregate Deductible: N/A In the event that your Employee Benefits Liability coverage was previously written on a Claims Made form, you should explore the possibility of purchasing an "extended reporting period"from your prior carrier. Employee Benefits Liability: To pay on your behalf all sums which you shall become legally obligated to pay on account of any claim made against you by an employee, former employee, or the beneficiaries or legal representatives thereof and caused by any negligent act, error or omission of yours, or any person for whose acts you are legally liable in the administration of your Employee Benefits Program. 20 • PROPOSED LAW ENFORCEMENT LIABILITY COVERAGE Insurer: Preferred Governmental Insurance Trust Not Rated by A.M. Best Type of Form: Occurrence Limits of Liability: $5,000,000 Per Person $5,000,000 Per Occurrence N/A Aggregate Deductible: N/A Exposure Basis: Class Basis Amount Law Enforcement Full Time 61 Officers 21 PROPOSED PUBLIC OFFICIAL LIABILITY COVERAGE Insurer: Preferred Governmental Insurance Trust Not Rated by A.M. Best Type.of Form: Claims Made Limits of Liability: $5,000,000 Per Claim $5,000,000 Aggregate Deductible: $2,500 Per Claim Retro Active Date: Per Policy Form Exposure Basis: Class Basis Amount Municipality Public Officials Payroll $10,129,524 Supplemental Payments: • Pre-termination o $2,500 Per Employee o $5,000 Annual Aggregate • Non-Monetary o $100,000 Aggregate 22 PROPOSED EMPLOYMENT PRACTICES LIABILITY COVERAGE Insurer: Preferred Governmental Insurance Trust Not Rated by A.M. Best Coverage Form: Claims Made Limits of Liability: $5,000,000 Per Claim $5,000,000 Aggregate Retroactive Date: Per Policy Form Deductible: $2,500 Per Claim Exposure Basis: Class Basis Amount Employment Practices Number of Full Time- 171 Employees Part Time—65 Volunteers- 10 Employment Practices Liability Protection: To pay on your behalf all sums for which you shall become legally obligated to pay on account of any claim made against you by an employee or former employee, for Wrongful Termination,Discrimination, Sexual Harassment and other Employment-Related Claims.This is a duty to defend policy. Coverage for your company and its directors,officers, owners,members or partners or their spouses for conduct within the scope of their duties for the company,is included in addition to coverage of claims against employees,including part-time,seasonal and temporary employees,for conduct within the scope of their duties for the company. 23 PROPOSED COMMERCIAL AUTOMOBILE COVERAGE Insurer: Preferred Governmental Insurance Trust Not Rated by A.M. Best Limits of Liability: Bodily Injury_&Property Damage Liability $ 5,000,000 Combined Single Limit Liability Coverage Provided For: Symbol# 1: Any Auto Personal Injury Protection $ 10,000 Each Person—Symbol#5: (Florida No-Fault) Owned Autos Subject to No-Fault Medical Payments $ 2,500 Each Person Medical Payments Provided For: Symbol#2: Owned Autos Only Uninsured Motorists Non-Stacked $ 100,000 Per Accident Uninsured Motorist Coverage Provided For: Symbol#2: Owned Autos Only Physical Damage: Collision $ 2,500 Deductible Comprehensive $ 2,500 Deductible Physical Damage Coverage Provided For: Symbol#2 & 8: Owned Autos Only/Hired Autos Only Higher Limits of Liability May Be Available Upon Request Description of Vehicles: Please See Attached Schedule of Automobiles Coverage Enhancements: • Hired Auto Liability • Non-Owned Auto Liability • Hired Physical Damage o Limit: $50,000 Subject to Deductible NOTE: The vehicles listed on this policy must be owned by,titled to or leased to the Named Insured. 24 i 1 VEHICLE SCHEDULE Unit# Make Model/Description Department I AL Eff Comp Ded Comp Eff Term Value Qty Year VIN# Vehicle Type 1 AL Term Coll Ded Coll Eff Coll Valuation APD Rptd Tenn Type 03' Ford Crows Victoria Non Police 16/31/12 52,503 1101/12 1101/13 517.530 1 1938 2FAFP71WCWX123430 Private Passenger 10201;13 52,500 1001/12 10101/13 Actual Cashl 517.50 002 Ford Crown Vc,oda Nan Police 10:01112 52.500 10101112 10101/13 $17,500 1930 2FAFP71W7WX123425 Private Passenger 10/01713 52.50D 1101;12 10101;13 Actual Cash' 517.50: 003 Ford Ranger Non Police 10/01112 52,600 10/01/12 111'01113 $11,500 _ 1 1393 1FTYR76VSXUB21491 Light Truck 10/01/13 92.500 10:01)12 10/01113 Actual Cash' $11,50: 004 Ford Taurus NonPdice 1 10101/12 52,503 10/61/12 10101/93 $17,500 1999 1FA?P52U0XA212081 Fr'vatePassengsr 10,10/113 52,500 1101:12 10:01;13 Actual Cash' 517,50 00.5 Ford Focus NonPdice 10/01112 32,500 10101/12 1101/13 515.000 1 2000 tF.AFP33P3'YW3042n3 Private Passenger 10/01110 52.900 1101112 10101113 .4cruaICashl 515,01 035 Ford Taurus Non Police 10101/12 52,600 1101/12 10/01113 $17,500 1 2000 1FAFP5220YO13tS885 Private Passenger 10/01113 52.000 1101)12 10/01113 Actual Cash' $17,500 007 Ford CrovnMc:oria NonPdice 10101/12 32,500 13'01112 1101113 $17,500 1 2000 2FAFP7IWOYX140057 Private Passenger 10:01:13 52.500 10/01/12 l 1101113 Actual Cash' 517,500 005 Ford F-250P/U Non Police 10/01/12 32,500 11101/12' 1101/13 525.000 2001 IFTNF21L21EBS73r7 Light Truck 1101113 $2,500 1101;12 1101113 AcualCash! 525,000 009 TRAILER Non Police 1101/12 32.900 10/01112 10/01/13 55,000 1 2001 145U91217YM040908 Trailer•NO CR:4101;13 52.500 10/01112 10101/13 Acttal Cash' 55,000 010 TRAILER Non Police 1 10;01;12 52.000 .101112 10101/13 S5,03O 1 2001 14808121110041467 Trailer-NO C111.11493:11/13 52.500 10101'12 13/01113 Acuual Cash' $5,000 011 Ford Explorer Non Pd ice 1 10/01112 52530 10/01/12 1101/13 $29,000 1 2001 1:4.121J72E117i54300) Light Truck 1 10101/13 52,500 10/01/12 1101113 Aca131Cash' $29,000 012 JET SKI TRAILER Non Police 1 1101;12 52,500 10/01/12 1101/13 57,000 1 2031 145DA1413YM040808 Trailer•NO Ch.I4Sse1:13 52.500 10101/12 10/01/13 Actual Cash' $7.000 013 Toycta Camry Non Police 1 1101112 52.000 13101/12 1101/13 $17,000 1 2003 4T1BF32K834050501 Private Passenger 1 10'01113 32,500 10101/12 10/01/13 Actual Cashl 517.000 014 Ford F-350 4X4 Non Pdice 1 10101;12 32,500 10701/12 1101/13 525.000 1 2004 IFTSF31SX4EB72117 Medium Truck 1 11/11113 92.E-00 10201/12 /0101/13 Actual Cash] 525.000 015 Ford Explorer Non Police { 10/01/12 52.500 11101/12 11101/13: 529,000 2034 1 FMZU72KX4UA821158 Light Truck. 1 10101;13 52.500 1101112' 13/01/13 Acuual Cash' 528,06: 015 Ford Explorer Non Police 1 10101/12 52.500 1001/12/1 1101/13 528,000 1 2004 1FM21J72K14U.A52169 11ghtTruck , 10/01113 52.500 1101112 10/01/13 Actual Cash' 528,000 017 Ford F-550 Non Pc4 ice 1 1001112 52500 10/31/12 11/101/13 527,000 1 2004 IFOAE55>931-1800115 Medium Truck 1 10'01,13 32,000 1101112 10701/13 Actual Cash' 527,001 016 Art/TRAILER Non Police 1 1101/12 32,500 10/01/12 10101113 58,060 1 2004 1ZJUT14X4U'025518 Trailer-NO CH 0111611/13 52.500 10401112 1101;13 Actual Cash' $'6,000 016 Ford F-29-04X4 NonPctace 1101/12 32„00 10101/12 10101/13 $24,000 1 2004 1F:#F21LE3ED58701 Light Truck 10/01/13 32.500 1101/12 1101/13 AccualCash' 024,000 020 Chevrolet CE500AERCILITE Non Police 1 1041;12 52500 1101/12 16/01/13 533.000 1 2004 1GBESV1254F518058 Bus<0Paes.No 1mm/01;13 52.500 10/01/12 1101/13 Actual Cash' 333.000 021 Chewolet C5500AEROLITE Non Police 1 1101112 52,500 1101/12 1101113 533.000 1 2034 1GBE5V1284F518823 Bus..20 Pass.No I,h10D1113 32.900 1101112 1101/13 Actual Cash' 333,00: 25 VEHICLE SCHEDULE Continued... Unit# Make Model/Description Department AL Eff Comp lied Comp Eff Term Value Qty Year VIN# Vehicle Type I AL Term Coil Ded Colt Eff Coll Valuation APD Rptd Tame Type / 022 ATV TRAILER Non Police 1 10101112 3.2,500 10101112 10101/13 35,000 1 2005 1ZJUTIS175M030168 v Trailer-NOCKI3 2_ 1113 S2,500 10101/1I 10101113 Actual Cash' $5,00C 023 TRAILER Non Police 1 10.01112 52,500 10/01112 10101113 55,000 I 2005 Trailer-NO CI-LI.4/.101113 32.500 10/01112 10101113 Actual Cash $5,00C 024 TRAILER Non Police 1 10.01112 $2500 10,'01112 10101113 35,000 I 2005 Trailer-NO CF I 1/t 3 $2500 10,'01/12 10101113 Actual Cashl $5,00C 025 SKI TRAILER Non Police 1 10101112 52,500 10101/12 10101113 310,000 i 2006 1Z.1BE141 X5M0391S9 Trailer-NO CI-1.I 495,1113 32.500 10101112 10,'01.113 Actual Cash) $10.00; 025 131(1TR.AILER Non Police 1 10101/12 32,500 =0101/12 10101/13 510,000 1 2005 12JBE1455M030170 Trailer-NO Cl 111•L 1/13 52.500 11'01112 10/01;13 Actual Cash $10,00[ 027 Je,SKI TRAILER Non Police 101101112 $2,500 10101112 10101113 510.000 I 2 0 0.5 1ZJBE20115M030I07 Trailer-NO CIRI 1/13 32,500 10101112 10101113 Actual Cashl $10,000 U2c Ford Explorer Sport Trac Non Pdice 1 10:01112 32,500 10001/12 10101113 .57,000 2009 1pMZU77K4511898914 Light Truck 1 10/01/13 32,500 10101/12 1 10)01113 Actual Cashl $7,090 020 Ford Ranger 4x4 Non Pdice 1 10/01112 $2,500 10/01112 1 11301/13 515,0013 2005 IFTYR11ESSPA5S37% Light Truck 1 1001/13 32.500 10101/12 11101/13 Actual Cash' 515.00: 030 Ford Explorer Non Pdice 10/01112 52,500 10/01112 10001/13 $24,000 1 2005 11FMZU72KX5UBOS725 Light Truck 1 101171/13 52,500 10101112 10001/13 Actual Cash $24,00[ 031 Ford EXPEDITION Non?dice I 1010102 32,500 10001112 113101113 ;027,009 2005 1FMFU18255LA65070 Light Truck 1 10/01/13 32,500 10101112 1001113 Actual Cash 3220.001 032 Ford F-650 DUMP Non Police 1 10001112 52,500 10101112 10101/13 $Z3.009 1 2005 3FRINF655E351/167079 I4eavyTruck 1 10401113 32,500 /0101/12 10101013 Actual Cashl 528,00[ 033 LOADER Non Police 1 10,+01/12 52,500 113101/12 10101113 $10 2005 5250185/8 Trailer-NO CH, i'1013 52.500 10101/12 10,'01113 Actual Cash 510,0CC 034 Anderson TRAILER Non Police 1 10/01/12 $2,500 10/01/12 `10101/13 $13,000 2005 4YNBN 182450028637 Trailer-NO C.1=1.401113 32.500 /0!01/12 1001113 Actual Cashl $6.090 035 WASHER/TRAIL Non Police 1 10:01/12 32,500 /0001112 '1101113 .43,000 1 2005 NO:14N0200444887 Trailer•NO Ck I RIP.,�+1/13 32,500 10101112 10101113 Actual Cash $4,005 036 Ford F-1604X4 Non Police 10101/12 52.500 10/01/12 10101113 $25,000 2006 11-I XF145X0NA63717 Light Truck 10/01113 32.500 10/01/12 10'01113 Actual Cashl $25,000 037 Ford F-1504X4 Non Police 10/01/12 52.500 10001/12 10101113 $25,000 1 2006 1FTRF14S1SNAS3718 Light Truck 1001/13 32.500 10101112 10/01/13 Actual Cashl 525.005 038 Ford Ranger4x4 Non Police 10101/12 32500 10/01112 10/01113 $14.400 1 2006 1FTYR11E36PA40220 Light Truck 10/01/13 32,500 10/01/12 10101/13 Actual Cashl 214,405 039 Ford Ranger4x4 Non Police 10/01112 52.500 10101/12 10/01/13 $14,400 1 2008 1FTYR11E50PA40221 Light Truck 10101013 52.500 10/01112 10/01/13 Actual Cash $14,405 040 Ford Explorer Non Police 10'01112 52,6)0 10/01112 10101113 $25,000 200E 1FMEU72E2GUA93020 Light Truck 10101113 $2,500 IC101/12 10/01113 Actual Cash $25,005 041 Ford E450 Non Police 10101112 32,500 10101/12 10101113 $28,000 r 2008 FDX=451081-1823677 Bus el0 Pass,No ;1110101/13 $2,500 10,01112 10101/13 Actual Cash $28.00t 042 Sterling ELGIN Non Police I '1801012 52,500 10101/12 10'01/13 $25,000 2007 401 IAADBV17DX5,•B50 Trailer-NO CRI x1013 32,500 10101112 10/0111a Actual Cashl 525,90[ 26 VEHICLE SCHEDULE Continued... Unit# Make Model/Description Department 1 AL Eff Comp Ded Comp Eff Term Value Oty Year V1N Ai Vehicle Type Al-Term Coll Ded Coll Eff Coll ! Valuation APD Rptd Term TYPe 043 VTII MIXEP. Nor,Police 10;51712 52,500 13'01/12 11301/13 $15,007 I 2005 2S9U421 100 31 32 180 Trailer-NO CN 912 01113 52.500 10/01/12 1 10/01/13 Actual Cash 515,00E 044 GEM eL Non Police 10101/12 52,500 10/01/12 10101113 $9.000 1 2008 SAPAK27448F047428 Private Passenger 10/01/13 02.500 10101;12 10/01113 Actual Cash' 59.00[ 045 GEM eL Non Police 10)01,12 52.500 10.01/12 10701113 59,000 1 2005 5ASAK274X8F047429 Private Passenger 10101/13 52.500 10101;12 10,'01113 Actual Cash' 59,000 048 Ford E45.D Non Police 10101/12 52.500 10101112 10701113 528.000 1 2003 1 Fs;XE4SPETDA95189 Bus X20 Pass-No L1f110/01113 52,600 10/01,12 10'01113 Actual Cash' S28.0OC 047 Ford F-150 4X4 Non Pal ice 10701712 52500 10101/12 10/01113 528.000 2009 1FTRF147879KC35533 Light Truck 10101;13 52,500 10101:12 10701/13 Actual Cash' 529.006 048 Ford F-15,3 4X4 Non Police 10/01112 52900 10/01112 1001/13 528.000 1 2010 lFTE'/ir1E82AFC1729e Light Truck 10101/13 02,500 10/01112 10/01/13 Actual Cashi 328.00C 049 Ford Explorer Non Police 10+01112 52.'.500 10101/12 10101/13 528.000 , 2010 1FMEU8FE9A.1.A34332 Light Truck 1001/13 52500 10/01;12 10701113 Actual Cash' 328,006 050 BOAT TRAILER Police 10/01/12 512,500 10/01/12• 10101/13 54.000 1 1993 Trailer-NO CFf. RG 1/13 32.600 10/01;12 10101/13 Actual Cash 54,000 051 Ford Crovm Victoria Police 10/01112 52,500 10/01112" 10101/13 517,500 1 1998 2FAFP711N31.^/X113089 Police Car 10101113 02,500 10/01;12 1001113 Actual Cash' 517.506 05.2 Ford Crown Vc/cria Police 10471112 52,500 10,'01112 ,10/01/13 517,500 • • 1998 2FAFP71W7WX123425 Pd ice Car 10101113 52,500 10101112 10)01/13 Actual Cash 517,506 053 UTLT1'TRAILER Police r 1Oro1112 52,500 10/01/12 10/01/13 $5,000 I 1999 1E9AL10131L25274 POI ice Car 10!01113 52,500 1001/12 10;01113 Actual Cash $5,006 054 SMART TRAILER Police 10/01/12 52.500 10/01/12 10/01/13 58,000 1 1999 1118850813WK118896 Police Car 10/01113 32500 10101/12 10101113 Actual Cash 58.006 055 Ford Crown Victoria Police 10/01112 52/500 10/01/12 10101113 317,600 I 1998 2FAFP71W2W123428 Police Car 10'101113 52,500 10/01/12 10'01/13 Actual Cash' $17,506 M 058 Ford Taurus Police /0101/12 .'5.500 10/01112 10/01/13- $18,000 1 2000 1FAFP5222Y0138868 PcliceCat 10.451113 32.500 10/01/12 10;01/13 Actual Cash' 518,000 067 Ford Crown Victoria Police 10./01112 _ 52,500 10101/12 10/01;13 $17,500 1 2000 2FAFP7IWOYX140957 Police Car 10)11/13 52.500 1001/12 1 10701;13 Actual Cash $17,500 058 Ford Taurus Police 10;101112 32,500 10101/12 i 10/01/13 517,500 1 2000 2cAFP5826b'A238852 Police Car ' 1am1/13 52500 10101112 10701/13 Actual Cash 017.50{ 059 Ford F-35-0 P,'U 4X4 Police 10/01112 32,500 -10101/12 10'01/13 $25,000 i 200-0 1FTS1/131SOYEC57229 Police Car 10/01/13 52500 /0/01112 10/01/13 Actual Cash' 325.006 060 Ford Explorer Police 10/171/12 32,500 10101112 10101/13 $28,000 1 2001 1FMZU72E31ZA54351 Police Car 10/01713 52500 10)01112 10'01/13 Accrual Cash 328,006 051 Ford CrownVkccia Police 10/01/12 52,500 10/01/12 /0471/13 $18,25] 1 2001 2FAFP71W31X124315 Police Car 10101/13 52,500 10101712 10101/13 Actual Cash' $18,256 082 Ford Crown Victoria Police 10/01/12 52,500 10101/12 `10'01113 518,250 1 2001 2FAFP711A71X124017 Police Car 10/01/13 52.500 10101/12 10'01/13 .Actual Cash' 518,256 083 Ford Crown Victoria Police , 52,500 /4301112 10/01/13 $18250 1 200/ 2FAFF71>r"91X 124013 Police Car 10/01/13 52,500 10/01;12 101101113 .Actual Cash 018,250 27 I VEHICLE SCHEDULE Continued... Unit# Make Model/Description Department AL Elf Comp Ded Comp Elf Term Value Qty Year V1N 8 Vehicle Type AL Term Coil Ded Coll Eft Coll Valuation APD Rptd Tnrm TYPe 084 Ford Explorer Police 10.01712 32.500 10101/12 J101131113 524.000 1 2004 1FMZU72K44UA62245 Police Car 10.,01713 32,500 10101/12110(01/13 Actual Cash' 524,000 060 Ford Explorer Police 10/017122 52.500 10(01112 ;:10/01/13- 524.003 1 2004 1FMZ1J72K441-1,482246 Police Car 1 10/01113 52.500 10101112 10101113 • Actual Cash 524,00: 060 Ford Explorer Police 10:01112 52.500 10(01112' ;10'01113, -. • 524.000 2004 1FMZU72K 84LA82I Si Police Car *10101/13 52.F00 10'01/12 10101113 Actual Call 524,00: 087 Ford Explorer Police 10.'01112 S2.500 10701/12 10101/13 • 324,000• 1 2004 1FMZU72(64LiA82247 Police Car 10/01113 32,500 10.01/12 10'01113 Actual Cash' 524,0CC 085 Ford Crown Victoria Police 10101712 $2.600 10/01/12 101001/13 • . •:317,000 1 2006 2FAFF71W05X1418 i4 Police Car 10331113 52,600 10:01/12 10/01/13 Actual Cashl $17,00: 086+ Ford Crown V71acria Police 10101(12 521500 107011:12 10001113 - • 317,000 I 2005 2FAFP71W05X141815 Police Car 104)1713 52,500 10'01112 10/01113 Actual Cast 517,000 070 Ford Crown'victoria Police 10101112 : 52.500. 1001112 10(01113' : . :.3t7.000 2P 7 --x141913 Police Car 10031113 32,500 10101/12 10101/13 Actual Cash' 17,00 7 105 _ AFFr1Wi+.1 ' 071 Ford Explorer Police 10101712 32.500 14701112.._'1.0101113 : _329.000• 'e 2005 IPMZU72K06tletZT20 ?dice Car 10/01/13 32,6600 10701112 10(01/13 Actual Cashl 320.00C 072 Ford Explorer Police 10101112 32.500 10/01/12 10l01t13 :' $29,000 , 2000 1'F11ZU721(251.805721 Pd ice Car 7 10:01/13 52.600 10101/12 10331113 Actual Ca5h' $29.000 073 Ford Explorer Police 10701712 92,500 10701/12:•;10(01113; $29.000/• I 2005 1FMZU721445UR08722 Police Car 10/01713 52.E 10101(12 10101/13 Actual Cashl 529,00E 074 Ford Explorer Police 10101112 :32400 10/01/12 10(01113_ E21i,Ad0 2 2006 1FMZ1i72K851.1605724 Police Car 10/01/13 52,500 10101/112 10701113 Actual Castel 529,000 075 Ford EXPEDITION Police 10701112 32.500 ' -1o/1011/12.'1111.01/IS 320.000 i 2008 1FMFUIS5X5LA685OE Police Car 10701(13 $2.500 10'01112 10/01/13 ACIYaI Cast $23,0:‹ 078 Ford F-1604:4 Police 10331112 :'_52.500 • ,10101/13_;10101113, 526.000 1 :005 IFTVX1455514A84G68 Police Car i 1031/13 52,500 10701/12 10101113 Actual Cast 0 528,0 077 Chevrolet IMPLALA Police ' 10701/12 32,500 `10(011121,10101/13. •:'.-325.000 1 2005 201521`359248321 Police Car 10/01(13 411/M 52,E 10101/12 10101/13 AClual Cash! $25.000 076 SMART TRAILER Police 10/01112 $2000. :10331/12:,;10701/13: .-.... ' ':;'5.000 . 2005 25/70511136513`+322 Trader•NO CF=F60t01/13 32500 10701112 10/01113 Actual Cash $5.000 079 Ford Crown V i oria Police I 10.'5)1(12 32.300 10'01/12:':10101/13':::, • '525:140 1 2000 2FAFF7IW08X 124973 Pd ice Car 1 10101/13 32.300 10(01/12 10101/13 Actual Cash! 520140 080 Ford Crown Moiccia Police 1031112 32.600.. 10101112 ;-11/01/13, . 325140 t 2005 2FAFPi 1475X124950 Police Car 10/01/13 52.500 10/01/12 10/01/13 Actual Castel 525.140 061 Ford Crown\Tc.cria Police 10101152 •52;100 10101/12 :10(01113: 525140 1 2006 25.AFP71W06X124981 Pd ice Car 10/01713 52,500 50101)12 10101/13 A00.131Cashl 525,141; 082 Ford CrownLletoria Police 10/01712 ,322.600 10101712 ;10101113' 525140 1 2003 2FAFP71V 125X124683 Pd ice Car 10101113 52600 10(01/12 10/01113 Athual Cashl 325.145 083 Ford Crawl Victoria Police 10101712 • •:32,500 ,10131/:12• •.10/01(13: $25,140 1 2006 2PAFP71W46X124984 Police Car 10431713 52,500 10101112 10101(13 Actual Cash] 525,14; 084 Ford Crown Victoria Police 10101112 : 52500 10701112. 10701113•• 525,140 - 1 20013 2PAFP71W65X124066 Police Car 13/01/13 32.500 10701112 10(01113 Actual Cash' 525,140, 28 i VEHICLE SCHEDULE Continued... Unit* Make Model/Description Department AL Eff Comp fled Comp Eff Term Value Qty Year VIN# Vehicle Type AL Term Coil Ded Coll Elf Coll Valuation I API)Rptd 7orm Type 085 Ford Crown Victoria Police 10:01/12 $2,500 10,01112 10701113 525,140 1 2005 2FAFP71W88X124038 Pia iceCar 10..101113 52.500 10/01/12 10101113 Ac1131 C3sh' 325.14: 088 Ford Crown Victoria Police : 10101/12 32,500 10101/12 10/01/13 525.140 1 2003 2:AFP71W85X124070 ;PoliceCar 1 10/01/13 32.500 10.`01112 10/01113 Actual Cash' 325.14 097 Ford Crown Victoria Police . 104)1112 $2,500 1040`1+12 10/01/13 $25,140 1 2006 2=AFP71W05X124982 Pci'ce Car 10:01713 52,500 10101:122 10101/13 .Actual Cash' 525,14[ 088 Che role/ Impala Police 10/01112 52.500 10101112 10401/13 $17,000 t 2003 2[1:11581450220371 Police Car 1001113 52.500 104)1;12 16/01/13 Actual Cash} 512000 080 UTLTYTP.AIER Police 10/01712 52.500 10:01:12 10'01/13 30,000 1 2006 16HCE1212r30083008 Trailer-NO CH.A4GL 1:13 32.500 10;01/12 15'01113 Actual Cash! $B4OOC v ` 000 Uti5y UTLTYTP.ALER Police 10101'12 32.500 10101/12 10101/13 35.000 1 2005 N;A Trailer-NO C.P..64'1713 52,500 :0:01.112 10701113 Ac.:3u1 Cast' $5,000 061 Ford Crown Victoria Police 10101112 32.500 10401/12 10101/13 528,245 l 2007 2PAFP71W57X1551C,3 Police Car 1(/01113 32500 10701%12' 10101/13 Actual Cashl 528,245 082 Ford Crown Victoria Police 10.01112 82.500 10101412 10101/13 528.215 1 2007 2FAFP71W77X155101 Police Car 10:01713 52.500 10;01112 10/01/13 Actwl Cash' 528.245 003 Ford Crown Victoia Police 10101/12 52,500 10101/12 10101113 528,245 1 2007 2FAFP i 1V407X155102 Police Car 10101113 82,600 10101;12 10101/13 Actual Cash) 528,245 004 Ford Crown\rc13 5a Police 10.01.12 32.500 10101/12 10101113 528.245 2007 2°AFP711N07X155103 Poicc Car 10101113 32,500 10/01112 10/01/13 Actual Cash' 528.245 085 Fcrd Crown Victoria Police 10!01112 32,500 10101;12 10101113 328,245 1 2007 2FAFP71V.27X 155104 Police Car 10/01/13 $2.500 10::01112 10101:13 Actual Cash' $25245 095 Ford Crown Victoria Police 10/01112 52.500 10101/12 10101113 526.245 1 2007 2PAFP71W97X155105 police Car 10/01/13 52,500 10701112 1101;13 Acaral Cash! $25,245 007 Ford Crown Victoria Police ! 10101712 32,500 10401/12 10101/13 $28.245 1 2007 2FAFP71W97,4155107 Police Car 10/01713 32.500 10/01/12 10(01)13 Actual Cashl $28,245 008 Ford Cryan Victoria Police 1001'12 52500 10/01112 10/01/13 $28,245 1 2007 2PAFP71W47X155105 Police Car 10(01113 52,500 10 101112 10101/13 Actual Cashl 328,24; 000 Ford CrownVicdana Police 1001112 32.500 10,01112 10/01/13 $28,245 1 2000 2FAHP71V79X1253510 Police Car 10101/13 3.2.500 10401/12! 10/01113 Ac?ualCash' 328,245 100 Ford Crown Victoria Police 10.01/12 32,500 10:01112' 10,'01/13 _ $26,245 1 2000 2FAHP71V39X129520 Police Car 10101113 32.600 10:01/12 1 /01113 /4ar11 Cash' 328.24 10 Ford Crown Victoria Police 10401112 52,.500 10/01/12 "10701113 526,245 1 2000 2=AhP71V70X120522 Police Car 10101113 32,600 /0701/12 10101;13 Actual Cash' 528,245 102 Ford Crown Victon3 Police 1001/12 $2,500 10101/12 '10101113 $20,245 1 2000 2FAHP71V59X120521 Police Car 10101113 52,500 10,01/12 10/01/13 Acaral Cash' 528.245 103 Ford Crown Victoria Police 10/01/12 52.500 10401112 10101;13 528,245 • 1 2000 2FAHP71V09X120523 Police Car 10.01113 32,500 10101112 10401113 Actual Cashl 528,245 104 Ford Explorer Police 10101712 ,32,500 10/01112 10401113 520,000 1 2000 1FMEU73E691JA21432 Police Car 10/01113 32,500 :0101112 10/01/13 Actual Cashi 520,000 106 Ford Explorer Police 10/01/12 32.500 10101412 10/01/13 320.000 • 2000 1FMEU73E11O1.JA21431 Police Car 10151113 52,600 10701)12 10/01/13 Actual Cash' S29,00C 29 1 VEHICLE SCHEDULE Continued... Unit# Make Model/Description Department AL Eff Comp Ded Cony Eff Term Value Qty Year VIN# Vehicle Type AL Term Coll Ded Coll Eff Coll ' Valuation AP Rptd Term Type , 106 Chevrolet Tahoe Police 10101/12 $2,502 10101112 10/01113 I $41,000 • 2010 11,3NUKAEOXARt09533 Police Car 10/01:13 32.E-00 10101/121 10;01/13 AxualCash] 541,00 107 Che+mclet Tahoe Police . 10101112 525010 10/01112 10101/13 541,000 1 2010 tGNUKAE04AR110760 Police Car 10:01113 32,500 10101/12 10/01/13 Actual Cashl $41,005 100 Chevrolet Tahoe Police 10/101112 32,500 10/01/12 10701/13 541.000 1 2010 1GNUKAE05AR108S76 Poi ice Car 10/01:13 52,600 10:01112 10101113 Actual Cash' $41,000 104 Ford Explorer Police 10/01/12 52.500 10/01/12 10'01113 $31,00.3 1 2010 1FMEU7DE4AUA30133 ?dice Car 10/01113 52,500 10/01112 10101;13 Actual Cash! 331,000 110 Ford Explorer Police . 10/01/12 $2,500 10/01/12 10101/13 $31,000 1 2010 1FMEU7DEOAU.4.30135 Police Car 10/01/13 $2500 /0101112 10101(13 Actual Cash' 331,00: 111 Ford Explorer Police • 15101/12 52,5010 10/01/12 10101/13 531,000 1 2010 1FMEL'7DEXAUA3C13S Police Car 10/01/13 52,500 1C::01/12 10101/13 Actual Cashl 331,000 112 Ford Explorer Police 10/01/12 52,50D 10/01/12 101101/13 $31,000 x 2010 1FMEU7DE1AUA30137 Police Car 10+x01113 52.500 10/01112 1 10/01113 Actual Cashl 331,00} 113 Ford Explorer Police 10/01/12 32,500 1D/01/12 10/01/13 531,000 1 2010 1F EIJ7DE6AUA3D134 Police Car , 10/01/13 S25000 0'01112 10/01;13 Actual Cash' 331,00E 114 Ford Crown Victoria Police 15/01/12 :: 32,500 10/01/12 10'01113 $17,000 1 2010 2FAI3P76VXAX:12662 Poice Car 15:101(13 52,500 10101312 10/01113 Actual Cashl $17,00! 115 Chrysler 300 Police 10/01/12 52,500 10/01/12 10101113 327.0530. 2010 2C3CA4COAAH 140313 Police Car 15101/13 52.502 10:01/12 10/01/13 Actual Cash! 327,00d 116 Chrysler 300 Police 10101/12 52,500 10/01/12 /0(01/13 527,000 1 2010 2C30A4CO2AH140312 Pdice Car 10101/13 52,500 /0101112 10;01;13 Actual Cash' 527,000 117 Dodge Charger Police 15;01112 52,500 10/01/12 10/01113 524,000 1 2010 2B34A4CT0A1-1143981 Police Car 10101/13 52,500 101/01;12 10/01;13 Actual Cash' $24,000 110 Ford Explore Police 101101/12 : 32540 /10101/12 10101/13 .'529,900 1 2010 1i1,,t EU7DE3ALIA30138 Police Car 10/01/13 52500 10101112 10101/13 Actual Cashl $29,9U 119 Haney Da idson Road King Police 10/01/12 32.500 10/01112 10/01113 .... $17,005 1 220 0 11101F1-141107Y622630 Police Car 10101113 32,502 10101/12 10101113 Actual Cash! $17,00: 120 Harley Davdson Road King Police 10/01112 52,500 10'01/12 18101/13 517,000 r 20031 1HD1FHX1167`f821004 ?dice Car 10101113 32,500 10/01)12 10101)13 A 1alCash' 517,00d 1 121 Harley Davidson Road King Police 10/01/12 52,500 10/01/12! 111.101113 517,000 1 2008 IHD1FHh1157Y622200 Police Car 1010113 S2.500 10/01/12 10101/13 Actual Cash! $17,005 022 Harley Harley Os'idsori Road King Police 1001112 32,500 10101/12 /0101/13 517,000 1 2005 1HD1FHM1671,622743 Pdice Car 10101/13 52.505 10/01/12 10/01/13 Actual Cashl 517.05: 123 Polaris Ranger Police 10/01/12 52,500 10101/12 10101/13 515010 1 2010 4XATH76A9A2805214 Police Car 10101/13 52,500 10101)12 10/01/13 Actual Ca5h) 315,0010 124 ?daris Ranger Police , 10!01112 52,540 /1 0/01112 10101/13 ` 515,000 1 2010 4XATH75A2A2885202 Police Car i 15/01113 52,W0 10101112 10/01/13 Actual Cash! 515.00." 125 Dodge Charger Police 10/01!12 $2,500 10/01/12 10/01/13 523,000 2010 263AA4CTOAH143981 Police Car 10101(13 52.1010 10101;12 10/01/13 Actual Cashl 523.000 126 Ford EXPEDITION Police 10/01(12 32,500 10101/12 10101113 529,000 1 2058 1FMFK195X7L474795 Police Car 10101113 52.500 10101112 15101)13 Actual Cash! 529,000 30 VEHICLE SCHEDULE Continued... Unit# Make Mod eutescription Department AL Eff Comp Ded'Comp Eft Term Value Oty Year V8d S Vehicle Type AL Term Coll Ded Coll Eff Coil Valuation APD Rptd Term + Type 127 Ford Crown Victoria Police r 10/01/12 92500 10/01/12 10/01/13 $20.060 1 2011 2PABP7BV18.X 121815 Police Car r 10:121;13 52500 10/01112 1 10/01/13 Actual Cash' 329,30{ 128 Ford Crown Vktoria Police 10101/12 52,500 10101/12 10101/13 528,000 1 2011 21PABP7BV58X121920 Police Car 10/01113 52500 10/01112 10/01./13 Actual Cash] 526,000 129 Ford Crown Victoria Police 101101/12 52,500 10'01112 10701113 1 526,000 1 2011 2FA9P7BV38X121823 PdiceCar 10A1113 52500 10/01/12 10701/13 Actual Cash' 526.000 430 Ford Crown Victoria Police 13/01/12 52,500 10/01112 10701113 325,000 2011 2FABP7BV2BX121824 Police Car . 10/01/13 52500 70/01/12 10701/13 Actual Cashl 525,000 131 Fcrd Crown Victcna Police 10101/12 52,900 1001/12 10101/13 526,000 1 2011 2PABP78V43X 121825 Pollee Car 10/01713 $2500 /0101/12 10101113 Actual Cashl 529,00: 132 Ford Crown Victoria Police 10101112 $2,500 10/01%12 10'01113 325,000 t 2011 2FABP7BVXBX121831 Felice Car 70/0113 82.500 110101112 10.101113 Actual Cashl 529,00E 133 Ford Crown Victoria Police 1001/12 52,500 10101112 113101113 5215,008 t 2011 2FA9P76V5BX121934 Police Car 10:01/13 52.500 10701;12 11D/01/13 Actual Cash! 529.000 134 Ford Crown Vic aria Police . 10/01112 52500 10101112 1 10.01/13 $38.000 i 2011 2FABP701./BX121835 Police Car 10101/13 $2530 10/01;12 1001113 Actual Cashl 515.002 135 Chevrolet Impala Police 10/01/12 52,500 10101//2 10/01113- 524,575 1 201; 201 WG5EK4B 1248440 Police Car 10121113 52,500 10101/12 10101/13 Actual Cashl $24,570 139 Harley Da'Jolson Road King 10I01/12 52600 10101/12 10/01113 $17,500 1 2011 1HD1FHk41083649789. Motorcycle 10101/13 32,500 10101/12 10101/13 Actual Cashl 317.50: 137 Dodge Charger 10101/12 52.500 13/01/12 10101113 324.809 2011 283CL'C1781-654295 Private Passenger 16101/13 52.500 10/01/12 10701/13 Actual Cash! 324,801 138 Midwest JeskiTrailer 10/01/12 52,503 10701/12 13/01113 31,300 1 2008 IMDKTIKK 1180411928 Trailer-NO CH. r7,GS'1713 52,500 10101;12 10101/13 Actual Cashl $1.300 139 Dodge Durango 10/01112 52.500 10101112 10/01/13 526.250 1 2011 1 D4RE20008C712583 Light Truck 10101113 52,500 13/01/12 10701/13 Actual Cashl 529,250 740 Dodge Durango /0131/12 , ,52500 1D/01/12 1a401)18 520,750 1 2011 104RE2GG08C712584 Light Truck 16/01713 32.500 10131112 10101113 Actual Cashl 529,750 141 Ford Fusion 16;3111'2 H $2500 10/01/12 11301/13 $29.992 1 2012 3FADPOL34CR200277 Private Passenger 1001113 52500 /0101/12 1 10'01113 Actual Cashl $20,99: 142 Ford F550 Bucket 10101/12 52,500 1001/12 13/01113 583,125 1 2011 1FDUF5-3T9SEDC8407 Medium Truck 1001;13 52.500 10101/12 10101/13 Actual Cash! 583.125 143 Dodge Durango 10001112 $2500 10701/12 10701/13 541.580 1 2012 1C45DHET2CC361273 Police Car 10101/13 52,500 10101(12 10/01/13 Actual Cashl S4 1.5X 144 Ford Ciwagcn-15 Passenger 10701/12 -• 32.500 10/01/12 10/01/13 530.943 1 2012 1289132 LightT$uck 10101713 52.500 10/01/12 10701/13 Actual Cashl 530,94,1 145 Chevrolet AeraliteCSSO-3 Police 10101712 .52,503 10/01/12 10/01/13 393489 1 2010 1r38G5U1928F414549 Light Truck 1001/13 52,000 10'01112 10101/13 Mural Cash' S93.28E 145 Ford F150 Police 10,101:12 52,500 10/01/12 10701/13 _ $13,037 1 2011 1:TMF1C4IX:BKD85765 Light Truck 10;01113 52,500 70101/12 10/01113 Actual Cash! $13,937 147 Ford F350 4x4 Crew Police 10/01112 52.600 /0101/12 10/01/13 546,034 1 2012 IFTBW38T5CrP,St91a Medium Truck 1001/03 $2.500 110;01/12 10'01/13 Actual Cash! 549,034 0 31 t VEHICLE SCHEDULE Continued... Unit# Make Model/Description Department AL Eff Comp Ded Comp Eff Term Value Qty Year VIN# Vehicle Type AL Term Coll Ded Coll Eff Coll Valuation APO Rptd Term Type 146 Dodge Charger Police 10)01/12 52.50/8 10401/12 10/01/13 $?3.104 1 2012 2C3CD.KATBCH1ele'0 Police Car 10/01/13 02.500 10'01/121 10'01113 Actual Cash 023,101 14P Dodge Charger Police 10/01/12 52.500 10101/12 10101113 $23.104 1 2012 2C3CDXAT5CH2049c'4 Police Car 10/01/13 52,500 10101;12 10'01113 Atual Cash' 523,104 150 Dodge Charger Police 10101/12 82,500 10701112 111'01113 $23,404 2012 2C3COXAT8CH i 81811 Police Car 1001/13 52,500 10101;12 10'01,113 Ai-MLA Cash 523,101 151 Ford F1504X4 Other 10101112 32,500 1001112 10101113 520,876 . 2011 1FTP.1F1EM26K062484 Light Truck , 10101'13 52,500 10101;12 10101113 Actual Cashi 320,87E 162 Dodge Charger Police 10)01:12 52,500 10/01/12 10/01/13 $37,300 1 2012 2C 3CDXATOCH248028 Police Car . 10!01113 32,508 10'01112 16101/13 Actual Cash! 537.30'1 163 Dodge Charger Police 10101/12 52,500 10101112 10101/13 037.300 1 2012 2C3COXAT8CH248C18 Police Car 1101113 32,500 10'01;12 10/01;13 Atual Cashi 037.300 154 Dodge Charger Police 10//01112 52500 10/01112 10701/13 537.300 I 2012 2C3CDXAT4CH2430I a Police Car 10/01/13 52.500 11101112 1 10/01113 Actual Cashi £37,300 155 Dodge Charger Police ., 1001/12 32.500 10/01112110'01113 _ 537.300 1 2012 2C 3CDXATXCH248O10 Police Car _ 10'01/13 52.500 /0101112 10!01/13 Anal Cashi $37,300 156 Dodge Charger Police 10/01/12 52,500 10'01/12 10/01113 $37.300 1 2012 2C2CO CATCCH248017 Police Car 10/01/13 02500 10)01112 10101113 Actual Cashi 037,300 157 Dodge Charger Police 10/01112 52500 10/01112 10/01/13 537,300 1 2012 2C3CDXAT2CH248015 Poice Car 1001/13 02,500 10/01/12 10101113 Actual Cashi $37,300 - 158 Dodge Charger Police 10+01/12 32.500 10701/12 10'01/13 $37:300 1 2012 2C3CDXATXCH240022 Police Car 10:11:13 02E{70 10/01/12 10401;13 Actual Cash' $37,30: 15P Dodge Charger Police 1001/12 32500 10101112 10/01113 $37.300 1 2012 2C3COXATSCH248021 Police Car 10/01/13 02.500 10.'01/12 10/01/13 Actual Cashi 337.30• 150 Ford F150 P Up Other 10171/12 52500 . 10'01112; 10101113 : $17, 1 2012 1 FTMF1CM.XCF 601707 Light Truck 10/01/13 52,500 10/01112 10101113 ActualCsshl $17,992 161 Ford F150 P Up Other 10101/12 -52,500 .10'01112 10/01/13i e 517,982 . 2012 IFTAIFiCM8CFB91708 Light Truck 10/01/13 02,500 1101;12 10101/13 ActualCashl 517.992 152 Harley Da'idson Road King Police 10101112 02,600 t101/12 10401113 $19,001 1 2010 1H01FH4118A6673703 Motorcycle 10/01113 82.500 1001112 10101113 Actual Cull 599.00; 183 Harley Da•idson Road King Police 1001/12 $2,500 10101112 1 1001/13 519.000 1 2010 1FHD1FHM12<Ae573809 Motorcycle 10:01/13 32,500 10.01112 10101113 Actual Cashi 019,004 184 Harley Da'•idson Road King Police 10101112 $2,500 10'01112 10101/13 $19,000 1 2010 1HD1FHM184B874101 Motorcycle 10101/13 52500 10/01)12 10)01113 Actual Cashi 319,000 165 Harley Da'"idaon Road King Police 10/01/12 52,500 10/01112 10/01/13 $19,000 1 2010 1HD1FHMIXA6874276 Motorcycle 10101/13 02,500 10/01/12 10'01:13 Actual Cashi $19,000 188 Chevrolet impala Police 10/01;12 32,500 10/01/12 10/01/13 $19,225 1 2013 2G1WF5E38D1105091 Private Passenger'10./01113 52,500 10/01/12 10/01113 Actual Cash 518,22E 187 Chevrolet Colorado Truck Codecnforcerent 10/01/12 32,500 10,'01112 10101'13 $18,390 ` 1 2012 1/0CGT8F99C185276 Light Truck 10101/13 32,500 10101112 10/01113 Actual Cashl 518,3E 158 Chevrolet Colorado Truck CodeENfcroement 10/01/12 52,500 10/01112 10101/13 518,390 1 2012 1GCGTBF65C8166!24 Light Truck 10/01/13 52,500 10'01112 10/01/13 Actual Cashi 318.390 32 PROPOSED GOVERNMENT CRIME POLICY Insurer: Fidelity&Deposit Company of Maryland A+ XV Type of Form: Employee Theft—Position Schedule Coverage • City Managers Limits of Liability: Limit $1,000,000 Deductible: $5,000 Each Employee Exclusions Include But Are Not Limited To: Acts Committed By Named Insured Acts Learned Of Prior to Policy Period Loss resulting from Confidential Information Governmental Action Indirect Loss Nuclear Hazard Pollution War and Military Action 33 PROPOSED SPONSORED ACTIVITY ACCIDENT POLICY Insurer: One Beacon America Insurance Company A XII Named Insured: City of Sunny Isles Beach Tyne of Form: Sponsored Activity Accident Policy—Premium Basis Per Expiring and Attached Activity and Participant Schedule Please refer to policy for exclusions,terms and conditions Limits of Liability: Accident Medical Expense: Full Excess Rider OLJ8MS/9130MS Maximum Medical Benefit $25,000 Accident Medical Deductible(Corridor) $100 Loss Period Initial treatment received within 90 days of injury Benefit Period Benefits payable for 52 weeks from accident date Accidental Death & Specific Loss Rider 1359MS-EZ Loss of Life Principal Sum $10,000 Single Dismemberment Principal Sum $5,000 Double Dismemberment Principal Sum $10,000 Loss Period Loss within 180 Days of Injury 34 SECTION VII-GENERAL.EXCLUSIONS This Policy does not cover any losses caused in whole or in part by,or relohne in whole or input from the fallowing, • suicide or any attempt at suicide;intentionally self-inflicted Injury or any attempt at intentionally self-inflicted Injury. including,.but mot limited to.any attempt to restrict the flow of oxygen to ike brain for purposes of autoeroticism rr auto-ethic asptr as ion: • illness.disease.or infections of any kind.regardless of how contracted:medical or surgical treatment of illness,disease or infection`;or complications following the surgical treatment of illness_disease or infection:except for Actideatal ingestion of contaminated foods: • COsnretc:ttr,g except for reconstructive surgery that is Medically Necessary sary due to a Covered Injury: • hernia of any kind:hemorrhoids of any hind:Osgood-Schlater's Disease;osreochondrith;appendicitis:osteomyelitis; cardiac disease or conditions.pathological fractures.:congenital wea.kness;detached retina unless caused by,a Covered Injury: or mental disorder or psycholoeical or psychiatric care or treatment Whether or not caused by a Covered Accident: • war.or any act of war,whether declared or undeclared: • involvement in any ripe of active military service; • reatmear provided in a governmeats.t Hospital unless the Insured Person is legally obligated to pay such damages: • any Injury for Rich the Insured Person is entitled to benefits pursuant to any Workers'Compensaion Law or other simian leOslaticm: • any Injury for which the Insured Person is emitted to recover benefits home thud party; • the Insured Person betnt under the influence of intoxicants or drugs, unless taken under the advice and in accordance with the directions of a Physician operating within the scope of his or her authority. The Insured Person is conclusively deemed to be under the influence of intoxicants if the Level of alcohol in his or her blood exceeds she amount at which a person is presumed,under the Law of the locale in which the Accident ocataed,to be under die influence of alcohol if operating a motor vehicle.regardless of whether he or she is in fact operating a'motor vehicle when the Injury occurs.A n autopsy report from a licensed medical examiner,law enforcement of✓rec reports, or similar items will be considered proof of the Insured Person's intoxication.: • participation in the commission or attempted commission of a crime any felony,an assault,insurection or riot;or any Injury resulting from a provoked snack.; • a cardiovascular lar event or stroke caused by exertion prior to or at the same time as au Accident • air travel,except as a fare paying passenger on a scheduled commercial flight • participation in any of the following activities:. skydiving hang gliding parachuting parasailing :automobile racing or stunts bnrtgee-jumping scuba dieing anti kting motorcycle racing or'runts endurance tests fire fighting racing acrobatic or sums flying extreme sport somas hunting Eight on a rocket-rrapelle.d or rocket launched aircraft: • riding in or on.entering into or alighting from,or being struck by a two(2)or three(3)-wheeled motor vehicle or a motor vehicle not deuieed prirn3:ily.for use on public sneers and highways. 35 PROPOSED MARINE HULL POLICY Insurer: RLI Insurance Company Named Insured: City of Sunny Isles Beach Type of Form: Marine Hull Limits of Liability: $ 160,000 The Grey Pearl—2006 25' Commander Coverage Limits must be ultimately chosen by the Insured. We as Agents cannot recommend the adequate limit of protection. Higher limits may be available. Please let us know if a quote is desired. Coverage Terms and Conditions: Covered Losses American Institute Hull Clauses(All Risks) including theft of entire vessel,subject to policy exclusions. Valuation Agreed Value Deductible o $2,500 All perils per occurrence Exclusions Exclusions include, but are not limited to,the following: War and Terrorism Radioactive Contamination U.S. Economic&Trade Sanctions Absolute Silica Mold,Mildew, Fungus Chemical, Biological, Bio-Chemical &Electromagnetic Pollution, Asbestos Navigation Warranty Atlantic Intracoastal Waterway& Beach Front Waters of South Florida 36 PROPOSED WORKERS' COMPENSATION COVERAGE Insurer: Preferred Governmental Insurance Trust Not Rated by A.M. Best Classifications& Exposures: Subject To Audit Gla sfication Code No Gross-Payrolls -._- Rate --__:Pr_emium Bus Co Emp&Drivers :: 7382 224,400 5.42 $12,162.00 PoliceOf ,cers/Dicxvkrs:'- 7720 3,724,754 4.21 $156,812.00 8810 3,003,556 .27 $8,110.00 ▪A▪ ttorney-All Empl 8820 282,596 _ .20 $565.00 Bl-dgs-Owner-1 essee 9015 827,978 4.53 $37,507.00 Park NOC ° . _ 9102 1,383,645 4.11 $56,868.00 StreetClean ng&Oriv 9402 50,391 7.94 $4,001.00 MunicipalityNOC 9410 632,304 2.87 $18,147.00 Manual Premium $294,169.00 , Standard Limits of Liability $100,000/$500,000/$100,000 - Included Increased Limits of Liability $1,000,000/$1,000,000/$1,000,000 $ __ 1800 Workplace Safety Program Credit 2% .($ Drug-free Workplace Program Credit 5% ($:__1.4,915.00) Experience Modification 1.00 $0 Standard Premium $277,704.00 Standard Discount (3-26,071.00 Schedule Adjustment - ($114,251.04 Certified Acts of Terrorism _ 3 = 2,0360 Expense Constant = 2041W Total Premium ;• $143,608:00: Workers Compensation Premiums Reflect 01/01/12 Average Rate Increase of 12.2 % Deductible: $2,500.00 Per Claim Terms & Conditions Including But Not Limited To: • Members are required to maintain valid and current certificates of workers' compensation Insurance on all work performed by persons other than its employees • Safety and Drug Free program credits are subject to program requirements • Payrolls are subject to final audit • Quotation is subject to receipt of the PGIT WC application and signed Drug Free and Safety applications 37 NATIONAL COUNCIL ON COMPENSATION INSURANCE,INC. 06-FL-2004 ITEM 06-FL-2004—FLORIDA DRUG-FREE WORKPLACE PREMIUM CREDIT PROGRAM NOTICE TO EMPLOYER: If you have a Drug-Free Workplace Program established and maintained in accordance with Florida law,and you would like to apply for the 5%premium credit that is available,please complete:this>form and forward it to your insurer. Re-certification is required annually. APPLICATION FOR DRUG-FREE WORKPLACE PREMIUM CREDIT PROGRAM Name of Employer: Date Program Implemented: Testing: Procedures for drug testing have been established and/or drug testing has been conducted in the following areas: _Job Applicant _Routine fitness for duty Reasonable suspicion _Follow-up testing to Employee Assistant Program Notice of Employer's Drug Testing Policy: _Copy to all employees prior to testing _Show notice of drug testing on vacancy announcements Posted on employer's premises Copies available in personnel office or other suitable locations Copy to job applicants prior to testing No notice required because the employer had a drug testing program in place prior to July I, 1990 General notice given 60 days prior to testing Education: Resource file on providers _Employee Assistance Program Education Name of Medical Review Officer: A.Name of approved Agency for Health Care Administration Lab or United States Department of Health and Human Services Certified Laboratory: B.Phone No: C. Address: Your certification:is.subject to_physical verification by:the insurer- Your oli_cy is subject to additional premium for reimbursement of premium credit and cancellation provisiotts of the polio if it=als determined that you misrepresented your compliance with Florida law. Any person who knowingly and with intent to injure,defraud or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree. Employer Name Date Officer/Owner Signature" Title *Application must be signed by an officer or owner. THE ABOVE SIGNED CERTIFIES THAT THIS INFORMATION IS A TRUE AND FACTUAL DEPICTION OF THEIR CURRENT PROGRAM. Notary Public's Signature Date Expiration of Commission (NC3010) Form 09-01 C 2004 National Council on Compensation Insurance,Inc. 38 CERTIFICATION OF EMPLOYER WORKPLACE SAFETY PROGRAM CREDIT Employer Name: Name of Contact Person: Telephone#: Policy#: Effective Date of Policy; I am submitting a copy of my workplace safety program that meets the requirements of Section 440.1025,Florida Statutes. I certify that this safety program has been implemented in my workplace and is being maintained as submitted to my carrier. This is to certify that my workplace safety program meets or exceeds the following provisions as provided for in Section 440.1025,Florida Statutes: 1) Written safety policy and safety rules 5)First aid 2) Safety inspections 6)Accident investigation 3)Preventative maintenance 7)Necessary record keeping 4) Safety training The workplace safety program and application I am submitting for the purpose of obtaining a premium credit do not contain any misleading or untrue information. I am aware that I may be subject to an on-site inspection by my carrier,for the purpose of validating the accuracy of this information. I am aware that if I knowingly and willfully falsify or conceal a material fact, make a false, fictitious or fraudulent statement or representation; or make or use any false document knowing the document to contain any false, fictitious or fraudulent entry or statement to my carrier of workers compensation under Section 442,Florida Statutes,I will be guilty of a misdemeanor of the second degree,punishable as provided in sections 775.082 or 775.083,Florida Statutes,and will be subject further to a penalty in the amount of$500 a day,not to exceed $50,000 for each occurrence; and I am aware that if I, in any matter within the jurisdiction of the division,knowingly and willingly falsify or conceal a material fact,make any false,fictitious or fraudulent statement or representation,or make or use any false document,knowing the same to contain any false,fictitious,or fraudulent entry,that I commit a misdemeanor of the second degree,punishable as provided in sections 775.082 pr 775.083,Florida Statutes. Moreover,I understand that an employer who commits such an act will be subject further to a penalty in the amount of$500 a day,not to exceed $50,000 for each occurrence. Any person who knowingly and with intent to injure,defraud or deceive any insurer files a statement of claim or an application containing any false, incomplete,or misleading information is guilty of a felony of the third degree. State of Florida County of Sworn to, or affirmed, and subscribed before me (Signature) this day of 20 ,by (Print Name and Title) (Date) (Signature of Notary) (Expiration Date and Number) (NC 3011) Form SAFETY 0-3 CO 1994-2004 National Council on Compensation Insurance,Inc. 39 i:: i SUMMARY OF PROPOSED PREMIUMS Premiums as Proposed: Expiring Renewal Property Premium $250,206.00 $271,148.00 Taxes&Surcharges N/A N/A Total ' $• 250,206.00. $271,148.00 Liability Coverage—Includes Premium $131,310.00 $182,506.00 • General Liability Taxes&Surcharges N/A N/A • Law Enforcement Total $• 131,310.00. $182,506.00 • Public Officials • Employment Practices Automobile Premium $ 79,474.00 $ 84,872.00 Taxes&Surcharges N/A N/A Total $ 79,474.00 $ 84,872.00 ii Inland Marine Premium $ 21,867.00 $ 8,839.00 Taxes&Surcharges N/A N/A Total $ 21,867.00 $ 8,839.00. Crime/Fidelity Premium S 1,634.00 $ 1,650.00 Taxes&Surcharges N/A N/A Total $• 1,634.00. $ 1,650.00 Workers' Compensation Premium $136,429.00 $143,608.00 Taxes&Surcharges N/A N/A Total $136,429.00 $143,608.00 Government Crime Premium $ 707.00 $ 750.00 Taxes&Surcharges N/A N/A Total $ 707.00 $ 750.00 Marine Hull Premium $ 3,000.00 $ 3,000.00 Taxes&Surcharges $ 39.00 $ 39.00 Total $ 3,039.00 $ 3,039.00 h. gi ■ Sponsored Student Activity Premium $ 9,925.75 *$ 5,823.35 *Premium shown is based upon expiring Taxes&Surcharges $ 35.00 $ 35.00 participant number and classification Total $ 9,960.75 *$ 5,858.35. Flood— 18070 Collins Avenue $ 1,365.00 $ 1,475.00 Flood— 18115 N Bay Road South $ 2,001.00 $ 2,137.00 GYM • Flood— 18115 N Bay Road South $ 2,516.00 $ 2,648.00 Community Center TOTAL $639,801.75 $707,780.35 • Expiring Premium reflects annualized premiums on any midterm policy changes 40 SUMMARY OF PROPOSED PREMIUMS Exposure Changes Law Enforcement Liability—Full Time Officers Increased From 41,I'to S1 Commercial Automobile Vehicle Units Increased From 161 to 168 Payment Option: Commercial Package: Agency Bill: 50%Down Payment and Two additional installments of 25% Workers Compensation Direct Bill: 25%Down & 9 Equal Installments A 25% Minimum Earned Premium applies to the following policies: Commercial Package Policy Quotation is Subject To: • Signed PGIT WC application, Drug Free& Safety Applications • Initialed and signed PGIT POL/EPLI application • Signed applications (Florida Fraud Statement) • Signed UM form • Latest audited financials • Signed signature page Quotation is valid for 30 days or until the effective date of the policy. This proposal is based upon the exposures to loss made known to the Agency, and is for illustration only. Any changes in these exposures (i.e., new operations,new products,additional states of hire, etc.) need to be promptly reported to us in order that proper coverage(s) may be put into place. All physical exposures insured by our policies must be owned by the named insured. This proposal contains only a general description of the coverage(s) and does not constitute a policy/contract. For complete policy information, including exclusions, limitations,and conditions,refer to the policy document. This proposal contains only a general description of the coverage(s) and does not constitute a policy/contract. For complete policy information, including exclusions,limitations,and conditions,refer to the policy document. This proposal is based upon the exposures to loss made known to the Agency. Any changes in these exposures (i.e., new operations,new products, additional states of hire, etc.)need to be promptly reported to us in order that property coverage(s)may be put into place. 41 DEDUCTIBLE OPTIONS Public Officials and Employment Practices: Increase Per Claim deductible to $10,000—Annual Premium Reduction of$12,942.00 Increase Per Claim deductible to $15,000—Annual Premium Reduction of$19,406.00 General Liability: Increase per occurrence deductible to $5,000—Annual Premium Reduction of$5,200.00 General Liability Loss Data: 2009-2010—Applicable claim history$15,000.00 2010-2011 —Applicable claim history$5,000.00 2011-2012—Applicable claim history$5,000.00 Automobile Liability: Increase per occurrence deductible to $5,000.00—Annual Premium Reduction of$5,600.00 2009-2010—Applicable claim history$9,360.00 2010-2011 —Applicable claim history$17,517.00 2011-2012—Applicable claim history$ 9,927.00 42 A.M. BEST RATING OF PROPOSED COMPANIES COMPANY COVERAGE BEST RATING ADMITTED Preferred Governmental Insurance Property Not Rated Yes Trust General Liability Law Enforcement Public Officials Employment Practices Automobile Inland Marine Workers Compensation Fidelity &Deposit Ins. Of Maryland Crime A+ XV Yes OneBeacon America Insurance Co. Sponsored Student Accident A XII Yes Hartford Insurance Co. of the Midwest Flood A+ XV Yes RLI Insurance Co. Marine Hull A+ XI Yes GENERAL RATING These rating classifications reflect BEST's opinion of the relative position of each company in comparison with others,based upon averages within the Property-Casualty insurance industry.They are reflective of overall company services and standing within the industry. A++,A+*** Superior B,B-*** Good A,A-*** Excellent C++,C+*** Fair B++,B+** Very Good C,C-*** Marginal NR Not Rated FINANCIAL SIZE CATEGORY The Financial Size Category is an indication of the size of an Insurer and is based on reported Policyholders' surplus plus conditional or Technical Reserve Funds,such as mandatory securities valuation reserve,other investment and operating contingency funds and/or miscellaneous voluntary reserves reported as liabilities. ($In thousands) Class I $ Up to $ 1,000 Class II $ 1,000 To $ 2,000 Class III $ 2,000 To $ 5,000 Class IV $ 5,000 To $ 10,000 Class V $ 10,000 To $ 25,000 Class VI $ 25,000 To $ 50,000 Class VII $ 50,000 To $ 100,000 Class VIII $ 100,000 To $ 250,000 Class IX $ 250,000 To $ 500,000 Class X $ 500,000 To $ 750,000 Class XI $ 750,000 To $ 1,000,000 Class XII $ 1,000,000 To $ 1,250,000 Class XIII $ 1,250,000 To $ 1,500,000 Class XIV $ 1,500,000 To $ 2,000,000 Class XV $ 2,000,000 To $ More This information has been provided to you so that consideration is given to the financial condition of our proposed carriers.The financial information disclosed is the most recent available to us. 43 COMPENSATION In addition to the commission or fees received by us for assistance with the placement, servicing, claims handling, or renewal of your insurance coverage's, other parties, such as excess and surplus lines brokers, wholesale brokers,reinsurance intermediaries, underwriting managers and similar parties, some of which may be owned in whole or in part by Brown & Brown, Inc., may also receive compensation for their role in providing insurance products or services to you pursuant to their separate contracts with insurance or reinsurance carriers. Additionally, it is possible that we, or our corporate parents or affiliates, may receive contingent payments or allowances from insurers based on factors which are not client-specific, such as the performance and/or size of an overall book of business produced with an insurer. We generally do not know if such a contingent payment will be made by a particular insurer, or the amount of any such contingent payments, until the underwriting year is closed. That compensation is partially derived from your premium dollars, after being combined (or "pooled") with the premium dollars of other insureds that have purchased similar types of coverage. We may also receive invitations to programs sponsored and paid for by insurance carriers to inform brokers regarding their products and services, including possible participation in company- sponsored events such as trips, seminars, and advisory council meetings, based upon the total volume of business placed with the carrier you select. We may, on occasion, receive loans or credit from insurance companies. Additionally, in the ordinary course of business, we may receive and retain interest on premiums you pay from the date we receive them until the date the premiums are remitted to the insurance company or intermediary. In the event that we assist with placement and other details of arranging for the financing of your insurance premium,we may also receive a fee from the premium finance company. Wholesale Broker: Public Risk Underwriters This intermediary is owned in whole or part by Brown&Brown,Inc.,the parent company of Brown&Brown of Florida, Inc. — Miami Division. Brown & Brown entities operate independently and are not required to utilize other companies owned by Brown& Brown, Inc., but routinely do so. In addition to providing access to the insurance company, the Wholesale Insurance Broker may provide additional services including,but not Iimited to: underwriting; loss control; risk placement; coverage review; claims coordination with insurance company; and policy issuance. Compensation paid for those services may be up to 15% of the premium you pay for coverage,and any compensation paid for those services is derived from your premium payment. If we are being compensated based upon a fixed dollar amount or fixed percentage fee, meaning that the contract specifies our compensation and states anywhere in the document that additional compensation will not be paid to us or any other party, any additional compensation to us or any other party, including wholesale brokers or third party intermediaries, is strictly prohibited. Likewise, if our contract sets compensation based upon a fixed dollar amount or fixed percentage fee, and the contract specifies that additional compensation shall be credited to the insured, any additional compensation to any party, including brokers,wholesale brokers or third party intermediaries, must be promptly returned to you. If our contract is not based upon such fixed fee terms, no owned or affiliated party, including brokers,wholesale brokers or third party intermediaries,may accept any type of compensation without full disclosure by the undersigned broker to you of the dollar amount or percentage of compensation prior to binding your coverage. Should you have any questions,or require any additional information,please contact this office at 1-800-889-0799 or if you prefer,submit your question or request online at www.bbinsurance.com/customerinquiry.shtml 44 COMPENSATION In addition to the commission or fees received by us for assistance with the placement, servicing, claims handling, or renewal of your insurance coverage's, other parties, such as excess and surplus lines brokers, wholesale brokers, reinsurance intermediaries, underwriting managers and similar parties, some of which may be owned in whole or in part by Brown & Brown, Inc., may also receive compensation for their role in providing insurance products or services to you pursuant to their separate contracts with insurance or reinsurance carriers. Additionally, it is possible that we, or our corporate parents or affiliates, may receive contingent payments or allowances from insurers based on factors which are not client-specific, such as the performance and/or size of an overall book of business produced with an insurer. We generally do not know if such a contingent payment will be made by a particular insurer, or the amount of any such contingent payments, until the underwriting year is closed. That compensation is partially derived from your premium dollars, after being combined (or "pooled") with the premium dollars of other insureds that have purchased similar types of coverage. We may also receive invitations to programs sponsored and paid for by insurance carriers to inform brokers regarding their products and services, including possible participation in company- sponsored events such as trips, seminars, and advisory council meetings, based upon the total volume of business placed with the carrier you select. We may, on occasion, receive loans or credit from insurance companies. Additionally, in the ordinary course of business, we may receive and retain interest on premiums you pay from the date we receive them until the date the premiums are remitted to the insurance company or intermediary. In the event that we assist with placement and other details of arranging for the financing of your insurance premium,we may also receive a fee from the premium finance company. Wholesale Broker: Britt Paulk Underwriters This intermediary is not owned in whole or part by Brown & Brown, Inc., the parent company of Brown & Brown of Florida, Inc.—Miami Division. Brown&Brown entities operate independently and are not required to utilize other companies owned by Brown & Brown, Inc., but routinely do so. In addition to providing access to the insurance company, the Wholesale Insurance Broker may provide additional services including, but not limited to: underwriting; loss control; risk placement; coverage review; claims coordination with insurance company; and policy issuance. Compensation paid for those services may be up to 15% of the premium you pay for coverage, and any compensation paid for those services is derived from your premium payment. If we are being compensated based upon a fixed dollar amount or fixed percentage fee, meaning that the contract specifies our compensation and states anywhere in the document that additional compensation will not be paid to us or any other party, any additional compensation to us or any other party, including wholesale brokers or third party intermediaries, is strictly prohibited. Likewise, if our contract sets compensation based upon a fixed dollar amount or fixed percentage fee, and the contract specifies that additional compensation shall be credited to the insured,any additional compensation to any party, including brokers,wholesale brokers or third party intermediaries, must be promptly returned to you. If our contract is not based upon such fixed fee terms, no owned or affiliated party, including brokers, wholesale brokers or third party intermediaries,may accept any type of compensation without full disclosure by the undersigned broker to you of the dollar amount or percentage of compensation prior to binding your coverage. Should you have any questions,or require any additional information,please contact this office at 1-800-889-0799 or if you prefer,submit your question or request online at www.bbinsurance.com/customerinquiry.shtml 45 PROPOSAL VARIANCE Changes that need to be made prior to binding: 46 MINIMUM AND DEPOSIT PREMIUM MINIMUM EARNED PREMIUM The following terms are often misunderstood, particularly among insureds or producers not accustomed to dealing with surplus lines insurance companies. It is important that the definitions are understood. MINIMUM AND DEPOSIT This is the amount of premium due at inception. Although the policy is subject to adjustment based on a rate per exposure unit, under no circumstances will the annual earned premium be less than the minimum premium. Therefore, the policy may generate an additional premium on audit,but not a return. If such a policy is cancelled mid-term, the earned premium is the GREATER of the annual minimum times the short rate or pro-rata factor, or the actual earned as determined by audit, subject to a short rate penalty if applicable. MINIMUM EARNED PREMIUM A minimum earned premium endorsement can be attached to either a flat charge policy or an adjustable policy. In either case, this amount is the LEAST that will be retained by the insurance company once the policy goes into effect. The amount retained would be the GREATER of the annual earned premium whether calculated on a pro-rate or short rate basis, or the minimum earned premium. FLAT CANCELLATIONS Surplus lines insurance companies normally do not allow flat cancellations. Once the policy is in effect, some premium will be earned. If you need further explanation,please do not hesitate to contact us. 47 CLAIM REPORTING GUIDELINES Make Brown & Brown, Inc. aware of any and all incidents immediately after they occur,whether it be an auto accident, a theft, slip&fall,even a minor incident that appears will have no future activity. Do not wait for a police report. Gather as much concrete information as possible. For example,police reports,company incident reports, conversation logs,medicals and pictures- anything that may assist in the handling of your claim. Send this information either by mail, e-mail or fax to: Brown & Brown of Florida,Inc.—Miami Division Alexandra Sarria,Commercial Claim Specialist 14900 NW 79 Court,Suite 200 Miami Lakes, FL 33016 Phone: (305) 364-7812 Fax: (305)714-4401 E-Mail: ASarrial @bbmia.com If you have any questions or incur any problems,please contact our office and we will be glad to assist you in any way we can. 48 DEFINITIONS PROPERTY DEFINITION S Coinsurance Most building and business personal property policies have a coinsurance clause, which requires the insured to carry insurance equal to at least a specified percentage of the actual cash value of the property. If a loss occurs, and it is determined that the amount of insurance carried is less than the amount required,a penalty could be placed on the insured. (Example Attached) Agreed Value When the agreed value option is used the coinsurance requirement is removed and the insurer agrees to cover losses for its agreed value. As an example, the insured has property insured for $100,000 and the agreed value is also $100,000, if a loss occurs, any loss up to $100,000 is covered 100%. When this option is used the insured and the insurance company agree on the value of the property before the policy is issued. This option is usually assigned to one-of-a-kind property. Replacement Property can be valued in several different ways. Insurance companies commonly Cost& Actual use two approaches to determine value, which also determines how a loss will be Cash Value paid: the replacement cost method and the actual cash value method. Insurers consider replacement cost of a property item to be the cost to replace it with new property of like kind. Actual cash value is replacement cost, minus the accumulated depreciation for age and condition. Inflation Guard An insured can insure a building for its full value at the beginning of the policy year, but at the end of the year, it might not be covered for its full value. This problem can be corrected by adding inflation guard coverage. With inflation guard, the policy limit increases gradually during the policy term so that the total increase amounts to the desired percentage increase at the end of the policy term. Coverage In addition to the limits stated in the Building and Personal Property coverage Extensions & form, the policy has a coverage extensions section and an additional coverages Additional section. The coverage extensions section provides limited coverage for newly Coverages acquired or constructed property, property of others, certain out door property, and the cost of research and reconstruct information on destroyed records. When coverage is placed on the all risk form, two additional extensions are added for property in transit and coverage for certain repair costs related to damage caused by water. The two additional extensions are covered by certain perils only. The additional coverage section provides coverage for indirect losses that result from a direct loss. The coverage applies to removal of debris, preservation of property, fire department service charges and pollutant cleanup and removal. The coverage extensions and the additional coverages have limitations and are subject to certain conditions. Basic Form Fire, lightning, explosion, windstorm or hail, smoke that causes sudden and accidental loss or damage, aircraft or vehicles,riot or civil commotion,vandalism, sprinkler leakage, sink hole collapse and volcanic action. Broad Form Fire, lightning, explosion, windstorm or hail, smoke that causes sudden and accidental loss or damage, aircraft or vehicles, riot or civil commotion,vandalism, sprinkler leakage, sink hole collapse, volcanic action, glass breakage, falling objects, weight of snow, ice, or sleet, and water damage (accidental discharge or leakage). Special Form Excluding flood and earthquake. • 50 EQUIPMENT BREAKDOWN DEFINITIONS Definition of Equipment Boiler & Machinery insurance covers direct damage to Breakdown Coverage(Boiler& covered property when caused by a covered cause of loss. Machinery) Covered property is any property that is owned by the named insured or is in the named insured's care, custody or control and for which the named insured is legally liable. A covered cause of loss is a sudden and accidental breakdown of the insured's boiler & machinery equipment or any part of the equipment described in the policy. Expediting Expense Which pays the reasonable extra cost incurred to expedite progress after a loss Automatic Coverage Covers accidents to objects at newly acquired locations for up to ninety days after the named insured acquires the property. 51 GENERAL LIABILITY DEFINITIONS Premises/Operations Coverage is provided for damages arising out of ownership or occupancy of the insured premises when maintained in a reasonable manner. This also covers damages arising out of operations performed by the insured business. Products/Completed Operations Products coverage is provided for damages arising out of products manufactured, sold, handled or distributed by the insured. Completed Operations covers damages occurring after operations have been completed or abandoned, or after an item is installed or built and released for it's intended purpose. Personal Injury Personal Injury means injury other than bodily injury. Coverage is provided for injury resulting from offenses such as false arrest, malicious prosecution, detention or imprisonment, the wrongful entry into, wrongful eviction from and other acts of invasion, or rights of private occupancy of a room. Coverage for libel and slander is also provided in the policy. Advertising Injury This coverage pays for damages done in the course of oral or written advertisement that disparages, libels or slanders a person's or organization's goods, products or services. Coverage for these offenses is provided under advertising injury coverage only if they occur during the course of advertising the named insured's own goods, products or services. Medical Payments Medical Payments coverage pays medical expenses resulting from bodily injury caused by an accident on premises owned or rented by the insured, or locations next to such property, or when caused by the insured's operations. These payments are made without regard to the liability of the insured. Fire Damage The fire damage limit provides coverage for fire damage caused by negligence on the part of the insured to premises rented to the named insured. If a fire occurs because of negligence of the insured and causes damage to property not rented to the insured, coverage would be provided under the occurrence limit. 52 GENERAL LIABILITY DEFINITIONS Continued... Contractual Liability Extends your coverage to liability assumed under contract, applies to both oral and written agreements relating to named insured's business. Host Liquor Liability Covers your exposure for serving liquor to clients or employees at company parties. Applies only to firms not engaged in business of selling or serving alcoholic beverages. Broad Form Property Damage Intended for firms, which perform work or services,rather than sell 1 Coverage or produce products. Usually intended for construction contractors, repairers of automobiles, installers of property. Incidental Medical Malpractice Extends term "bodily injury" to mean injury arising out of rendering of or failure to render,during the policy period; medical, surgical, dental, x-ray, or nursing services,or furnishing of food or beverages in connection therewith or the dispensing or furnishing drugs or medical,dental or surgical supplies Non-Owned Watercraft (Under 26 feet in length) Provides coverage for liability, which Liability Coverage arises from any watercraft as long as watercraft is not owned by insured nor being used to carry persons or property for a fee. Limited Worldwide Coverage Intended to extend the scope of"policy territories" to anywhere in the world. Limited to the activities of any insured who is domiciled in the United States and the original suit for damage is brought within the United States, its territories, possessions, or in Canada. Extended Bodily Injury Amends definition of occurrence to; includes any intentional act by Coverage or at the direction of the insured,which results in bodily injury, but only if such bodily injury results from the use of "reasonable" force for purposes of protecting persons or property. Newly Acquired Organizations Automatic protection for newly acquired organizations until the new organizations is specifically added to the policy or 90 days, whichever occurs first. Additional Persons Insured Includes as insureds; (1) Any spouse of a partner concerning business activities of the partnership and (2) any employee of the named insured while acting within the scope of his or her duties. Does not apply to bodily injury or personal injury sustained by a fellow employee which occurs during the course of employment. Claims Made Form Only This coverage is provided automatically without an additional premium charge if coverage is canceled, not renewed, or the insurer renewal with a later retroactive date. The basic extended reporting period starts at the end of the policy period and last for five years for claims made against the insured within the five year period and reported to the insurer within 60 days after the end of the policy period. 53 UNDERSTANDING THE CLAIMS-MADE POLICY The claims-made insurance policy provides financial protection for all claims presented during the current policy year,providing the claim occurred after the prior acts date. To understand the claims-made policy,we will define: Current Policy Year: The policy year begins on the effective date shown on the policy and expires on the expiration date all shown on the policy. The policy's effective and expiration dates change with yearly renewal of the policy. The prior acts or retroactive date remains the same, so you are protected for incidents that occurred prior years by the current policy. Prior Acts or Retroactive Date: This is the date (shown on your policy) that dictates if a claim is eligible to be covered. Any claim occurring after this date, presented during the current policy year, are eligible for coverage by your current policy. Supplemental Extended Reporting Period (Tail Coverage): Should the policy be canceled or non-renewed, you are entitled to purchase insurance protection for any claims which may be after the cancellation date. The premium charged for this insurance is based upon the number of years you have been insured (prior acts years) and the limits purchased. 54 AUTOMOBILE DEFINITIONS Liability Coverage The liability coverage of the commercial auto policy provides protection against legal liability arising out of the ownership, maintenance, or use of any insured automobile. The insuring agreement agrees to pay damages for bodily injury or property damage ' for which the insured is legally responsible because of an automobile accident resulting from the ownership, maintenance, or use of a covered auto. The insuring agreement also states that in addition to the payment of damages for which the insured is legally liable,the insurer also agrees to defend the insured for all legal defense cost. The defense cost is in addition to the policy limits. Owned Automobiles Covers the liability arising out of the ownership,maintenance or use of automobiles. Personal Injury Coverage is included for vehicle passengers under No-Fault Law Protections provisions. Medical Payments The insuring agreement states that the insurer will pay all reasonable Coverage and necessary medical and funeral expenses incurred by an insured because of bodily injury caused by an accident. The insured is the named insured, the insured's employees and guests, and any other person occupying a covered auto. These payments are made without regard to fault. Uninsured/Underinsur Protects insureds who are not contributorily negligent against bodily ed Motorists injury caused by negligent under insured or uninsured drivers and hit- and- run motorists. Hired Automobiles Covers the liability for the use of hired automobiles in your business. Non-Owned Covers the liability for the use of non-owned automobiles in your Automobiles business. An example would be an employee using his own car on an errand for you. Comprehensive Pays for loss of or damage to automobiles from perils other than collision. Collision Pays for loss of or damage to automobiles from collision with another object or upset. Rental The business auto policy provides a coverage extension if an auto is Reimbursement insured for comprehensive or specified cause of loss coverage, which insures against loss of use of a covered auto only if the auto is a private passenger type auto and is stolen. The coverage extension pays up to a daily limit of $10 and a maximum limit of $300. Payments begin forty-eight hours after the theft and ends when the insured auto is returned or when the insurer has paid the insured for the auto. For broader coverage, the insured can pay an additional premium for rental reimbursement coverage. Rental reimbursement pays the cost of renting a substitute auto for replacement of any covered auto that has suffered a covered loss. The daily and maximum limit for this coverage varies among insurers. 55 COVERED AUTO DESIGNATION SYMBOLS 1 Any "Auto" 6 Owned "autos" subject to a compulsory uninsured motorists law. Only those "autos"you own that because of the law in the state where they are licensed or principally garaged are required to have and cannot reject Uninsured Motorists coverage. This includes those "autos" you acquire ownership of after the policy begins provided they are subject to the same state uninsured motorists requirement. 2 Owned "autos" only. Only those 7 Specifically Described "autos". Only autos you own (and for liability those autos described in ITEM THREE coverage any trailers you don't own of the Declarations for which a while attached to power units you premium charge is shown (and for own.) This includes those "autos" liability coverage any "trailers" you you acquire ownership of after the don't own while attached to any power policy begins. unit described in ITEM THREE.) 3 Owned Private Passenger "Autos" 8 Hired "Autos" Only. Only those autos Only. Only the private passenger you lease, hire, rent or borrow. This "autos" you own. This includes does not include any "auto" you lease, those private passenger "autos" you hire, rent or borrow from any of your acquire ownership of after the policy employees or partners or members of begins. their households. 4 Owned "Autos" other than private 9 Non-Owned "Autos" Only. Only those passenger "autos" only. Only those "autos"you do not own,lease,hire, rent autos you own that are not of the or borrow that are used in connection private passenger type (and for with your business. This includes liability coverage any "trailers" you "autos" owned by your employees or don't own while attached to power partners or members of their households units you own.) This includes those but only while used in your business or autos not of the private passenger your personal affairs. type you acquire ownership of after the policy begins. 5 Owned "Autos' subject to No-Fault. Only those "autos" you own that are required to have No-Fault benefits in the state where they are licensed or principally garaged. This includes those "autos" you acquire ownership of after the policy begins provided they are required to have No-Fault benefits in the state where they are licensed or principally garaged. 56 CRIME DEFINITIONS Employee Dishonesty Employee dishonesty is considered to be a criminal act committed by an employee acting alone or in collusion with others. There must be intent by the employee to cause the employer a loss and to obtain a financial benefit for the employee or someone else. Coverage is provided for dishonest acts of employees of the named insured only. Coverage insures against loss of money, securities, and property other than money and securities. The blanket form provides coverage for dishonest acts of all employees. The limit for blanket coverage applies per loss, regardless of how many employees are involved. The scheduled form provides coverage only for the dishonest acts of employees specifically listed in the policy. On the scheduled form, a separate limit applies to each employee listed on the schedule. Forgery or Alteration Forgery is generating a document or signature that is not genuine. Alteration is changing a document in a manner that is neither authorized nor intended. This form insures against loss caused by the forgery or alteration of a covered item drawn against the insured's accounts. A covered item might be a check, draft, promissory note, bill of exchange or similar instrument. Theft, Disappearance & Theft means any act of stealing. Destruction Disappearance is unknown causes of loss. Disappearance lacks the elements of knowing if the crime was a theft, burglary or robbery. Destruction is the loss of certain property, it is usually the result of another cause of loss. Section (1) of the form covers money and securities against loss by theft, disappearance, or destruction inside the premises. Section (2) covers money and securities outside the premises in care and custody of a manager. 57 WORKERS' COMPENSATION DEFINITIONS Workers' This coverage agreement obligates the insurer to pay all compensation and Compensation other benefits required of the insured by the workers compensation law or Insurance occupational disease law of any state listed in the policy. The coverage applies to bodily injury by accident and by disease. Coverage (A) shows no dollar limit for the benefits provided since any applicable limits would be those established within the law. Benefits under Coverage (A)are paid to the employee without retard to fault. Employers' This coverage protects employers for their legal liability for bodily injury by Liability accident or disease to an employee arising out of and in the course of the employee's employment when not covered under the workers compensation law. Before benefits are paid under this coverage, the employee must prove the employer is liable for the injury. 1. Bodily Injury By Accident This amount is the most an insurer will pay under Coverage (B) for all claims arising from any one accident, regardless of how many employees are involved in the accident. The standard limit is $100,000 for any one accident, which can be increased. 2. Bodily Injury By Disease (Policy Limit) This is the aggregate limit the insurer will pay under Coverage (B) for all claims sustaining bodily injury by disease during the policy period. The standard policy limit is $500,000, which can be increased. 3. Bodily Injury By Disease (Each Employee) This amount is the most an insurer will pay under Coverage (B) for damages due to bodily injury by disease to any one employee. The standard limit of liability for each employee is $100.000,which can be increased. Officer/Partner In some states, workers compensation law allows an insured to include or Exclusion exclude Executive Officers and Partners, or both, from coverage. Adding this endorsement can designate the individuals not covered under the policy. Experience This is a factor that deals with the rating of the policy. The Experience Modification Modification figure is based on the insured's loss experience. The factor is used to increase or decrease the manual rates of insurance. Other States This provides workers compensation coverages if the insured expands Insurance operations into other states not declared at the time the policy is issued or renewed. If the insured elects this coverage and operations begin in a state listed under other states, the insurer provides the same coverage as if the state was declared in the policy at the time of policy issuance. USL&H This is a federal act, which is similar to the state workers compensation act. The federal act was designed to provide workers compensation benefits to employees who work in maritime employment upon the navigable waters of the United States and who are usually considered outside the scope of state workers compensation laws. When the USL&HWA endorsement is added to the standard policy it applies to work done in the states scheduled on the policy and extends the definition of the workers compensation law to include the USL&HWA. 58 NOTICE OF CARRIER FINANCIAL STATUS Brown&Brown of Florida Inc., and its parent company,Brown & Brown, Inc. (collectively "Brown& Brown")do not certify,warrant or guarantee the financial soundness or stability of any insurance carrier or alternative risk transfer entity. We endeavored to place your coverage with an insurance carrier with an A.M. Best Company financial rating of"A-"or better.* While Brown&Brown cannot certify,warrant or guarantee the financial soundness or stability of a company or otherwise predict whether the financial condition of a company might improve or deteriorate, we are hereby providing you with notice and disclosure of financial condition so that you can make an informed decision regarding the placement of insurance coverage. Accordingly,this will serve as notice of the following with regard to the placement of the insurance indicated below and with regard to any subsequent renewal of such insurance: • Brown&Brown attempted to present other options for your insurance placement, including quotations with insurance carriers holding an"A-" or better rating from A.M. Best Company, but we were unable to secure such a quote/you have elected to decline these options. • Insurance coverage is being placed through Preferred Governmental Insurance Trust, which is currently not rated by A.M. Best Company. • The financial condition of insurance companies may change rapidly and that such changes are beyond the control of Brown& Brown. • You have had the ability to review the financial information for this carrier as found in one or more of the following sources: a state department of insurance website,A.M. Best Company website, carrier or a carrier website. • You have had an opportunity to consider the information provided regarding your insurance quote and insurance placement and review it with your accountants, legal counsel and advisors. Named Insured: City of Sunny Isles Beach Policy Number: TBD Policy Period: 10/01/12— 10/01/13 Date of Notice: 09/13/2012 * A.M.Best Rating Guide: Rating for Stability: A++ to D=Highest to lowest rating Rating for Assets/ Surplus: 15 to 1 -Largest to smallest rating 59 PREFERRED GOVERNMENTAL INSURANCE TRUST DISCLAIMER We appreciate the opportunity to assist with your insurance needs. Information concerning additional compensation paid to other entities for this placement and related services appears below. Please do not hesitate to contact us if any additional information is required. Our office is owned by Brown& Brown, Inc. Brown& Brown entities operate independently and are not required to utilize other companies owned by Brown& Brown, Inc.,but routinely do so. For the 2005-2006 policy year your insurance was placed with Preferred Governmental Insurance Trust(PGIT). PGIT is an insurance trust formed by Florida public entities through an Interlocal Agreement for the purpose of providing its members with an array of insurance coverages and services. PGIT has contracted with entities owned by Brown&Brown, Inc.to perform various services. As explained below, those Brown & Brown entities are compensated for their services. PGIT has contracted with Public Risk Underwriters(PRU), a company owned by Brown& Brown, Inc., to administer PGIT's operations. The administrative services provided by PRU to PGIT include: • Underwriting • Coverage review • Marketing • PoIicy Review • Accounting • Issuance of PGIT Coverage Agreements • PGIT Member Liaison • Risk Assessment and Control Pursuant to its contract with PGIT,PRU receives an administration fee, based on the size and complexity of the account,of up to 12.5%of the premium you pay to PGIT.PRU may also receive commissions from insurance companies with whom it places your coverage,which commissions are derived from the premium you pay to PGIT. Multiple underwriters may be involved in the placement of your coverage. If so, they also may be compensated for their services from the premium you pay to PGIT. PGIT has also contracted with Preferred Governmental Claims Solutions(PGCS), a company owned by Brown&Brown, Inc., for purposes of administering the claims of PGIT members. The services provided by PGCS to PGIT may include: • Claims Liaison with Insurance Company • Claims Liaison with PGIT Members • Claims Adjustment 60 Pursuant to its contract with PGIT,PGCS receives a claims administration fee for those accounts which PGCS services of up to 5%of the nonproperty portion of the premiums you pay to PGIT. PGIT also utilizes wholesale insurance brokers, some of which(such as Peachtree Special Risk Brokers and MacDuff Underwriters) are owned by Brown& Brown, Inc.,for the placement of PGIT's insurance policies, and for individual risk placements for some PGIT members (excess and surplus lines,professional liability coverage,etc.)The wholesale insurance broker may provide the following services: • Risk Placement • Coverage review • Claims Liaison with Insurance Company • Policy Review • Current Market Intelligence The wholesale insurance broker's compensation is derived from your premium, and is largely dictated by the insurance company. It typically ranges between 10%and 17%of the premiums you pay to PGIT for your coverage. Some wholesale brokers used by Brown to place your coverage may also act as Managing General Agents for various insurance companies, and may be compensated directly by those insurance companies for their services in placing and maintaining coverage with those particular companies. The wholesale insurance brokerage utilized in the placement of your property insurance was [INSERT NAME OF BROKER: e.g.- Peachtree Special Risk Brokers],which is a company owned by Brown&Brown,Inc. Furthermore, any professional liability coverage afforded by the package of insurance you purchased was acquired through Brown& Brown Public Entity Services (BBPES),which is also a company affiliated with Brown &Brown,Inc. 61 Insurance Coverage Review Insured: City of Sunny Isles Beach Policy Term Date: 10/01/12—10/01/13 Correction: Addl Named Insured:. Please advise if quotations for increased limits of liability or for any coverage listed below are requested: E=Exposure;C=Coverage through Brown&Brown;Q=Quote for Uncovered Exposure £ C Q E C Q PROPERTY Y/N YIN YIN LIABILITY YIN Y/N YIN Buildings General Liability Business Personal Property Directors'&Officers'Liability Personal Property of Others E Commerce/E-Business Liability Tenants Betterments&Improvements Employee Benefits Liability Business Income Liquor Liability Extra Expense Employment Related Practices Liability Leaseholders Interests Third Party Discrimination Boiler&Machinery(Equipment Breakdown) Errors or Omissions Liability Building Ordinance or Law Owners/Contractors Prot Liability A.Loss to Undamaged Portion of Bldg Pollution Liability (10 Party) B. Demolition Cost Pollution Liability(3rd Party) C. Increased Cost of Construction Products Liability Earthquake Product Recall Rental Income Professional Liability Difference in Condition Warehouse Legal Liability Flood (Primary) Watercraft Liability Flood(Excess) Umbrella/Excess Liability Wind INLAND MARINE Off Premises Power Interruption Accounts Receivable Overhead Transmission Lines Valuable Papers Glass Bailee Coverage Spoilage Computer/EDP AUTOMOBILE Contractors Equipment Auto Liability Signs Auto Physical Damaage Drive Other Car Liability Installation Floater Drive Other Car Physical Damage Mobile Equipment , - Hired/Non Owned Liability Rented/Leased Equipment Hired Car Physical Damage Motor Truck Cargo PIP:Ext Additional,Broad Transit/Transportation Rental Reimbursement(PPT) Builders Risk/COC Rental Reimbursement(Com.Vehicle) Ocean Cargo Uninsured Motorist (Primary) WORKERS' COMPENSATION Uninsured Motorist(Excess) Workers Compensation Garage Liability _ Other States Garage keepers Liability USL&H Garage Dealers Physical Damage Jones Act Truckers Liability Stop Gap Liability Un-laden Liability Excess Employers Liability , Y Truckers Physical Damage AIRCRAFT Trailer Interchange Aviation—Owned CRIME Aviation-Non-Owned Employee Dishonesty(1st Party) MISCELLANEOUS Employee Dishonesty(3rd Party) _ International/Foreign Exposures . ERISA Bond Kidnap&Ransom Forgery or Alteration Travel Accident Fiduciary Liability Credit Insurance Money&Securities Mold/Fungi BONDS EIFS Bonds Terrorism (describe) Subsidence This list of insurance coverage is for information purposes only and is not meant to be a complete list for all your insurance needs. The above analysis is based solely on information provided by the client. Insured Representative Date-Place Completed with Insured Brown&Brown Representative Signature Comments:(may be continued on reverse) Prepared by Brown&Brown Insurance—Rev 01.01.11 Preview Page 1 of 3 A , City of Sunny Isles Beach �/ \n 18070 Collins Avenue IT Sunny Isles Beach,Florida 33160 '9'.,+'* V. SS (305)947-0606 City Hall `'r,0, s u h ''*'° (305)949-3113 Fax MEMORANDUM TO: The Honorable Mayor and City Commission FROM: Yael Y. Londono,Acting HR Manager DATE: 9/20/2012 RE: Renewal of Property, Casualty, Auto, Workers Comp Insurance with Brown & Brown/Preferred Government Insurance Trust(PGIT) RECOMMENDATION: It is recommended that the City Commission approve the attached resolution to renew the City's Property,Casualty,Auto, and Workers Compensation insurance with the Preferred Government Insurance Trust (PGIT) for the period of October 1,2012 through September 30,2013 in an amount not to exceed$721,783. REASONS: The renewal premium for the Commercial Package Policy (Property, Liability, and Auto) is $547,365 which is $64,508 or 13.36% more than last year ($482,857). The renewal premium for Workers Compensation is $143,608 which is $7,179 or 5.26% more than last year ($136,429). The contributing factor for the premium increase is the claims experience in the Public Officials and Employment Practices Liability Insurance. Insurance Premium Summary FY FY 10/1/11-12 10/1/12-13 Difference Percentage Insurance Coverage Property,Inland Marine&Crime 250,206 271,148 20,942 8.37% General Liability 69,040 69,040 0 0.00% Law Enforcement Liability 36,059 41,175 5,116 14.19% http://sibagenda.sibfl.net/agenda/Preview.aspx?ItemID=879&MeetinglD=O&MeetingDate... 9/13/2012 Preview Page 2 of 3 Public Official Liability/EPLI 26,211 72,291 46,080 175.80% Automobile Liability/Physical Damage 79,474 84,872 5,398 6.79% Workers'Compensation 136,429 143,608 7,179 5.26% Government Crime 707 750 43 6.08% Marine Hull 3,039 3,039 0 0.00% Sponsored Student Activity 9,961 5,859 -4,102 -41.18% Total Annual Premium $611,126 $691,782 $80,656 Workers Compensation Deductibles Budget ACTUAL FY 10/1/11-12 10/1/12-13 Deductibles paid to PGIT @ 2,500 per claim 25,000 30,000 Total 25,000 30,000 Overall Total Total Annual Premium 691,782 Total Deductibles 30,000 Total 721,783 The insurance renewal review team (comprised of members of the Finance Department and Human Resources Department) worked closely with Brown & Brown (Robert Hollander) to review possible courses of action to reduce premiums to include increasing our deductibles in certain coverage and the feasibility of self-insurance in areas that we as a City have had good claims experience.The team unanimously agreed that renewal with PGIT with the coverage and terms indicated is our best,most cost effective,option. http://sibagenda.sibfl.net/agenda/Preview.aspx?ItemID=879&MeetinglD=O&MeetingDate... 9/13/2012 Preview Page 3 of 3 In sum,staff recommends renewal of the Brown&Brown/Preferred Governmental Insurance Trust (PGIT) proposal for the Package Policy and Workers Compensation and miscellaneous insurances as attached. ADDITIONAL INFORMATION: The City currently has Commercial Insurance Package (Property, Casualty, and Auto) and Workers' Compensation insurance through PGIT which is a premier insurance organization for public entities and is a non-assessable Trust approved by the Florida State Legislature. The PGIT board of trustees has elected to purchase an extremely conservative excess of loss insurance structure which provides PGIT members several levels of protection that reinsurance does not. PGIT's excess of loss policies list every individual member a named insured, giving every member direct access to the insurance company for payment of claims. Public Risk Underwriters (PRU),which is a premier insurance service organization for public entities and is part of Brown &Brown,is the underwriting group that tailors customized insurance services and products for the City. The City has had a Commercial Package Policy (Property, Casualty, and Auto) and Workers Compensation insurance coverage with PGIT since October 1, 2003. Previous to this date, from July 1, 2001 through October 1, 2003, insurance coverage was split between First Specialty Insurance for Property and Coregis FUNDING SOURCE: Funding is available in the 533 (Insurance) accounts for the Commercial Package Policy and funding is available in each department's 5240(Workers Comp)account for the Workers Compensation Policy. ATTACHMENTS: • Resolution • Insurance Proposal 4 4 http://sibagenda.sibfl.net/agenda/Preview.aspx?ItemID=879&MeetinglD=O&MeetingDate... 9/13/2012