09/17/2003 Agreement
Clelt( of De
Circul coun
Danny L. Kolhage
Office (305) 292-3550 Fax (305) 295-3663
Memnrandmn
To:
Sheila Barker, Director
Management Services
Attn:
Nancy Cohen
Isabel C. DeSantis,. " ~/
Deputy Clerk r
Tuesday, September 30, 2003
From:
Date:
At the BOCC meeting on September 17, 2003, the BOCC granted approval and
authorized execution of the following:
Service Agreement between Monroe County and Preferred Governmental Claim
Solutions (pGCS) for Third Party Administrative Services for the Monroe County
Worker's Compensation Program.
Attached hereto are two (2) duplicate originals of the document for your
handling. Should you have any questions concerning the above, please do not hesitate
to contact this office.
cc: County Attorney
Finance
File../
SERVICE AGREEMENT
THIS AGREEMENT is entered into this 1st day of October 2003, by and between Preferred Governmental
Claim Solutions, a Florida Corporation, hereinafter referred to as PGCS, and the County of Monroe
hereinafter referred to as "THE COUNTY".
1. RECITALS
A. THE COUNTY wishes to retain the services of PGCS to provide claims Management
services for it's Workers' Compensation risks and desires to have PGCS provide
specific services in connection with such claims program.
B. PGCS is willing to provide such services on the terms and conditions hereinafter stated.
11. TERM
This Agreement shall be effective for a period of One (1) year from October 1, 2003 through September 30, 2004
and shall remain in full force and effect except as amended or terminated as hereinafter provided. THE COUNTY at
its sole option, will have the right to renew the contract for an additional three (3) one (1) year periods.
Lll. CANCELLATION
Either Party shall have the right to terminate the Agreement by giving to the other Party written notice of such
termination at least Ninety OOdays in advance. THE COUNTY'S failure to pay the PGCS service fee as provided
in Item IV, Section B of this Agreement shall be construed as a breach of the Agreement and, in such event, PGCS
shall have the right to terminate the Agreement by giving THE COUNTY ten (10) days' written notice of its
intention to terminate. Upon termination of this Agreement, neither Party shall have any further responsibility or
obligation hereunder except as provided in Item IV, Section D of this Agreement.
IV. AGREEMENT
A. Services to be Performed bv PGCS PGCS agrees to perform the following services:
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I. ~i. With regard to CLAIMS ADMINISTRATION, PGCS shall:
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~ 1-':: -r a. Review all claim and loss reports submitted by THE COUNTY to PGCS during the term of
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this Agreement and process each submitted claim or loss report in accordance with Florida
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Statutes.
b. Conduct an investigation of each reported claim or loss under subparagraph "a" above
(hereinafter referred to as a "qualified claim or loss") consistent with industry standards and
in sufficient detail to determine the compensability of each claim.
c. Maintain a file for each qualified claim or loss which shall be available for review by THE
COUNTY at any reasonable time.
d. Adjust settle or resist all qualified claims or losses arising from The County's Workers'
Compensation program with no claims being settled without the prior approval of The
County.
e. Perform reasonable and necessary administrative and clerical work in connection with each
qualified claim or loss, including the preparation of checks or vouchers, compromises,
releases, agreements and any other documents to fmalize a claim.
f. Recommend claim reserves and provide a continuous review and updating of these to
reflect changes.
g. PGCS will assist THE COUNTY in arranging a loss and expense payment account as set
out in Section B. Paragraph 2.
h. Provide notice of claims and routine status reports to THE COUNTY'S Excess Insurer in
accordance with the Excess Insurer's standard reporting requirements. THE COUNTY will
provide PGCS with the name, address and telephone number of its Excess Insurer. PGCS
will fully cooperate with THE COUNTY'S Excess Insurer and take no action, or lack of
action that will jeopardize THE COUNTY'S rights to recovery under the policy.
i. Coordinate investigations on litigated claims with attorneys approved by THE COUNTY
and with adjusters and attorneys of the excess insurance carrier as required. This
includes the negotiation of settlements and preparation of subrogation and contribution
actions. It is expressly understood by the Parties to this Agreement that all legal costs and
loss payments will be charged to THE COUNTY'S Loss Fund.
J. All sizable and unusual claims will be reviewed by PGCS's staff at no additional cost to
THE COUNTY, to ensure efficient and proper administration is provided.
k. PGCS will furnish one set of loss and information reports (as specified in PGCS's
proposal) to: THE COUNTY'S Insurance Agent, THE COUNTY'S Risk Management
Consultant and THE COUNTY'S Excess Insurer.
1. Additional optional and ad hoc information and analysis reports and services can be
provided on a time and expense basis, as mutually agreed upon by PGCS and THE
COUNTY.
m. Provide THE COUNTY and its Excess Insurer with narrative or analytical reports on all
qualified claims with a total incurred in excess of $50,000, every ninety (90) days.
n. Provide THE COUNTY with claim and other forms mandated by the State of Florida's
statutes and regulations to ensure efficient administration of THE COUNTY'S self-insured
Workers' Compensation program.
o. Investigate and pursue all subrogation and Second Injury Disability Trust Fund possibilities
(to the extent permitted by law) on behalf of THE COUNTY. THE COUNTY will receive
the benefit of all recoveries associated with these activities.
p. Provide all personnel necessary to effectively perform the services agreed to herein.
2. With regard to WORKERS' COMPENSA nON and MEDICAL CONTROL, PGCS shall:
a. Arrange for independent medical or other experts in connection with processing
qualified claims or losses as is mutually agreeable to PGCS and THE COUNTY.
b. Pay medical and death benefits, temporary and permanent disability compensation and
other losses and expenses but only if in the judgment of PGCS, such payment would
be prudent for THE COUNTY and the anticipated amount thereof does not exceed the
stated settlement authority or, in any case, THE COUNTY specifically approves or
directs such action.
c. Assist in THE COUNTY'S selection of a panel of physicians or other providers of
health care to initially treat employees and a panel of medical specialists to provide
long-term or specialty care.
d. Consult with THE COUNTY in order to develop ways of using any medical facility
more effectively.
e. Monitor the treatment programs recommended for employees by physicians,
specialists and other health care providers by reviewing medical reports so prepared
and by maintaining contact with the providers as is consistent with industry standards.
f As THE COUNTY directs, assist in interpreting medical reports to consider the
circumstances under which an injured employee who desires to do so could return to
work in the shortest period of time without adversely effecting the employees
recovery .
g. Assist THE COUNTY in arranging for rehabilitation or retraining of employees in
appropriate cases; charges for these programs shall be considered allocated expense
and charged to THE COUNTY.
h. Represent THE COUNTY at all hearings, mediations and trials at no additional costs.
With the specific approval of THE COUNTY, which will be proved on a case by case
basis, such representation may be conducted by telephone.
i. Conduct quarterly meetings (at no charge) with THE COUNTY officials to review the
claim activity and develop methods for reducing the claim costs. Such meetings shall
take place at THE COUNTY'S offices in Key West, Florida or at the offices ofPGCS
located in Lake Mary, Florida.
3. With regard to PROGRAM DEVELOPMENT, PGCS shall, to the extent appropriate:
a. Consult with key personnel of THE COUNTY on the establishment and coordination
of necessary procedures and practices to meet any applicable state requirements and
needs of THE COUNTY.
b. Participate in the orientation of THE COUNTY'S personnel who are directly or
indirectly involved in the processing of qualified claims or losses.
c. Review the development of THE COUNTY'S program periodically with
representatives of THE COUNTY in order to identify problems and recommend
corrective action.
B. Obligations of THE COUNTY
1. THE COUNTY shall pay PGCS for services rendered here in accordance with
Attachment A which is incorporated as part of this Agreement.
2. The County Shall at all times provide funds adequate for the payment of qualified
claims or losses and of allocated loss expenses. For this purpose, allocated loss
expenses shall mean all costs, charges or expenses of third parties incurred by
PGCS, its agents or its employees, which are properly chargeable to a qualified
claim or loss including, without limitation, court costs, independent investigators,
experts and witnesses and fees for obtaining diagrams, reports, documents and
photographs. It is expressly understood that all fees and expenses of attorneys
will be paid directly by the County and upon receipt of such invoices PGCS, shall
prepare a voucher and forward it with the original invoice to the County's
Workers' Compensation Manager for review and processing. If the County
makes adjustments to the invoice before paying, PGCS will be notified of such
adjustments by the County's Workers' Compensation Manager and PGCS will
adjust their payment records to reflect the actual amount paid.
3. It is expressly understood that PGCS shall not be required to advance its own
funds to pay losses, allocated loss expenses or banking charges hereunder, or to
perform any services hereunder if THE COUNTY fails to provide adequate funds
as herein set forth.
C. Discretionary Disbursement Authority Limit. The limit on any discretionary payment by PGCS
for a qualified claim or loss or for allocated loss expenses, as the case may be, shall be Five
Thousand Dollars ($5,000) initially. This amount may be changed at any time by THE
COUNTY upon written notice to PGCS. It is agreed that PGCS shall have full authority and
control in all matters pertaining to the payment, processing, investigation and administration of
qualified claims or losses with the limit established by this paragraph with the exception of fees
and expenses paid to attorneys which will be paid directly by the County in accordance with
paragraph IV.B.2. Failure ofPGCS to settle a qualified claim or loss within such limit, however,
shall not subject PGCS to liability to any party in the event of an adverse judgment entered by
any court or the settlement of such claim or loss for an amount in excess of such limit. PGCS
will make no payment in excess of the Discretionary Disbursement Authority Limit without
obtaining Prior approval of the County's Administrator or his designee.
It is further agreed that all checks or drafts in amounts in excess of $1,000 will require the
signature of two PGCS employees in supervisory positions. All payments in excess of $5,000
will require the written authorization of the County Administrator before being issued.
D. Terms of Al!feement and Cancellation
l. In the event of cancellation or non-renewal of this Agreement, THE COUNTY, at its sole
option, may require that all open claims be transferred to its new administrator or require
PGCS to continue administering the claims to conclusion. If THE COUNTY elects that
PGCS is to continue administering the claims, a service fee of One Hundred Dollars ($200)
per file per year will be paid for as long as the claim remains open.
a. PGCS will treat as confidential all data furnished by THE COUNTY or generated as a
result of the processing services performed under this Agreement and any other
information so designated in writing by THE COUNTY, and PGCS will make the
same effort to safeguard such information as it does in protecting its own confidential
data.
b. PGCS reserves the right to gather and utilize, as it sees fit, statistical information from
the data base; provided, however, that THE COUNTY'S name and proprietary and/or
confidential data are adequately protected and not disclosed.
2. In the event of cancellation or non renewal, PGCS shall provide, at no charge to
COUNTY, detail history of all claims processed during the term of this Agreement on
Electronic Data Processing Media. PGCS will cooperate with THE COUNTY or its new
Administrator with all reasonable requests regarding the method and format of the
information to be provided. Shipping of all physical claims will be a the sole expense of
the County.
E. Practice of Law. It is understood and agreed that PGCS will not perform, and THE COUNTY
will not request performance of, any services which may constitute the unauthorized practice of
law.
F. Indemnification PGCS shall be fully responsible for exercising reasonable care at all times in the
performance of its obligations hereunder. However, if PGCS is named as party to any litigation
because of its actions on behalf of THE COUNTY agrees to defend PGCS in any such litigation
if no allegation is made that PGCS failed to exercise such reasonable care, and to hold harmless
and indemnify PGCS, pursuant to Florida Statue 768.28 if no fmding is entered to the effect that
PGCS failed to exercise such reasonable care.
G. Notices Any notice required to be given under this Agreement shall be sent by certified mail to
the following in the case ofPGCS:
Mr. Kevin Cothron
Vice President
Preferred Governmental Claim Solutions
PO Box 958456
Lake Mary, FL 32795-8456
And to the following in the case of THE COUNTY:
Monroe County, Florida
Attn: Manager Workers' Compensation
I 100 Simonton Street
Suite 2-268
Key West, FL 33040
(305) 292-4449
H. Successors. This Agreement shall be binding upon and shall insure to the benefits of all assigns,
transferees and successors in the interest of any kind of the Parties hereto.
1. Entire Al!l'eement and Modification or Amendment. This Agreement represents the entire and
exclusive statement of the agreement of the Parties and, except as otherwise provided in Item IV,
Section C, may be modified or amended only by a written statement signed by both Parties. Such
modification or amendment shall be attached to, and shall thereupon become a part of this
Agreement.
J. Headings. Headings herein are for convenience of reference only and shall not be considered in
any interpretation of this Agreement.
K. Independent Contractor. It is understood and agreed that PGCS is engaged to perform services
under this Agreement as an Independent contractor and not as an agent of THE COUNTY. The
Parties hereto agreed that neither Party has any relationship with, or contractual liability to, the
other with respect to the subject matter of this Agreement, other than as set forth herein.
L. PGCS will not discriminate against any person on the basis of race, creed, color, religion, sex, age,
national origin, or any other characteristic which is not job-related in its recruiting, hiring,
promoting, terminating or any other area affecting employment under this agreement. PGCS
agrees to abide by federal or state laws regarding non-discrimination, including but not limited to,
Executive Order 11246, Executive Order 11365 and US Department of Labor regulations.
M. PGCS warrants that it has not employed, retained or otherwise had acted on his behalf any former
COUNTY officer subject to the prohibition is Sec. 2 of Ordinance No. 10-1990 or any COUNTY
officer or employee in violation of Sec. 3 of Ordinance 10-1099, and that no employee or officer
of THE COUNTY had any interest, financially or otherwise in PGCS except for such interest,
permissible by law and fully disclosed by affidavit attached hereto. For breach or violation of this
paragraph, THE COUNTY may, in its discretion, terminate this agreement without liability and
may also, in its discretion, deduct from the contract or purchase price, or otherwise recover, the
full amount of any fee, commission, percentage, gift or consideration paid to the former COUNTY
officer or employee.
N. PGCS assures THE COUNTY that, to the best of its knowledge, information and belief, the
signing of this Agreement does not create conflict of interest and that during the time of this
agreement PGCS will not undertake representation of any parties to or before THE COUNTY
seeking to obtain contracts or other benefits from THE COUNTY.
O. All documents which are prepared in the performance of this Agreement are to be and shall
remain, the property of THE COUNTY and shall be delivered to the Workers' Compensation
Manager at any time upon request and no later than thirty (30) days after termination of this
Agreement.
P. PGCS shall indemnifY and hold THE COUNTY harmless from and against any and all losses,
penalties, damages, professional fees, including attorney fees and all costs or litigation and/or
judgment arising out of any willful misconduct or negligent act, error or omission of PGCS
arising out of any or incidental to the performance of this Agreement or work performed
thereunder.
Q. PGCS is required to maintain the types and limits ofinsurance identified in Attachment "B".
R. PGCS shall not assign or sub-contract this Agreement, except in writing and with the prior written
approval of THE COUNTY.
S. The following definitions shall apply of Medical Only and Lost Time Claims:
"Medical Only Cases" mean injuries that require medical treatment for which charges will be
incurred, whether or not they are submitted to THE COUNTY, but which does not result in the disability of
the employee (as defined by Florida Statute 440.02(13), for more than seven days as a result of the injury.
"Lost Time Cases" means injuries which result in the disability of the employee (as defined by
Florida Statute 440.02(13), for more than seven days.
T. This contract is governed by the laws of the State of Florida and venue for any litigation between
THE COUNTY and PGCS arising under this contract must be in Monroe County, Florida.
IN WITNESS WHEREOF, the Parties hereto have caused this Agreement to be executed on the day and date
first above written.
(SEAL)
Attest: DANNY L.KOLHAGE, Clerk
BY~ aLJ {l. tJv)j wnk;;
Deputy Clerk
BOARD OF COUNTY COMMISSIONERS
OFL}j;t;;;.' ~
By
Mayor/Chairperson
Witness
By:
Title:
Vice President
Contract for Workers' Compensation
Claims Administration Services
Between Preferred Governmental Claims Solutions
and
Monroe County, Florida
Attachment A
Fee Schedule
For consideration ofPGCS administering the COUNTY's Workers' Compensation claims as specified in this
contract, The COUNTY agrees to pay PGCS a flat annual fee of$78,000.00 for the period of 101l/03 through
9/30/04. It is understood by both Parties that such fee includes, but not limited to the following.
~ Administer to conclusion (subject to PGCS being retained as the County's claims administrator) all
Workers' Compensation Lost Time and Medical Only claims.
~ Reduce all medical bills associated with the County's Workers' Compensation claims to the State Fee
Schedule.
~ Prepare and file on behalf of the County all mandated State reports.
~ Prepare and distribute 1099's as required by law.
It is further agreed that the flat annual fee will be paid in 12 equal payments of$6,500.
General Insurance Requirements
for
Contract Between Preferred Governmental Claims Solutions
and
Monroe County, Florida
Attachment B
As a pre-requisite of the work governed, or the goods supplied under this contract (including the pre-staging of
personnel and material), PGCS shall obtain, at their own expense, insurance as specified in any attached schedules,
which are made part of this contract. PGCS will ensure that the insurance obtained will extend protection to all
Subcontractors engaged by PGCS. As an alternative, PGCS may require all Subcontractors to obtain insurance
consistent with the attached schedules.
PGCS will not be pennitted to commence work governed by this contract (including pre-staging of personnel and
material) until satisfactory evidence of the required insurance has been furnished to the County as specified below.
Delays in the commencement of work, resulting from the failure of PGCS to provide satisfactory evidence of the
required insurance, shall not extend deadlines specified in this contract and any penalties and failure to perfonn
assessments shall be imposed as if the work commenced on the specified date and time, except for PGCS' failure to
provide satisfactory evidence.
PGCS shall maintain the required insurance throughout the entire tenn of this contract and any extensions specified
in the attached schedules. Failure to comply with this provision may result in the immediate suspension of all work
until the required insurance has been reinstated or replaced. Delays in the completion of work resulting from the
failure of PGCS to maintain the required insurance shall not extend deadlines specified in this contract and any
penalties and failure to perfonn assessments shall be imposed as if the work had not been suspended, except for
PGCS' failure to maintain the required insurance.
PGCS shall provide, to the County, as satisfactory evidence of the required insurance, either:
· Certificate of Insurance
or
· A Certified copy of the actual insurance policy.
The County, at its sole option, has the right to request a certified copy of any or all insurance policies required by
this contract.
All insurance policies must specify that they are not subject to cancellation, non-renewal, material change, or
reduction in coverage unless a minimum of thirty (30) days prior notification is given to the County by the insurer.
The acceptance and/or approval of the Contractor's insurance shall not be construed as relieving PGCS from any
liability or obligation assumed under this contract or imposed by law.
The Monroe County Board of County Commissioners, its employees and officials will be included as "Additional
Insured" on all policies, except for Workers' Compensation.
Any deviations from these General Insurance Requirements must be requested in writing on the County prepared
fonn entitled "Request for Waiver of Insurance Requirements" and approved by Monroe County Risk
Management.
GENERAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT WORKERS' COMPENSATION TPA
BETWEEN
MONROE COUNTY, FLORIDA
AND
PREFERRED GOVERNMENTAL CLAIMS SOLUTIONS
Prior to the commencement of work governed by this contract, the Contractor shall obtain General Liability
Insurance. Coverage shall be maintained throughout the life of the contract and include, as a minimum:
· Premises Operations
· Products and Completed Operations
· Blanket Contractual Liability
· Personal Injury Liability
· Expanded Definition of Property Damage
The minimum limits acceptable shall be:
$300,000 Combined Single Limit (CSL)
If split limits are provided, the minimum limits acceptable shall be:
$100,000 per Person
$300,000 per Occurrence
$ 50,000 Property Damage
An Occurrence Form policy is preferred. If coverage is provided on a Claims Made policy, its provisions should
include coverage for claims filed on or after the effective date of this contract. In addition, the period for which
claims may be reported should extend for a minimum of twelve (12) months following the acceptance of work by
the County.
The Monroe County Board of County Commissioners shall be named as Additional Insured on all policies issued to
satisfy the above requirements.
VEmCLE LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT WORKERS' COMPENSATION TPA
BETWEEN
MONROE COUNTY, FLORIDA
AND
PREFERRED GOVERNMENTAL CLAIMS SOLUTIONS
Recognizing that the work governed by this contract requires the use of vehicles, the Contractor, prior to the
commencement of work, shall obtain Vehicle Liability Insurance. Coverage shall be maintained throughout the life
of the contract and include, as a minimum, liability coverage for:
· Owned, Non-Owned, and Hired Vehicles
The minimum limits acceptable shall be:
$100,000 Combined Single Limit (CSL)
If split limits are provided, the minimum limits acceptable shall be:
$ 50,000 per Person
$100,000 per Occurrence
$ 25,000 Property Damage
The Monroe County Board of County Commissioners shall be named as Additional Insured on all policies issued to
satisfY the above requirements.
WORKERS' COMPENSATION
INSURANCE REQUIREMENTS
FOR
CONTRACT WORKERS' COMPENSATION TPA
BETWEEN
MONROE COUNTY, FLORIDA
AND
PREFERRED GOVERNMENTAL CLAIMS SOLUTIONS
Prior to the commencement of work governed by this contract, the Contractor shall obtain Workers' Compensation
Insurance with limits sufficient to respond to Florida Statute 440.
In addition, the Contractor shall obtain Employers' Liability Insurance with limits of not less than:
$100,000 Bodily Injury by Accident
$500,000 Bodily Injury by Disease, policy limits
$100,000 Bodily Injury by Disease, each employee
Coverage shall be maintained throughout the entire term of the contract.
Coverage shall be provided by a company or companies authorized to transact business in the state of Florida and
the company or companies must maintain a minimum rating of A-VI, as assigned by the A.M. Best Company.
If the Contractor has been approved by the Florida's Department of Labor, as an authorized self-insurer, the County
shall recognize and honor the Contractor's status. The Contractor may be required to submit a Letter of
Authorization issued by the Department of Labor and a Certificate of Insurance, providing details on the
Contractor's Excess Insurance Program.
If the Contractor participates in a self-insurance fund, a Certificate of Insurance will be required. In addition, the
Contractor may be required to submit updated fmancial statements from the fund upon request from the County.
PROFESSIONAL LIABILITY
INSURANCE REQUIREMENTS
FOR
CONTRACT WORKERS' COMPENSATION TPA
BETWEEN
MONROE COUNTY, FLORIDA
AND
PREFERRED GOVERNMENTAL CLAIMS SOLUTIONS
Recognizing that the work governed by this contract involves the furnishing of advice or services
of a professional nature, the Contractor shall purchase and maintain, throughout the life of the
contract, Professional Liability Insurance which will respond to damages resulting from any
claim arising out of the performance of professional services or any error or omission of the
Contractor arising out of work governed by this contract.
The minimum limits of liability shall be:
$1,000,000 per Occurrence/$2,000,000 Aggregate
EMPLOYEE DISHONESTY
INSURANCE REQUIREMENTS
FOR
CONTRACT WORKERS' COMPENSATION TPA
BETWEEN
MONROE COUNTY, FLORIDA
AND
PREFERRED GOVERNMENTAL CLAIMS SOLUTIONS
The Contractor shall purchase and maintain, throughout the term of the contract, Employee Dishonesty
Insurance which will pay for losses to County property or money caused by the fraudulent or dishonest
acts of the Contractor's employees or its agents, whether acting alone or in collusion of others.
The minimum limits shall be:
$250,000 per Occurrence
PUBLIC ENTITY CRIME STATEMENT
"A person or affiliate who has been placed on the convicted vendor list
following a conviction for public entity crime may not submit a bid on a
contract to provide any goods or services to a public entity, may not submit a
bid on a contract with a public entity for the construction or repair of a public
building or public work, may not submit bids on leases of real property to
public entity, may not be awarded or perform work as a contractor, supplier,
subcontractor, or consultant under a contract with any public entity, and may
not transact business with any public entity in excess of the threshold amount
provided in Section 287.017, for CATEGORY TWO for a period of36
months from the date of being placed on the convicted vendor list."