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Item Q05 �S Q.J I`� County of Monroe �y,4 ' �, "tr, BOARD OF COUNTY COMMISSIONERS County �a� Mayor Michelle Coldiron,District 2 �1 nff `ll Mayor Pro Tem David Rice,District 4 -Ile Florida.Keys Craig Cates,District 1 Eddie Martinez,District 3 w Mike Forster,District 5 County Commission Meeting September 15, 2021 Agenda Item Number: Q.5 Agenda Item Summary #3613 BULK ITEM: Yes DEPARTMENT: Risk Management TIME APPROXIMATE: STAFF CONTACT: Maria Slavik (305) 295-3178 N/A AGENDA ITEM WORDING: Approval to purchase insurance for Monroe County emergency vehicles and portable equipment from American International Group (AIG) through the VFIS insurance agency at annual premium of $125,076.26 which represents an increase of $12,806.79 (11.4%); approval to use competitive bidding procedures purchase exemption, and authorization for the Risk Management Administrator to sign the Florida Consent to Rate/Excess Rate Application and all other necessary documents. The increase in Emergency Vehicle Physical Damage premium is due to National Union increasing their rates due to difficulty in finding replacement parts. and the cost of the parts ITEM BACKGROUND: This American International Group (AIG)recently acquired American Alternative which will result in National Union Fire Insurance Company of Pittsburgh, PA replacing American Alternative as the insurer. This policy provides coverage for damages to the County's emergency vehicles and portable equipment with an effective policy term of October 1, 2021 to September 30, 2022. This policy is uniquely beneficial over other policies because it provides emergency vehicle coverage on a"scheduled value" basis rather than an"actual cash value" basis and also provides "guaranteed replacement value" for the County's communication equipment used for firefighting, ambulance and rescue operation. Due to the unique terms and conditions of this policy coverage required by the County, this policy is exclusive in the market and is not benefited by the competitive bidding process. Staff seeks approval to exempt the acquisition of this policy from the competitive bidding procedures pursuant to and as authorized by County Purchasing Policy Ch. 10 —Purchase of Insurance, and Monroe County Code Sec. 2-347(e)(5)g, which provides that policies, which due to the unique terms and conditions required by the County, are exclusive in the market and thus are not benefitted by the competitive bidding procedures may be exempted from formal competition. The County's risk management consultant's recommendation letter, Purchasing Policy Chapter 10 and MCC Sec. 2-347(e)(5)g are attached as backup. PREVIOUS RELEVANT BOCC ACTION: Packet Pg. 3132 Q.5 9/18/19 — BOCC approved the current emergency vehicles and portable equipment damages insurance policy. The 2020/21 annual premium was $109,902.47. 7/15/15 - BOCC approved Ordinance 015-2015 which added Sec. 2-347(e)(5)g to the MCC and the Purchasing Policy was revised to authorize this type of policy to be acquired as an exclusion and exempt from the competitive bidding process. CONTRACT/AGREEMENT CHANGES: Annual premium increase of$12,806.79 (11.4%) STAFF RECOMMENDATION: Approval of the purchase of the American Alternative insurance policy through use of the competitive bidding procedures exemption, and authorization for the Risk Administrator to sign the Florida Consent-to-Rate/Excess Rate Application and all other necessary documents. DOCUMENTATION: VFIS 21-22 Proposal Florida Consent to Rate Excess Rate Application 21-22 Purhasing Policy 3-18-2020 Chapter 10 Purchase of Insurance MCC Sec.2-3479e)(5) Interisk Corporation Recommendation Letter 10-1-21-9-30-22 FINANCIAL IMPACT: Effective Date: 10-1-2021 Expiration Date: 10-1-2022 Total Dollar Value of Contract: $125,076.26 Total Cost to County: #125,076.26 Current Year Portion: $109,902.47 Budgeted: Yes Source of Funds: Internal Service Fund/Primarily Ad Valorem CPI: N/A Indirect Costs: N/A Estimated Ongoing Costs Not Included in above dollar amounts: N/A Revenue Producing: No If yes, amount: Grant: No County Match: No Insurance Required: N/A Additional Details: 09/15/21 503-08502 - RISK MGMT INSURANCE $125,076.26 Packet Pg. 3133 Q.5 REVIEWED BY: Cynthia Hall Completed 08/30/2021 6:11 PM Bob Shillinger Completed 08/31/2021 9:58 AM Purchasing Completed 08/31/2021 10:04 AM Budget and Finance Completed 08/31/2021 10:40 AM Liz Yongue Completed 08/31/2021 11:33 AM Board of County Commissioners Pending 09/15/2021 9:00 AM Packet Pg. 3134 Q.5.a cv PROTECT' YOUR CREW, YO U R ASSETS, YOUR FUTURE, cv THE MON ROE COUNTY BOARD OF COUNTY COMMISSIONERS W ru CL N r' N PRESENTED BY: VFiSOF FLORIDA 1500 NW 11TH STREET " r ( BOCA RATON, FL 33486 r ' 800.233.1957 pit 1j, " DATE: 08/11/2021 This proposal is valid for 90 days. 00 � 1 All n � , Al", Packet Pg. 3135 ov Table of Contents RISK MANAGEMENT SERVICES.......................................................................................................3 PROPOSAL.....................................................................................................................................5 GENERAL INFORMATION............................................................................................................5 PORTABLE EQUIPMENT.............................................................................................................. 6 AUTO.........................................................................................................................................7 PROPOSAL NOTES.................................................................................................................... 11 PREMIUM SUMMARY............................................................................................................... 12 PLUS MORE VALUE!.......................................................................................................... 12 VFIS ORDER FORM....................................................................................................................... 13 cv cv cv 0 0. 0 CL cv cv cv u THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 2 C0123 packet Pg. 3136 ov RISK MANAGEMENT SERVICES VFIS is more than just a company that you can use to transfer risk. Asa valuable service to your organization, VFIS provides Risk Control, Education and Training Services. Our Risk Control team is staffed by active emergency service personnel with more than 200 years of combined emergency service experience. Employment Practices It's important to keep up with the latest on employment law liability issues. Through our VFIS HR Help portal,we work to keep our clients up to date and provide timely resources that educate and inspire good employment practices.Through VFISHRHelp.comwe provide: • Web-based EPL training that tracks employees' progressand completion • Tools to evaluate your current H R policies • Articles highlighting relevant workplace issues • Checklists to discover areas of exposure • Lawsuit and court decision summaries • Free model HR policies and forms for download cv cv Communiques/Safety Bulletins/Checklists VFIS has over 100 technical reference bulletins covering fire and EMSoperations, vehicle operations, employment practices and ESO administration. > On-site RiskAssessments 0. VFIS can provide on-site risk control assessments in evaluating the effectiveness of existing procedures for CL controlling potential loss exposures. These assessments, where requested,will be provided by a Certified Safety Professional with experience in fire and emergency medical services. cv Self-Assessment Tools VFIS provides a web-based self-assessment guide (Mutual Aid by VFIS)which highlights known loss producing exposures and directs users to resources available to assist their organization in addressing them. Newsletters VFIS provides quarterly newsletters covering emergingtopics of concern to emergency service leaders and personnel. THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 3 C0123 packet Pg. 3137 ov YOUR INSURANCE PROPOSAL This proposal is prepared from information supplied to VFIS on the application submitted by your insurance representative. The lines of business shown in this proposal are offered as a complete portfolio. Purchase of individual lines of business requires underwriting approval. This proposal may or may not contain all termsrequested on the application. Proposed coveragesare provided by the VFIS insurance policy forms and are subject to the terms,exclusions, conditions and limitations of those policy forms. Actual policies should be reviewed for specific details.Your insurance representative can provide specimen policies upon request. Your exposure to loss changes over time. Keep your insurance representative informed of any changes,so your coverage can be updated. We strongly recommend frequent reviews of your operations and VFIS coverage with your insurance representative. cv The proposed Property and Casualty coverage is underwritten by National Union Fire Insurance Company of cv Pittsburgh, Pa. (A.M. Best#19445). National Union Fire Insurance Company of Pittsburgh, Pa. is rated (Excellent) in Financial Size Category XV by A.M. Best Company. VFIS Claims Management provides the claims management servicesfor VFIS Program insureds exclusively. 0. L_ CIL cv cv ©2021 Volunteer Firemen's Insurance Services,Inc. I All rights reserved. r' N The VFIS Program is administered by Volunteer Firemen's Insurance Services,Inc.CA Insurance Producer License#01339073. Volunteer Firemen's Insurance Services,Inc.,an American International Group, Inc.(AIG)company,is a premier manager and specialist of specialty commercial insurance markets in the U.S.This proposal provides a brief description of proposed insurance coverages for your consideration. It is not a contract of insurance. Refer to the actual insurance policy for a description of coverage,exclusions and conditions. Specimen policies a re available for your review.All products and services are written or provided by subsidiaries or affiliates of AIG.Products or services may not be available in all countries, 0) and coverage is subject to actual policy language.Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 4 C0123 packet Pg. 3138 ov PROPOSAL GENERAL INFORMATION This Proposal reflectsthe renewalof policies listed below: Policy Number Effective Date Expiration Date VFN U-TR-0021865-00 10/01/2020 10/01/2021 VFN U-CM-0021866-00 10/01/2020 10/01/2021 First Named Insured: THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS Mailing Address: 1111 12TH STREET,SUITE408 KEY WEST, FL 33040-1026 Coverage Applies To: -TAVENIER VOLUNTEER FIRE DEPARTMENT &AMBULANCE CORPS, INC cv -SUGARLOAF KEY VOLUNTEER FIRE DEPARTMENT, INC N KEY LARGO VOLUNTEER AMBULANCE CORPS, INC 0 0. 0 L_ CL N r N THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 5 C0123 packet Pg. 3139 0V PORTABLE EQUIPMENT Blanket Portable Equipment Coverage Covered For Limit Deductible All causes of physical loss unless Guaranteed Replacement Cost $250 excluded If Portable Equipment coverage is provided on a blanket basis, coverage is provided for all portable firefighting,ambulance and rescue related equipment owned or furnished for your regular use. Note that boats over 100 horsepower are not covered under blanket; they must be scheduled. cv cv cv 0 0. 0 CL cv cv cv THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 6 C0123 packet Pg. 3140 ov AUTO Coverage Symbols Limits Bodily Injury/Property Damage Combined Single Limit Not Included "No Fault"or Statutory Personal Injury Protection Not Included Medical Payments Not Included Uninsured Motorists Not Included Underinsured Motorists Insurance Not Included Hired &Borrowed Vehicles Included Commandeered Vehicles Included Volunteers/Employees as Insureds Under Non-Owned Autos Not Included Temporary Substitute Vehicles Included Fellow Member Liability Not Included Incidental Garage Liability Included `V Physical Damage Comprehensive 7,8 see Schedule of Vehicles > Physical Damage Collision 7,8 see Schedule of Vehicles y 0 0. Schedule of Vehicles CIL Vehicle Agreed Comp. Coll. N No. Year Make&Model VIN PE ACV Value Ded. Ded. 1 1998 FORD AMB ALS 1FDXF46F9XEB99283 ALS $100,000 $500 $500 tV 2 2001 PIERCE PUMPER 4P1CT02A81A001720 PR $285,500 $500 $500 3 1988 SPARTAN PUMPER LDH 1S9CT6D02JC185676 PLDH $181,708 $500 $500 4 2002 FORD AMB ALS 1FDXF46F22ED14878 ALS $102,759 $500 $500 5 2005 WELLS CARG TRAILER 1WC200J2X53052439 OTH $18,000 $500 $500 6 2005 PIERCE PUMPER LDH 4P1CS01A65A005307 PLDH $344,000 $500 $500 7 2006 STERLING AMB ALS 2FZACFCS76AV92511 ALS $152,000 $500 $500 8 2007 E-ONE PUMPER TANKER 1HTWYAHT37J452586 PT $230,000 $500 $500 9 2007 OSHKOSH CHEM FOAM 10TBKAK107S094275 CF $689,949 $500 $500 10 2007 PIERCE PUMPER LDH 4P10E01A47A007888 PLDH $375,000 $500 $500 11 2008 HORTON AMB ALS 3HTMNAAM68N698467 ALS $180,000 $500 $500 12 1988 E-ONE AERIAL 1F9D8BA89J1037252 AD $550,000 $500 $500 13 2007 PIERCE AERIAL DEV 4P1CD0H47A007860 AD $584,000 $500 $500 14 2006 STERLING AMB ALS 2FZACFCS37AX62073 ALS $159,326 $500 $500 15 2009 FORD AMB ALS 1FCXE45P19DA83131 ALS $120,195 $500 $500 16 2010 FERRARA TANKER 1FVHCYBS8ADAS9707 T $302,550 $500 $500 17 2009 FORD AMB ALS 1FDXE45P79DA90438 ALS $118,995 $500 $500 18 1998 OSHKOSH TANKER 10TBK8217WS064431 T $311,780 $500 $500 19 2001 DANKO TANKER 1FDAF57511EB01717 T $150,191 $500 $500 20 2010 HME PUMPER 44KFT4288AWZ21905 PR $319,665 $500 $500 21 2011 OSHKOSH CHEM FOAM 1FDOW5HT5BEA06632 CF $227,701 $500 $500 THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 7 C0123 packet Pg. 3141 ov Vehicle Agreed ' Comp. Coll No Year Make&Model VIN PE ACV Value Ded. Ded.' 22 2003 FORD PICK UP 1FTRX172X3NA94735 OTH X N/A $500 $500 23 2010 FORD UTILITY TRUCK 1FDAW5HR2AEB04654 OTH X N/A $500 $500 24 2001 FORD AMB ALS 1FDFX46FXlEC33366 ALS $100,217 $500 $500 25 2014 FORD RESCUE LT 1FDUF5GT2EEA27753 RTL $179,000 $500 $500 26 2015 FORD RESCUE LT 1FDUF5GT7FEA16801 RTL $179,000 $500 $500 27 2014 FREIGHTLNR TANKER 1FVHC5DV6FHGK6098 T $304,432 $500 $500 28 2014 FREIGHTLNR TANKER 1FVHC5DV8FHGK6099 T $304,432 $500 $500 29 2015 PIERCE PUMPER LDH 4PIBAAFF6GA016108 PLDH $424,902 $500 $500 30 2015 PIERCE PUMPER LDH 4PIBAAFF8GA016109 PLDH $424,902 $500 $500 31 2017 OSHKOSH CHEM FOAM 10TADLJFXJA783865 CF $592,672 $500 $500 32 2017 FORD RESCUE LT 1FDUF5GTXHEE87327 RTL $208,598 $500 $500 33 2019 PIERCE AERIAL 4PIBCAFF9KA020057 AD $643,305 $500 $500 34 2012 HORTON AMB ALS 1HTMYSKLOCH557187 ALS $27,300 $500 $500 35 2014 FORD FIRST RESPONDER 1FT7W2963EEB36435 FIR $17,000 $500 $500 tV 36 2019 FORD FIRST RESPONDER 1FT7W2BT8KEE89043 FIR $46,818 $500 $500 tV r 37 2019 FORD FIRST RESPONDER 1FT7W2BTXKEE89044 FIR $46,818 $500 $500 tV 38 2013 INTERNATIONAL AMB ALS 1HTMYSKLODH403449 ALS $37,500 $500 $500 39 2019 PIERCE PUMPER LDH 4PIBAAFF5KB019505 PLDH $499,262 $500 $500 40 2015 FORD AMB ALS 1FDUF5GT8FEC84059 ALS $166,322 $500 $500 41 2004 PIERCE PUMPER LDH 4P1CT02S54A004071 PLDH $90,000 $500 $500 0. 0 L- 42 2012 FORD CHEM FOAM 1FT8W3BT3CEC31413 CF $42,768 $500 $500 CIL cV 43 2002 INT'L AMB ALS 1HTMRADL13H574116 ALS $9,600 $500 $500 tV r 44 2006 FORD AMB ALS 1FDXF46P86EB47344 ALS $113,530 $500 $500 tV 45 1992 FORD AIR CASCADE 1FDPK74P7NVA35763 AC $75,632 $500 $500 46 1992 INT'L MINI PUMPER 1HTSCPHN4NH446561 MP $126,341 $500 $500 47 1999 ALF PUMPER TANKER 1FVXJLCB6YHA28819 PT $5,000 $500 $500 48 2010 INT'L AMB ALS 1HTMYSKM4AH27378 ALS $26,700 $500 $500 49 2005 PIERCE PUMPER 4P1CC01M05A004855 PR $140,000 $500 $500 50 2020 FORD PICK UP 1FTEW1CB7LFB88038 OTH $37,220 $500 $500 51 2020 FORD SERVICE 1FD8W3GTXLED96380 OTH X N/A $500 $500 THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 8 C0123 packet Pg. 3142 ov Schedule of Vehicles— Insured's Identifiers Only vehicles with an insured's identifier are shown below. Vehicle Insured's Identifier` No. Year Make&Model VIN (How YOU refer to this vehicle) 1 1998 FORD AMB ALS 1FDXF46F9XEB99283 4287 2 2001 PIERCE PUMPER 4P1CT02A81A001720 4550 3 1988 SPARTAN PUMPER LDH 1S9CT6D02JC185676 4581 4 2002 FORD AMB ALS 1FDXF46F22ED14878 4206 5 2005 WELLS CARG TRAILER 1WC200J2X53052439 5621 6 2005 PIERCE PUMPER LDH 4P1CS01A65A005307 4679 7 2006 STERLING AMB ALS 2FZACFCS76AV92511 5098 8 2007 E-ONE PUMPER TANKER 1HTWYAHT37J452586 5970 9 2007 OSHKOSH CHEM FOAM 10TBKAK107S094275 5973 10 2007 PIERCE PUMPER LDH 4P10E01A47A007888 6277 11 2008 HORTON AMB ALS 3HTMNAAM68N698467 6507 12 1988 E-ONE AERIAL 1F9D8BA89J1037252 4586 cV 13 2007 PIERCE AERIAL DEV 4P1CD0H47A007860 6283 14 2006 STERLING AMB ALS 2FZACFCS37AX62073 5806 15 2009 FORD AMB ALS 1FCXE45P19DA83131 6813 16 2010 FERRARA TANKER 1FVHCYBS8ADAS9707 6816 N 17 2009 FORD AMB ALS 1FDXE45P79DA90438 6845 0. 18 1998 OSHKOSH TANKER 10TBK8217WS064431 4086 CL 19 2001 DANKO TANKER 1FDAF57511EB01717 4081 N 20 2010 HME PUMPER 44KFT4288AWZ21905 6939 N 21 2011 OSHKOSH CHEM FOAM 1FDOW5HT5BEA06632 6692 22 2003 FORD PICK UP 1FTRX172X3NA94735 4174 23 2010 FORD UTILITY TRUCK 1FDAW5HR2AEB04654 6819 24 2001 FORD AMB ALS 1FDFX46FXlEC33366 2418 25 2014 FORD RESCUE LT 1FDUF5GT2EEA27753 8264 cJ 26 2015 FORD RESCUE LT 1FDUF5GT7FEA16801 8265 27 2014 FREIGHTLNR TANKER 1FVHC5DV6FHGK6098 8301 28 2014 FREIGHTLNR TANKER 1FVHC5DV8FHGK6099 8302 29 2015 PIERCE PUMPER LDH 4PIBAAFF6GA016108 8634 30 2015 PIERCE PUMPER LDH 4PIBAAFF8GA016109 8635 31 2017 OSHKOSH CHEM FOAM 10TADLJFXJA783865 9301 32 2017 FORD RESCUE LT 1FDUF5GTXHEE87327 9549 33 2019 PIERCE AERIAL 4PIBCAFF9KA020057 9821 34 2012 HORTON AMB ALS 1HTMYSKLOCH557187 9839 35 2014 FORD FIRST RESPONDER 1FT7W2963EEB36435 9135 36 2019 FORD FIRST RESPONDER 1FT7W2BT8KEE89043 9962 37 2019 FORD FIRST RESPONDER 1FT7W2BTXKEE89044 9968 38 2013 INTERNATIONAL AMB ALS 1HTMYSKLODH403449 9971 39 2019 PIERCE PUMPER LDH 4PIBAAFF5KB019505 9602 40 2015 FORD AMB ALS 1FDUF5GT8FEC84059 8540 41 2004 PIERCE PUMPER LDH 4P1CT02S54A004071 8732 THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 9 C0123 packet Pg. 3143 ov Vehicle Insured's Identifier` No. Year Make&Model VIN (How YOU refer to this vehicle) 42 2012 FORD CHEM FOAM 1FT8W3BT3CEC31413 7394 43 2002 INT'L AMB ALS 1HTMRADL13H574116 8906 44 2006 FORD AMB ALS 1FDXF46P86EB47344 5671 45 1992 FORD AIR CASCADE 1FDPK74P7NVA35763 3374 46 1992 INT'L MINI PUMPER 1HTSCPHN4NH446561 4571 47 1999 ALF PUMPER TANKER 1FVXJLCB6YHA28819 3608 48 2010 INT'L AMB ALS 1HTMYSKM4AH27378 10078 49 2005 PIERCE PUMPER 4P1CC01M05A004855 4999 tV N r N 0 0. 0 L- CL N r N THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 10 C0123 packet Pg. 3144 0V PROPOSAL NOTES General Note:This proposal is based solely on the insurance exposures of the organization(s) shown opposite the heading "Coverage Applies To".All of the coverages described here and any policies that we issue will apply only to injury or damage arising out of the firefighting,rescue, ambulance or incidental operations of the emergency service organization(s) listed opposite "Coverage Applies To". Note:A signed consent to rate document is needed to bind coverage. cv cv cv 0 0. 0 CL cv cv cv THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 11 C0123 packet Pg. 3145 ov PREMIUM SUMMARY THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS (FL)C01239 Premium Property......................................................................................................................Not Quoted Crime...........................................................................................................................Not Quoted PortableEquipment.............................................................................................................$6,255 Auto.................................................................................................................................$118,815 General Liability...........................................................................................................Not Quoted Management Liability...................................................................................................Not Quoted ExcessLiability.............................................................................................................Not Quoted cv N Total Estimated Annual Premium .....................................................................................$125,070 `V (excludes state-imposed taxes,surcharges and fees) 0 Total Estimated State-Imposed Taxes, Surcharges and Fees...................................................$6.26 0. 0 N N PLUS MORE VALUE! RiskManagement............................................................................................................ Included • Employment practices • Manage your risk— resources, check lists • Risk Management Consultants • On-site assessments/self-assessments Education,Training &Consulting...................................................................................... Included • Classroom seminars,training, resources—vfis.com • Distance learning—VFIS University • Consulting Available Volunteer Firemen's Insurance Services, Inc.® VFISO,VFIS�D with design and Volunteer Firemen's Insurance Services,Inc.®are all registered service marks of the same PA Corporation. THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 12 C0123 packet Pg. 3146 0V VFIS ORDER FORM THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS (FL)C01239 Coverage Effective/ Accept Decline Premium Expiration Dates Initial to accept Initial to decline Quoted coverage coverage Property Crime Portable Equipment Auto General Liability Management Liability Excess Liability cv Total N Payment Plans > Installment Option: (noinstallmentfee) [ ] Ten Pay($10,000 P&C account minimum and 25%down payment) 0. [ ] Semi-Annual($2,500 P&Caccount minimum) CL [ ] Quarterly($3,500 P&C account minimum) N N N Signature of Insurance Representative Date Agency Name/Address Producer/Service Rep. Before you return this form, you must: 1. Provide the I NSURED'S Federal I X. 59-6000749 2. Identify all mortgagees,loss payees and(for Auto o n I y)additional i nsu red s/lessors(provide address). 3. Choose$1,000,000 underlying I imits when there is Excess Liability. This is not a binder,norshoulditbe used as one. Thisform is solelyfor the purpose of ordering property and casualty insurance coverages forwhich VFIS has provided a valid quote. Signature of Insured Date Comments/Notes: ................................................................................................................................................................................................................................................................................. .................................................................................................................................................................................................................................................................................................................................................. ................................................................................................................................................................................................................................................................................................................................................... Internal Use Only: C01239 FL Qt Eff Dt: 10/01/2021 Doc ID: a2e7ceaa3b2f4445b540eb260ea74aa0 Property: 0 Crime: 0 PE: 14336310000000 Auto:24336310000000 GL: 0 ML: 0 Excess: 0 THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 13 C0123 packet Pg. 3147 Q.5.b FLORIDA CONSENT-TO-RATE/EXCESS RATE APPLICATION (Maintain in Underwriting File for 3 Years) Name of Insured: The Monroe County Board of County Commissioners 1111 121h Street,41h Floor Key West,FL 33040-1026 Address: cv cv VFNU-CM-0021866-01 r N Policy Number: 10/1/2021-10/1/2022 `-' cv Period of Coverage: r cv r- Kind of Insurance&Hazards To Be Insured: —"�.�-Phys+s,'^..,,age $500 Comp ded/$500Coll ded Limits or Amountof Insurance: Filed Rate: $38,615 Excess Rate:$80,200 Reason for Excess Rate: I am willing t O experience overtMepas years Mas beenpoor. inorder Tor tnecompany toagree to insure myorganiza ion,I amwilling toaccep the premiumata higherthantiled rate. O CJ $118,815 207% Premium: Which %of the usual nrdevel pedat rates filedwith the Division/Department oflnsurance. The undersigned hereby certifies that he/shehas been unable to obtain insurance againstthe hazards)noted aboveforthe reasons cited. In consideration,National Union Fire Insurance Company of Pittsburgh,Pa.has agreed to issue to him/her their policy covering the hazard(s)mentioned,at the premium noted above. The undersigned hereby requests issuance of said policy,and accepts suchat the higherrate. Applicant's Signature Date Packet Pg. 3148 Q.5.c CHAPTER 8. BLANKET PURCHASE ORDERS A Blanket Purchase Order (BPO) is a simplified method of filling anticipated repetitive requirements for supplies or services with qualified vendors during a specified period(not to exceed 12 months or one (1) fiscal year whichever is less). BPOs are designed to reduce administrative costs in accomplishing purchases (up to $49,999.99) by eliminating the need of issuing individual written purchase orders. 1. BPOs are issued when there are repetitive needs for specific items or services and when the exact quantities and delivery requirements are not known in advance and may vary. A purchase requisition containing (1) description of the required items or services, (2) specified period, and (3) estimated quantities for the specified period, is required to get a pre-priced BPO. BPOs cannot be issued without a maximum dollar amount. A BPO shall be authorized in writing by the Department Director or their designee. v) CHAPTER 9. MINORITY BUSINESS ENTERPRISE (MBE), SMALL BUSINESS & DISADVANTAGED BUSINESSES If required by Federal Aviation Administration (FAA) grant or other Federal-funded grant requirements the Department having project management/oversight responsibilities, should develop an acceptable plan to utilize and afford opportunities to minority, small and disadvantaged firms. This plan may include: 1. Separate percentage goals for using small, minority and disadvantaged businesses. 2. Name of an individual employed or retained who will administer the firm's subcontracting program. cv 3. Description of efforts to be made to ensure such firms have an equitable opportunity to co compete for subcontracts. 4. Assurance that federally funded contracts comply with the provisions contained therein. g 0 0. 5. Assurance to cooperate on surveys for compliance. CHAPTER 10. PURCHASE OF INSURANCE Any purchase of insurance by the Monroe County BOCC shall be treated as the purchase of a E commodity and regulated the same, except as set forth below. The purchase of builder's risk insurance for County projects may be exempt from competitive bidding procedures pursuant to Section 2-347(e)(5)(g.)For the purchase of builder's risk insurance expected to cost less than $50,000, separate price quotes are not required, but the agent should solicit several insurance companies to ensure that the best price is attained. For the purchase of builder's risk insurance expected to cost more than $50,000, the County Administrator should authorize the purchase and report to the Monroe County BOCC the purchase of the premiums. It is understood that since the cost of builder's risk policies are included in the overall budget for the project, the cost of premiums will be paid from the funding source for that project which are generally approved by the BOCC as part of the budget process. Page 27 of 92 Packet Pg. 3149 Q.5.c The purchase of insurance which is exclusive, due to the unique terms and conditions and/or the detailed coverage required by the County,may also be exempt from competitive bidding procedures pursuant to Section 2-347(e)(5)(g.).Risk should document the reason(s)for the policy being exempt from the competitive bidding procedures. When premiums exceed $50,000, the Monroe County BOCC should authorize the exemption. In an emergency, i.e. an interruption of an essential government services, the County Administrator may authorize the purchase of the policy and seek ratification from the Monroe County BOCC. All policies for insurance coverage shall have an initial term and shall thereafter be renewable yearly for up to three (3) additional years with BOCC review. N N CHAPTER 11. RECYCLED CONTENT PRODUCTS N The County shall on a continuing basis encourage the use of products and materials with recycled content. Preference shall be given to the procurement of recycled content products and materials when it can be determined that such purchases are cost effective, meet specifications required and are in the best interest of Monroe County. 2 For the purposes of this section "recycled content" means materials that have been used, recycled and are contained in the products or materials to be procured as "post" recycled. To the extent c 0) feasible each department shall keep a compilation of the number and amount of recycled product or materials it purchases each fiscal year. 2 CHAPTER 12. SURPLUS ITEMS The objective of this policy is to ensure that all County assets are properly tracked and disposed of in compliance with Florida Statutes. N The following rules apply to all departments in possession of fixed assets belonging to Monroe co County. The rules also apply to constitutional officers, contracting parties, and third-party entities in possession of fixed assets belonging to Monroe County. (Each such department, or office shall be known as a"using agency".) 0 Contracting parties in possession of tangible non-consumable property owned by Monroe County which is no longer used or which has become obsolete,worn out or which the parties believe should be scrapped shall submit reports identifying such property to the department responsible for their contract, which in turn shall forward the reports to the Clerk of the Court, Property Clerk. 1. Each using agency shall assign a person who will be primarily responsible for maintaining the fixed assets of the Department or Office ("Property Custodian"). 2. Classification of Surplus Property. a) Property may be designated as surplus by the using agency for any of the following reasons: (1) It becomes inoperable and cannot be repaired; (2) It is more economical to replace the asset than to repair it; (3) Property becomes obsolete; (4) The department or office no longer has need of the item; or Page 28 of 92 Packet Pg. 3150 Q.5.d Monroe County Code Sec. 2-347(e)(5) (5) The competitive bidding procedures are not required to apply to the following: a. Professional service covered by the Consultants' Competitive Negotiation Act (F.S. § 287.055). Other professional services may be exempted by the BOCC from the competitive bidding process when price is only a minor concern compared to qualitative considerations; b. All purchases of services controlled by the public service commission or other governmental authority including but not limited to utility/local telephone services as defined in section 2-346; c. Cellular telephone services; on-going payments and fees for maintenance and support of existing software technology which has been purchased in accordance with existing procurement requirements; software packages for personal computers approved by the county's technical services department; d. Legal services, lobbying services, investigative services, interpreter services, court reporter services, and advertising services; e. Change orders authorized under a lawfully executed county/contractor contract; and f. All solid waste services including but not limited to collection franchise agreements and operations and maintenance agreements. g. All builder's risk insurance policies; or policies which due to the terms and conditions required by the county are exclusive in the market and thus not benefitted by the > competitive bidding procedures. r. r9 cv U U Packet Pg. 3151 Q.5.e InteriskCorporation Risk Mgt.&Employee Benefits Consultants 1101 Red Maple Circle N.E.,St. Petersburg, Florida 33703-6318 — telephone: 813-287-1040 www.interisk.net August 12,2021 Ms.Maria Slavik,CPM N Risk Administrator N Monroe County c) i 111 1211,Street Suite 408 `-' Key West,Florida 33040 N r9 Subject: Emergency Vehicle Physical Damage and Portable Equipment Damage Insurance N Dear Maria: The County's Emergency Vehicle Physical Damage and Portable Equipment Damage policies are scheduled to expire on October 1,2021. Currently the coverages are provided by National Union Fire Insurance Company through the VFIS Insurance Agency. Both of these policies provide broad coverages r- and have served the County well in years past. The premium for the Emergency Vehicle Physical Damage policy to include i vehicle added midterm was$104,797. The 2020/21 premium for the Portable Equipment Damage policy totaled$7,472.47 which included$7.47 for State imposed fees,surcharges and m taxes. This brought the cost of the County's Emergency Vehicle Physical Damage and Portable Equipment coverage to $112,269.47 for the 2020/21 policy term. 0 National Union has proposed an annual premium for the 2021/22 Emergency Vehicle Physical Damage policy of$118,815 and an annual premium for the County's Portable Equipment Damage coverage of c $6,261.26 which includes State imposed fees,surcharges and taxes of$6.26. This brings the total premium for the County's Emergency Vehicle Physical Damage and Portable Equipment coverages to$125,076.26 c for the 10/1/21 — 10/1/22 policy term. This represents an increase of$12,806.79(11.4%). According to VFIS the increase in the Emergency Vehicle Physical Damage premium is due to National Union increasing their rates because of the difficulty in finding replacement parts and the cost of those parts. The premium for the Portable Equipment policy actually decreased slightly. Packet Pg. 3152 Q.5.e The following schedule reflects a side by side comparison of the 2020/21 premiums to the proposed 2021/22 premiums. The 2020/21 premiums includes i vehicle the County added midterm. 2020/21 2021/22 Premium Percentage Coverage Premium as Proposed Increase/(Decrease) Increase/(Decrease) Issued Premium Emergency Equipment Vehicle $104,797.00 $118,815.00 $14,018.00 13.3% Physical Damage N Coverage cv Portable Equipment $7,472.47 $6,261.26 S(I_2 I I_21 1 0 62`i`�,O Total $112,269.47 $125,076.26 $12,806.79 11.4% > cv cv The Portable Equipment premiums include State imposed fees,surcharges and taxes as reflected above. It should be noted that the National Union's Emergency Vehicle Physical Damage and Portable Equipment N policies contain features that are not normally available from traditional insurers. Some of the more notable features are discussed below. Emergency Vehicle Physical Damage National Union will provide Physical Damage(Compressive and Collision)coverage for the County's fire c fighting equipment(fire trucks)and rescue equipment(ambulances)and other support vehicles. While coverage will be provided on an industry standard Business Automobile Liability policy,most standard Business Automobile Liability policies provide coverage on an"Actual Cash Value" (ACV)basis. ACV is defined as"Replacement Cost'less Depreciation. This means that all claim payments will be reduced by E the amount of the vehicle's depreciation. For example assume a vehicle has a"Replacement Cost"of 0 $100,000 and has a useful life of 10 years. Further assume this vehicle is destroyed in the 51h year of its useful life. A traditional Business Automobile Liability insurer will only honor a maximum claim amount of$50,000($100,000 x 50%). National Union's policy will provide Physical Damage coverage on an c "Agreed Amount"basis. This means that National Union will reimburse the County for what ever value is reflected in policy for that vehicle. 0 0 Another unique feature of National Union's policy is that it will only be subject to a$500 per claim U deductible. Most Business Automobile Liability policies contain a minimum deductible of$1,000. Many of them have an even higher deductible,especially for high valued equipment such as fire trucks. Portable Equipment Policy m National Union will provide its Portable Equipment policy on an"Inland Marine"form. The policy defines Portable Equipment as: "Portable firefighting, ambulance or rescue related equipment and portable communication equipment commonly used in fire and rescue operations away from your premises" Most insurers that offer"Inland Marine"coverage requires that all equipment being insured be scheduled on the policy and the claim amount will be limited to the value reflected in the policy for the damaged or destroyed equipment. Not only does this make the administration of the policy difficult,the amount recoverable from the insurer will be limited to the amount reflected on the schedule. National Union will not require that Portable Equipment be scheduled and the policy does not contain any limits. National Union will honor claims in any amount required to replace the damaged or destroyed equipment. I am not aware of any insurer that offers this feature. Packet Pg. 3153 Q.5.e National Union's policy also provides coverage for damage to"personal effects"belonging to volunteers, employees,directors,officers or trustees while in route,during and returning from any official duty authorized by the County. Most"Inland Marine"insurers are not willing to offer this feature. Another attractive feature of the National Union's policy,compared to similar policies offered by other "Inland Marine"insurers is that claims will be subject to a$250 deductible while traditional"Inland Marine"policies typically contain a much higher deductible. It is therefore believed that the County will experience difficulty in receiving competitive bids if it's Emergency Vehicle Physical Damage and Portable Equipment policies are competitively bid through an RFP process or even if the County seeks"informal" quotations. N N It is believed that the National Union/VFIS proposal for the policy term of 10/1/21 to10/l/22 is attractive and it is recommended that the County renew its Emergency Vehicle Physical Damage and Portable M Equipment coverage as being proposed by National Union/VFIS. > N N VFIS has also requested that the County sign a"Florida Consent-to-Rate/Excess Rate Application. This authorizes National Union to charge rates that are higher than those on file with the State. For the County to continue the Emergency Vehicle Physical Damage policy,you will have to sign the requested application. It does not impact the coverages being provided by the policy. Please give me a call if you have any questions or wish to discuss this issue in more detail. Cordially, c INTERISK CORPORATION E c Sidney G.Webber 0 CPCU,ARM 0 c� Packet Pg. 3154