WORKER'S COMPENSATION, PROPERTY, GENERAL LIABILITY

T H E CITY OF PLEASANT LIVING

To:

FROM:

DATE :

SUBJECT:

BACKGROUND:

CITY OF SOUTH MIAMI

OFFICE OF THE CITY MANAGER INTER-OFFICE MEMORANDUM

The Ho no rable M ayor & M embers of the City Commi ssio n

Steven Alexander, City Manager

Agenda Item No. : '3 September 15, 201 5

WORKER'S COMPENSATION, PROPERTY, GENERAL LIABILITY, AUTOMOBILE,

PUBLIC OFFICIALS AND EMPLOYMENT PRACTICES INSURANCE

The City solicited and received proposals for the City's Workers'

Compensation, Property, General Liability Automobile, Public Officials

and Employment Practices Insurance coverage for FY 2015-2016 from

carriers currently writing municipal business in South Florida. The

following table summarizes the responses received.

FMIT INSURANCE DESCRIPTION

Property Coverage

Inland Marine

Equipment Breakdown Coverage

Crime and Borid Coverage

General Liability Coverage

Police Professional Liability Coverage

Automobile Coverage

FMIT Property. Auto and General Liability SubTotal

Workers Compensation

FMIT Total Premium

FMIT

$142,150

Included . Included

Included

$59,575

$156,330 $93,098

$451.153

$186,124

$637,277

(7) SouthlMiami

THE CITY OF PLEASANT LIVING

CITY OF SOUTH MIAMI OFFICE OF THE CITY MANAGER INTER-OFFICE MEMORANDUM

PGIT INSURANCE DESCRIPTION

Property Coverage

Inland Marine

Equipment Breakdown Coverage

Crime and Bond Coverage

General Liability Coverage

Police Professional Liability Coverage

Automobile Coverage

PGIT Property, Auto and General Liability SubTotal

Workers Compensation

PGIT Total Premium

PGIT

$120,049

$836

Included

$750

$88,993

$66,022

$123,238

$399.888

$188,764

$588,652

PUBLIC OFFICIALS & EMPLOYMENT PRACTICES LIABILITY

In addition to the package quotations summarized above, the City

received an independent quote for its Public Officials & Employment

Practices Liability coverage, Both FMIT and PGIT declined to quote this

line of coverage,

ACE American Insurance Description

Total Premium

Limit of Liability $1,000,000

Deductible/SIR Each Claim:

Public Officials/Public Entity Liability - $100,000

Employment Practices Liability - $150,000

Zoning Claims - $250,000

$50,887


CITY OF SOUTH MIAMI OFFICE OF THE CITY MANAGER INTER-OFFICE MEMORANDUM

Recommendation:

Workers' Compensation Policy

After further negotiations within the last week, we were able to reduce the original FMIT proposal by $13,455. The City Manager recommends that the City renew its Workers' Compensation policy with FMIT for a total premium of $186,124. The City continues to receive the company's preferred rating because of the continuing coverage, including a 5% credit for its Drug Free Work Place policy and an additional 2% credit for its newly created Safety Policy. This year's renewal represents a decrease of approximately 13% over last year's premium.

Property, General Liability and Automobile Insurance

The City Manager recommends that the City renew its policy with PGIT for its Property, General Liability and Automobile Insurance coverage for a total premium of $399,888. This represents an increase of approximately 3.8% over last year's premium. This increase is largely attributable to the addition of several new vehicles to the City's inventory. As set forth above, the PGIT proposal contains the most favorable rates for these lines of coverage and offers a two year rate guarantee.

Public Officials and Employment Practices Liability

The City Manager further recommends that the City renew its policy with ACE American Insurance Company for the Public Officials and Employment Practices Liability policy for a premium of $50,887.


AMOUNT:

AnACHMENTS:

Cil" OF SOUTH MIAMI OFFICE OF THE CITY MANAGER INTER-OFFICE MEMORANDUM

The breakdown of the total premium costs for all lines of insurance is set forth below:

FMIT WORKERS' COMPENSATION

PGIT GENERAL liABILITY, PROPERTY & AUTOMOBILE

ACE PUBLIC OFFICIALS AND EMPLOYMENT PRACTICES

TOTAL PREMIUM

Proposed Resolutions Proposal Package from FMIT Proposal Package from Brown & Brown

Actual FY 2014-2015

$214,533

$385,086

$49,136

$648,755

Proposed FY 2015-2016

$186,124

$399,888

$50,887

$636,899

1 RESOLUTION NO. ____ _

2 A Resolution authorizing the City Manager to purchase Public Officials and

3 Employment Practices Liability Insurance.

4 WHEREAS, the City, through its Agent of Record, Brown & Brown, solicited insurance

5 quotes for Public Officials and Employment Practices Liability Insurance.

6 WHEREAS The City received a renewal quote from ACE for the continuation of the

7 existing coverage, but received no other proposals for the necessary coverage

8 WHEREAS, the City Administration recommends that the City renew its coverage

9 with ACE for Public Officials and Employment Practices Liability Insurance for the 2015-2016

10 Fiscal Year based upon the current proposal;

11 NOW THEREFORE BE IT RESOLVED BY THE MAYOR AND CITY

12 COMMISSION OF THE CITY OF SOUTH MIAMI, FLORIDA THAT:

13 Section I. The City Commission hereby authorizes the City Manager to execute the

14 insurance policy for Public Officials and Employment Practices Liability Insurance with

15 ACE for the 2015-2016 Fiscal Year.

16 Section 3. This resolution shall take effect immediately upon adoption.

17 PASSED AND ADOPTED this __ day of ____ , 2015. 18 19 20 ATTEST: APPROVED: 21 22 23 24 CITY CLERK MAYOR 25 26 27 READ AND APPROVED AS TO FORM, COMMISSION VOTE: 28 LANGUAGE, LEGALITY AND 29 EXECUTION THEREOF: Mayor Stoddard: 30 Vice Mayor Harris: 31 Commissioner Welsh: 32 Commissioner Liebman: 33 CITY ATTORNEY Commissioner Edmond 34

INSURANCE PROPOSAL SUBMITTED ESPECIALLY FOR:

CITY OF SOUTH MIAMI

POLICY TERM:

1010 1!l5 TO 1010 I 116

DATE OF PRESENTATION:

09/14/15

PRESENTED By:

ROBERT HOLLANDER

EXECUTIVE VICE PRESIDENT

BROWN & BROWN - MIAMI DIVISION

1

INTRODUCTION

We would like to take the opportunity to thank you for allowing us to work closely

with you in our effort to develop a comprehensive Risk Solution Program for your

business. Brown & Brown, Inc. is the largest independent agency organization in

Florida and the 6th largest in the US. 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 12 Billion annually and has in excess of 6,500 employees.

We have insurance professionals who specialize in evaluating and protecting

your personal assets - home, auto, watercraft and life.

We also have an experienced employee benefits department who can assist you

with group health, disability, life and dental.

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 capabilities.

Please feel free to visit our website at www.bbinsurance.com

This proposal contains only a general description of the coverage(s) and does not constitute a policy or contract. Please refer to your policy for the actual terms and conditions. In the event of a difference, the policy will prevail. Policy forms are available upon request. This Proposal is based upon the

exposures made known to this Agency; any changes in these exposures should be reported promptly to Brown & Brown of Florida, Inc.

2

ACCOUNT SERVICING TEAM

Robert Hollander Executive Vice President

305-364-7818 [email protected]

Nancye Batista, AAI Account Manager


Alexandra Sarria Claims Representative

305- 364-7812 asarria1 @bbmia.com

Jessica Urbina Account Manager Associate


I INSURANCEJ

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

T ABLE OF CONTENTS

I. Marketing Efforts

II. Schedule of Named Insureds

III. Coverage Sections

o Property

o Inland Marine

o Crime

o Commercial General Liability

o Law Enforcement

o Commercial Automobile

o Public OfficiallEmployment Practices Liability

IV. Summary

V. Illustrations and Definitions

4

SCHEDULE OF NAMED INSUREDS

City of South Miami

This list includes all of the named insured's 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

Location of Premises:

Per Schedule Attached

Description of Property:

Blanket Building & Contents Limit, per attached schedule $22,690,710

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 negate the coverage afforded by your property policy.

Description of Coverages Proposed:

Policy Form:

Building & Personal Property Coverage Form - Special

Causes of Loss:

Special Form: Excluding EarthquakelEarth Movement

Coinsurance:

Building & Personal Property: NI A

Valuation:

Replacement Cost

Flood Limit:

Per Occurrence and Aggregate: $1,000,000 Excess of NFIP Whether Purchased or Not

6

PROPOSED PROPERTY COVERAGE Continued

Property Extensions of Coverage:

For a full description of terms, definitions and conditions, please refer to the policy documents.

Accounts Receivable Additional Expense Animals Loss of Business Income Debris Removal Demolition, Ordinance and ICC Expediting Expense Fire Department Charges Fungus Cleanup Expense Lawns, Plants, Trees and Shrubs New Locations Personal Property of Employees Pollution Cleanup Expense Preservation of Property Recertification Service Interruption Coverage Transit Errors and Omissions Vehicle Property Coverage

7

Coverage

$ 250,000 $ 100,000 $ 1,0001$5,000 $ 500,000 $ 250,000 $ 500,000 $ 55,000 $ 25,000 $10,0001$20,000 $ 25,000 $ 2,000,000 $25,0001$50,000 $25,0001$50,000 $ 250,000 $ 10,000 $ 100,000 $ 250,000 $ 250,000 $ 0

PROPOSED PROPERTY COVERAGE Continued ...

Deductible:

All Other Perils:

Named Windstorm:

Flood:

Coverage Enhancements:

Boiler & Machinery

$ 2,500 Per Occurrence - Building & Contents and Extensions of Coverage

5% Per Occurrence - Subject to $15,000 Minimum

$2,500 Per Flood except zones A, V excess of NFIP, whether purchased or not

$22,690,710

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:

• Earthquake/Earth Movement • Terrorism • Electronic Data • Electronic Date Recognition • Asbestos • Pollution • Fungus • War, Nuclear • Ordinance or Law - Limited per Extensions of Coverage

Note: The PGIT property program is a shared limit. The limits purchased are a per occurrence limit and in the event an occurrence exhausts 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.

8

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 Oed. 2% Oed. 3% Oed. 5% Oed.

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.

9

SCHEDULE OF COVERED PROPERTY

unit • D@"..cnpt'lon YeN Bult t:n. Date I Bullmng Value I Total Insured Value

A.ddrl!'S~ ComtType Term Date- I Contllmt Value I

Roof shape I Rtlof Pitch Roof COYE-r.tg I Covennt Rept.ced I Roof Yr" 81t

AlIto InspKtion Station ."" IO/OIl20n \",00< 00. S'K)7 S.W. 70th Street '4<,00<

SOUTH MIAMI, Fl nHl 10101/2017 ~ 111 • M.NC

fI" I flat Tar.md onveol I I eM heild stMt center "70 10/01/2015. $471,20:

002 6125 SW 68 $llI:fET $"76,68 SOUTH MIAMI, f1... ]]1-43 10/0112017 $5,43

In ·JM

fI" I "" Built up roofw/out qrilVE't I Pu~K works Office Building " .. 10/01/20150 $281,200

003 ",7'); S. W. 75th Avenue 5218,51 SOUTH MIAMI, Fll1H3 10101/2017 $7,11

11' . JM Hip I low « 10) Tilr and Orilvet I I

StoraogelMotor Pool Office .... 10fOIl20!5- '",''''' 004 '1J"j5 S.W. 75th Avenue \",00< SOUTH MIAMI, Fl ]]1-4]

131· fR 10/0112017 SO

"" I "" 8uiLt-upTar a ora\'el I I sot)d Waste Bldg • 50 Say shop ,,'" 10/01 non $1S5,25C

00. 'Ins S.W. 7&th Avenue $1II5,2S SOUTH MIAMI, n ]]Hl 10/01/2017 SO

152· He shod I Low « 10) Tar and Gravt!'!. I I

City Gafitlle 1"" 10/0112015 "","" 00. 47't5 S. VI. 75th Avenue \".,50< SOUTH MlMlI, fl.)}, .. ) 10101/2011 I<

111 - M.HC

flot I lOw « 10) Tar and Growe( I I City's Repair Shop 10/0112015 \",00<

007 4715 S-.w. nth Avenue $122,26 SOUTH MJAMI, n. 3lHl 10/0112011 $5',26

11' . 1M.

unknown I .... ,"'"' "",,,,,~ I I petiee stora;e I3td!J " ... 1010112015 \18,""

00. .f7't5 S.W. 15th Avenue \11,"" SOUTH MIAMI, fl.. llHl

In-JM 10/0112.017 I<

flot 1 "0< 8uiLt-upn,.aoravel J I Dante 8. fascei.l PariO T@MisproShop8: Restroom a1dg U67 1010112015 $",.~

00. WlO REO ROAO $'5,88 SOUTH MIAMI, Ft. HI .. ) 10/0112017 I<

131-fR

flo< I Flo< 8uiLt-up Tilt 8: Oravel I I Dante B. fasceU Part • 2. Gazebos 10l011l0n \65,_

••• S600 REO ROAD '65,00< SO SOUTH M.LU.II, n. 11'43 10/01/2017

152· He PyramMi I Me<fium (IO to 30) Asphalt Shingle I I

10

unit.

011

012

Oil

0.1

015

016

017

0 ..

019

020

SCHEDULE OF COVERED PROPERTY Continued

I)er..cnptlon Y~M 8tJl t ro. Dolte- Buildl .. ViA ue I Term O~te I I Address

Const Type Contents Value

Roof Shape I Roof PJtch Roof Ca.-eons I CGyerml Replued

Dante B. f'asee" pari; ·6 HMTru TeMls. Courts ($1),500 10/0112015 $123,5-00 r_.A~.' 'A~I,,""""\ 8600 REO ROAD

$0 SOUTH IN.AMI, Fl J3Hl 10/0llZ017 1~2' NC

H/A I HfA H/A I Dante B. Facsell Park I Playground ($6,500 Contents 1010112015 \'04,000 '_',,~ .. n 8600 RED ROAD SOUTH 1.4UMI, FLH141 10/0112017 It

l02·PITO HfA I HfA HfA I

Dante B. f'ilSceU Part .. 2 Racquetball courts 10/0112015 $28,665 8600 RED ROAD

SOOTH MIAMI, Fl BHl 10/01/2017 " 111" MHC HfA I HfA HfA I

Dante e. fa;ce41 Park .. 1 Bastetbalt Court 10/0112015 \13,<><>< &600 RED ROAD

\( SOUTH MIAMI, FL ]]I<f) 1010112017 l11-MHC

HfA I HfA HfA I Dante B. Fascell .. 1 Tiki HUt 10/01 nOt5 \'0,0<1(

&600 REO ROAD SOUTH MIAMI, fL HI-43 10/0112017 $0

11' .. JM unknown I U~nown ""''''''On I

Dante 8. F~ ComlTMmlty Storage ,'67 10/0H2015 \63,00< 8600 RED ROAD

500nt MlAMt, F1. J1Hl 10/01/2017 '0 111 " FlI

flat I Flo< Built-up Till 8: urilvet 1

F'uctu Part Pavilion (~O Contents InciJ.Jd@d) ..... 1010112015 $31,000 6 .... 5 5'N 81 5TREET

$<,'" 50UTH MIAMI, FLJl113 10/0112011 101· Ff4lI1\le

Hip I Medium (10 to Ja) A.<phalt 5hingte5 I Fuch5 part . Bathroom IOJOl120n \",000 6145 5'N 81 S~EET 50UTH MlAMI, FL lJ113

,,, • JM. 10/01/2017 $0

Flat I fI,. ..oM ... I fuchs pari!. Pti.ygroood Ii Swlng s.ts 10/0112015 S70,76 6145 SW 81 5~EET

\0 SOUTH MlAMI, fL 1111) 1010112017 11" JM

HI> I HfA "fA I Palmet'" P<1ik - Fietd Storaljl!' Buildtnt IOn 10/0112015 $45,WO

6445 SW815TREET SOUTH MIAMI, FL 3)1'4) 10/0112017 ,

1'52 - tiC

flat I flo< BUllt-up Till 8: uril\'el T

11

Total Insured Vahle

I Roof Yr slt

$123,50(

I $10of,00l

I $28,66

I

'",OO<

I "0,00<

T $6],00

T $35,5'5

I '0<,00<

I $70,76

I $4'5,500

I

IJnk •

.11

.n

.23

.14

."

.,.

.27

OIl

.29

0'.


Deunpnon YNI Built En_ Date BullUlns value

Address conn Type Term !nIte I contetm- Vatue I

Roof Shape I Root """ Roof (ov~-nr~ I Cmrenrrg ReploKed

palmer p;wi( Football 5to~e steig "77 10/0112015 \1S,OOC 6101 5W 67TH AVENUE SOUTH MIAMI, fill ... ) 10/0112017 \",7~

tn-JM

"ot 1 FIn IMtt-upTM a Gr.tvel I P4lLm~ park FootbalL Storii!oE! Room 1'1'j~ 10/0111015 $H,OOC 6101 SW 67T11A.VENUE SOUTH MIAMI, Fl HH) 10/01/2017 \",50<

",}. JM

Flat I "', I!lrilt-up Tar a (ira ... e! I PlItm@f pm fietd 110Uie 1m 10/0112015 $115,62. 6100 SW 67TH AVEHUE SO\.1TH INJ>HII, FL nHl

"'·JM 10/0112017 $9,H

Hip I Low « 10) AspNtt 5hin!le I Palmer Pal'fl; Playground

10/0112015 \26,00< 6701 'WI 67TH AVENUE SOUTH MIAMI, f1...l}1<11 10/0112017 ~

101· PITO

"" I HIA HIA I Palmer Part. I 1200 FT of SFT High Fence 10/0112015 113,000 6701 SW 67TH AVENUE SOUTH WAMI, Fl HHl 10/01/2017 \0

tal-pno

"/A I HIA H/A I Palmer ParK - 1000 FT OT 10fT Hli" Fence 10/0112015 \16,>00 6701 SW 67TH A.VENUE SOUTH MIAMI, n llHl 10/0112017 \0

102 - PITO HIA I HIA HIA I

Pillmer Park - Roestroom etdg 1m 10/0112015 ''',600 6701 5W 67TH AVENUE SOUTH MIAMI, fl. HHJ 10/0112011 ~

1" - JM Flat I FIn BulLt-upT.,. 8; Gr..vel I

Pillmer PM); - concession BWI 1m lG/Gl/20IS \"',00( 6701 WI 67TH AVENUE SOOTH J.U"-MI, fl. J]I4]

11') - JM 1010"2017 ~

FIn 1 FIn euitt-up TM 8; Gr..~·el I off"x:e I Police substAtion 2000 10/0112015 " 6900 SW 5nl1 Pu.cE SOUTH ~A.MI, FL J1H3

11') - JM 10/0112017 \28,.~

Flot I FI .. Buitt-up TM a Orilvel I erewer Pilrk - 2 lGcquetball CDWts 10/0112015 $2.8,66! 6300 5W S6TH STREET SOUTH MIAMI, n :nUl 10/01/2017 " 11') - JM

'fA I HIA H/A I

12

Toullnrure4 Value

I Roof Yr Bit

$120-,71

I $52,50(

I $12-4,76

I \2',00<

I \1),00<

1 $16,'()(

1 $''',601

I \",00<

1 $21,66

I $21,66

I

unit •

."

."

."

...

."

."

.37

.11

."

...


o.~cnptTOil YeN BUlt En. Dilte eUl1dml Value I ..... "" Term Date I contenn Value I Const Type Roof Sh.llpe Roof PItch RoofCove-rq I Covennl R~laced

Brew« park - 1/2 8ilSketbai Court. 10/0112015 \13,000 6300 SW f.6TH STREET SOUTH MIAMI, Fl }lHJ 10/01/2011 \e

II"· JM

"/A I "/A HI. I Br@"W@f park - PlaytTomci and 5Wing ~-et 101Dl/l015 S:H,12 6300 ';'IN 56TH s.T~ET SOIITH AoUAMI, flll141 10/01/2017 \.

152· He

"/A I "/A HIA I Brewer- Park - 1 Te-Mis court.( 1010112015 N,OOO 6300 SW 56TH STREET 5-OUTH MIAMI, n ]]14)

11'Jo· JM 10101/2011 \

"/A I HIA HIA I BreVloW pm -"'160fT of 10fT High fence 10/01/2015 \7,8" 6300 SW %TH STREET SOUTH 1.UAM1, fllll"'l)

102 • PITa 10/01/2017 \0

"/A I "'A "fA I BrewN Pm· 360fT of Sf! High fence IO/DIIlOn \),>OC

6300 SW 56TH HREET 50l1TH MIAMI, Fl nl41 10/D1/2017 \

102· PITO

"fA I HfA "fA I lNXTay pal'll. • :z :,.n;J.0i!' :structures

10/0112015 \2,00< 5800 sw 66 STREET SOOTH MIAMI, n 311-1-1 1010112017 \

1" - JM HfA I "'A H" I

M.urTay Park I community center "a'S IO/Ol/20n "60,00< 6701 SW 58 PUCE SOUTH »lAM1, fL 3]14) 10/0112017 \

III-MHC

pyumid I M@(jium (10 to 10) _I I Hop@ l!Iuti@f Arti\,ty (@f\ter

"85 10/01/2015 $271,6St: 6701 sw ~ PLACE 500TH MiAMI, FL 33141

11't· JM 10/0112017 ~

P'jram'id I ~m{10to30) Mota! I or-rllCe/Polic@ subsution 10/0112015 \0 ~'H5 sultSrr ORI'IIE SOUTH JW.MI, fL 3)141

11't- JM 10/0112017 $3.2,.-.00

unknmm I _O~

Uri<no~ I City Haiti Potic@ ,,% 10/01/2015 $3,83't,'KlCI 6130 AAfSET ORNE SOUTH M.lJ.MI, FL Jl143 10101 (2017 \"",m

11't - JM F!at I Flat !SUItt-UP TM & o,.. ... et I 2000

13

Totallnrured value

I Roof Yr 81t

\13,00<

I $1-4,12 •

I \<2,00<

I \7,&00

I \J,""

I \2,00<

I \J60,OO<

I $271,68

I S12,5IX

I $4,215,17

I

unit •

04'

04'

01)

044

045

04.

04'

04.

04.

OSO


De-scnptlOf1 Year i8ulu; UT. Dillte 5uiIOlng V<lIIIJE'

AddI"@l;',; (OMt Type Term Dilte I Contents Value I

Roaf-Shape I Roof Pitch Roof COYfftn[I I COYef1ng Replaud

siLVii M.artin Bldg '''' 1010112015 S'UO,,8(J

6130 SUt6ET ORNE SOUTH WAMI, FL llHl 1010112017 \",'00

",. JM Hip I Medium (IOto )0) Asph.alt ShingLe I 2000

50uth Miami Comm (enter I Oym 2003 IO/OIIlOn $3,21B,%( 5&00 WI 66 STREET SOUTH tlJAMI, flUH) 10-/0112017 \3"',""

111 - MtK: Flot I f\ilt BlJiLt-up Tar 8; Or.lY@( I 2003

Jean vliUis Puk , oazebo 10/011Z01S \",'"

12:10 SW 615T COURT SOOTH 1AlAM1, FL nH)

101 - Frame 10/0112017 \

Pyramid I Medium (10to JO) ~tShingle I MarhsaU Wiltiamron park I Gazebo

1010112015 \",'" 6121 sw 68 STREET SOOT11 MIAMI, FL 13"41

152 - NC 1010112017 \0

PyTamid I uN;nown ASphalt Shingle I MMstJal WiUiamson Park I Pla~roond and swing Set 10/01/2015 \31,"" 6121 SW 68 S.TREET SOOTH 1.(1.6.10\1, f1. })11] 10/0112017 \0

102 - PITO HIA I HIA HIA I

Mannill W1mam~n Park I ll1eflcnes 10/01120150 SI,I](

6121 SOW 68 STREET S01JTlt I.I.UJoII, FL 11143 1010112017 \0

101· PITO HIA I HIA MIA I

IAatsbaU WilLivnsoo Pm • 2 TeN'Ils. Court.> 10/01/ZOtS 1",00< 6121 SW 68 STREET SOOTH MlAMJ, Ft.l]14] 10/01/2017 \0

111·lANe HIA I HIA HIA I

All America Park. , 3 Pknk Tab(~ 10/0112015 \','"

6810 SW 64 AVENUE SOOTH I.IJAMI, Ft.ll14)

102. - PITO 1010112017 \0

HIA I "'A HIA I Girt SCout Property

"" 10101/2015 \23','" 660'1 SW 60 STREET SOOTH f.UAM1, Ft.lll .. 3 10/0112011 \0

11') - JM ,"p I Medium (10 to 10) Asphatt Shinsle I

Parking Oara§e 1000 10101/20115- '53,4).';,15-2(1 6.81') s. W. 1) Street SOOTH MlAMI, Ft.ll14] 10/0112011 \0

131· fR FIAt I Flot Concret@TIle I

14

Total Insured Value

I Roof Yr IUt

$476,11.8

I

$1,608,56

I $''i',5()(

I $65,00<

I $32,,0(

I $1,17

I \52,00<

I \',00<

I $214,0I!i

I SIl,OS,~l

I

unit •

0 ..

"",

..,

"".

"'"

...

."

.. ,

.,.

•••


Dl"Knptlon YNI" BuIlt Eft. Date I BUIlding Value I Address conn TYJM!'

norm Date I Contents vatue I Roof 5hape I Roof Pit<h Roof cOYefVII I covenrlj Replaced

Dison PaJi( - Picnic Table 10/01/201~ $2,,,,,

SW S3TH AVE 8; 5W 80 5T SOUTH MIAMI, Fl.])14) 1010112017 \0

102· PITO

"IA 1 HIA HIA I Dison Park- .. - 10101/2015 1",00< '.i'N SSTH AVE &; 5W 10 ST SOUTH MUMI, Ft 33Hl 10/0112011 I<

152-t4C PyrMnid I Medium (10 to 30) Asphalt Shingle I

MUsbaU WiUiamsoo Pa.rir;H Picnic Tables 1010111015 $3,12: 6121 SW61STREET SOl.lthMiami, n ]314) 10/01/2017 I<

102 - PITO

"'A 1 "'A HIA I POLICE SU8 STATION .... 10/0112015 I< 6n6 SOW ~., pLACE SOUTH MIAMI, F1. 1114]

,,, - JM. 10/0112017 12.,00<

"" 1 Flat Tar and Gra~-e{ I !IUS SHELTER 10/0112015 1"',000 N SIDE OF SUNSET DR I!t APPROX SW 60 AVE SOUTH MIAMI, FL ))H) 10101/2017 \0

152· He unknown I ...... ~~ Unknown I

BUS SHELTER 10/011201fi. 150,OOl N SIDE OF SUNSET DR APPROX 100 FT W OF SW 67,t,VE

\0 SOUTH MIAMI, FL llHJ 10/01/2017 152- tfC

U_ I U"'<nown """,own I BUS SHELTER lO/011l0n I",'" S SIDE OF SUNSET DR APPROX 100FT E OF 'jW 67 AVE "SOUTH MIAMI, Ft. 1lt43 10/0112017 \0

152- He

U"""",,, I UNo:nown Unlnown I BUS SHELTER 10/01/201S I",ooc So SlOE OF SUMSET DR" S MIAMI CITY HAll. 5.ITE (6130 50UTH MIAMI, Ft. ]]14] 10/01/2017 I<

152-tfC Un'mmm I '"""""" Unlnown I

BUS SHELTER 10101l20ts 1"',00< E SID£ OF SW 62 AVE a AJlPROX SW 67 'iT SOUTH MIAMI, Fl ]]14]

152- He 10/0112017 \C

U_ I - """"own I MlJrny Part Pool, $p{~h PooL, Restroom ,." 1010f nOt5 $1,184,<4111 6121 S_ W. 68th Street sooth Min, fL ]]143 10/01/2017 \0 117 - JM

A" I I

15

Totallnrored Value

I ROof Yr Bit

1',00<

I

1",00<

I $cl,12

J 126,0<1<

I 1'0,00<

I 1'.,00<

I 1'.,00<

I 1'.,00<

I $50,00

I $1,38"1,411

I 201<4

unit ,

.. ,

.. , '63

....

.. ,

...

'"

...


Dr..cnptlon Yeal Bul t t.TI. Dolte I Ikmmng ViilltJe

AddrE':i!; urm Diilte-I c:ontentt value I RoofShiilpe I Roof PItch

Con~t Type R~fcovenna I covenna Repl.aced

10)( 10 Tiki HUt 2015 10/0112015- $3,'"

6).B()$W78:m~

south Miiill1i, fL Ino '17· JM

10/0112017 $(

I I Woodf'erKe 2'''' 10/0112015- $1,16 6J.1I0 SW 78 Stfftot south Miiill1i, fL )]14]

102 - PITO 1010111011 \(

I I Mini ~ Waste Station 2015 101011l01S $2H 6}.80 5W 78 Stree-t SOuth Mimi, fL )314] 10/0112017 S.

107.· PITO

I I Wat« fountJin

201' 10/0112015 13,00< 63080 SW 78 Street SOUth Miiill1i, Fl ]]1-4] 2.51 - 1010112.017 $(

I Pump/Lift

I Station

-""" 201' 101011201S $1,01 6).80 SW 78 Streeot

South Miami, Fl ])1"'] 10/0112017 $( 102·PITO

I I DOg Pan: RUles SIgn ,.15 1010112015 $" i!iJ.:80 5W 78 Street SOUth Motami, Fl33143 10/011Z017 $0

102' PITO

I I Dog Play Equipment obstacles ,.15 IO/OlllOtS 13,m 6380SW7as~

south Miiill1i, Fl ))143 10/0112017 $0 102 . PITa

I I wood DOuble o.ate EnCiorure 2015 10/01!2QU- $1,47 6180 SW 78 Street SOuth Mi;i/1li, fl ]]143 10/0112017 $0

102· PITO

I I

Total Insured ViI!ue

I Roof Yr Bit

$3,*

$1,16

$ll

13,00<

$1,01

"

$],31

$",47.

I Total:1 $21,610,363 I $1,OI!O,l-42 I $22,610,710

16

SCHEDULE OF COVERED PROPERTY PROPOSED INLAND MARINE COVERAGE


Description of Property:

Parking Meter Equipment - Blanket Unscheduled Subject to $25,000 Any One Item Excludes Watercraft

Causes of Loss:

Special Form: Excluding Flood and Earthquake

Values of Insurance:

$ 417,896.00

Loss of Use coverage is not automatically included

Valuation:

Actual Cash Value

Deductible:

$1,000

Exclusions Include But Are Not Limited To:

Flood EarthquakelEarth Movement Terrorism Biological or Chemical Materials Electronic Data Electronic Date Recognition Asbestos

17

PROPOSED CRIME COVERAGE


Type of Policy:

Combination Crime

Limits of Coverage:

Employee Dishonesty Inc!. Faithful Performance $ 100,000 Per Loss

Covers loss of money, securities and other property by employee dishonesty at all premises of the insured.

Forgery or Alteration $ 100,000 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.

Computer Fraud Including Funds Transfer Fraud $ 100,000 Covers against theft of money, securities, or property by using a computer to transfer covered property from the insured's premises or bank to another person or place. No coverage is provided for theft of information or for computer vandalism.

Theft Disappearance or Destruction

Other Coverages Available:

D. Robbery and Safe Burglary E. Premises Burglary G. Extortion H. Premises Theft and Robbery Outside 1. Lessees of Safe Deposit Boxes J. Securities Deposited with Others

Deductibles:

Employee Dishonesty Forgery or Alteration Computer Fraud Theft, Disappearance or Destruction

$1,000 $1,000 $1,000 $1,000

18

$ 10,000

PROPOSED GENERAL LIABILITY COVERAGE


Type of Form:

Commercial General Liability - Occurrence Form

Limits of Liability:

Bodily Injury & Property Damage $1,000,000 Each Occurrence Liability

N/A General Aggregate

Products/Completed Operations Included

Personal Injury & Advertising Included Auy One Person or Injury Organization Damage to Premises Included AuyOneFire LeasedlRented to You Bodily Injury and Property N/A Per Occurrence Damage Deductible

Higher Liability Limits may be Available Upon Request

Exposure Basis:

Class Municipality

Basis Payroll

Amount $4,058,046

Be sure to get Certificates of Insurance with "Adequate" Limits and Coverage from Subcontractors, to avoid being charged as though Subcontractors were your Employees.


Herbicide & Pesticide - $1,000,000 Aggregate Limit Sewer Backup and Water Damage Limit - $10,000/$200,000

Exclusions inclnde bnt are not limited to:

• Pollution • Asbestos • Mold • Fungus, Bacteria • Lead • Nuclear • Medical Payments • Liquor Liability • Copyright or Patent Infringement

19

PROPOSED EMPLOYEE BENEFITS LIABILITY COVERAGE


Coverage Form:

Occurrence


$ 1,000,000 N/A

Deductible:

N/A

Per Person Aggregate

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


Type of Form:

Occurrence


Per Person

Per Occurrence

Aggregate

Deductible:

N/A

Exposure Basis:

Class

Law Enforcement

$1,000,000

$1,000,000

N/A

Basis

Number of Officers

21

Amount

45 Full Time o Part Time 2 Volunteers

PROPOSED COMMERCIAL AUTOMOBILE COVERAGE


Limits of Liabilitv:

Bodily Injury & Property Damage Liability $ 1,000,000 Liability Coverage Provided For:

Combined Single Limit Symbol #: 1 Any Auto

Personal Injury Protection (Florida No-Fault)

$ 10,000 Each Person - Symbol #: 5 Owned Auto Subject to No Fault

Medical Payments $ Not Each Person - Symbol Included

Uninsured Motorists Non-Stacked $ Not Per Accident

Physical Damage: * Per Scheduled Vehicles Collision $ Comprehensi ve $

Physical Damage Coverage Provided For:

*AIl New or Replacement Vehicles Must BI Reported Immediately so as to avoid any possible gap iu coverage

Included

1,000 1,000

Deductible Deductible Symbol #: 7 & 8 Scheduled Autos Only and Hired Autos Only

Higher Limits of Liability May Be Available Upon Request

Description of Vehicles:

Please See AttaChed Schedule of Automobiles - 153 Total Units 136 Contain Comprehensive and Collision


• Hired Auto Liability • Non-Owned Auto Liability • Hired Physical Damage

Limit: $75,000 Subject to deductible

NOTE: The vehicles listed on this policy must be owned by, titled to or leased to the Named Insured.

22

VEHICLE SCHEDULE

"0.' Mak. ALEff I~""'~ff T .... .'. V""" .•... QIy Year VlN. v •• "", Ty"" IAL T."" Coli"". I Col' Eft T~OIl ya~::", I APO R,I.

001 SIm """Tn, I 10/01115 ~ ~ , '1jAI1I11 ,><.'$0 , '9.7 1287 T";""·OO I 10/01117 1001117

IIIAI=-002 R""",,, T""k I 10/0111. .. ~ .IMIIIIS ,1010'111 , , ... 7,,2 10/01117 'WU.Il. I '.'>1117

003 Foc. """o,Trud I 10/011,. IIfA 11IMIt11. I 'OIO,"t :·',$01 1 ,." 411 HmyT""" I 10/01/17 WA 1010111. I '001117 NIAI sq

004 Trud .0/01/15 $I'po<! 1OJQtJl5 1·q.vl/!1 .. , 200. .1.020 H.avyT""" I 10/01/17 ",000 • WU1l1, 1 '001117 $39,oo~

005 ~. .0/0111. $',~ '010111' 1'0101/17 , • 1 200' 32<12 ".U1l17 .. .uw '"'"111' 1 .urull" "',""

006 VoIv> WXR64 I .0/0.11. . ,.,~ IIOJU'II. 1 .00.111 ~ 1 2003 G_Truok 10/01117 $',000 '0101115 100.117

00'- T_T""" "'utll' $f.PO<! ~ ItCW'111 I' '$32,~

• 2005 7533 G"""goTruck '0/01117 .. .000 .001117 "',001 ... T"'" C,,,. .01\111 •• $1.000 11);!I!l15 I'I);!I'IIT $32,Il0l: 1 2004 662 Gam.>go T ruok .0/0111 ",_ "WIll' 10)1)1117 .",ooq ... F4 .. ' .1lIlI1I.' ·'$',000 . I tOlOI/I~ .• ' <>.""",,0001 • 2004 674' H",yT""" lM1111 .. , .... '010111' .uru" " ".,oo~

010 T~'''' 101\1111. $1,000. 10101/17. '.' '$Iq,oool

• 2004 1n3 T,~"'· NO lM1'1I7 ",000 '00111' 1001117 "0,001

011 Focd Crow, V.., •• Po';" .MI.II. iliA 1'0/011 •• 'IMI'"T .......... . ......... ~ 1 ••• 7 .063 Pal"" CM .• Ml1I17 NlA '"'"" .. t",""" III,,!

.' 012 3WNCycl. 'MI'". ".PO<! . 1.'OJUlli. '1);!I'/l1 ...... ' p#K 1 2004 4182 .11101117 $'.000

~ .0,".117 Acl .. , C .. ~ $7,'"

01". Ga",,..T""" Noo P""" .01\1.11. .$',000 '!MIlin . . 'm,OOOI 2004 Gam.>go Truck 'Ml1I17 ",000 '0)1).11 Actu., 0"'1 -,,",00'

014 F". Crow, VielDri. Pol", 10)1)111. !$UlOO< ItOJ!lll15 tl);!llll7 ........ <~ • 2005 .,.. PoI'ce CM 'MI.I17 ~ '0101115 '0)1).117 AcI"'O"'1

01' SW"'PH .DIlI.II. Itl);!ltllS '010.111 1'II"I"]j I ".7 2272 , 'Ml1I17 ''''''"I> .001117

~.". 01. Focd Ra_Pd", • '01\1.11. " 'n' • ' •• 7 483 L""tTruck ; .DIlI1I17 .010.11. '0""117 WAI I

017 F". Crow, VielDri. Pol"" , 'MI'". Itl.OiX\ 1'1)101115

= .. c' '1IMl:

I 2005 .247 Pol,,,, CM · .Ml1I.7 $',000 1010111. "',32 01' P'oku, , .WOIlIO ,iliA . .•. .0'$1

1 " .. 5084 L •• tTruok · 'MI'1I7 iliA 'WU11l. NlAI 01. F,," CtoW, V""'ria Po'''' · .1lIlI1I1O I,".PO<! ....• I !010!1'~ ·1);!I'11

'

...·.$.O~

I 2005 024' PaI'ceC" , .MlII17 $1.000 '010111, , '00'117

~ 020 Focd Cco"" V""'ria Pol", 'MllI15 $')lOl 1'1)i1111'~ 1.'~II1!: . .;>. , . 2005 0250 PoI'oo.C" 11l1l11117 ",000. '","lit. '"",1111

021 FO<d Cco"" V""oo Pal", 1 '00111' I~ 111);!11115 I'~'M l,i .. <.'o.i'. ··· .• ;,SIl 1 , ... 7545 PoI<>o CM I·MlIII7 'WU.II. '"",.117 NlAI ~

23

Un •• Ma"

Qty Y.M

022 Foro

1 2005

023 Foro

I ,.'" 024 Foro

1 2005

025 F",.

1 2005

026 F",.

I 2005

027

1 2007

02. Foro

1 , ... 02.

1 2006

030 Foro

1 , ... !." Foro

I 2006

032 FO<d

1 2006

033 Foro

1 I ...

034 F",.

I 2006

035 FO<d

1 I ...

036 FO<d

1 , ... 037 Fo<d

1 2006

036 F",d

1 2006

03" FO<d

I , ... 040 FO<d

I 2006

041 FO<d

2006

042 F",d

1 2006

VlN.

C,.wn Yd.,. 0252

C,.wnVde'.

7547

C,.wn Ydo'.

0253

mo P", ••

030Il

E_'ion

8647

Tr.,,""""

7296

F250P"' ••

1506

Tmh eun.

6936

FI50P ....

1507

8007

3762

2300

3763

2394

e,.wn Violoria

230.

3764

e,.wn Vido'a

3761

VEHICLE SCHEDULE Continued

AL." I~"P'" TI... . •... ~..... I V.hi.leT,.,. 1 AL T.,m con Oed Coil Eft ~coiT ya~,:",~ I AP~

Po'" 10101/151 .• $1.000, 10101/15 1 10101117 .

PoIieeC., 10101/17 $1,000 10101115 '''''''117

Po'" 1 10101/1. /If A lDilli/1. I.DiII1i11 , ". I<

poIie.e., 1'0101/'7 NlA 10,"1/1. 1 10JIIl/17 NI' ~

Po'" 1 IMlII15 $1,001) 1'01011\1 ~19,3:I21 PoIi<» C., 1 10101117 $1,000 10101/15 '''''''117 $1.,321

Po,Iee 1001115 $1,000 '010111. 1 1D;!!1I1l ..... , ·~'oooi PolieeC., 1001/17 $1,000 1001/15 1001/17 $23,OO~

1 1010111. IIDiIII1I7 ·.m;i;OO1

1001/1 ",000

i.i 10101117 022,5.

1001/15 Sl.OOO ~ .....•.. ' $47,0iX

Ga<ba .. T""k 1001117 $1,000

~~ 1 1001/15 . NtA" ·I01OiIt. 110101111

1001117 NlA 1001/15 10101117 NlAI

I 1001115 S''ooo 1010111. 110101117 ." ,"$46.1ll!1 G""'oe T "',' 1001" $1,000 1001/15 10101117 '$4[00

1001115 .... '!IA> .1010111.$ 10101117 '. ' " .. II l"hIT""k 1001117 NlA 10101/15 1001/17 NlAI $I

111/01115 $1,000. 10I011t6 '0I0l/1] ....

l.hIT",,,, 1001117 $1,000 10'"'115 10101117 Aclualea"'l $21.501

Po'" 1001115 $1,000. ~ ~ .• . '·.122.00II

pol •• e .. 1001117 $1,000 Adual e""'l 022.001

Po,,, Il11Dlit' ,.liIA> ~ ~ ." ... '''~~' '~ Poli",C., 1001/17 NJA

Pollee 1001115 ).',\Il10'. ~ 'QIDII'l Actu.,e,,~ poli",e., 1001117 $1,000 10101117

Po'lee 10101/15 ,iliA, '0i01I15 iOlOI111 .... t .,. ·c. ,$0

poli",e .. 10101117 NlA 10101115 10101117 NlA $<

Po'lee lM11115 iliA'

~I::::: ,.. .'$0

polleee", 1001117 NlA ""AS(

Po'lee 1001115 .,.1:00II" . ....... '>~ poIleee" 10101117 $1,000

Po, ... 1001115 '~ -- - - - -........ '~

polleee .. 1001117 1001115 1001117

ECO 15P~,V .. IMlII15 ,'N/A;. .010111$ 1001111 • ".,;. ," .$01 .... .... <20 P"", No 1001117 NlA 10'"1115 '0""117 NlA 1<1 C,.wnVde'. Po,,,,, lM1I/15 $1,000 1010111. IQlllII\7 i'ee:

3760 PolleeC" 1001117 $1,000 1001115 1001117 m,ooq C,.wn Vidoria Po'lee 100111. SI.C>XI .1010111' "'Co·" .. .... ,

3759 poli",e" 1001/17

1:ijTI

1<W1Il>

~ 522,001

C,.wnV..,,, Police 1001/15 ·'OIOm. • ..~ 3758 i lM11117 100111.

24

U.O. Mak. QIy y""

043 FonJ

1 2000

044 F",.

1 2007

045

1 2007 11

04. F"'"

1 200'

_047 FonJ

1 2007

04.

1 2007

04' F"'"

1 2007

050 FonJ

-~ 2008

051 F",.

1 2007

052 ''''. 1 2007

053

1 2001

054 ''''. . 1 2001

055

1 19'"

056

1 2001

051 FonJ

1 2001

058 FonJ

1 2001

05. FonJ

1 2007

060 FO<d

1 2001

061 F",.

1 2001

082 'O<d

1 2007

083

1 2008


"L.n

V'N' Vohi,'. Type I AL To'm CoHO..

Po''''' 1010111. $'.IIOD 3157 P~"C" ''''''117 ".000

I 10101115 I~ .,.,5 1'·~1I'7

c..w Cab TN« '''''"15 ~ I '''''"'7

'''''"15 ···N/A.

1250 L"In"" I '''''"17 NtA ern~vidOO. Po''''' 1001115 $1.000

457. p"""e .. 1""'117 ".000

T",hTNO' 'MlII15 $1.000. 57112 1001117 $1.000

,Van 1001115 I··.·~~ ... 7 10101117

F250 4>2 T",,' 1010 1115 I$I.IIOD 8133 L"'T",,t 1001117 $1,000

Crow.v,_. por .. 100111' $1.000 260 P"" eM I<WIII

.~ ern.,v..", Poli", l00tH5

2., P",,,, eN 10101117

P'CKUP 1001115 =;: 3263 LighiT",,' '001117

"'ow,v_. Po"", 1001115 $1.000 262 P"",, cor 1001117 ".000 5-10 1001115 .' ... 7 '''''"17 "',

E,,,.,, ... '''''"15 ........ 7437 Lighln"" '''''"17 "" .. Cro.,v""" Po''''' lM1I115

263 .~ .. c.. lM1I117 $1.000

Po''''' lM1I115

3403 .,"""c.. 1001117 "', Po, .. lM11115 :,'.

264 ." .. c.. lM11117

~. Cro.,v ..... Po, .. 10101115

1644 P"" eM 1001117

p"r ... 100m. Jill$. 3404 10101117

~ mo, 1001115

7453 Mod ... TN" '''''"17 E·350V" 10101115 $I.IlOO '.

"7' LighiT",,' 10101117 >1.UW

25

I_ ... ....... ' I Col' Elf

~ y.~~.uon I "":ij

!lil101N5 'C. "'$2: lM1111. """',' C""I

! .o.l1l15 1111<>1117 I. •... . 1001115 '",,1117 ..... ~, C""I $1"'80'

1'0II!111 •• '1W111t '.' .. '0101115 1""1117 ..... ,,' C .. ~ $21.00'

I '!lIOlI15 1!lI01I1l ". .' $I) 1001115 10101117 Nt"l $'

11~.1I15 -= 1 ......... -

I lM1I115 ........ 'C .. ~ 1'!lIOIIIS '0011'1

...... ;${5:QOO1 1 '001115 1001117 Adu.'C .. ~ S45.00q

.1.~j/lt I...· ~.1IOIl1 1 '00'11'

1""1117 $26.00q

10411111 .... .....

~.oool I 10",1115 1<W1I17 """'.'C .. ~ $30.00'

1.l1lIOJ1I5 loW!llt , ....... ; '$?MOC

I 'UN'::; 'twl/1 r

ii 111<1111, 1001117

lilI01M ..... •. ~ lM1m. 1001117 Nt"l

100111. 1""1117 ">''''''L~

. ...../ •.••.••. ; .. \'.$1: lM1I115 1<W1I17 0.'1 $'

•• 11<11117 · .. .. .... ... 100m. 1",,1117 "'''I ~

I 1",,"li · .' 1001115 1",,1I17'm:ooq

~iT~"I; 1001115

~L(\;D ..••• 100111. , Aclua' C""I

100m. !:::::i '····•······· .~ 111<>1117, '. .... ·.A;··~I

1001115 1<W1I17 NtAI sq ·lo.l1/15 111<11117.< •••• ".

100111' 1",,1117 """',' e""l $4O.ooq

j"".M • Co •• "... ••

1001/15 1""1117 i28.OO'I

IUnO. M ...

Qty y..,

064 F",.

I 2001

(J6O F~d

I 2008 ... F",d

~ ',001 067

I 10.7 ... 2000 ...

I 200.

070

I .001

071

1 2008 .07'

1 2006

073

• 2006

074 F",d

• 2006

07.

• 2000

07. FO<d

-'- _20"" G77 F"d

I 2000

070 FO<d

I 2000

07. I 2010

060 F",d

• 2000

0"'

I 2000

002 F",.

I 20.0

083 FO<d

I 2010

06' F",d

I 2010


• Ltn ~omp OM I~"P on , .... VIN. VehlcleT ... At Te ...

'Ci

1 Coil Ell T:OII

Cmwn V,,",ri. Pollee IMlII15 loolllr

340. 10101117 11IIIl1l1, IMlII17

mop .. ,. 1010111' =m: IliIIIIl/IS ' loof/t1.

4733 Lighl Truck IMlIII1 11IIIl11I. IMlI1I7

F'ooP",. Pollee IMlIII' eN/A. IIi\lQflI6 .' 11IJf)11l7

.077 Poll", CM IMlI1I7 NlA 11IIIl1I1. IMlII17

Plcku. IMlIII, filA .... . IIIJf)VUI !lillllt/17

7334 10ID11I7 N/A 101\1111. 1001111

T .. '" True. IMlIII. 1%.i.5

6.68 " ...... Truck .0ID1I17 ... WU

iii lOilllll

P~" • .MlIII. i'~ r 4132 IMlII17

E350VAH IMlII" I'~" .. " 100111. ,.3 LlghtTrucl< '0ID1I17 1010.11. 111

W .... Truc. 'OIDlll. 51.lI0II ,001115 11001117

04 •• H .... T""" 10101117 ~'.OOO .01011 •• .010.11

15 P." Von 'MI.II, 11IIII11l5 .1001117

6821 "", <20 Pa.,. No '0101111 ".000 .010111. 10J111111

" P ... Van '0101115 'JlJiIlO : IIIJf)W6 1.00.117

6820 .... <20 P .... No .MI.117 ... UW .IIIIlIII. """"11 .MlIII' 1"$1,0tltI' !mlft• 1(M!1117

'60' LlohtTruck . '010'"7 $ •. 000 1010.11' .0JllIlI1

15P .. ,Van , .000tII • 1< .i' i~.j'5 ~ ""'" .... <20 Pa.,. No '0ID1I17 1010111.

Crown V"""' Pollee I'MlIII' . '$1.lI0II'' IIIJf)Iil6

14" PolleeC. 10101117 $1.!IOO 1010111' ''''"117 CrownV_. Pol .. I '010'1" $1)100 • 111Jf)1116 1001111.

14 .. Pollee C" .0101117 "'000 '''''"10 1001111

Cmwn Vielori. Pol ... 1'01011" • "JiIlO .lllollI/!?:

1417 I 10101111 =ii .. 11IIIl111' ij IOIDIII'

7eo. 10ID1I11 1010111.

mo 1010111. "~' 1381 Ugh' True' IMlII17 1010'"' 10101117

","' .. eTru" IMllIl •. 11ii)1I'" . ,-'iIIII'm

• .. ue •

y.~~:on I' ""

NtAI " .• ~ ' .... ' .•. ~

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,PoiIce In'.,...'", 1010111 • . 1'.110., tillllliJt- c, ..••. IMlIII7 ..!'-"""- 1010111' 'MlIII7

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26


27

Unit. Make

QI, Yo.,

106 F",.

I '"'" 107 """" I 2000 103 F". I 2004

10" c...".... I 2005

110 IntM13lional

I 2006 III F". I 2000

112 GMe

I 2000 III FO<d

I 2010 114 Auto Car

I 2013 115 Fr@ightlru~r

I 2013 116 GEM

I 2013 117 Tandem

I 2008 118 Tand""

I 2008 110 Tra.r

I 2013 120 T .... ,

I 2008 121 F ....

I '"00 122 Tandem

I 2008 123 Trailer

I 2000 124 TraEr

I 2013 125 Tr.:de-r

I 2003

126 Trait'r

I 2013


ModellDescription Department Al Eff C~Oe4 IC_EII

VlNI Vehicle Type- AL T@rm Col~ Oed Coli Eft

RangN Pick Up Noo Police 1001115 NA .'. lFTZRtlX6W{AS9706 light Truck 1001117 NA

Altima XE 4dr M:JnPol~ 1001(15 NA IN-4DL01D6YC212203 Prilta~ Passenger U\IOlI17 NA

F250 PICk Up Non Police 1001115 NA lFTNW21P24EAD4216 light Truck IMJtl17 NA

300 Non Police 1001115 NA 2C3JA43R75H505771 Private Passe-nger lMHI17 NA

Trash 10101f15 NA

IHTMMAAR46HI72991 HeawyTruck t(WlI17 NA

Crown VictDria Non Polict> l0/0tfl5 NA· lFAH971V59XI24118 Private Passenger 100m? NA

Sweep« SchW31'N lQ1Ot/15 NA ••. '" .. J.SDC4W 166Q700 1 079 Medium Truck 1001117 NA

Crown VIctoria Police 10101115 $',000 .ilIOllt6 2FABP7BV7AX142814 PO/ic@Car tWOlf17 $1,000 10101115

Aex Garbage Truck 10/01115 $I.Q® 1W1l1r1fi_ 5VCACRSFSDH215134 GMbage Truck 1(w1I17 $1.000 10101115

M2-H16 Crant'Truck Non-Police H1'01/15 $I,ow 10101('15

IFVACXB$IDHFE42(12 H£oavy Truck 10101117 $1.000 10101/15

2P NOfI-Poliee 1001115 • $1,000 'ilIO.(15 52CG2AGA30000m8 Private- Pas5E"nger 10101/17 $1,000 tal'01I15

Trailt'f 10101/15 ItA <. IS907X1698MOS2128 Trailer - NO 1001117 NA

TRAILER - TANDEM - Tag XB2331 10101/15 .. .1'111··.· ....•....... ..... ISQ07X169SM982120 Tr.JiIer-NO I(}.IOt/17 NA

Trailt'f - Back up trai@f 10101/15 .fjA. •.. , .

200004 Trailer - NO 1001/17 NA

CVI> HW1I15 .fjA

ISQ07X1618M982130 Trailer· NO 1001117 NA

Crown Victoria 10101115 I ~ 2FAFP71W6WXI37543 Private- Pas5E"nger 10/01117 NA

Tr.liler 1001115 .,·ItA· '<' 1 s0071608MIlB2129 Trailer - NO 1001117 NA

Post 256 - Tag,X8548S Policll.' 10101115 •••..• :11', •.•. . i 5RTBEI216BOO23363 Trailer-NO 10/01117 NA

Trailer - TOO - Bact ~ traill!!f 10101115 ,."11',,, •. . .... 200005 Trailer- NO 1(1'01117 NA

".,,~- ,~. ,_.

f'N 1001115 .fjA .

Trailer - NO lOO1f17 NA - .. , .

F'W 1001115 ' . ~ . ....... 213959 Trllller- NO 10/01f17 NA

28

r""" Vol ••

T:OII Valuation APO Rptd

T

• .... .. $I NlAI

.. .$1: NlA

... .... $I: NlAI

$I

NlAI

... ... $I

NIAI

.... }! NIAI ... .'. $I NlA

1001117 I ....... ~.oot: HWlf17 Actual Cashl $21:1.00

1001117: L< m9.4QII IOJUUI7 Actual Cash! $269.40

IOIDm1 "64.44' 1001117 Actual Cash! 1154.44

l00lMt ,.t"" 10101/17 Actual Cash! 113.49

'. I·" $ll NtAi

.' . $I: NlAI

$0 NIAI

,. $0 NIA

... >,," ... •..••.. $0

NlA

< ..... ' .", 'do NlAI

.':.' .......• $0

NlAi .•. ......;. $0

NlAI

.... .... ., ' ".$0 NJA

•••• , >........ ... $0 NJAI


29


30

PUBLIC OFFICIALS & EMPLOYMENT PRACTICES PROPOSED LIABILITY COVERAGE

Insurer: Ace American Insurance Company

Type of Form:

Claims Made - Retro Date Per Policy Form Extended Reporting Period: 12 months for 100% of last annual premium


Each Claim Aggregate

$1,000,000 $1,000,000

Defense Costs are Within Limit of Liability - Capped at $1,000,000

Deductible:

$100,000 Public Officials Liability - Public Entity Liability- 1 A2 and IB $150,000 Each Employment Practices Violation - IC $250,000 Retention applies to all Zoning Claims

Exclusions Include But A"e Not Limited To:

Network Security or Privacy Liability Exclusion Bond Exclusion False Claims Act Exclusion

31

SUMMARY OF ESTIMATED PROPOSED PREMIUMS

Premiums as Proposed: *Expiring Renewal

Property Including Premium $130,713.00 $120,049.00 Boiler & Machinery Fees N/A N/A

Taxes & N/A N/A Surcharges $130,713.00 $120,049.00 Total

General Liability Premium $88,993.00 $88,993.00 Fees N/A N/A Taxes & N/A N/A Surcharges Total

$88,993.00 $88,993.00

Automobile Premium $105,124.00 $123,238.00 Fees N/A N/A Taxes & N/A N/A Surcharges $105,124.00 $123,238.00 Total

Inland Marine Premium $2,883.00 $836.00 Fees N/A N/A Taxes & N/A N/A Surcharges Total

$2,883.00 $836.00

CrimeiFidelity Premium $750.00 $750.00 Fees N/A N/A Taxes & N/A N/A Surcharges $750.00 $750.00 Total

Law Enforcement Liability Premium $64,983.00 $66,022.00 Fees N/A N/A Taxes & N/A N/A Surcharges Total

$64,983.00 $66,022.00

Public Officials Premium $48,505.00 $50,887.00 Employment Practices Fees N/A N/A Liability Taxes & 630.57 TBD

Surcharges $49,135.57 $50,887.00 Total TOTAL $442!581.57 $450!775.00 .. * Exptrlng Premium reflects annualized premiums on any midterm polley challges

Fees shown above may be fully eamed at policy illception Automobile: 153 Total Ullits -136 Contain Comprehensive & Collision

32

Important Note:

This quotation provides for two annual twelve month periods from 10/01/15 to 10/01116

and for 10/01116 to 10/01117:

All Aggregate limits reset for the period 1010112016 12:00:00 AM to 10/0112017 12:00:00 AM. Losses applying to one annual coverage period will not erode the aggregate limits of another annual coverage period. The premium for the period 10/0112016 12:00:00 AM to 10/0112017 12:00:00 AM will be determined based on updated exposure values for this period.

Rates for the period 10/0112016 12:00:00 AM to 1010112017 12:00:00 AM will be identical to those for the period commencing 10/0112015 12:00:00 AM, with premiums subject to the following: 1. NCCI Experience modification factors will be applied as promulgated. 2. Changes to Schedules: Property, Inland Marine, and Automobile 3. Payroll 4. Number of Employees

In the event of cancellation of any line of business within 90 days after the first day of either annual coverage period, the premium for such line(s) shall be 25% minimum earned. In the event of cancellation of any line of business following the initial 90 days of each annual coverage period, a penalty equal to 60 days premium of such line(s) of business shall become earned, any provision of the agreement to the contrary notwithstanding. This penalty is earned and payable regardless of when notice of such cancellation is given, or the effective date of such cancellation.

Payment Qption:

PGIT Package: 50% Down, 25% due at 75 days and 25% due @ 166 days POUEPL - Full payment at inception - Financing may be available

A 25 % Minimum Earned Premium applies to the following policies: Preferred Governmental Package

Quotations Subject To:

• Signed and initialed PGIT and Acord applications • Signed Ace and Acord Applications - POL & EPL • Review of Currently Valued Loss Runs Prior To Binding:

Ace American POLIEPL • Signed PGIT UM Form and Signature Page

Quotation is valid 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.

33

A.M. BEST RATING OF PROPOSED COMPANIES

COMPANY COVERAGE BEST RATING ADMITTED

Preferred Governmental Insurance Commercial Property, Crime, Not Rated Yes Trust Inland Marine, General

Liability, Law Enforcement

Liability, Commercial

Automobile

Ace American Insurance Co. Public OfficialJEPL A++XV Yes

GENERAL RATING

These rating classifications reflect BEST's opinion of the relative IJosition 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+*** A A-*** B++ B+** NR'

Superior Excellent Very Good Not Rated

B B-*** C++ C+*** C C~*** ,

Good Fair Marginal

FINANCIAL SIZE CATEGORY

The Financial Size Cate~ory is an indication of the size of an Insurer and is based on reported Policyholders' surplus p us conditional or Technical Reserve Funds, such as mandatory secunties 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 Brown and Brown of Florida Inc - Miami Division.

34

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 andlor 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 companysponsored 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/Managing General Agent: 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 / Managing General Agent 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.

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 http://www.bbinsurance.comlcustomerinquiry.shtrnl.

35

PROPOSAL VARIANCE

Changes that need to be made prior to binding:

36

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 CANCELLA nONS

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.

37

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: [email protected]

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.

38

DEFINITIONS

39

PROPERTY DEFINITIONS

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 ci viI 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 ci viI 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.

40

EQUIPMENT BREAKDOWN DEFINITIONS

Definition of Equipment Boiler & Machinery lnsurance 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.

41

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 ofthe 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.

42

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 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.

43

UNDERST ANDING 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.

44

AUTOMOBILE DEFINITIONS

Liability Coverage The liability coverage of the commercial auto policy provides protection against legal liability ansmg 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.

UninsuredlUnderinsur 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.

45

COVERED AUTO DESIGNATION SYMBOLS

1

2

3

4

Any "Auto" 6

Owned "autos" only. Only those 7 autos you own (and for liability coverage any trailers you don't own while attached to power units you own.) This includes those "autos" you acquire ownership of after the policy begins. Owned Private Passenger "Autos" 8 Only. Only the private passenger "autos" you own. This includes those private passenger "autos" you acquire ownership of after the policy begins. Owned "Autos" other than private 9 passenger "autos" only. Only those autos you own that are not of the private passenger type (and for liability coverage any "trailers" you don't own while attached to power units you own.) This includes those autos not of the private passenger type you acquire ownership of after the policv 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 principallv garaged.

46

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. Specifically Described "autos". Only those autos described in ITEM THREE of the Declarations for which a premium charge IS shown (and for liability coverage any "trailers" you don't own while attached to any power unit described in ITEM THREE.) Hired "Autos" Only. Only those autos you lease, hire, rent or borrow. This does not include any "auto" you lease, hire, rent or borrow from any of your employees or partners or members of their households. Non-Owned "Autos" Only. Only those "autos" you do not own, lease, hire, rent or borrow that are used in connection with your business. This includes "autos" owned by your employees or partners or members of their households but only while used in your business or your personal affairs.

Employee Dishonesty

Forgery or Alteration

Theft, Disappearance & Destruction

CRIME DEFINITIONS

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 fonn 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 is generating a document or signature that is not genuine.

Alteration is changing a document III 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 means any act of stealing.

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.

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PREFERRED GOVERNMENTAL INSURANCE TRUST "Preferred"

NOTICE AND ACKNOWLEDGEMENT OF FINANCIAL CONDITION

Brown & Brown of Florida, Inc. - Miami Division, 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 or pooling 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 any insurance carrier or alternative risk transfer or pooling entity or otherwise predict whether the financial condition of any such entity 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 coverage. Accordingly, with receipt of this notice you acknowledge the following with regard to the placement and any subsequent renewal of the coverage indicated below:

• 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.

• Coverage is being placed through Preferred Governmental Insurance Trust ("Preferred"), which is as a Florida local government self-insurance fund established pursuant to Section 624.4622, Florida Statutes, as such Preferred is not rated by the A.M. Best Company.

• Preferred is not subject to the protections afforded by any state guaranty fund or association.

• The financial condition of insurance companies and other coverage providers including local government self-insurance funds like Preferred may change rapidly and that such changes are beyond the control of Brown & Brown.

• You should review the financial and membership information from Preferred and agree to abide by the conditions of membership established by Preferred.

• You should consider the information provided, including the Preferred coverage quote and coverage placement and review it with your accountants, legal counsel and advisors.

By: [NAME OF AUTHORIZED REPRESENTATIVE OF INSURED]

Named Insured: Policy Number: Policy Period: Date of Notice:

City of South Miami PKFLI01320211304 10/01115 TO 10/01116 09/15/2015

* A.M. Best Rating Guide: Rating for Stability: A++ to D = Highest to lowest rating Rating for Assetsl Surplus: 15 to 1 . Largest to smallest rating

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Insurance Coverage Review Insured: City of South Miami Term: 10101/15 ~ 10101/16 Correction: Addl Named Insured:

Please advise if quotations for increased limils of liability or for any coverage listed b~elC:o"wC:a:Cr:::e-:r:::e:Oqu:Ce:Cs::;t:::edO:::--------E = Exposure; C == CoveraQe throu h Brown & Br own; Q == Quote for Uncovered Exposure

E C Q E C Q

PROPERTY YIN YIN YIN LIABILITY YIN YIN 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 Buildinq Ordinance or Law Owners/Contractors Prot Liabilitv

A. Loss to UndamaQed Portion of Blda Pollution Liability (1'1 Party) B. Demolition Cost Pollution Liability r 3m Pa_ctYL C. Increased Cost of Construction Products Liability

Earthauake 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 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 T ransiVT ransportation Rental Reimbursement (PPT) Builders Risk / COC Rental Reimbursement (Com. Vehicle) Ocean Cargo

Uninsured Motorist (Primarv) WORKERS COMPENSATION

Uninsured Motorist (Excess) Workers Compensation Garage Liability Other States Garage keepers Liability USL&H Garaqe Dealers Physical Damage Jones Act Truckers Liability Slop Gap Liabili~ Un-laden Liability Excess Employers Liability

Truckers Physical Damage AIRCRAFT

Trailer Interchange Aviation - Owned CRIME Aviaijon - Non-Owned

Employee Dishonesty (1st Party) MISCELLANEOUS

Employee Dishonesty (3rd Party) InternationaUForeiqn Exposures

ERISA Bond Kidnap & Ransom

Forgery or Alteration Travel Accident

Fiduciary Liability Credit Insurance

Money & Securities Mold/Funqi BONDS EIFS

Bonds Terrorism describe) Subsidence

ThiS list of msurance coverage IS for mformatlOn 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

Brown & Brown Representative Signature

Oate • Place Completed with Insured

Comments: (may be continued on reverse) Prepared by Brown & Brown Insurance - Rev 01,01,11

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Documents

WORKER'S COMPENSATION, PROPERTY, GENERAL LIABILITY