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Item O09 09 BOARD OF COUNTY COMMISSIONERS COUNTY of MONROE Mayor Craig Cates,District 1 The Florida Keys Mayor Pro Tern Holly Merrill Raschein,District 5 Michelle Lincoln,District 2 James K.Scholl,District 3 David Rice,District 4 Board of County Commissioners Meeting July 19, 2023 Agenda Item Number: 09 2023-1251 BULK ITEM: No DEPARTMENT: County Attorney TIME APPROXIMATE: STAFF CONTACT: Brian Bradley no AGENDA ITEM WORDING: Approval to renew Airport Liability Insurance with Ace Property and Casualty Ins. Co. through Arthur J. Gallagher; and authorization for Risk Manager to sign any and all necessary documents to bind coverage. ITEM BACKGROUND: The County's airport liability insurance policy with ACE Property and Casualty Ins. Co. (ACE) expires on July 27, 2023. The County's airport liability insurance policy provides specialized liability coverage for airport operations at Key West International Airport and the Marathon/Florida Keys International Airport above and beyond the County's normal liability policy through Florida Municipal Insurance Trust, including premises and personal injury liability, hangar keepers liability coverage, non-owned aircraft coverage, and liquor liability coverage. The proposed coverage through ACE provides $100,000,000.00 in liability coverage for airport operations in Key West and Marathon. The ACE policy offers TRIA(Terrorism Risk Insurance Act) and War coverage. The County has previously purchased these coverages in the last renewal and is recommending the purchase again due to the higher number of passengers passing through the airport and the relatively modest cost for the additional coverage. The total premium will therefore be $69,090.80 (+11.1%). PREVIOUS RELEVANT BOCC ACTION: Approved: 6/15/2022: $62,145.00 CONTRACT/AGREEMENT CHANGES: Premium increase of 11.1%. The 2023/24 policy will have two exclusions that were not in the 2022/23 policy. 4945 AAP 316 (02/21) Exclusion -Access or Disclosure of Confidential or Personal Information Advertising Injury or Personal Injury AAP 317 (01/22) Exclusion - Perfluorinated Chemicals STAFF RECOMMENDATION: Approval. DOCUMENTATION: FINAL MCBOCC Airport Liability Renewal Proposal.pdf Client Authorization to Bind.pdf TRIA form.pdf 01 Airport Owners and Operators Liability Insurance full policy.pdf FINANCIAL IMPACT: Effective Date: 7/27/2023 Expiration Date: 7/27/2024 Total Dollar Value of Contract: $69,090.80 Total Cost to County: $69,090.80 Current Year Portion: Budgeted: Yes Source of Funds: 404-63001 CPI: Indirect Costs: Estimated Ongoing Costs Not Included in above dollar amounts: Revenue Producing: If yes, amount: Grant: County Match: Insurance Required: No 4946 ii I Il�ilil 1� �y � i IIII iui��" ✓Jy' /i �'�/viol "I/�PJ��I/r%�%//l/�/✓ ✓////r✓i �� ' �'l�rfr�al%�Gr//,i t r� i 01 Gallagher Insurance Rusk Management Consulting 4947 llli�l Monroe County Board of Commissioners LJ ll r 11 11 r ff a r We appreciate the opportunity to quote the Airport Liability for the County. This proposal is a summary of policy terms and conditions. Attached is the carrier quote for your review as well. • We have been able to achieve renewal goals by negotiating your renewal with the incumbent carrier. • The increase in premium is due to general risk factors for the aviation/aerospace market. • There has been development in your losses. A current loss run is attached. • We have negotiated with additional markets this year to find the best policy premiums and terms for you are with your current carrier. Carrier Response Chubb/ACE-incumbent Quoted Old Republic No Response Starr Aviation No Response AIG Aviation Not Competitive It is recommended that you consider purchasing coverage for the following,which are not included in your insurance program: • TRIA and War—was accepted last year • Cyber Liability We are not aware of any changes in your exposures to loss, nor are we aware of any changes in your business operations that would necessitate additional coverage options. Please notify us immediately if you are planning any new business operations. The values and schedules are per the expiring policy or the information you have previously provided. It is your responsibility to notify us of all necessary changes to your schedules Information contained in this proposal is intended to provide a brief overview of coverages. It should be used for reference purposes only. It is not intended to provide a full list of policy exclusions, limitations, and conditions. The provided quotes should be reviewed for further details. Coverage afforded to you is subject to all terms, conditions, and exclusions of the bound and issued policies. To Bind Coverage: Please refer to the attachment document titled, "Client Authorization to Bind Coverage": • Note any changes you desire to be made • Place a check mark next to the coverage(s)you wish to accept • Date and Sign • Return prior to the effective date of coverage Thank you for allowing Gallagher to service your insurance needs.We appreciate your business and look forward to working with you in the coming year. Please contact me if you have any questions. Sincerrely, Y ? Kathy Hill Client Service Manager Senior Enclosure ON Monroe County Board of Commissioners RIslkwanagwmwmt IcQnsvwng �� . . ~~. . ..~~. . . ~~ ~~. . .. . .~~. y The estimated program cost for the options are outlined in the following table: Airport Liability War and TRIA $6,857.00 $7,544.00 Estimated Cost* $62,143.98 $69,090.80 *Estimated Cost includes all taxes,fees,surcharges and TRIA premium(if applicable) Premiums are due and payable as billed and may be financed,subject to acceptance by an approved finance company. Following acceptance,completion(and signature)of a premium finance agreement with the specified down payment is required. Note: Unless prohibited by law, Gallagher may earn compensation for this optional value-added service. Gallagher is responsible for the placement of the following lines of coverage:Airport Liability, Benefits miscellaneous Crime, Liability Extended Reporting Period It is understood that any other type of exposure/cove rage is either self-insured or placed by another brokerage firm other than Gallagher. If you need help in placing other lines of coverage or covering other types of exposures, please contact your Gallagher representative. ',J � U � n �� n�� Note: Any onnq/ not named in this proposal may not be an msunao entity. This may /no/uooamnanes. suosm/anoo. LLCo, partnerships, and joint ventures. Monroe County Board of Commissioners We approached the following carriers in an effort to provide the most comprehensive and cost effective insurance program. 1� ��\01�111111�111111�01@I Iltlllltll ��11�11�11111�11111�1111010�11�IDS�1\D��\��\�1��1 II 11 111111 \101�1�11��110.o� �111�111��0 ACE Property and Casualty Insurance Airport Liability Company (A++ XV) Quoted Admitted If shown as an indication,the actual premium and acceptance of the coverage requested will be determined by the market after a thorough review of the completed application. "Gallagher companies use AM Best rated insurers and the rating listed above was verified on the date the proposal document was created. Best's Credit RatingsTm reproduced herein appear under license from AM Best and do not constitute,either expressly or impliedly, an endorsement of Gallagher's service or its recommendations.AM Best is not responsible for transcription errors made in presenting Best's Credit RatingsTM. Best's Credit RatingsTm are proprietary and may not be reproduced or distributed without the express written permission of AM Best. A Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. Best's Credit RatingsTm are under continuous review and subject to change and/or affirmation. For the latest Best's Credit RatingsTm and Guide to Best's Credit Ratings,visit the AM Best website at.http-://www.amb�est.com/ratings. "'If coverage placed with a non-admitted carrier, it is doing business in the state as a surplus lines or non-admitted carrier,and is neither subject to the same regulations as an admitted carrier nor do they participate in any state insurance guarantee fund. Gallagher companies make no representations and warranties concerning the solvency of any carrier, nor does it make any representation or warranty concerning the rating of the carrier which may change. i 4 �ll��llllllll�" Monroe County Board of Commissioners ii�w� III III lii III III lii III a`r!,o IYgW✓,I vE '9,"Yri ,r i,9,: Carrier Information ACE Property and Casualty Insurance Company Payment Plan Full annual premium due upon binding Payment Method Agency Bill Airport Liability Premium $60,340.00 TRIA&War combined (Additional) $7,544.00 FIGA $1,206.80 Estimated Cost $69,090.80 Exposure Per applications completed and signed Auditable/Frequency Not Auditable. Each Occurrence/Offense In Respect Of Bodily Injury, Personal And Advertising Injury $100,000,000 And Property Damage Combined Products-Completed Operations Annual Aggregate Limit $100,000,000 Personal Injury and Advertising Injury Annual Aggregate Limit $50,000,000 Malpractice Annual Aggregate Limit $50,000,000 Fire Damage Limit Any One Fire $250,000 Medical Expense Limit Any One Person $25,000 Hangarkeepers not"in flight' Limit Any One $100,000,000 Occurrence Hangarkeepers not"in flight' Limit Any One $100,000,000 Aircraft Non-Owned Aircraft Liability Limit Any One $100,000,000 Occurrence Form Type Occurrence r.;f,, icy ,. 'tif r�,,u,o� �r:� �i i„r, � r,'r-,f,..-�i,l/,� i Excess Automobile Liability (off premises) excess of$5,000,000 any one $50,000,000 accident/occurrence Excess Automobile Liability(off premises) excess of$5,000,000 any one $50,000,000 accident/occurrence (r' r or ,i„ley a ;i; r�`r,i ,i .Ga✓e �� Significant policy endorsements include, but are not limited to,those listed on the attached quote/policy form/endorsements. 71 Significant policy exclusions include, but are not limited to,those listed on the attached quote/policy form/endorsements. None o,qp„ aR.a' i.7 777 None ,11[`�,',',',f,,11 Defense Cost Outside The Policy Limits �a,Q Subject To -Signed Chubb/ACE TRIA disclosure form -Written Authorization to bind coverage i 5 �ll��llllllll�" Monroe County Board of Commissioners ��U ^ �� ^ �� U^ �� n ^��n �� \y n ��n��\y � �� Immediately report all claims. Each insurer requires notice of certain types of claims depending on the potential exposure or particular injury types. It is important to thoroughly review your policy to ensure you are reporting particular incidents and daimo, based upon the insurer's policy requirements. If you are using a third party administrator("TPA"), your TPA may or may not report claims to an insurer on your behalf.Although we will assist you where requested, it is important that you understand whether your TPA will be completing this notification. Reporting Direct to Carrier[Only When Applicable] Insurer:ACE Property and Casualty Insurance Insurer Name:ACE Property and Casualty Insurance Company Company Phone: 702-998-3902 Reporting to Gallagher or Assistance in Reporting Monroe County Board of Commissioners s U �no s u�re s The following disclosures are hereby made apart of this proposal. Please review these disclosures prior to signing the Client Authorization to Bind or e-mail confirmation. Proposal Disclaimer IMPORTANT:The proposal and/or any executive summaries outline certain terms and conditions of the insurance proposed Uy the insurers, based on the information provided by your company. The insurance policies themselves must be read to fully understand the terms, coverages, Exclusions including but not limited to:. limitations and/or conditions of the actual policy contract ofinsurance. Policy forms will be made available upon request. We make no warranties with respect to policy limits or coverage considerations of the carrier. Compensation Disclosure 1 Gallagher Companies are primarily compensated from the usual and customary oommissions,fees or,where permitted, a combination of both,for brokerage and servicing of insurance po|ioios, annuity oontraots,guarantee contracts and surety bonds(collectively"insurance coverages")handled for a client's account,which may vary based on market conditions and the insurance product placed for the client. 2. In placing, renewing, consulting on or servicing your insurance coverages, Gallagher companies may participate in contingent and supplemental commission arrangements with intermediaries and insurance companies that provide for additional compensation if certain undonwridng, prcfitabi|ity,volume or retention goals are achieved. Such goals are typically based on the total amount of certain insurance coverages placed by Gallagher with the insurance oompany, not on an individual policy basis. Asa result, Gallagher may bo considered to have an incentive to place your insurance coverages with a particular insurance company. If you do not wish to have your commercial insurance placement included in consideration for additional oommonsadon, contact your producer or service team for an OpL'outform. 3. Gallagher Companies may receive investment income on fiduciary funds temporarily held by them, or from obtaining or generating premium finance quotes, unless prohibited by law. 4. Gallagher Companies may also access or have an ownership interest in other facilities, including wholesalers, reinsurance intermediaries, captive managers, underwriting managers and others that act as intermediaries for both Gallagher and other brokers in the insurance marketplace some of which may earn and retain customary brokerage commission and fees for their work. If you have specific questions about any compensation received by Gallagher and its affiliates in relation to your insurance placements, please contact your Gallagher representative for more details. TR]/VTR|PRAD|su|aimer If this proposal contains options to purchase TRIA/TRIPRA coverage,the proposed TRIA/TRIPRA program may not cover all terrorism losses.While the amendments toTR|A eliminated the distinction between foreign and domestic acts of torrorism, a number of lines of coverage excluded under the amendments passed in 2005 remain excluded including commercial automobi|o, burglary and theft insurance-,surety insuranoo,farm owners multiple perils and professional liability (although directors and officers liability is specifically included). If such excluded coverages are required,we recommend that you consider purchasing a separate terrorism policy. Please note that a separate terrorism policy for these excluded coverages may bonecessary to satisfy loan covenants or other contractual obligations.TR|PRA includes a*1UU billion cap on insurers'aggregate liability. TR|PRAisset to expire on December 31.2U27 There isno certainty of extension,thus the coverage provided byyour insurers may or may not extend beyond December 31,2027. In the event you have loan covenants or other contractual obligations requiring that TR|A/TR|PRAbo maintained throughout the duration of your policy period,wo recommend that a separate~'Stand Alone~'terrorism policy bo purchased tosatisfy those obligations. Property Estimator Disclaimer These property values were obtained using a desktop Property Estimator software operated by non-appraisal professionals. These property values represent general estimates which are not toboconsidered a certified appraisal.These property values include generalities and assumptions that may produceinaccurate valuesfor specific Terms and Conditions Monroe County Board of Commissioners It is important that we clearly outline the nature of our mutual relationship.The following terms and conditions(these"Terms") govern your relationship with Gallagher unless you have separately entered into a written services agreement with Gallagher relative to the policies and services outlined in this Proposal, in which case that services agreement will govern and control with respect to any conflicts with these Terms. These Terms will become effective upon your execution of the Client Authorization to Bind Coverage (the "CAB") included in this Proposal and shall survive for the duration of your relationship with Gallagher relative to the policies placed pursuant to the CAB or otherwise at your request. Services Gallagher will represent and assist you in all discussions and transactions with insurance companies relating to the lines of insurance coverage set forth in the CAB and any other lines of insurance coverage with which you request Gallagher's assistance. Gallagher will consult with you regarding any matters involving these or other coverages for which you have engaged Gallagher. You have the sole discretion for approving any insurance policies placed, as well as all other material decisions involving your risk management, risk transfer and/or loss prevention needs. Although you are responsible for notifying applicable insurance companies directly in connection with any claims, demands, suits, notices of potential claims or any other matters as required by the terms and conditions of your policies, Gallagher will assist you in determining applicable claim reporting requirements. Treatment of Information Gallagher understands the need to protect the confidentiality and security of your confidential and sensitive information and strives to comply with applicable data privacy and security laws. Your confidential and sensitive information will be protected by Gallagher and only used to perform services for you; provided that Gallagher may disclose and transfer your information to our affiliates,agents or vendors that have a need to know such information in connection with the provision of such services (including insurance markets, as necessary, for marketing,quoting, placing and/or servicing insurance coverages). We may also disclose such information as required by applicable data protection laws or the order of any court or tribunal, subject to our providing you with prior notice as permitted by law. We will (i)implement appropriate administrative, physical and technical safeguards to protect personal information; (ii)timely report security incidents involving personal information to affected parties and/or regulatory bodies; (ill) create and maintain required policies and procedures; and (iv) comply with data subjects' rights, as applicable. To the extent applicable under associated data protection laws,you are a"business"or"controller"and Gallagher is a"service provider"or"data processor." You will ensure that any information provided to Gallagher has been provided with any required notices and that you have obtained all required consents, if any and where required, or are otherwise authorized to transfer all information to Gallagher and enable Gallagher to process the information for the purposes described in this Proposal and as set forth in Gallaher's Privacy Policy located at_ht_tps://www.ajq.com/privacy-policy/. Gallagher may update its Privacy Policy from time to time and any updates will be posted to such site. Dispute Resolution Gallagher does not expect that it will ever have a formal dispute with any of its clients. However, in the event that one should arise,we should each strive to achieve a fair,expedient and efficient resolution and we'd like to clearly outline the resolution process. A. If the parties have a dispute regarding Gallagher's services or the relationship governed by this Proposal ("Dispute"), each party agrees to resolve that Dispute by mediation. If mediation fails to resolve the Dispute,you and Gallagher agree to binding arbitration. Each party waives all rights to commence litigation in court to resolve a Dispute, and specifically waives all rights to pursue relief by class action or mass action in court or through arbitration. However, the parties do not waive the ability to seek a court order of injunction in aid of the mediation and arbitration required by these Terms. B. The party asserting a Dispute must provide a written notice("Notice")of the claim to the other party and to the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules and Mediation Procedures. All Dispute resolutions will take place in Chicago, IL, unless you and Gallagher agree to another location. The parties will equally divide all costs of the mediation and arbitration proceedings and will each pay their own attorneys' fees. All matters will be before a neutral,impartial and disinterested mediator or arbitrator(s)that have at least 20 years'experience in commercial and insurance coverage disputes. C. Mediation will occur within sixty (60) days of filing the Notice with the AAA. Mediation results will be reduced to a memorandum of understanding signed by you, Gallagher and the mediator. A Dispute that is not resolved in mediation will commence to binding arbitration. For Disputes in excess of$500,000, either party may elect to have the Dispute heard by a panel of three (3) arbitrators. The award of the arbitrator(s) must be accompanied by a reasoned opin o Monroe County Board of Commissioners prepared and signed by the arbitrator(s). Except as may be required by law, neither you, Gallagher, nor a mediator or arbitrator may disclose the existence, content or results of any Dispute or its dispute resolution proceeding without the prior written consent of both you and Gallagher. Electronic Delivery In lieu of receiving documents in paper format,you agree, to the fullest extent permitted by law,to accept electronic delivery of any documents that Gallagher may be required to deliver to you (including, but not limited to, insurance policies and endorsements,account statements and all other agreements,forms and communications)in connection with services provided by Gallagher. Electronic delivery of a document to you may be made via electronic mail or by other electronic means,including posting documents to a secure website. Miscellaneous Terms Gallagher is engaged to perform services as an independent contractor and not as your employee or agent, and Gallagher will not be operating in a fiduciary capacity. Where applicable, insurance coverage placements and other services may require the payment of federal excise taxes, surplus lines taxes, stamping or other fees to the Internal Revenue Service, various State(s)departments of revenue, state regulators, boards or associations. In such cases, you will be responsible for the payment of the taxes and/or fees, which Gallagher will separately identify on related invoices. The Proposal and these Terms are governed by the laws of the State of Illinois,without regard to its conflict of law rules. If an arbitrator/court of competent jurisdiction determines that any provision of these Terms is void or unenforceable, that provision will be severed, and the arbitrator/court will replace it with a valid and enforceable provision that most closely approximates the original intent, and the remainder of these Terms will remain in effect. Except to the extent in conflict with a services agreement that you may enter into with Gallagher, these Terms and the remainder of the Proposal constitute the entire agreement between you and Gallagher with respect to the subject matter of the Proposal, and supersede all prior negotiations, agreements and understandings as to such matters. mo 9 �ll��llllllll�" Monroe County Board of Commissioners �� ^ �� ^ ��^ U Sc','[ �� U �� "� �� n�� n n��ne Client Name: Monroe County Board ofCommissioners ACE Property and $60,340.00 Airport Liability Casualty Insurance $7,544 TRIA/War 7.5% 7.5% Company 1 We were able to obtain more advantageous terms and conditions for you through an intermediary/wholesaler. 2 If the premium is shown as an indication:The premium indicated is an estimate provided by the market.The actual premium and acceptance of the coverage requested will be determined by the market after a thorough review of the completed application. A verbal quotation was received from this carrier.We are awaiting a quotation in writing. a The commission rate|ea percentage or annual premium excluding taxes ufees. Gallagher is receiving_%commission on this policy.The fee due Gallagher will be reduced by the amount of the commissions received. Monroe County Board of Commissioners � �� ^ �^ � ��^ �� ^��nn�� Coverage � After careful consideration of Gallagher's proposal dated 06/28/2023,we accept the following coverage(s). Please check the desired oovorago(o)and note any coverage amendments below: Airport Liability-$60,340.00 0 Accept 0 Reject ACE Property and Casualty 0 Accept 0 Reject TRIANVar(Additional): $7,544.00 Insurance Company Additional Recommended Coverages Gallagher recommends that you purchase the following additional coverages for which you have exposure. By checking the box(es) below, you are requesting that Gallagher provide you with a Proposal for this coverage. By not requesting a Proposal for this oovorago, you assume the risk of any uncovered loss. OCyborLiability The above coverage(s)does not necessarily represent the entirety of available insurance products. If you are interested in pursuing additional coverages other than those listed in the Additional Recommended Coverages, please list below: Other Services hmConsider El Yes El No CORE300`MGTEP El Yes ONo—oRiokHub Exposures and Values You confirm the paym||, va|uoo, oohodu|oo, and any other information pertaining to your operations, and submitted tothe undomvritoro,were compiled from information provided by you If no updates were provided to Gallagher,the va|uoo, exposures and operations used were based on the expiring policies.You acknowledge itio your responsibility to notify Gallagher of any material change in your operations or exposures. Monroe County Board of Commissioners Additional Terms and Disclosures Gallagher is not an expert in all aspects of your business. Gallagher's Proposals for insurance are based upon the information concerning your business that was provided to Gallagher by you. Gallagher expects the information you provide is true, correct and complete in all material respects. Gallagher assumes no responsibility to independently investigate the risks that may be facing your business, but rather have relied upon the information you provide to Gallagher in making our insurance Proposals. Gallagher's liability to you arising from any of Gallagher's acts or omissions will not exceed $20 million in the aggregate. The parties each will only be liable for actual damages incurred by the other party, and will not be liable for any indirect, special, exemplary, consequential, reliance or punitive damages. No claim or cause of action, regardless of form (tort, contract,statutory, or otherwise), arising out of, relating to or in any way connected with the Proposal, any of Gallagher's services or your relationship with Gallagher may be brought by either party any later than two (2)years after the accrual of the claim or cause of action. Gallagher has established security controls to protect Client confidential information from unauthorized use or disclosure. For additional information, please review Gallagher's Privacy Policy located at https://www.aig.com/privacy-policy/. You have read, understand and agree that the information contained in the Proposal and all documents attached to and incorporated into the Proposal, is correct and has been disclosed to you prior to authorizing Gallagher to bind coverage and/or provide services to you. By signing below, or authorizing Gallagher to bind your insurance coverage through email when allowed, you acknowledge you have reviewed and agree with terms, conditions and disclosures contained in the Proposal. By: Print Name(Specify Title) Monroe County Board of County Commissioners Company Signature Date: i 12 �ll��llllllll�" i i r,mv,;d kry h ICx 61MI i l 0'11:rn'7 C H U E3 Sew 555 S. Flower Street, 3rd Floor, Los Angeles, CA, 90071 Tel 213-612-5360 Fax 213-612-5731 TO: Robin Camacho FROM: Rosalind Doby ARTHUR J GALLAGHER RISK MANAGEMENT SERVICES INC, Las Vegas, Nevada, 89144 EMAIL: robin_camacho@ajg.com DATE SENT: June 22, 2023 SUBJECT: Monroe County Board of County Commissioners, Monroe County Board of County Commission COMMENTS: We have pleasure in enclosing our Airport Owners and Operators quotation(s) in respect of the referenced Insured. Commission to your office is as follows: 15.00% Thank you for the opportunity to provide you with this quotation. Best Regards, Rosalind Doby 4959 555 S. Flower Street, 3rd Floor C H U E3 E3' Los Angeles, CA 90071 Tel 213-612-5360 Fax 213-612-5731 TO: Robin Camacho FROM: Rosalind Doby ARTHUR J GALLAGHER RISK MANAGEMENT SERVICES INC Las Vegas, Nevada 89144 RISK ID: 231840 EMAIL: robin_camacho@ajg.com DATE SENT: June 22, 2023 AIRPORT OWNERS AND OPERATORS LIABILITY QUOTATION WITH ACE PROPERTY AND CASUALTY INSURANCE COMPANY (AA S&P, A++ BEST) In accordance with your request, we are pleased to provide the following quotation: Please read this Quotation carefully, as the limits, coverage and other terms and conditions may vary significantly from those requested in your submission and/or from the expiring policy. Terms and conditions that are not specifically mentioned in this Quotation are not included. The terms and conditions of this Quotation supersede the submitted insurance specifications and all prior proposals and binders. Actual coverage will be provided by and in accordance with the policy as issued. The insurer is not bound by any statements made in the submission purporting to bind the insurer unless such statement is reflected in the policy or in an agreement signed by someone authorized to bind the insurer. This Quotation has been constructed in reliance on the data provided in the submission. A material change or misrepresentation of that data voids this Quotation. This quotation is not a binder of insurance. In no event will this quotation remain open beyond 30 days from the quote issuance date shown above or the coverage effective date, whichever comes first. This quotation is subject to the Assured's producer being duly licensed in his/her resident state; in addition, the producer must hold a non-resident license in the state in which the Assured is domiciled if different from the producer's resident state. NAMED Monroe County Board of County Commissioners, all elected or appointed officials and officers INSURED: including employees,volunteers, licensees, permittees and any individual or organization required by statute,agreement,contract or lease or other circumstances including all existing or newly created boards,committees and their members. NAMED 1111 12th Street INSURED'S 4th FI Professional Bldg ADDRESS: Key West, Florida, 33040 Page 1 of 4 4960 PERIOD: From: July 27, 2023 To: July 27, 2024 both days at 12:01 a.m. Local Time at the address of the Named Insured INTEREST: The Insured's legal liability to which this policy applies, arising out of the Insured's Airport operations at the following airport location(s): F.A.A. ID State Name EYW FL Key West International Airport, Key West, FL MTH FL Florida Keys - Marathon Airport, Marathon, FL SUM $100,000,000 each occurrence/offense in respect of Bodily Injury, Personal and Advertising Injury INSURED: and Property Damage combined, subject to the following limitations: Products-Completed Operations Annual Aggregate Limit. . . . . . . . . . . . . . . . . . . . . . . . $100,000,000 Personal Injury and Advertising Injury Annual Aggregate Limit. . . . . . . . . . . . . . . . . . . $50,000,000 Malpractice Annual Aggregate Limit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50,000,000 Extended Coverage—War, Hi-jacking and Other Perils Annual Aggregate Limit. . . . . . Not Insured Fire Damage Limit Any One Fire. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $250,000 Medical Expense Limit Any One Person. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25,000 Hangarkeepers not "in flight" Limit Any One Occurrence. . . . . . . . . . . . . . . . . . . . . . . . $100,000,000 Hangarkeepers not "in flight" Limit Any One Aircraft. . . . . . . . . . . . . . . . . . . . . . . . . . . $100,000,000 Non-Owned Aircraft Liability Limit Any One Occurrence. . . . . . . . . . . . . . . . . . . . . . . . . $100,000,000 Excess Automobile Liability(off premises) $50,000,000 excess of$5,000,000 any one accident/occurrence Excess Employers Liability (excluding disease) $50,000,000 excess of$1,000,000 any one accident/occurrence DEDUCTIBLE: Nil Each Occurrence or offense, but not to exceed Nil annual aggregate CONDITIONS: The Airport Owners and Operators General Liability Policy contains, inter alia, the following exclusion clauses: War, Hi-Jacking and Other Perils Exclusion Clause Noise, Pollution and other Perils Exclusion Clause The policy is also subject to the following: 90 days notice of cancellation, non-renewal or reduction in coverage by Insurer, but 10 days notice for non-payment of premium. This provision does not override the Automatic Termination review or cancellation provisions of endorsements AAP 203 or AAP 237. The policy may be cancelled or nonrenewed subject to the terms of the following endorsement AAP FL(11/99) Florida Changes-Cancellation and Nonrenewal Page 2 of 4 4961 Schedule of Policy Forms applicable to airports and locations Florida in: Form Reference Title and Edition AAP 200(05-22) Airport Owners and Operators General Liability Policy-Jacket AAP 201 (11/99) Airport Owners and Operators General Liability Policy- Declarations AAP 2015(11/99) Airport Owners and Operators General Liability Policy-Schedule of Endorsements AAP 202 (11/99) Airport Owners and Operators General Liability Policy- Policy Provisions AAP 203 (02/08) Extended Coverage-War, Hi-jacking and Other Perils Endorsement AAP 204-FL(01/05) Amendment of Noise and Pollution and Other Perils Exclusion AAP 206(11/99) Extension - Broad Designated Airmeet, Contest or Exhibition Endorsement AAP 211 (03/09) Extension-Specific Excess Automobile Liability Insurance AAP 220(11/99) Immunity Waiver Endorsement AAP 227 (03/09) Extension-Specific Excess Employers Liability Insurance AAP 228(11/99) Cancellation Notification Change AAP 234(11/99) Airport Limited Enhanced Coverage Endorsement AAP 237 (11/99) Nuclear Risks Exclusion Clause AAP 248(11/99) Volunteers Endorsement AAP 255 (03/08) Date Recognition Limited Coverage Endorsement AAP 256(11/99) Date Recognition Exclusion Endorsement AAP 267-FL(01/05) Fungi or Bacteria Exclusion - Florida AAP 268-FL(01/05) Asbestos or Asbestos-Containing Materials or Products Exclusion Endorsement- Florida AAP 270-FL(02/16) Certified Acts of Terrorism; Cap on Losses from Certified Acts of Terrorism Endorsement- Florida AAP 271 (01/05) Definition of"Bodily Injury" Endorsement AAP 273-FL(01/05) Amendment of Noise and Pollution and Other Perils Exclusion Endorsement- Florida AAP 277-FL(01/06) Silica Exclusion AAP 306(03/08) Infringement of Copyright, Patent,Trademark or Trade Secret Endorsement AAP 307 (03/08) Amendment to Supplementary Payments (Court Cost) Endorsement AAP 316(02/21) Exclusion-Access or Disclosure of Confidential or Personal Information - Advertising Injury or Personal Injury AAP 317 (01/22) Exclusion— Perfluorinated Chemicals ALL-20887 (10/06) ACE Producer Compensation Practices & Policies ALL-21101 (11/06) Trade or Economic Sanctions Endorsement ALL-5X45 (11/96) Questions About Your Insurance IL P 001 (01/04) U.S.Treasury Departments' Office of Foreign Assets Control ("OFAC") Advisory Notice to Policyholders MS-264782 (06/21) Changes to Liquor Liability Exclusion As Expiring Page 3 of 4 4962 TR-19604e (08/20) Notice Of Terrorism Insurance Coverage ANNUAL GL Premium: $60,340 ANNUAL TRIA Premium: $6,035 ANNUAL WAR Premium: $6,035 reducing to $1,509 if TRIA coverage also purchased. The War and TRIA coverages and premiums are quoted on an "if required" basis and may be rejected by the insured. Taxes/Fees will be charged in addition to premiums for airports and locations in subject jurisdictions as follows TAXES, ETC.: 1.30% Florida Insurance Guaranty Association (FIGA) 2022 Regular Assessment Surcharge 2022-B 0.70% Florida Insurance Guaranty Association (FIGA) 2023 Regular Assessment Surcharge Please note that you do not have authority to bind the above insurance. Please contact us if you wish to bind this insurance. We look forward to receiving your instructions and thank you for your inquiry. On behalf of ACE Property and Casualty Insurance Company By a... :. ...,a Authorized Representative Page 4 of 4 4963 CHUBB° POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE You are hereby notified that under the Terrorism Risk Insurance Act, as amended, you have a right to purchase insurance coverage for losses resulting from acts of terrorism. As defined in Section 102(1) of the Act: The term "act of terrorism"means any act or acts that are certified by the Secretary of the Treasury---in consultation with the Secretary of Homeland Security, and the Attorney General of the United States---to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. YOU SHOULD KNOW THAT WHERE COVERAGE IS PROVIDED BY THIS POLICY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM, SUCH LOSSES MAY BE PARTIALLY REIMBURSED BY THE UNITED STATES GOVERNMENT UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. HOWEVER, YOUR POLICY MAY CONTAIN OTHER EXCLUSIONS WHICH MIGHT AFFECT YOUR COVERAGE, SUCH AS AN EXCLUSION FOR NUCLEAR EVENTS. UNDER THE FORMULA, THE UNITED STATES GOVERNMENT GENERALLY REIMBURSES 8o% , OF COVERED TERRORISM LOSSES EXCEEDING THE STATUTORILY ESTABLISHED DEDUCTIBLE PAID BY THE INSURANCE COMPANY PROVIDING THE COVERAGE. THE PREMIUM CHARGED FOR THIS COVERAGE IS PROVIDED BELOW AND DOES NOT INCLUDE ANY CHARGES FOR THE PORTION OF LOSS THAT MAY BE COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT. YOU SHOULD ALSO KNOW THAT THE TERRORISM RISK INSURANCE ACT, AS AMENDED, CONTAINS A $ioo BILLION CAP THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT AS WELL AS INSURERS' LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS $ioo BILLION. IF THE AGGREGATE INSURED LOSSES FOR ALL INSURERS EXCEED $ioo BILLION,YOUR COVERAGE MAY BE REDUCED. Acceptance or Rejection of Terrorism Insurance Coverage I hereby elect to purchase terrorism coverage for a prospective premium of$6'oBti I hereby decline to purchase terrorism coverage for certified acts of terrorism.I understand that I will have no coverage for losses resulting from certified acts of terrorism. Monroe County Board of County Commissioners,Monroe County Board of County Commissio ACE Property and Casualty Insurance Company Policyholder/Applicant's Signature Insurance Company No0985004 020 Print Name Policy Number Date TR-19604e(o8/20) 4964 Monroe County Board of Commissioners � �� ^ �^ � ��^ �� ^��nn�� Coverage � After careful consideration of Gallagher's proposal dated 06/28/2023,we accept the following coverage(s). Please check the desired oovorago(o)and note any coverage amendments below: Airport Liability-$60,340.00 0 Accept 0 Reject ACE Property and Casualty 0 Accept 0 Reject TRIANVar(Additional): $7,544.00 Insurance Company Additional Recommended Coverages Gallagher recommends that you purchase the following additional coverages for which you have exposure. By checking the box(es) below, you are requesting that Gallagher provide you with a Proposal for this coverage. By not requesting a Proposal for this oovorago, you assume the risk of any uncovered loss. OCyborLiability The above coverage(s)does not necessarily represent the entirety of available insurance products. If you are interested in pursuing additional coverages other than those listed in the Additional Recommended Coverages, please list below: Other Services hmConsider El Yes El No CORE300`MGTEP El Yes ONo—oRiokHub Exposures and Values You confirm the paym||, va|uoo, oohodu|oo, and any other information pertaining to your operations, and submitted tothe undomvritoro,were compiled from information provided by you If no updates were provided to Gallagher,the va|uoo, exposures and operations used were based on the expiring policies.You acknowledge itio your responsibility to notify Gallagher of any material change in your operations or exposures. CHUBB° POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE You are hereby notified that under the Terrorism Risk Insurance Act, as amended, you have a right to purchase insurance coverage for losses resulting from acts of terrorism. As defined in Section 102(1) of the Act: The term "act of terrorism"means any act or acts that are certified by the Secretary of the Treasury---in consultation with the Secretary of Homeland Security, and the Attorney General of the United States---to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. YOU SHOULD KNOW THAT WHERE COVERAGE IS PROVIDED BY THIS POLICY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM, SUCH LOSSES MAY BE PARTIALLY REIMBURSED BY THE UNITED STATES GOVERNMENT UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. HOWEVER, YOUR POLICY MAY CONTAIN OTHER EXCLUSIONS WHICH MIGHT AFFECT YOUR COVERAGE, SUCH AS AN EXCLUSION FOR NUCLEAR EVENTS. UNDER THE FORMULA, THE UNITED STATES GOVERNMENT GENERALLY REIMBURSES 8o% , OF COVERED TERRORISM LOSSES EXCEEDING THE STATUTORILY ESTABLISHED DEDUCTIBLE PAID BY THE INSURANCE COMPANY PROVIDING THE COVERAGE. THE PREMIUM CHARGED FOR THIS COVERAGE IS PROVIDED BELOW AND DOES NOT INCLUDE ANY CHARGES FOR THE PORTION OF LOSS THAT MAY BE COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT. YOU SHOULD ALSO KNOW THAT THE TERRORISM RISK INSURANCE ACT, AS AMENDED, CONTAINS A $ioo BILLION CAP THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT AS WELL AS INSURERS' LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS $ioo BILLION. IF THE AGGREGATE INSURED LOSSES FOR ALL INSURERS EXCEED $ioo BILLION,YOUR COVERAGE MAY BE REDUCED. Acceptance or Rejection of Terrorism Insurance Coverage I hereby elect to purchase terrorism coverage for a prospective premium of$6'o�ti I hereby decline to purchase terrorism coverage for certified acts of terrorism.I understand that I will have no coverage for losses resulting from certified acts of terrorism. Monroe County Board of County Commissioners,Monroe County Board of County Commissio ACE Property and Casualty Insurance Company Policyholder/Applicant's Signature Insurance Company Noo985004 020 Print Name Policy Number Date TR-19604e(o8/20) 4966 /„r rrr rrrrrrrrrr„ r i i /�� o� /�//i/i//l r��%i✓�y�i�'��%✓i i t rr r � n�y'�%� l r � rY ✓ lyy� r � �i�nun��!(��VFir°mwb�mr i+rr rya F� � r/ ;y/y+�U1`� 1i�P, 6 G( i r '��`yi;Go �in�a�fm fVjl Nr� I ��J/ i 'i� " g +ffa�I�! iiil�'n�� a,aalfl y°! i ( flea r4i y�rwtrrnr rr� i s r r � / r o rr, rr. r r� r/ r � �� I r l ,fl i 1 9, r r a =, F �, irY ✓>t / r ✓f, ,8 �r r r ��A rk f ✓ u z I y r 7 r N r'r r �r f / u � � �� , 1;",f%`o�a rrr/�� 1 ✓�1�j��N�y! �� , i i � ry,�rr✓"� ryV t✓ a J�,r��/��,,flj�t)'?ra so/r��w��r�a r,r21, I� 1 1 i�!na Y I I 1, �r J li i� l 0 lu,i f r r r, r� a e , r t r f f i u: I b.,Li rr - /r„ i r: i i / r // r r rr i r i i r r r e � I�r /lrr, r , r, r/ �r / / / / r /r /o r /r r r/ r�rr rr ,r reran . f Gallagher l Insurance Risk Management Consulting IIIIIiViiilfl(f1JJ>1JJ�Jf rl rl J, 4967 Monroe County Board of County Commissioners gA*Gallagher OOCORE360" 1 Hl:..". 1::::011 11 OWNG RESIPONSI:..". IS 1PRESI::N"I 11::'D BY:: -,Q r, ac, u u Regional Executive Vice President-Florida Area Senior Vice President Gallagher Global Brokerage Phone:305. 639.3113 Email: zeb holtra)aia.corn Area Senior Vice President Gallagher Global Brokerage Phone:305. 639.3116 Email: jori—van_der—voort@ajg.com Area assistant Vice President Gallagher Global Brokerage Phone:561.998.6785 Email: kathv NIO-aia.corn Arthur J.Gallagher Risk Management Services,Inc. 2255 Glades Road, Suite #240W Boca Raton, FL 33431 OVOVOV 4?' C01,11 Monroe County Board of County Commissioners gA*Gallagher OOCORE360" of C..0 �"[e �"[s Transnittal Letter About Arthur J. Gallagher & Co. 2 Gallagher Loss Control 3 Personnel Experience and Expertise 4 Client List 5 Required Proposal Bid Forms —Airport Ow ners and Operators Liability 6 Required County Forms Signed and Licenses 7 • Confirmation receipt of Addenda #1 • Lobbying and Conflict of Interest Clause —Ethic Clause • Non-Collusion Affidavit • Drug-Free Workplace Form • Public Entity Crime Statement • Local Preference Form —Not Applicable • Oty of Boca business Tax receipt • Agency Business License • Authorization for Zeb Holt to sign the County forms • Florida insurance agent 2-20 Licenses Claim Reporting Locations and Instructions 8 Specimen Policies 9 0 ACE Property and Casualty Insurance Company (Airport Liability) AJGRMS Disclosures 10 • Client Authorization to Bind • Proposed Carrier Ratings and Admitted Status • Important Proposal Disclosures • Compensation Disclosure • Market Review .............. y�� U�tx ��r� nf ��U�tx��0O i�� gA*Gallagher '"' County '= = ~� ^� ~�Commissioners �h_��6�� y�/ �� .�\�� ^�� U U �� ^ � n ��n �� "�� n April 28.2022 Ennmi|gdto: OMB-B|0S@nnonrogmountv-f|.0o* NtIonroo County Board of County Conriooionoro Nbnroo County Purchasing Office 1100Gimonton St., Suite 2'213 Key West, FL 33040 Re: Request for Proposals Airport Owners and Operators Liability Insurance Coverage Effective Date: July 27. 2022 To Whom It May Concern: Our Arthur J. Gallagher Rok Management Services, Inc. team would like to thank Nbnroo County Board of County Commissioners for the opportunity to respond to your "Request for Proposals — Airport Owners and Operators Liability Insurance". VNearoextromo|y p|oaoodwiththo insurance proposal that wo were able tonegotiate fo/thoAirports We confirm our company and servicing team meets and exceeds all requirements of this RFP, including past experience and detailed work experience with public 000to/ o|iontn. and Florida airports in partiou|ar. Gallagher confirms acceptance of the requirements ao described in the Request for Proposals. Additionally, wo confirm receipt of Addendum #1 We believe our firm represents the best qualified firm to continue to provide Nbnroo County expert insurance brokerage oorvi000 for the following reasons: Unmatched Florida Public Sector Aviation Experience—Gallagher is uniquely positioned to continue to assist Wnroe County and the Airports due to our substantial Florida public sector aviation experience. Pease refer to our list of Airport Clients in Section 4. Our Gallagher teams currently service a majority of the Florida municipal aviation authorities. Proven Track Record with Monroe County—Gallagher has along track record with Wnroe County, aswe've 2 worked with the County for over 24 years providing the County comprehensive and cost effective program Gallagher's National Risk Control Team—We havedeveloped specific aviation risk control and loss prevention resources.The County can learn from the successes and challenges ofGallagher's experienceswith other airports as it looks to implement various claims and riskcontrol activities. Public Sector Team Qualifications —Gallagher is the largest broker for public entities across the U.S., providing 4 brokerage services to over 7,000 public entities, including over 200 in Florida. Our Florida team is comprised of over30 individuals and 830+ years of combined public sector experience. This experience has and will be put to workfor Wnroe County to ensure it is continually adapting to new challenges and risks faced. Insurance Market Leader—Gallagher places more than$14 Billion in annual insurance premium per year,and over $1-7 Billion in public sector premium. In Florida, weare the largest property insurance broker, placing over$785M of annual property insurance premiurrs every year. Our firm agrees tobebound by the requirements oftho County mquootaowoUaoby our response.VNe appreciate the opportunity to present the unique capabilities of our team and company to Nbnroo County. Should you have any questions or need further clarification, please don't hesitate to contact us. Best Regards, vmr v �— 8wr "�'^ �~ Jo/i Van der Voort.ARM Kathy HiU, QC Area Senior Vice President Area Assistant Vice President y�� U�tx ��r� nf ��U�tx��0O i�� gA*Gallagher '"' County '= = ~� ^� ~�Commissioners �h_��6�� y�/ �� .�\�� Art[ U �� UU �� Co. � �^ ��K�� n nK�� . ��nn��n n�� n 0erFlxrh laItrwl",era&4 e,I 10m71 Gallagher opened its first office in Florida in 1077. and in the past 44 years our Florida operations have grow n and wonow have nine offices. We have over 40 professionals throughout these offices that specialize in Public Sector and provides services to over 200clients. 00� FLQ�"W A OCATla�� Orlando 200 G. Orango Avenue,Suite 1350. Orlando, FL 32801 Tampa 4350 West Cypress 0reet, Suite 300, Tanpa, FL 33007 ~ Naples 1305 Panther Lano, Suite 100 &210. Naples, FL34100 Jacksonville 12443 San Jose Boulevard, JaokaonviUo, FL32223 Fort Lauderdale 300 GE2nd Gtroot, Guito740. Fort Lauderdale, FL33301 Booa �Raton 2255 (3[ades ad, Suite24()VV oa �Raton, FL 33431 NUani'Omdo 0155G. Omdo|and, Suite 1112, NUani, FL 33150 Fort Myers 12000V0o/|d Raza Lano, Fort Myers, FL33007 lequoota | 2507equoota Cvivo, Suite 300. 7equoota FL 33400 | Founded in1027. Gallagher is headquartered in Rolling Meadows, IL Gallagher io one of the wo/|d's largest insurance brokerage, risk management and consulting firms. Asa community insurance broker and trusted local consultant, woho|p people and businesses move fonwardwith confidence.VWth more than 850offices and 32.000 people wo/Nng around the globe, wo'ro connected to the places w here wodo business and to every community wo call home. Managing risk withouotonizod solutions and a full spectrum of services,helping you foster a thriving workforce,and always holding ourselves to the highest standards of ethics to help you face every challenge for more than 00yoaro—that'oThe Gallagher Way Gallagher is the leading specialist for public 000to/ insurance and risk management in the U.G. Much of our company's growth and ou00000 can be attributed to our innovation of new risk financing strategies and alternatives for our public entity clients. We 000kn to be the leading provider of risk management solutions to public entities and educational organizations, and to be the recognized thought leader in public sector risk management. In the early 1070'o. Gallagher designed the first integrated, multi-line "protected self-insurance" program <a single policy providing both specific and aggregate od This concept was the origin of our growth through the 1970s and 1980s — including the development of many governmental pools aomoo the United States. During the past three decades, Gallagher has been the leader in the fo/nation, design and growth of public entity risk-sharing pools throughout the oountry. Gallagher associates remain on the forefront of public 000to/ risk management — from BRM & ISO 31000 engagements to tailored risk financing structures to address in-pacts of climate change and other emerging risks. Monroe County Board of County Commissioners gA*Gallagher For over 30+ years, Gallagher has dedicated a significant energy and focus to provide insurance brokerage representation to airports and Public Entity aircraft fleet operations in the United States. We currently service over 100 domestic airports from the large hub airport to the small municipally owned and operated airport and many state and local aircraft fleets. The airport ow ner's liability and other public entity clients comprise the largest sector of our entire account list. Our extensive experience in insurance marketing will allow the insured to gain access to the most advantageous placement opportunities. The insurance marketplace is a much-changed landscape as compared to just 18 months ago. The insurance broker must have significant experience in insurance placements requiring multiple insurance facilities. Gallagher has such experience. Over the 30+ years that the Gallagher has worked in the aviation insurance marketplace, we have gained the trust and confidence of the insurance underwriters.Our office w ill never sacrifice short term gains at the expense of our integrity. Gallagher has a relationship of trust with the aviation insurance underw riters. We know that our team will be forthright with the facts and w orkdiligently to arrange an insurance placement that benefits both the insured and the insurance company. This trust with the insurance community translates into favorable acceptance by the underwriters when we present our clients profile and insurance requirements. This is a valuable consideration when selecting our brokerage representation. Otd, "u.ft ��k�° ��' tll ll'° ,°u�° rt'�� "wllk�" T's)"w11I1Lonl Much of the company's 90-year history has revolved around the public sector. In the early 1930's the firm began serving the insurance needs of school systems and that quickly expanded to serving towns, cities, special districts, counties and states. In those 80 years the company has established training programs, systems, new ways of structuring coverage,and analytical tools specifically designed to servethe needs of our public sector clients. The original Florida office of Arthur J. Gallagher Risk Management Services, Inc. was established in 1977. Over the past 44 years, Gallagher has been committed to the public sector and is known for this commitment to public entity clients from a time in the past when no one was interested in serving the public entity marketplace. We are the largest broker for individual/pooled self-insured programs for public entities and schools. A long list of well-known satisfied clients serve as our best credentials Our clients are our top priority, and we use every tool at our disposal to ensure that we honor that commitment. • Managing our client's risks is our highest commitment. • We try to anticipate our client's needs in advance. • We seek to understand the client's business, not just our ow n. • We alw ays recommend that w hich is in the client's best interest, even if it diminishes our revenues. • We lead our clients to more effective risk management techniques. • We seek long-term relationships, not quick profits. • Getting the order is only the beginning of our commitment, not the end. • We never promise w hatw a cannot produce. • Honesty and integrity are paramount. If we make a mistake, weadmit it, and we make it right. • Every client, large or small, has full access to all of our expertise and capability. i �ll��llllll�� Monroe County Board of County Commissioners gA*Gallagher The service team for Monroe County has provided risk management services to over 25 individual self-insured public entities and scholastic accounts. Many of Gallagher's public entity clients have large self-insured retentions or large deductibles. These self-insured retentions/deductibles range from$25,000 to $1,000,000 (not including property retentions). Because of our extensive client list and familiarity with the marketplace, we have been able to negotiate the best terms, conditions and pricing for our clients. The types of coverages associated with their programs are sinilar to the coverages requested in your RFP and also include excess property, excess general liability, excess auto liability, boiler and machinery, flood, public officials liability, employment practices liability, crime, excessworkers compensation, and fine arts coverage. In addition to placing excess insurance coverages for our clients, the following is a list of services that the Gallagher service team would provide to Monroe County: • Accessibility of Account Executive & Team: All of the Team Members are always readily accessible to the Monroe County. • Liaise with insurance carriers: The Gallagher Team will act as a liaise between the Monroe County and the Insurance Carriers as respects all aspects of the program. • Participation in Periodic Meetings: Our team is committed to having the right individuals attend meetings at the request of Monroe County. • Planning: Review potential exposures with you and customize each to depict what Monroe County wants to see in terms of Coverage, Units and Deductibles. • Program Design: Collaborate to w rite Insurance Specifications for the Program Design. • Compilation of Applications and other documents: The Gallagher Team will assist the Risk Management Department of Monroe County in gathering all of the information to be included in our Insurance Specifications/Submission to Underwriters. • Administrative Account Management: Day-to-day administrative services include, but are not limited to: issuance of certificates of insurance as needed, invoices, review of audits, maintaining of files,general correspondence, etc. • Marketing of the Insurance Program: Our Public Entity Professionals will present the Monroe County Submission to the marketplace. • Analyze Quotations: We will review the quotations received, con-pare terms and conditions and re-negotiate/fine- tune the proposals as needed. • Insurance Proposal: The Gallagher Team w ill prepare a complete proposal for the consideration of Monroe County. • Selection of the Insurance Program: Gallagher will discuss the pros and cons of each quote and make professional recommendations as to the most advantageous. • Binders, Policies & Endorsements When instructed to do so, Gallagher will bind coverage as instructed and provide Monroe County with all the pertinent documentation. • Review of the Insurance Program: Gallagher w ill continuously review the Insurance Program throughoutthe year and consider any new products and approaches available, as well as, the need for additional coverages based on exposure changes, etc. • Changes in the Marketplace/Financial Stability of Carriers Our team will communicate all changes in the marketplace, financial ratings of insurers and reinsurers that could affectthe Program i �ll��llllll�� y�� U�tx ��r� nf ��U�tx��0O i�� gA*Gallagher '"' County '= = ~� ^� ~�Commissioners �h_��6�� y�/ �� .�\�� N Car � � N �� ~ °� �� `��m �� Jim 8mithistheTeam Lead Rsk Control resource for anything b0000ntrol related. Jim works hand-in-hand withthe8a||agher servicing team and your risk management team to assist in preventing claims. Jinn's approach is to understand and analyze current claim trends,then augment your risk prevention resources to make an impact on your highest loss drivers. Gallagher's National Rok Control (NFC) team has over 80 risk control oonoultants, who provide risk control consultative services to our clients. Our risk control services provide value-add client services w hile assisting IVIonroe County in managing risks. Our team has extensive experience with the complexity ofwo/Nngwith airport authorities and airport operators. Gallagher's NRC can offer a variety of risk control services to airport operations and airport maintenance activities. Gallagher has a public entity riokoontro|'wo/Nng group consisting of over 40 consultants with varying dogmoo of expertise and experience in airport operations oafety/riokmanagoment. This working group collaborates, networks and shares ou00000 stories in order to build content that can assist our clients in reducing their overall costs of risk. Gallagher also offers a variety of electronic resources such ao our public entity newsletter—"PEP' and emerging risk wobinaro throughout the year. ("WVK'��|B� Gallagher National RokContro| (NFC) consulting has provided airport clients a wide range of professional consultative services. Examples of these services include: ° Reviewed several airport incident reporting and investigation practices,offering recommendations to in-prove the process. ° Slip/trip/falls assessment at several international airports to offer various risk control improvements and assessment ofoignago. ° Developed airport maintenance oafetyp|ano/. ° Assisting indeveloping safety management oyotom(GIVIG) programs. ° Developed and conducted managerial/supervisor safety management training ° Conducting risk assessments for various operations. ° Fe-rfo/mod Job hazard analysis fo/variouo airport operations work. ° Fleet safety program assistance including driver improvement education training ° Assistance inhandling environmental programs. ° Participating in insurance inspections and coordinate/formulate responses toany deficiencies. Gallagher io also continually developing resources for our clients tomitigate risk. VNe offer a variety ofelectronic resources such ao supervisory safety development training oorioo (8oGB), emerging risk wobinaro.and newsletters.These electronic resource offerings are available to your risk management team ao part of our services. Monroe County Board of County Commissioners gA*Gallagher /,V IIw0D ll'lHNI Andrea Tom esek is the County's dedicated Claims Advocate resource for anything claims related. She has 15 years expertise across all lines of coverage. Gallagher can also provide technical expertise in all aspects of the claims discipline for all lines of coverage placed by our team It is our job to ensure you receive the highest level of service from your carriers and that coverage is interpreted in your best interest. We address your coverage questions as they arise and aggressively advocate on your behalf w hen necessary.We also: ■ Intervene on claims involving coverage issues and reservation of rights letters ■ Advise on selection of defense counsel ■ Work w ith claims adjusters to pursue the best defense strategy llw,uP.11A] i�'REPU ,THNH.' Reporting claims promptly to insurance carriers is essential in obtaining the most desirable result. For the majority of routine claim occurrences you may w antto report directly to the carrier. How ever,for claims that require our immediate involvement, w e provide alternative methods so our claims professionals can quickly engage. 1...01W S Uk.flM11NI Our claims consultants assist in the evaluation and strategic planning of high exposure and complex claims. We possess the high level of claims expertise and knowledge to solve problems and deliver optimal results. Once these claims are identified, our claims team immediately engages the adjuster and, if required, upper management. We continue to consult on the claim until it is resolved as efficiently as possible with the best possible outcome. Our highly skilled claim consultants will develop a claim service plan that controls and monitors claim management using the following tools: f((((((((((((((1 ((EEE((((((((((((((E fff fE Efffff ff fffffff (((((((((( ((((EE((((((((((((((EEEEEEEEEEEEEEE E E1 II1 E E E 1 ( ( 1 1 1 � � J 1111 > > � � � � � lllllll � 111 1111 > > J � � � � �l 11111111111111��>>1>>J>>11�JJ��JJ��JJJJ�JJJJ�JJ l 111111111111111111>>>>>lJ Jr11111111111JrllJrllJr l 1111111111111111>>1>>�>>J Jll>>��JJ��JJJJ�JJJJJ�JJJJ�1 111111111111111111Illlllllllllllllllllllllllllll��l�lll�aa�J111>11111JJy�11�J1�0��1�11�11111�1�1�J111 lllllllllllllllllll11111111111111111111111111111111111111111111111�11�J1>>11�1�J»J�JJ111�1��11111�111�11111111�J1�11111�11�1 1111111111111111111111110111111111111111111111111111111»»Jll�aa��JIJ�a�JJ1J1yiJ11�J1»�1�1>�I�II��l11�1�11�1��1111 Every claim should be Claims handling Resolution opportunities analyzed early for cost- proficiencies Facilitate carrier effective management Audits to best practices responsiveness Legal strategy and Cost targets Advocate on coverage expense supervision Year-over-year results problems Coverage counsel referral, w hen necessary ff 1111111111111111111.1E 111111EEEEf fffffEE EfEEEE1111111 ((((((ljjl llll 11� ��lllllllllllll ��l 111 jj jl1 1 � / j J l l 1 J rr Ir I II i, � i �i rrrr i, i, rrrlr,111111111�J>>��>>>��J>>IJ�J>>a�� ll��llllllll�l��>>1>>J>>IIJJ��II�Jf��JfJf�JfJfJJJfI �ll��llllllll�l��llll>>>»J�J��Jf��JfJf�JfJfJfJf�l llllllllllllllllllllllllllJllllll��1�J��1.1»»��1>>>»1»a�ll11J��J111�J�1JJ�1J�1��1>��J�� Illl�l��Illlll011lllll�lllll��1�1��a��J»»Jl1��JJ111�J»�J1J��I�I��J�� Illl�l��Illlll011lllll�lllll��l�llllll J��>»1»1111J»»�� Develop cost Facilitate carrier response Benchmarking analytics containment through with high level executives Auditor tool for safety strategy and planning Deploy Gallagher compliance and claim executives for appeals to defense carriers,as necessary i �ll��llllll�� Monroe County Board of County Commissioners gA*Gallagher OOCORE360" Iersann6� and Sect an Gallagher, as the current broker for the County's Aviation Liability Program,already has in place a service team structure that is proven in its ability to provide Monroe County with the services that are contemplated in your Request for Proposals. Our service team has already proven itself to the County in our ability to deliver cost effective program solutions in the most difficult markets in the history of the industry,Post 9-1 I,Post 2004 and2005 Hurricane Seasons. Supporting the County is our Florida team which specializes in Public Entity and Aviation clients. An organizational chart belowshows the team structure. An introduction to each team member follows,with a brief description of their role and responsibilities. Jori Van der Voort,ARM Area Senior Vice President I Now= slim=t. Kathy Hill,CIC Jim Smith,M.S.,CSP Zeb Holt,CIC,CLCS,CLP Area Assi stan t Vi ce President Regional Leader-Risk Control Services Regional Executive Vice President,FL Client Service Manager,Senior Joanna Naszlin Andrea Tomasek,ARM.CRMP Tony Abella,Jr.,CPCLI,ARM, Client Service Associate Claims Advocate,Senior AREe,MSIM, Area Senior Vice President Robin Camacho Brad Meinhardt Client Service Executive Senior Managing Director Aerospace Practice Aerospace Practice AJGRMS—Las Vegas,NV AJGRMS—Las Vegas,NV Our office hours are Monday through Friday, 8:30 a.m. to 4:30 p.m. During other times, your calls will be received by our voice mail system. Your recorded calls will then be returned during business hours. 4976 y�� U�tx ��r� nf ��U�tx��0O i�� gA*Gallagher '"' County '= = ~� ^� ~�Commissioners �h_��6�� y�/ �� .�\�� 0"',j),"',j), fUS,� (Coil ddl 11 U)e�� Joid I........ Vain deii'Vooirt,AlZM |Airea Seirfloii'V�lce ��Iiresideint| GMUag�heir ��IWW�lc Sectoir 22558ladoo Foad, Suite 200E Boca Faton, FL 33431 The Gallagher account team is led by Jori Van der Voort who will be the primary coordinator of all Gallagher resources and will have the ultimate responsibility for the delivery of oorvi000 to you She will respond to questions, address oonoomo, manage and coordinate all available Gallagher services and resources. One of Jo/i's primary roles is to provide technical expertioo, benohmarNng with other public entity programe, and market relationships to ensure you have the best insurance program available in the market. KEY ACTIVITIES/ RESPONSIBILITIES ° Work with Risk IVIlanagomont Department to establish goals, strategies, marketing and renewal activities ° Attend all meetings with Risk Management including Board meetings, Claims meetings, FBVA meetings and Underwriter meetings ° Identification and analysis of exposures and insurance needs ° Develop risk financing options to minimize the total cost ofrisk ° Structuring and placement of layered Property program, VVb/kero Compensation and Ex0000 Liability programs ° Maximize eligibility for and access toFBVA public assistance disaster funds ° Develop manuscript policy wording ° Coordinating and executing both the program design and implementation ° Leading the team in the marketing and negotiation of financial risk transfer programs ° Comparing program options and make recommendations ° Nbnho/ risk management program effectiveness throughout the policy term ° Prepare Reasonableness Letter for purposes of Public Assistance Program of FEMA, as required by the Stafford Act ° Coordinate Loss Control and Claims Advocacy services RELEVANT EXPERIENCE AND QUALIFICATIONS Jo/i specializes in providing oorvi000 to governmental entities. Since 1000oho has worked o|000|y with governmental entities and has been instrumental in designing and negotiating her client's insurance coverages as well as assisting with contractual risk management concerns. Jo/i will be available onadaily basis to respond to your service needs and will take an active role in the design and implementation of your insurance programs ENST|NG PUBLIC ENTITY CLIENTS ° Monroe County District School Board ° Nbnroo County Board of County Commissioner's ° Florida Keys Aqueduct Authority ° Key West Houoing Authority ° (Day County School Board ° City of Riviera Beach * Fb|k County Board of County Commissioners EDUCATION / DBG|8NAT|ONG ° Lioonood2'20 Property & Caoua|ty Agent ° Associate in Risk IVIlanagomont Designation (ARM) ° Bachelor of Science— University ofAlabama 4977 y�� U�tx ��r� nf ��U�tx��0O i�� gA*Gallagher '"' County '= = ~� ^� ~�Commissioners �h_��6�� y�/ �� .�\�� 0"',j),"',j), fUS,� (Coil ddl 11 U)e�� Kathy I HHHU Assistain%V��lce ��INosideNvt | GaUbg�heir ��)ubflc Sectoir 22558ladoo Foad, Suite 200E Boca Faton, FL 33431 Kathy's role will be to handle daily servicing responsibilities and support the entire team She w ill wo/kwith the County tohelp facilitate the gathering exposure inho/niation. She is available to respond toquestions, address oonoomo, and help managoand coordinate all available Gallagher services and resources. KEY ACTIVITIES/ RESPONSIBILITIES ° Participate in strategic risk managomont planning 0000iono ° Preparing submissions and proposals ° Analyzing quotations and negotiating terms ° Reviewing insurance policies for oonourronoy and accuracy ° Review of contracts and assist withthird party contract guidelines for clients ° Implementing changes aoneeded ° Day-to-day account management services, invoicing, bindoro, certificates,and coordination withintormediarioo RELEVANT EXPERIENCE AND QUALIFICATIONS Kathy brings over 35yoaro of insurance experience, including 20 years of risk managomont experience to the team Fier primary focus is on managing and designing Public Entity Rok Management Portfolios. She works exclusively for Gallagher's public entity clients and provides a wealth of knowledge inPublic Sector insurance and riokmanagomont division. EXISTING PUBLIC ENTITY CLIENTS ° Monroe County District School Board ° Nbnroo County Board of County Commissioner's * Florida Keys Aqueduct Authority * Palm Beach County Housing Authority * The School District ofEsoambia ° Solid VVaoto Authority of Palm Beach County EDUCATION / DBG|8NAT|ONG ° Florida Licensed 2'20Property & Caoua|ty Agent ° Certified Insurance Counselor <Q[; ° Genino|o County Conmnunity (State) College 4978 y�� U�tx ��r� nf ��U�tx��0O i�� gA*Gallagher '"' County '= = ~� ^� ~�Commissioners �h_��6�� y�/ �� .�\�� 0""'J""'J I f"US,� (Coil 111111 1 hi e�� ra d U e y A. M6lirflhairdt | Sex�oiii,��Waiii,iag��iii,ig �,')�lirectoir|Aeirospace ��Iiracflce Aerospace Practice 1160 N. Tow n Center Drive, Suite 300. Las Vegas, NV89144 Brad � the area president and managing director for £aUogl Axiodon Proodoe. Bnsd'm responmil ino|ude pmvidlng oireotondmeoningfu| odvioetoobroodrongeofoviodono|iente|e. emtolmtrotegiomo|emondmervioegoo|mforthefirrq dewe|oping and maintaining undemvrling re|odonmhipm throughout the Unfted States and Europe and serving as key |ioson to our London joint venture partners. He ol him l pi|ot'm |ioenme at the age of seventeen and thorough|y enjoys the hond'm on approach that im such oneoemmhy w thin the oviodon and aerospace indumtriem RELEVANT EXPERIENCE AND QUALIFICATIONS BeoreBrodjoined GoUogher in2G1G. lie served om senior vice president and wemtemregiono| manager forVWUim Corroon Aerospace (VWUim) assistant vice president for Johnmon & J Iigginm and undemvrter for AmmooiotedAvistion Undemvrterm now G|obo| Aerospace, and C1GWA. J le hom37-p|um years ofdireotoviodon inmuronoeexperienoe. EDUCATON/DES|GNATONS University of Southern Ca|ifomio. B.S., Business Adrmnimtrodon Men-ber ofNBAA. Watlono| Business AviodonAmmooiodon Member of A|. He|ioopter Ammooiodon |ntemodono| Rsk & Insurance Fbwer Broker Award,Axiodon and Aerospace 2013. 2017. 2019. Av��atlon and Aerospace�Flno|��st —2014 �16b�linCairnadho| GUlein't SeiiVlce ��xecutive | GaUUbg�heir AVlation Sectoir Aerospace Practice 1100N. Tow nCenter Cvivo, Suite 300, Las Vegas, NV80144 Robin is responsible for gathering renewal info/mation, marketing, coverage p|aoomontn, contract roviewo, and processing of proposals for clients and prospects. She handles account management and day-to-day operations for large aviation commercial clients including public entity and higher education accounts by acting as a liaison between the various service teams in responding to client requests including certificates of inouranoo, policy ondo/oomontn, and coverage questions during the life of the policy. EXPERIENCE AND QUALIFICATIONS She is a |ioonood property &oaouaUy broker who joined Gallagher in 2010. She has 27yoaro of insurance and risk management experience from both the underwriting and the brokerage side of aviation, and maintains outstanding relationships with her insurers. Robin has held positions in Underwriting, Account Management and Client Advisor roles for companies-, Berkley Aviation. Marsh andA|8. 4979 y�� U�tx ��r� nf ��U�tx��0O i�� gA*Gallagher '"' County '= = ~� ^� ~�Commissioners �h_��6�� y�/ �� .�\�� 0"',j),"',j), fUS,� (Coil dj,�l 11 U)e�� J��in S in l%h | CUa�irn Advocate Sexni0ir| GaUbg h eirCUa��in Advo cacy racti ce G rou p 22558ladoo Foad, Suite 240VK Boca Raton, FL33431 In his role, Jim works to coordinate loss control activities and training to reduce clients'total cost ofrisk. Fie provides risk control consultative oorvi000 and manages the in-house |000 control team Fie develops gap analysis for baseline assessment of safety management systems as well as corporate strategic plans to in-prove pro'|000 performance to reduce claims. Jim works with management teams to implement and improve safety systems to manage risk. u ca'd o in ° B.G. Industrial Safety— University of Central Missouri ° M.S. Industry Gafety— Univomhy of Central Missouri ° Certified GafetyProf000iona| —Comprohonoivo Practice <CGp> Af f iU at o in s ° Men-bor. American National Standards in Risk Management, Prevention by Design, Fixed Ladders, Runpo'0aim. and Walking Surfaces ° Board of Directors, American Society of Safety Engineers ° Advisory Council, Embry-Riddle University ° Advisory Council, East Carolina University ° Past President/Board Chairman of American Society of Safety Professionals ° 2004 "Safety Professional ofthoYoar^—Tho American Society Safety Engineers Andirea I oirnase�k | GUA�irn Advocate Seinioir| GaUUbg�heii3OU4lirn Advocacy ��Iirac%lce Girou�p 22558|adoo Road, Suite 240VK Boca Ruton, FL33431 Androa'o role is to provide leadership and direction within the national Gallagher Claim Advocacy Practice Group to effectively understand and utilize the diversity of oNUo, produotn, and oorvi000 that Arthur J. Gallagher & Co. has to offer in the arena of Claim Advooaoy. Coordinate and manage the claim resources in the South Florida Branch to provide Claim Advocacy to our clients ona regional basis. KEY ACTIVITIES/ RESPONSIBILITIES Andrea will act as an advocate for the client in all o|airr�-ro|atod matters and be a liaison between the carrier and the in-house claim division to facilitate the interest of the client in specific claim issues. She will provide oversight and guidance to the client on significant individual claims. Provide claim expertise to the client on broad claim issues such ao proactively effecting frequency and/or severity. RELEVANT EXPERIENCE AND QUALIFICATIONS ° Over 15 years of ins urano*related experience ° Experience working in various industries including the onorgy/uti|ity, commercial agriculture and retail auto dealership industries ° Experience managing |argo, oohf-inoumd, captive programs as well as large deductible workers' compensation programs in multiple states and Canada ° Experience managing integrated disability management <|DNV programs (i.o., workers' oonponoation, short-term disability, long-term disability andFMLA) EDUCATON/DES|GNATIONS ° Bachelor ofArts— Public Administration University of Central Florida ° Florida All Lines Insurance Adjuster AooroditodCaime Adjuotor(ACA) ° Senior Professional Human Reoouroo <GPHFV 4980 y�� U�tx ��r� nf ��U�tx��0O i�� gA*Gallagher '"' County '= = ~� ^� ~�Commissioners �h_��6�� y�/ �� .�\�� 0"',j),"',j), fUS,� (Coil ddl 11 U)e�� I o iny Abe UUa,J r. K��C U,AfZM, Alle, MS1 M|Are a Sein��o ir Vi ce Nosi deNvt 111i In C��paU, GaUUag he ir ��)lubU t Sectoir 8333 NVV53rd Street, Suite 000, Miani, FI 33100 Tony's m|o will be to support the team's effort in marketing the County's program. Fie will act as a liaison with carriers and facilitate Gallagher's proprietary coverage forms and requirements. Tony has significant relationships in the London and International marketplaces with London brokerage and will focus his efforts in that space. He is available tothe County as your Property Consultant. RELEVANT EXPERIENCE AND QUALIFICATIONS Tony has been with Gallagher since 1080 and leads the South Florida Public Gooto/ Division and is the Southeast Regional Director of Gallagher's Global Property Practice. His expertise includes program dooign, marketing, oonou|ting, and alternative risk financing. Tony specializes in the design, marketing and negotiation of CAT-exposed property programs. EDUCATION ° Chartered Property &CaouaUy Undonwritor (CFCU) ° Associate in Risk IVIlanagomont (ARM) ° Associate in Reinsurance (Al ° Florida International Univoroity —Baoho|o/ of Business Administration ° Boston University —Naotor of Science, Insurance IVIlanagomont ° National Incident Management Gyotom(N|MG) Certification Ze b I �6U%, 0UC, 0l CS, 0l �leg�loii,4U ��xecuflveV��lce ��Iiresideirv%— o id d a 2255Gladoo Foad, Suite 200E Boca Faton, FL 33431 In his role as Regional Executive Vice Prooidont — Florida, Zob provides leadership to Gallagher's K4ani, Fort Lauderdale, Boca Ruton, Tequoota, Or|ando, JaoknonviUo, Tanpa, Fort Nyoro. and Naples branches. Ho is responsible for the execution of all growth strategies that impact retention, new buoin000, and growth of our clients. His oNUo excel in the areas of F&C |nouranoo. Ex0000, Employment Practices Liability, Commercial Insurance, and RokA00000mont. Zob has also held positions withArtox Rok Solution's, Inc., a w holly-ow nod subsidiary of Gallagher that provides a diverse range of captive insurance solutions and alternative risk financing options for domestic and international clients. Prior to joining the Gallagher family, Zob served inthe U.G. Air Force fo/oixyoaro. As Branch Resource of the South Florida Branoh, he will provide direction in the development ofstaff. He is also responsible to provide a00000 to key nmour000 and state of the art technology to ensure the team's ability to stay on the cutting-edge of innovation. This w ill allow the tearn's ability to deliver outstanding service and help meet the County's objectives. RELEVANT EXPERIENCE AND QUALIFICATIONS ° Advise clients about appropriate risk assumption, risk transfer and risk avoidance methods ° 10 Years with Arthur J. Gallagher &Co. ° Arthur J. Gallagher &Conpany Summer Internship Program2004 EDUCATION/ DESIGNATIONS ° Certified Insurance Counselor <Q[; ° Commercial Lines Coverage Gpeoia|iot (CLC8) ° Certified Logistics Professional (Cl ° Indiana University Bloomington — Finanoo 4981 Monroe County Board of County Commissioners gA*Gallagher OOCORE360" Serv1te a r� Contact II fan� r'Iafian Jori Van der Voort has primary service responsibility for the County. We operate using a team approach. Your Service Team consists of: 011111111111111111111111111 1111�� Jor i Van der Voort (305) 639-3116 Jori—Van—der—Voort@ajg.com Producer Area Senior Vice President (305)298-7494 Kathy Hill Client Service Manager Senior (561) 998-6785 Kathy_Hill@ajg.com Account Manager Technical Assistant Client Service Associate 1 _ Joanna Naszlin F Joanna_naszlin@ajg.com Cl (561)998-6753 com F _Robin Cam acho—Aerospace Practice (702)998-3910 Robin—caniacho@ajg.com Account Executive Client Service Executive Bradley Meinhardt—Aerospace Practice (702)647-2333 Brad_Winhardt@ajg.com Aviation Consultant Senior Managing Director, Aerospace Jim Smith (305)998-6809 Jim—Snith@ajg.com Loss Control National Risk Control Regional Leader AndreaTomaselk (561)998-6757 Andrea—toniasek@ajg.com Claims Advocate Claim Advocacy Services Tony Abella,Jr. (305)639-3108 Tony_,,%bellaJr@ajg.com Executive Liaison Area Senior Vice President Ze b Holt (305) 639-3113 Zeb—Holt@ajg.com Executive Liaison Regional Executive Vice President —Florida Arthur J.Gallagher Risk Management Services,Inc. Main Office Phone Number: (561) 995-6706 4982 Monroe County Board of County CommissionersGallagher AIRPORT CLIENTS Facilit Name Owner KEY WEST INTERNATIONAL AI RPORT Monroe County,FL THE FLORIDA KEYS MARATHON INTERNATIONAL AIRPORT Monroe County,FL FORT LAUDERDALE/HOLLYWOOD INTERNAIIONALAIRPORT Browurd County,FL GAI N ESVI LLE REGIONAL Al RPORT Gainesville -Alachua County Authority JACKSONVILLE INTERNATIONAL AIRPORT Jacksonville Aviation Aut ority KELAND LINDER INTERNATIoNALAIRPORT City of Lakeland,FL ORLAN DO INTERNATIONAL Al RPORT Greater Orlando Aviation Authority MIAMI INTERNAIIONALAIRPORT Miami-Dade County,FL MELBOURNE ORLANDO INTERNATIONAL AIRPORT City of Melbourne,FL CHARLOTTE COUNTY Al RPORTAUTHORITY Charlotte County Airport Authority ST. PETE-CLEARWATER INTERNAIIONALAIRPORT Pinellas County,FL SARASOTA/BRAD ENTON INTERNATIONAL AI RPORT Sarasota Manatee Airport Authority SPACE COAST REGIONAL Al RPORT Titusville Cocoa Airport Authority AMPA INTERNATIONALAIRPORT Hillsborough County Aviation Authority BOISEAIRPORT City of Boise, ID JOHN WAYNEAIRPORT Orange County CA ALBUQUERQUE INTERNATIONAL SUNPORT City of Albuquerque, NM LAMBERTST. LOUISINTERNATIONALAIRPORT City of St.Louis, MO REND/TAHOE INTERNATIONAL AI RPORT Reno-Tahoe Airport Authority ASPEN-RTKINCOUNTY/SARDY FIELD Pitkin County,CO CENTRAL ILLINOIS REGIONAL AlRPORTATBLOOMINGTON Blooming-Norman Airport Authority HICAGO EXECUTIVE AlRPORT City of Prospect Heights&Village of Wheeling,IL DUPAGE AIRPORT DuPage Airport Authority GRAND CANYON NATIONAL PARK AI RPORT State of Arizona owned located at Tusayan,AZ IDAHO FALLS REGIONAL City of Idaho Falls,ID Monroe County Board of County CommissionersGallagher (Coil I D II II AIRPORT CLIENTS JOSLI N FI ELD—MAGI C VALLEY REGIONAL City& County off win Falls, ID LAFAY ETTE REGIONAL City&Parish of Lafayette,LA LEWISTON NEZ PERCE COUNTY City of Lewiston, ID POCATELLO REGIONAL City of Pocatello,ID ONALD REAGAN WASHINGTON NATIONAL AIRPORT Metropolitan Was ingtonAirportAuthority DULLESINTERNATIONAL AIRPORT Metropolitan Washington Airport Authority i �ll��llllllll�" ................ ...,,,,,,,,,,,,,,,,,,,,, Monroe County Board of County CommissionersGallagher (Coil Id i II lr:j,iirhfda Cllieirrlil ll I' C"::Pjrll,")) Y CIl S cINIo oIlr, & S rd cln,; iS, - Ch II II�( i Belowis a list our Public Sector Team currently services: Gallagher IIi cir.ilrrl, Rir k Marra nj orneort coasu irrg y trnlur , n -F° 1 , r 1y Oran,a_rswriy n vwrnlonr rOrznm,OCIF anrinai=Crcawmpo St John'r..CmmIly r P „u iy .... Err F:er",a lilt u, mfiIrv,Cont � F 11. f ruw.IlPrn� acuity srr�-d rC-�rfy F d rc >krl iu Gn:ar as ,I ( fleWrm dr`cu ryO'F 0 111 r � i 1 G'� "r'" h, I�dan na,,r Carum (P.rr f f J, I'll A ,.n'.11: 7 t -J I .. rAnrinro e I o " 1 ��I� ,,,liiilillllwl � �r�r, °,: I: experiiem �� inin in in Monroe County Board of County Commissioners gA*Gallagher OOCORE360" ii an 6 s e d, Following this page this Section includes- • Completed Proposal Bid Forms SECTION FOUR — PROPOSAL FORMS MONROE COUNTY, FLORIDA REQUEST FOR PROPOSALS FOR AIRPORT OWNERS AND OPERATORS LIABILITY INSURANCE PROPOSALFORM PART I --GENERAL INFORMATION Use of the proposal forms will enable a faster more complete analysis of the Proposal(s) submitted. Please complete this general proposal form in addition to a separate proposal for each coverage proposed. Additional information can be attached to the forms. Proposers must provide clear and concise responses. Responses such as "See Policy Form" or "Per Policy Terms" may not be given full consideration. Agent/Agency submitting proposal: Arthur J. Gallagher Risk Management Services, Inc Address: 2255 Glades Rd., Suite 240W Boca Raton, FL 33431 Telephone & Fax Number: Telephone: 561-995-6706 Fax: 561-995-6708 Does agent have binding authority? Yes AJGRMS No Las Vegas, NV-Aerospace Practice has binding authority If not, state procedure to bind. We send written request to our Aeorspace Practice prior to the effectuve date. Written confirmation of coverage bound will be sent to us by our Aerospace Practice. Is Agent/Broker licensed in the State of Florida for the type of coverage proposed? Yes X No Are coverages different from requested program? Yes NoX If yes, state differences Effective date(s) of coverage(s)? July 27, 2022 19 of 41 4987 Describe payment plan, including down payment terms, interest or service charges: Full annual premium or Equal quarterly installments - no interest Proposal valid until (date)? July 27, 2022 Rate Change/Policy Modification wording included as requested? Yes X No Termination Notice wording included as requested? Yes No 90 day non-renewal notice to be provided Named Insured wording included as requested? Yes X No If not, include actual wording to be used. Does the Named Insured include the County's officials, employees and leased employees? Yes X No If not, specify exceptions Is the requested claim reporting wording being offered? Yes X No Claim reports to be provided as requested? Yes X No If not, state details. Provide details on specialized loss control services to be provided (attach additional sheet if necessary): Aviation Loss Prevention and Risk Engineering Services are included and will be performed by Chubb Aviation Risk Engineers. This Bid includes unlimited complimentary loss prevention services provided by Chubb and would apply to both insured Airport locations as respects the the coverages quoted. 20 of 41 4988 Sample forms and policies included? Yes X No Information required by Monroe County Code section 2-347: Has the person, principals, entity, or any entity previously owned, operated or directed by any of its officers, major shareholders or Yes No X directors, ever failed to complete work or provide the goods for which it has contracted? If yes, provide details. Are there any judgments, claims, arbitration proceeding or suits *See comment below pending or outstanding against the person, principal of the entity, or entity, or any entity previously owned, operated or directed by Yes No any of its officers, directors, or general partners? If yes, provide details. Has the person, principal of the entity, entity, or any entity *See comment bE low previously owned, operated or directed by any of its officers, major shareholders or directors, within the last five years, been a party to any lawsuit, arbitration, or mediation with regard to a Yes No contract for services, goods or construction services similar to those requested in the specifications with private or public entities? If yes, provide details. Has the person, principal of the entity, or any entity previously owned, operated or directed by any of its officers, owners, partners, major shareholders or directors, ever initiated litigation Yes No X against the county or been sued by the county in connection with a contract to provide services, goods or construction services? If yes, provide details. Has the person, principal of the entity, or any entity previously owned, operated or directed by any of its officers, owners, partners, major shareholders or directors, ever initiated litigation Yes No X against the county or been sued by the county in connection with a contract to provide services, goods or construction services? If yes, provide details. Whether, within the last five years, the owner, an officer, general partner, principal, controlling shareholder or major creditor of the person or entity was an officer, director, general partner, Yes No X principal, controlling shareholder or major creditor of any other entity that failed to perform services or furnish goods similar to those sought in the request for competitive solicitation. 'As with any business,Arthur J. Gallagher Co.and its affiliat s("Gallagher")may be involved in multiple reg latory actions, investigations or lawsuits(collectiv ly, "Actions peci is a ai s o c ions o w is a ag er is subject are noted in repo s o e .w is are available in a investor Filings section a www/ajg.c;om, particularly in the"Commitments, Contingencies and Off-Balance Sheet Arrangements"footnote to Gallagher's financial statements set out in Gallagher's most-recent Annual Report of Form 10-K and Quarterly Report or form 10Q. We respect your interest in asking this question but are unable to give any more specific detail than can be found within the public information locations in this response. (NOTE: 2020 Finalcial Re ort is being sent in a separate email for your review) The Proposer stated below is the authorized agent of company or companies proposed, and is authorized to bind coverages upon acceptance by Monroe County, Florida. Deviations from the requested program have been stated. Coverage will be issued as proposed. 21 of 41 4989 4/25/2022 Si ature of Authorized Representative Date **Arthur J. Gallagher Risk Management Services, Inc. agrees to deliver policy to the insured within sixty (60) days of the receipt of the policy. It is agreed that policy premium will be payable upon inception of the policy. 22 of 41 4990 MONROE COUNTY, FLORIDA REQUEST FOR PROPOSALS FOR AIRPORT OWNERS AND OPERATORS LIABILITY INSURANCE PROPOSALFORM PART II —CARRIER INFORMATION Proposers must provide clear and concise responses. Responses such as "See Policy Form" or "Per Policy Terms" may not be given full consideration. Proposing Company ACE Property and Casualty Insurance Company Underwriting office used 555 S. Flower St. 3rd Floor, Los Angeles, CA 90071 Address C/O Gallagher Aerospace 1160 N. Town Center Drive, Suite 300 LasVegas, NV 89144 Telephone number (702) 647-2333 Current A.M. Best Co. rating? A++ XV Is policy form and all endorsements included Yes No for review? Are the following coverages included? Premises and Operations Yes No Independent Contractors Yes No Not excluded Products/Completed Operations Yes No Medical Expense payments Yes No Blanket Contractual Yes X No (all related contracts included?) Yes X No Coverage for verbal and written legal binding contracts except as excluded. (any reporting requirements?) Yes No X Personal Injury Liability Yes No (employees and contractual exclusions removed) Yes No X Contingent Hangar Keepers Liability Yes No 23 of 41 4991 Contingent Liquor Liability Yes X No Coverage for Key West Airport arising out of the lease Are all Coverages provided on an Occurrence of your liquor license to Conch Flyer Concessions, LLC Basis? Yes X No If not, please provide details Are defense costs included in the aggregate limit of liability? Yes NoX Defense costs are outside the limit Is requested Named Insured wording used? Yes X No If not, stated wording to be used Will the policy contain any COVID/Communicable Disease Exclusions/Limitations? Yes NoX If so, please provide full details Please provide a list of all insurer claim reporting offices, their addresses, telephone numbers, and contact persons who will adjust claims for the County: Claims are to be email directly to Chubb - AerospaceFirstNotice@chubb.com or Fax to 877-201-4125. All claims that require reporting after hours, should be directed to Seth Goldstein at Ph 312-775-3108, Cell 312-288-1739, Email Seth.Goldstein@chubb.com or Bryan Doyle via Ph 312-775-7880, Cell 312-882-7853, Email Bryan.Doyle@chubb.com See additional information for summons or suits in Section 8 of the proposal LIMITS, DEDUCTIBLES AND PREMIUMS LIMITS DEDUCTIBLE PROPOSED PREMIUM Requested Program $100,000,000 None $54,855 + FIGA$384 Optional Proposal Additional Premium TRI 8, $5,524 Optional Proposal TAdditional Premium Wa $5,524 Additional Premium TRIA and WAR Combined $6,906 (note when combined the War premium is reduced) The Proposer stated below is the authorized agent of the company or companies proposed, and is authorized to bind coverages upon acceptance by Monroe County. Deviations from the requested program have been stated. 24 of 41 4992 �epese� kl 1//&& - 4/25/2022 Si ature of Authorized Representative Date *Arthur J. Gallaher Risk Management Services, Inc. agrees to deliver policies to the insured within sixty (60) days of receipt of the policies. It is agreed that policy premiums will be payable upon inception of the policy. Policy will conform to the proposal as presented to Monroe County Board of County Commissioners. 25 of 41 4993 Monroe County Board of County Commissioners gA*Gallagher OOCORE360" Following this page this Section includes- • Completed Required Signed Forms o Confirmation receipt of Addenda #1 o Lobbying and Conflict of Interest Clause —Ethic Clause o Non-Collusion Affidavit o Drug-Free Workplace Form o Public Entity Crime Statement o Local Preference Form —Not Applicable • City of Boca business Tax receipt • Agency Business License • Authorization for Zeb Holt to sign the County forms • Florida insurance agent 2-20 Licenses ............... ...,,,,,,,,,,,,,,,,,,,,, f f�11�/l` ��/%�� . Iq RESPOND TO/ MONR0B COUNTY BOARD OPCOUNTY COMMISSIONERS | acknowledge receipt of Addenda No.(s) Al |have included: Lobbying and Conflict of Interest Cause _X�__ ~ Non-Collusion Affidavit _lL__' ° Drug Free Workplace Form _2L__ ° Public Entity Crime Statement --2X__- ° Local Preference Form (if applicable) _1N/A In addition, I have included a current copy of the following professional licenses and business tax receipts: Jori L.Van der Voort Kathleen M. Hif; Tony Abell Abella,Jr.and Z b Holt (Check mark items above,as reminder that they are induded:) W1ml|inAAddrusc Telephone: 2255 Glades Rd.,Suite 240W Fax: Dare: 4/25/2022 Signed: VVftness Zeb Holt (Print Name) FloridaRegional Executive Vice P resi dent- (Tide) STATE OF: FLORIDA COUNTY OF: PALM BEACH A14�5-Z -4, Subscribed and sworn to(or affirmed)before me on (date) by / is personally or has produced (type of ic1entif0a_t10_nTa_r___ identification. NOTARY PUBLIC — K4y Commission Expires: LOB QYNG AND CONFLICT Of INTEREST CLAUSE SWORN STATEMENT UNDER ORDINANCE NO.O1O-290 KHONRDEO3UNTY FLORIDA ETHICS CLAUSE " Zeb Holt of Arthur J. Gallagher Risk Manqgement Services, Inc. (Company) "...warrants that he/�t has not employed,retained or otherwise had act on his/her behalf any former County officer or employee in violation of Section 2 of Ordinance No, 010-19gO or any County off icaror employee|n violation mf 3ecdon3ofOrdinance Na.O1U-1990. For breach mr violation of this provision the County may,M its discretion, terminate this Agreement without liability and may also, in its discretion,deduct from the Agreement or purchase price, or otherwise recover,the full amount of any fee,commission, percentage,gift,or consideration paid to the former County officer oremp|oyee.~ (Signature "/Zeb Holt Date� 4/25/2022 STATE OF: FLORIDA COUNTY0F: Subscribed and sworn to(or affirmed) before me on (date) by namecnama r has produced (type o|identification) asidentification. NOTARY PUBLIC KXy Commission Expires: gl/ -7NO . ~ 28 NON-COLLUSION AFFIDAVIT |, Zeb Holt of the city uf _according to law onmy oath,amdunder penalty of perjury,depose and say that 1, lam Zeb Holt of the firm of Arthur J.Gallay the bidder making the Proposal for the project described in the Request for Proposals for AiEport Owners&Operators Liability Insurance andthat|executed the said proposal with full authority todoso; Z. The prices in this bid have been arrived at independently without collusion,consultation,communication or agreement for the purpose of restricting competition,as to any matter relating to such prices with any other bidder or with any competitor; I Unless otherwise required by law,the prices which have been quoted in this bid have not been knowingly disclosed by the bidder and will not knowingly be disclosed by the bidder prior to bid opening, directly or indirectly,tm any other bidder orto any competitor; 4. Np attempt h,ms been made ur will be made by the bidder to induce any other person, partnership or corporation to submit, or not to submit,a bid for the purpose of restricting competition;and 5. The statements contained in this affidavit are true and correct,and made with full knowledge that Monroe County mUimo upon the truth uf the statements contained in this affidavit ln awarding contracts for said project. Date: 4/25/2022 STATE OF: FLORIDA COUNTY OF: PALM BEACH NOTARY PUBLIC My Commission Expires: Subscribed and sworn to(or affirmied) before me on JANECEWOMM -/ *r ^ ' - 29 00 DRUG-FREE WORKPLACE FORM The undersigned vendor in accordance vvbhF8midaStatut Z87.OA7 hereby certifies that: Arthur J.Gallagher Risk Management Services,Inc. (Name cfBusiness) 2. PubUishesa statement notifying employees that the unlawful manufacture, distribution, dispensing, possession, or use of a controlled substance is prohibited in the workplace and specifying the actions that will ke taken against employees for violations mf such prohibition. 2. informs employees about the dangers of drug abuse im the workplace,the business' policy of maintaining e drug-free workplace, any available drug counseling, rehabilitation,and employee assistance programs, and the penalties that may be imposed upon employees for drug abuse vVations. 3. Gives each employee engaged in providing the commodities or contractual services that are under bid a copy of the statement specified in subsection (l). 4. In the statement specified in subsection(1), notifies the employees that, as a condition of working on the commodities or contractual services that are under bid,the employee will abide by the terms of the statement and will notify the employer of any conviction of,or plea of guilty or nolo contenclerre to,any violatio,n of Chapter 893 (Florida Statutes) or of any controlled substance law of the United States or any state,for a violation occurring in the workplace mo later than five(5)days after such conviction. 5. Imposes a sanction on, or require the satisfactory participation in a drug abuse assistance or rehabilitation program if such is available in the employee's community, or any employee who is so convicted. 6. Makes a good faith effort to continue to maintain a drug-free workplace through implementation of this section. As the person authorized to sign the statement, I certify that this firm complies fully with the above requirements. (Signature) Zeb Holt Date: 4/25/2022 STATE OF: FLORIDA COUNTY OF: PALM BEACH Subscribed and sworn to(or affirmed)before me on (date) by produced (type of identification)as identfflcation. NOTARY PUBLIC My Commission Expires: ebl Zla- RINO IAN � ' ' 30 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 CONTRACTOR 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 of 36 months from the date cf being placed on the convicted vendor|ist.^ | have read the above and state that neither Holt Reopmndent'u name)nor any Affiliate has been placed on the convicted vendor list within the last 36months. 01* Date: 4/25/2022 STATE OF: FLORIDA COUNTY OF: PALM BEACH Subscribed and sworn to(or affirmed) before meon (date) by name of affiant). WSh*is personally known tonoewr has produced of identification) My Commission Expires: Zj JANECEWORRINO ' TV�� L�Xt h8n� 31 O. IN...]CAR, E LOCAL PREFERENCE FORM A.Vendors claiming local preference according to Ord inance023-2009mustcompletethisform. Nameof Bidder/Responder Date: 1.Does thevendor havea valid receipt for the business tax paid to the Monroe County Tax Collector dated atleast oneyear priorto the notice or requestfor bid or proposal? (Please furnish copy.) 2.Does thevendor havea physical business address located within Monroe Countyfrom which the vendor operates or performs businesson a dayto day basis that is a substantial component of the goods or services being offered to Monroe County? List Address: Telephone Number: B. Does the vend or/prime contractor intend to subcontract 50%or more of the goods,services or construction to local businesses meeti ng the criteria above as to I icensing a nd location? If yes,please provide: 1.Copy of Recei pt of the business tax pa id to the Monroe County Tax Collector by the subcontractor dated at least oneyear priorto the noticeor requestfor bid or proposal. 2.Subcontractor Address within Monroe Countyfrom which the subcontractor operates: Tel.Number Print Name: Signature and Title of Authorized Signatoryfor Bidder/Responder STATE OF: CO U NTY O F: Subscribed and sworn to(or affirmed)before me on (date)by (name of affiant). He/She is personally known to me or has produced (type of identification)as identification. NOTARY P U BLI C My Commission Expires: 32 5000 Ni9Y,ca Nl atr,..:�,-1 'am(,Ce II U II'fflI at,,LOCAL BUSINESSTAX THIS IS NOT A BILL IM!,"'IP F#22 10007577 "n,,y of 0 7 lilaauggaN In niairl�a, a uoiar, Il 'IAN�At11"nlmn,,N, will Fe"I f r 1AC4, �itl,larw�;� Mv;a L�r ai �ii�l N�Aa��vr,Il,:�I >'al Ilv�h,l�rrr�xM Iw laalN Inat wdid'. A11l Illtrll I GALLAGHER,IIUSK,MGgNI'T MAR(1 uw aafw"t[)L E a ICER"FIFICATIR OF USEAle AalAtladmwnnaVl fl:,e: u�IU ARTI6C,A J.(,;Al.I,+�<aflTFA�,l�f ��"f IrulrrlGAvr f.�; r�q 28506011Y ROAD Total Paid: 94.541, R.01-LIl('; MEADOWS III.I°mldil'ff aIwsTwo-ndrmwwimmiwo;imy.it Ill W!rl've Wnvklnm�� Mwffia jhp'y,wll bcoira0mg 1hp IP,nwlnr+, ylOrvrll"Acrrv'md,cmlumv,Or, 4'Xiu&w'v d1'. Cl Il,o cIN'SIdI ANCE A�'�"m`�AG �tl ANC If.A R swr"Irawtwp r W."nipipt irl 0xc tusinacR ,Pl orrotic�upaikiraalp WELCOME to Vie city all at ea R.aloi'a. We are prrwuri'to have your taumness in mir c'ommu;nndyr Please VERIFY aitl innlormatdon rill yol,o Buaslnpsaw Taw Receipt 1 'pmtfofiiaalaa oll tls& arr'and 111061 ua by uuumnaiul I u�l r rlir �� 'v lrq a .us m'medifately if there me arvy,eneq& ALL CHANGES Wi LIIRC AN APPL[CA-IfOIN WTIH"PROPER FEES AND DOCUMENTATION'lW ITitlll'°W I5 DA'YS OF PIE C,1l-lAN1Q,Fz TO AVOID PENALTY, Illf ynaa majidp any rha ages to the business fp'xafrriple&t nan,dp oi'arlute"willuilrw trio city, exparr9 urr of spa'i Chnnge,0 GWnerslvifa,,chan o of taaauanpss name,chanrtn a of aippliCarnUJILIBlltiwsr inai chanqe of mailing address,change"in'inalaar'p of business-operated,oi°aairl,a now typo of IlyuMmst.at the s alhi or al,a rdifford.nt,Iocatirrml a rfew applicarlim must be filed wra'ilhinn 15 daay^s ol''llh0 change to Italap the am'nwarat uuiirrarat ran4 avoid playing a penady, Make snore Diwislion cad Corporations i`ft1UNFly I:II I irali All aaharnftas A suahmii A isdpe of;FI,1NPFIZ Filing with yomir appiicataaan APPLICATION forni. for city&,^4uaarty ardy located on our voebsiii at li NN Y11SOC U ,„cllulk"'BLISI111NIE 16 LICLN 1194I S IFERMI-MINI r,°'IldtlSlNES TAX"('this section has geriioral Nrriforrnatluan),then FORMS AND REF10 RTs" Pos,r tl'moa top portion of Uilis donurrcmoril at the abwwa Ilasailuor In a playa wsshelap it my be spmar it public:view. DEACTIVATION TIVATIONM If youa aasp to operate IN&business ennui you mull r'oturrnrm luh is document Ira cur office wilin proof fhai Ihp Division of Corporallons filing has B ell munaulivated,inc;,rr ing Ih lh Corpoanles and Ficiulijowas Name fillings. of the husirmiss Iranatk)n heir, changed, Iprr vid4 proof that the principal address Ihas been Cl°iaingod on Divislfxa°mOf Carparatloons All signaya for diagonitmnn`md blaswms mi he removed vMhin 10 days. AL CVURTESY RENEWAL IOTA IL'mrall lap serlt to lhp irrnauliung address on,iieccrd fi to 00 days pator ire e,,Xpiraiican If tmcr„I di nm A rtacutim 1h@ rom mnsal nobica,ylrou must,still Pgy thip Iltt,alwlrem tax on fiml,, Lame flee&ppnatlliiiss will not lip wAiivwJ if you rho in7rul receive the norlre. RENEWAL of Buslmwess"fax may be irr to r'sart dl dimop-box Q 2,00 NW 2 Avp,ntap during rormaai business haiurs,by rn ail cir by using tlwp wwphrsite, online sarvi s (if n anon-re uutaled Frofeason) To renews orlilrop yolu wrli neel youni, Susshrwp;'.ss tax Rece--4pt 9 a -pica Ttrese ru�umGena M11 bo Iprowiiderf on your renewal rvotica in fhe top n'ght oorli NOTE i lami ivaatNiaris thal r%od a Pr rngralaited rvqqj0irPi cannot r narw online Call us al 561-,� I-7'937 if you trawa any 19mmficins rpiaiirng 10 your huvsilness n ects. 'ualWe area located all 200 NVV 2 Avsanou e, Plur.ara area 00 AM Ica wt 00 PM Ilwtraa`Irl'ay thin Frrf°ay,eaa,r apt Wednesday,houa%are&0a AM to 100 p'ilt. FAILURE TO PAY your Iluairi "fax. on, or Wore 1116 65S6 of husirnievm on epr en iwprr n v+riliq car,,isp penalties Irw be appinl'ed to the,ttvltliness lay rent ail,as uanrlic ted h in.w+ �P W,',Nl f l", , k ,AL ll) $fir.'jE U1 E DA"I `1aN'N A.LIA' [I H Ef,: I iV ; `~wl^„f�"1-0 I.mC""l" I PwC.%, I f�1°;i,`, I I" N I �v?NIR I 1�'I;�Iu"I,I.'I°'�`u 0""id tW'P 1I5'',% 2I'N`I11Ia 25rcarlw 2.511'P n $250,00 5001 Ag e iir,�i y l� c e iir,�i s ,pARTMENT of FlNAN(,-,,j�j It), py SEr?v "ClYs A 9,11 Rl R i 'M,I ,YA IFR RI Sk N LA NA(A 1,-,"Nll SFRVK,'FS,INC- ROLLIN(;N1 f.AI:X)V,,.S RN MOAW Alocnev Llcensv NuirbeT 1,016894- Lal.-t,�,.,,Kli,,,�v, ,K,��1-119 Issued,Oil W 1 LI`.lFKxl flk4a It'llu,"Nowe 110 1 Ow Ghmg,09(A I uVMM W Appoialkil%pdif I 141JAg,I K�AI�qo,vod I�Alc I P,��A,o 0 I W040 OW,L4J,41'K I IVIAIWIK4 �IONAO U vlllt�ljg�llftm I�Ullvm','Alllm P",Nlwk-lpm h1h 1 7J4'4��1�1�14WJ,II S&I4111k,�i,11"'xit Aj,�Cm,��L."amo V,"A I f h,�1, low,nimm,I�PI A N lAmw Ovm N&AW�u C,1141446 V,�1044 2� "I.................... I............ 5002 S�Igir'� ' ze[�' l�lu":�dt'CIC, G CS,G Swaary'm Cerfificate Art.hur.l. Gullagher Risk Management Serviets� Inv. A pri,I Hanes-Dowd, do hereby certifY thav L 1.am the duly elected and qualified Secretary of Arthux J,Onflagher Ris'k Managmew Services,,Inc.(the X I ompany"')a torTx)ration idu ly uruani zed, exisfing and in god standing undcr the laws of the State,of'111 invis-. 1 tn such capacily I have access to and,a�m funjill jar�wi jh the corrumIta records offfie� Compatty;mid Zeb,I In]I is a dul y appoi nted,Regional Executi v�e Vice President of ffic(-(,MVWY mid in�such capacity has the audMity to sign the docunvolt.s, mcluding but n4m limited to,non-discloqutc agreemients,reqimsts f6,r prolmsals uxl convac's cm, behal fof The Cornpun*�, IN WMES8 WHEREOF,,dw undersigned has,so Iw-r hand and,affixed,the seal Uthis corpora(i(',)n this I W",day of SeptertAxr,2020, -Do wd Ap6l Hancs Secretary orporate Seal 5003 License#:: A315307 Full Name: VANDERVOORT,JORI LEE Business Address:: ARTHUR J GALLAGHER RISK MANAGEMENT Mailing Address: ARTHUR J GALLAGHER RISK MANAGEMENT SERVICES 8333 NW 53 STREET-SUITE 600 SERVICES 8333 NW 53 STREET-SUITE 600 MIAMI,FL 331667712 MIAMI,FL 331667712 Email:: JOIRI VAN DER VOORT@AJG.COM Phone: (305)592-6080 County:: Dade NPN#: 21154965 Valid Licenses Type Issue Date Qualifying Appointment GENERAL LINES(PROP&CAS)(0220) 2/25il 999 YES License#: A119236 Full Name: HILL,KATHLEEN MARIE Business Addlress: ARTHUR J GALLAGHER RISK MANAGEMENT Mailing Address: 1215 NVV 13TH AVE SERVICES INC 2!255 GLADIES RD STE 240W BOYNTON BEACH,FL 334262!984 BOCA RATON,FL 334317391 Email: KATHY HILL@AJG.COM Phone: (561)998-6785 Couinty: Palm Beach NPIN#: 453002 Valid Licenses Type Issue IDate Qualifying Appointment GENERAL LINES(PROP&CASp(0220) 2/6/1979 YES License#: A000307 Full Name: ABELLA,ANTONIO LUIS Business Address: 9155 S DADELAND BLVD STE 1112 9155 S Mailing Address: 9155 S DADELAND BLVD STE 1112 9155 S. DADELAND BLVD.,SUITE 1112 DADELAND BLVID.,SUITIE 11112 MIAMI,FL 331562738 MIAMI,FL 331562738 Email: TOINY—ABELLAJR@AJIG.COM Phone: (305)639-3108 County: Dade NPIN#: 464698 Valid Licenses Type Issue Date Qualifying Appointment SURPLUS LINES(0120j 10/10/2006 YES GENERAL LINES(PROP&CAS)(0220) 10/26/1989 YES License#: P127731 Full Name: HOLT,ZEBEIDIAH Business Address: ARTHUR J GALLAGHER&CO 300 SE 2ND ST Mailing Address: ARTHUR J GALLAGHER&DO 300 SE 2ND ST STE STE 740 740 FORT LAUDERDALE,FL 3330111950 FORT LAUDERDALE,FL 333011950 Email: ZEB_HOLT@AJG.COM Phone: (630)285-3796 County: Broward NPN#: 8512344 Valid Licenses Type Issue Date Qualifying Appointment GENERAL LINES(PROP&CAS)(0220) 8/6/2013 YES 5004 Monroe County Board of County Commissioners gA*Gallagher OOCORE360" ......... �� n"3,�� r ocaflons and nstructbns - Sect o 8 AIRPORT LIABILITY When do you report a cl aim? Claims are to be reported IMMEDIATELY Where do you report a claim? Directly to Chubb—see below How do you report a claim? See information for Chubb below Should you have any difficulty in reporting Phone, fax or email to Arthur J. Gallagher Risk Management your claim,contact us immediately: Services-Boca Raton contacts • Phone—561-995-6706 • Fax—561-996-6708 • Email: kathy hillo qajg.com Chubb CLAIMS REPORTING INFORMATION All claim functions for your airport andaircraft insurance with Member Insurance Companies of the Chubb Group are handled by Chubb Aerospace Claims in Chicago.The staff of Chubb Aerospace Claims is one of the most experiencedand efficient in the aviation claims business. Seth Goldstein, experienced Casualty Claims Manager,is responsible for administering your claims on a day-to-day basis. Seth reports to Bryan Doyle,Vice President.Bryan Doyle is available to accept claims information if Seth is unavailable. All claims should be reportedto Aerospace Claims as soon as practicable,in order for us to establish immediate contact with claimants and initiate any necessary investigation.An initial report of claim may be emailed to Aerosl)acefirstnotice((i)chtibb.com or faxedto 877-201-4125.To ensure prompt attention,it is recommended that any transmission be confirmedvMh aphone call.Where possible, pictures of the accident scene should be obtained during your initial investigation. Because Chubb Claims has gone pape Hess,it is imperative that you put the addressee's name and claim number on all correspondence and note contact changes below. FIRST NOTICE OFLOSS: Email Fax 877-201-4125 Contact Phone Cell E-Mail Primary Seth Goldstein 3 12-775-3 108 312-288-1739 Seth.Go Idstein(d)chubb.com Secondary Gregg Allejos 757-222-4797 757-282-9561 aalleios0)chubb.com Harry Staunton 720-895-5140 630-730-2311 hstaunton0)chubb.com Dan Digioia 312-612-8804 312-919-4723 dan.di6oia0)chubb.com VP Claims Bryan Doyle 312-775-7880 312-882-7853 Br_ym.Dovle0)chubb.com All claims that require reporting after hours, should be directed to Seth Goldstein or Bryan Doyle via cell phone. If you are served with a summons or suit, please call immediately and forward the papers via overnight delivery. MAILING ADDRESS OVERNIGHT DELIVERY ADDRESS Chubb Claims Chubb Aerospace Claims P.O.Box 5 101 525 W.Monroe,7th Floor Scranton,PA 18505-0500 Chicago,IL 60661 Should you have any questions concerning our claims handling procedures,please feel free to contact us at any time. Monroe County Board of County Commissioners gA*Gallagher OOCORE360" S e c r-�,ien dhty r-is Following this page this Section includes- • Specimen Policy Forms for ACE Property and Casualty Insurance Company CHUBS" CLAIMS REPORTING INFORMATION All claim functions for your airport and aircraft insurance with Member Insurance Companies of the Chubb Group are handled by Chubb Aerospace Claims in Chicago. The staff of Chubb Aerospace Claims is one of the most experienced and efficient in the aviation claims business. Seth Goldstein, experienced Casualty Claims Manager, is responsible for administering your claims on a day-to-day basis. Seth reports to Bryan Doyle, Vice President. Bryan Doyle is available to accept claims information if Seth is unavailable. All claims should be reported to Aerospace Claims as soon as practicable, in order for us to establish immediate contact with claimants and initiate any necessary investigation. An initial report of claim may be emailed to Aeroapgcg irstnotice chubb.com or faxed to 877-201-4125. To ensure prompt attention, it is recommended that any transmission be confirmed with a phone call. Where possible, pictures of the accident scene should be obtained during your initial investigation. Because Chubb Claims has gone paperless, it is imperative that you put the addressee's name and claim number on all correspondence and note contact changes below. FIRST NOTICE OF LOSS: Email AerospaceF!rstNotice@chubb.com Fax 877-201-4125 Contac Ph Cel Primary Seth s ei r=22�4 8 1 7 ei chubb.com Secondary Greg AI e s 5 7 - 1 alle'os c b.com Harry t 721 3 - 11 t c bb.com Dan Digioia 312-612-8804 312-919-4723 dan.di ioiachubb.com VP Claims Bryan Doyle 312-775-7880 312-882-7853 Bryan.DoyLe_@chubb.com All claims that require reporting after hours, should be directed to Seth Goldstein or Bryan Doyle via cell phone. If you are served with a summons or suit, please call immediately and forward the papers via overnight delivery. MAILING ADDRESS OVERNIGHT DELIVERY ADDRESS Chubb Claims Chubb Aerospace Claims P. O. Box 5101 525 W. Monroe, 7th Floor Scranton, PA 18505-0500 Chicago, IL 60661 Should you have any questions concerning our claims handling procedures, please feel free to contact us at any time. One of the CHUBB Group of Insurance&Reinsurance Companies CLMLTR 01119 5007 IL P 001 01 04 U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") ADVISORY NOTICE TO POLICYHOLDERS No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this Notice carefully. The Office of Foreign Assets Control (OFAC) administers and enforces sanctions policy, based on Presidential declarations of"national emergency". OFAC has identified and listed numerous: • Foreign agents; • Front organizations; • Terrorists; • Terrorist organizations; and • Narcotics traffickers; as "Specially Designated Nationals and Blocked Persons". This list can be located on the United States Treasury's web site— http//www.treas.gov/ofac. In accordance with OFAC regulations, if it is determined that you or an other insured, or any person or entity claiming the benefits i ran kF la Mns r is aNad Designated National and Blocked Person, as id d i urance ilr frozen contract and all provisions of this ins nc a immes 'ec n inslicy is considered to be such a blocked or froze ont ct, nois pre i ithout authorization from OFAC. Other limitations on the premiums and payments also apply. IL P 001 01 04 © ISO Properties, Inc., 2004 Page 1 of 1 5008 POLICY NUMBER: AAP N00985004 018 C H V B B° ACE Property and Casualty Insurance Company Insurance Company Monroe County Board of County Commissioners Policyholder AAP N00985004 018 Policy Number ARTHUR J GALLAGHER RISK MANAGEMENT SERVICES INC Broker/Producer POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE You were notified that under the Terrorism Risk Insurance Act, as amended, you have a right to purchase insurance coverage for losses resulting from acts of terrorism. As defined in Section 102(1) of the Act: The term "act of terrorism" means any act or acts that are certified by the Secretary of the Treasury---in consultation with the Secretary of Homeland Security, and the Attorney General of the United States---to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. YOU SHOULD KNOW T T PORISIV ERAG S P 0 1 B R PO Y R LOSSES RESULTING FROM CERTIFIED ACTS F R SUCH OS S IALLY URSED BY THE UNITED STATES GOVERNMENT UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. HOWEVER, YOUR POLICY MAY CONTAIN OTHER EXCLUSIONS WHICH MIGHT AFFECT YOUR COVERAGE, SUCH AS AN EXCLUSION FOR NUCLEAR EVENTS. UNDER THE FORMULA, THE UNITED STATES GOVERNMENT WILL REIMBURSE80% , OF COVERED TERRORISM LOSSES EXCEEDING THE STATUTORILY ESTABLISHED DEDUCTIBLE PAID BY THE INSURANCE COMPANY PROVIDING THE COVERAGE. THE PREMIUM THAT WOULD BE CHARGED FOR THIS COVERAGE IS PROVIDED BELOW AND DOES NOT INCLUDE ANY CHARGES FOR THE PORTION OF LOSS THAT MAY BE COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT. YOU SHOULD ALSO KNOW THAT THE TERRORISM RISK INSURANCE ACT, AS AMENDED, CONTAINS A $100 BILLION CAP THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT AS WELL AS INSURERS' LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS $100 BILLION. IF THE AGGREGATE INSURED LOSSES FOR ALL INSURERS EXCEED $100 BILLION,YOUR COVERAGE MAY BE REDUCED. You elected NOT to purchase terrorism coverage under the Act at the price indicated. ACCORDINGLY, WE WILL NOT PROVIDE THIS COVERAGE AND YOU DO NOT OWE THE ADDITIONAL PREMIUM FOR THAT COVERAGE INDICATED BELOW. Terrorism coverage described by the Act under your policy was made available to you for additional premium in the amount of$As Quoted , however you elected to decline such coverage. By signing the Notice of Election, you are acknowledging your declination of such coverage. TRIA15e(08/20) Page 1 c 5009 CHUBS" AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY ACE Property and Casualty Insurance Company 436 Walnut Street Philadelphia, Pennsylvania 19106 S CIM N IN WITNESS WHEREOF, ACE Property and Casualty Insurance Company has caused this policy to be executed and attested. This policy is a valid contract when countersigned by an authorized representative (where required by law). m� P< 0-�� JOH4 J, LUM A„ President REBECCA L.COLLINS,Secretary AAP 200 (07-10) Page 1 of 1 5010 CHUBS' AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY DECLARATIONS This Insurance Policy is issued By: Policy Number: ACE Property and Casualty Insurance Company AAP N00985004 018 P.O. Box 1000 436 Walnut Street Renewal of: Philadelphia, Pennsylvania 19106 AAP N00985004 017 Named Insured and Mailing Address: Monroe County Board of County Commissioners 1111 12th Street 4th FI Professional Bldg Key West, Florida 33040 The Named Insured is: Public Corporation Location of the Airport(s) You Own or Operate: EYW Key West International Airport, Key West, FL MTH Florida Keys - Marathon Airport, Marathon, FL From: July 27, 2021 To: July 27, 2022 at 12.01 a.m. Standard Time at your mailing address shown above. In return for the payment of the premium, and subject to all of the terms of this policy, we agree with you to provide the insurance as stated in this policy. Limits of Insurance: Products-Completed Operations Aggregate Limit $ 100,000,000 Personal Injury anddfildye In' gr Li it $ 50,000,000 Malpractice AggrSte t $ 50,000,000 Each Occurrence $ 100,000,000 Fire Damage LimFireM $ 250,000 Medical Expense Limit Any One Person $ 25,000 Hangarkeepers Limit Any One Occurrence $ 100,000,000 Hangarkeepers Limit Any One Aircraft $ 100,000,000 Non-Owned Aircraft Liability Limit Any One Occurrence $ 100,000,000 Deductibles: Each Occurrence or Offense Deductible $ Nil Aggregate Deductible $ Nil Premium: Advance Premium $ 52,240 Extended Coverage Endorsement AAP 203 $ Not Purchased Endorsement Premium $ Included Terrorism Risk Insurance Act Premium $ Not Purchased Total Advance Premium $ 52,240 Policy Forms and Endorsements are described in the attached Schedule of Endorsements. Signature: By Authorized Representative AAP 201 (11-99) Page 1 of 1 5011 Policy Number: AAP N00985004 018 Effective Date: July 27, 2021 Insured: Monroe County Board of County Commissioners SCHEDULE OF ENDORSEMENTS Policy Forms applicable to airports and locations in: Florida The endorsements listed below form part of this policy at inception and are deemed to have been signed by the same Authorized Representative that signed the Declarations (form AAP 201 11/99). TITLE Endorsement No. and Edition Date Airport Owners and Operators General Liability Policy - Jacket AAP 200 (07/10) Airport Owners and Operators General Liability Policy - Declarations AAP 201 (11/99) Airport Owners and Operators General Liability Policy - Schedule of AAP 201S (11/99) Endorsements Airport Owners and Operators General Liability Policy - Policy Provisions AAP 202 (11/99) Amendment of Noise and Pollution and Other Perils Exclusion AAP 204-FL (01/05) Extension - Broad Designated Airmeet, Contest or Exhibition AAP 206 (11/99) Endorsement Extension-Specific Excess Automobile Liability Insurance AAP 211 (03/09) Immunity Waiver Endorsement AAP 220 (11/99) Extension-Specific Excess Employers Liability Insurance AAP 227 (03/09) Cancellation Notificati ha IMIPW8 (11/99) Airport Limited Enha ed o rag dorse ent P 34 (11/99) Nuclear Risks Exclu ' n 37 (11/99) Volunteers Endorsem P 8 (11/99) Date Recognition Limited Coverage Endorsement AAP 255 (03/08) Date Recognition Exclusion Endorsement AAP 256 (11/99) Fungi or Bacteria Exclusion - Florida AAP 267-FL (01/05) Asbestos or Asbestos-Containing Materials or Products Exclusion AAP 268-FL (01/05) Endorsement - Florida Definition of"Bodily Injury" Endorsement AAP 271 (01/05) Amendment of Noise and Pollution and Other Perils Exclusion AAP 273-FL (01/05) Endorsement - Florida Silica Exclusion AAP 277-FL (01/06) Infringement of Copyright, Patent, Trademark or Trade Secret AAP 306 (03/08) Endorsement Amendment to Supplementary Payments (Court Cost) Endorsement AAP 307 (03/08) ACE Producer Compensation Practices & Policies ALL-20887 (10/06) Trade or Economic Sanctions Endorsement ALL-21101 (11/06) Questions About Your Insurance ALL-5X45 (11/96) U.S. Treasury Departments' Office of Foreign Assets Control ("OFAC") IL P 001 (01/04) Advisory Notice to Policyholders Changes to Liquor Liability Exclusion MS-264782 (06/21) Policyholder Disclosure Notice of Terrorism Insurance Coverage TRIA15e (08/20) Florida Changes - Cancellation and Nonrenewal AAP FL (11/99) AAP 201S (11-99) Page 1 of 1 5012 AIRPORT OWNERS AND OPERATORS LIABILITY POLICY INDEX Please Read Your Policy SECTION I - COVERAGES ...................................................................................... 2 COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY..................... 2 Insuring Agreement...................................................................................... 2 Exclusions...................................................................................................2 COVERAGE B. PERSONAL AND ADVERTISING INJURY LIABILITY.......................... 6 Insuring Agreement...................................................................................... 6 Exclusions.................................................................................................. 6 COVERAGE C. MEDICAL PAYMENTS.................................................................. 7 Insuring Agreement...................................................................................... 7 Exclusions.. 7 COVERAGE D. j0E LITY.... ... .. 8 Insuring Agr m ... ... .............. 8 IFExclusions.................................................................................................. 8 COVERAGE E. NON-OWNED AIRCRAFT LIABILITY................................................8 Insuring Agreement...................................................................................... 8 Exclusions.................................................................................................. 9 SUPPLEMENTARY PAYMENTS - COVERAGES A, B, D AND E................................10 SECTION II - COMMON COVERAGE EXCLUSIONS ................................................... 11 SECTION III -WHO IS AN INSURED ........................................................................ 12 SECTION IV - LIMITS OF INSURANCE AND DEDUCTIBLES ....................................... 14 SECTION V - CONDITIONS ................................................................................... 15 SECTION VI - DEFINITIONS .................................................................................. 19 AAP 202 (11-99) Page 1 of 23 5013 AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY POLICY PROVISIONS Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and "our" refer to the company providing this insurance. The word "insured" means any person or organization qualifying as such under WHO IS AN INSURED (SECTION III). Other words and phrases that appear in quotation marks have special meaning. Refer to DEFINITIONS (SECTION VI). The insurance provided by this policy does not apply to any Coverage or hazard against which the words Not Insured appear in the Limits of Insurance section of the Declarations. SECTION I - COVERAGES COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreeme a. We will pa seP t Gnsured JiM e jq o pay as damages because of "bo io "propah is inspplies. We will have the right an ye e ay at our discretion investigate any "occurrence" and settle any claim or"suit" that may result, but: (1) The amount we will pay for damages is limited as described in LIMITS OF INSURANCE (SECTION IV); and (2) Our duty to defend ends when we have used up the applicable LIMITS OF INSURANCE in the payment of judgments or settlements under Coverage A. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS - COVERAGES A, B, D AND E. b. This insurance applies to "bodily injury" and "property damage" only if: (1) The "bodily injury" or"property damage" is caused by an "occurrence" that takes place in the "coverage territory"; and (2) The "bodily injury" or"property damage" occurs during the policy period; and (3) The "bodily injury" or"property damage" arises out of your"airport operations". C. Damages because of "bodily injury" include damages claimed by any person or organization for care, loss of services or death resulting at any time from the "bodily injury". 2. Exclusions . This insurance does not apply to: a. Expected or Intended Injury AAP 202 (11-99) Page 2 of 23 5014 "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to protect persons or property. b. Contractual Liability "Bodily injury" or "property damage" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages: (1) Assumed in a contract or agreement that is an "insured contract" provided the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreement; or (2) That the insured would have in the absence of the contract or agreement. C. Liquor Liability "Bodily injury" or"property damage" for which the insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. This exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or fSel PE Chi Premises ao t hess of manufacturing, distributing, o o b vEINt be treated as your business. d. Workers Compensation and Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. e. Employers Liability "Bodily injury" to: (1) An employee of the insured arising out of and in the course of employment by the insured; or (2) The spouse, child, parent, brother or sister of that employee as a consequence of (1) above. This exclusion applies: (1) Whether the insured may be liable as an employer or in any other capacity; and (2) To any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the Insured under an "insured contract". f. Aircraft, Auto or Watercraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by, rented, loaned or leased to the insured. Use includes operation and "loading or unloading". AAP 202 (11-99) Page 3 of 23 5015 This exclusion does not apply to: (1) An "auto" or watercraft while on the "airport"; (2) An "auto" or watercraft while not on the "airport" if responding to an aviation emergency; or (3) Liability assumed under any "insured contract" for the ownership, maintenance or use of watercraft. g. Mobile Equipment "Bodily injury" or"property damage" arising out of: (1) The transportation of "mobile equipment" by an "auto" owned or operated by or rented or loaned to the insured; or (2) The use of "mobile equipment" in, or while in practice or preparation for, a prearranged racing, speed or demolition contest or in any stunting activity. h. Airmeet, Contest or Exhibition "Bodily injury" or"property damage" arising out of: (1) The conduct of any airmeet, contest or exhibition permitted, sponsored or participated in by any insured; or (2) The ownership maintenance or use of grandstands, bleachers or observation platforms. Paragraph (1) of this exclusion does not apply to static displays. Paragraph (2) of this exclusion does not apply to observation decks or promenades that are part of a pe t r e t" i. Swimming o gi c mo a o M N "Bodily injury" or"property damage" arising out of the ownership, maintenance or use of: (1) Swimming pools; or (2) Lodging accommodation for the general public. j. Control Tower "Bodily injury" or"property damage" arising out of the direct operation of a control tower by any insured. k. Damage to Property "Property damage" to: (1) Property you own, rent or occupy; (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises; (3) Property loaned or leased to you; (4) Personal property, other than "aircraft", in the care, custody or control of the insured; (5) That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the "property damage" arises out of those operations; (6) That particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it; or AAP 202 (11-99) Page 4 of 23 5016 (7) "Aircraft" in your care, custody or control or "aircraft" while being serviced, handled or maintained by you. Paragraph (2) of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph (4) of this exclusion does not apply to "property damage": (a) to an "auto" or "mobile equipment" when your control is solely traffic control, but this exception does not override Exclusion j. above; (b) to an "auto" while on the "airport"; or (c) to baggage or cargo handled by you, provided you are not handling the baggage or cargo as bailee for hire. Paragraph (6) of this exclusion does not apply to "property damage" included in the "products- completed operations hazard". Paragraph (7) of this exclusion does not apply to "property damage" to "aircraft" when your control is solely traffic control, but this exception does not override Exclusion j above. I. Damage to Your Product "Property damage" to "your product" arising out of it or any part of it. m. Damage to Your Work "Property d a "Pot work" arisi u f i r ny paN and included in the "products-co at rd". This exclusio es ge w rk r t uch the damage arises was performed on your behalf by a subcontractor. n. Damage to Impaired Property or Property Not Physically Injured "Property damage" to "impaired property" or property that has not been physically injured, arising out of: (1) A defect, deficiency, inadequacy or dangerous condition in "your product" or "your work"; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to "your product" or "your work" after it has been put to its intended use. o. Recall of Products, Work or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1) "Your product"; (2) "Your work"; or (3) "Impaired property"; AAP 202 (11-99) Page 5 of 23 5017 if such product, work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it. Exclusions c. through o. do not apply to damage by fire to premises rented to you. A separate limit of insurance applies to this coverage as described in LIMITS OF INSURANCE (SECTION IV). COVERAGE B. PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement . a. We will pay those sums that you become legally obligated to pay as damages because of "personal injury" or "advertising injury" to which this insurance applies. We will have the right and duty to defend any "suit" seeking those damages. We may at our discretion investigate any offense and settle any claim or"suit" that may result, but: (1) The amount we will pay for damages is limited as described in LIMITS OF INSURANCE (SECTION IV); and (2) Our duty to defend ends when we have used up the applicable LIMITS OF INSURANCE in the payment of judgments or settlements under Coverage B. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS - COVERAGES A, B, D AND E. b. This insurance applies to: (1) "Pers$1alu " ca s by aCffee xMctE dNcou hing, broadcasting or telecao or u(2) "Advei ry" c e se of advertising your goods, products or services; but only if: (a) The offense was committed or alleged to have been committed unintentionally by you or any of your employees while engaged in their employment by you; and (b) The offense was committed or alleged to have been committed in the "coverage territory" during the policy period and arises out of your"airport operations" 2. Exclusions . This insurance does not apply to: a. "Personal injury" or"advertising injury": (1) Arising out of any oral or written publication of material, if done by or at the direction of the insured with knowledge of its falsity; (2) Arising out of any oral or written publication of material whose first publication took place before the beginning of the policy period; (3) Arising out of the willful violation of a penal statute or ordinance committed by or with the consent of the insured; (4) For which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement; or AAP 202 (11-99) Page 6 of 23 5018 (5) Arising out of the conduct of any airmeet, contest or exhibition permitted, sponsored or participated in by any insured. This exclusion does not apply to static displays. b. "Advertising injury" arising out of: (1) Breach of contract, other than misappropriation of advertising ideas under an implied contract; (2) The failure of goods, products or services to conform with advertised quality or performance; (3) The wrong description of the price of goods, products or services; or (4) An offense committed by an insured whose business is advertising, broadcasting, publishing or telecasting. C. Any offense which was committed or alleged to have been committed in any State which does not recognize a cause of action for that offense based on negligence. COVERAGE C. MEDICAL PAYMENTS 1. Insuring Agreement . a. We will pay medical expenses as described below for"bodily injury" caused by an accident: (1) On your"airport"; or (2) Because of your"airport operations"; provided th (1) The aS t kes pl e in th C"covale MEiNolicy period; (2) The expenses are incurred and reported to us within one year of the date of the accident; and (3) The injured person submits to examination, at our expense, by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable LIMITS OF INSURANCE. We will pay reasonable expenses for: (1) First aid at the time of an accident; (2) Necessary medical, surgical, x-ray and dental services, including prosthetic devices; and (3) Necessary ambulance, hospital, professional nursing and funeral services. 2. Exclusions . We will not pay expenses for"bodily injury": a. To any insured. b. To a person hired to do work for or on behalf of any insured or a tenant of any insured. C. To a person injured on that part of premises you own or rent that the person normally occupies. d. To a person, whether or not an employee of the insured, if benefits for the "bodily injury" are payable or must be provided under a workers' compensation or disability benefits law or a similar law. AAP 202 (11-99) Page 7 of 23 5019 e. To a person injured while taking part in athletics. f. Included within the "products-completed operations hazard". g. Excluded under Coverage A. COVERAGE D. HANGARKEEPERS LIABILITY 1. Insuring Agreement . a. We will pay those sums that the insured becomes legally obligated to pay as damages because of physical injury to "aircraft" to which this insurance applies. We will have the right and duty to defend any "suit" seeking those damages. We may at our discretion investigate any "occurrence" and settle any claim or"suit" that may result, but: (1) The amount we will pay for damages is limited as described in LIMITS OF INSURANCE (SECTION IV); and (2) Our duty to defend ends when we have used up the applicable LIMITS OF INSURANCE in the payment of judgments or settlements under Coverage D. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS - COVERAGES A, B, D AND E. b. This insurance applies to physical injury only if: (1) The "aircraft" is in your care, custody or control or while the "aircraft" is being serviced, h a n d I epmve n (2) The I a is ca e e t t takes place on the premi s o h "airpo and (3) The physical injury to "aircraft" occurs during the policy period. C. Damages because of physical injury include damages claimed for all resultant loss of use of such aircraft. 2. Exclusions . This insurance does not apply to: a. Physical injury to "aircraft" you own. b. Physical injury to "aircraft" you rent, lease or which are on loan to you. C. Physical injury to "aircraft"while "in flight". d. Physical injury to "aircraft" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability that the insured would have in the absence of the contract or agreement. COVERAGE E. NON-OWNED AIRCRAFT LIABILITY 1. Insuring Agreement . a. We will pay those sums that the insured becomes legally obligated to pay as damages because of"bodily injury" or"property damage" to which this insurance applies. We will have AAP 202 (11-99) Page 8 of 23 5020 the right and duty to defend any "suit" seeking those damages. We may at our discretion investigate any "occurrence" and settle any claim or"suit" that may result, but: (1) The amount we will pay for damages is limited as described in LIMITS OF INSURANCE (SECTION IV); and (2) Our duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverage E. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS - COVERAGES A, B, D AND E. b. This insurance applies to "bodily injury" and "property damage" only if: (1) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory"; and (2) The "bodily injury" or"property damage" occurs during the policy period; and (3) The "bodily injury" or "property damage" arises out of your use of any aircraft, or its use on your behalf, provided that: (a) The aircraft is not owned by you in whole or in part; (b) The aircraft is not on lease to you; (c) The aircraft is not subject to a lease-purchase agreement to which you are a party; and (d) T rPes s on on it our" iEth tion ". C. Damages b ei ry include a Ib erson or organization for care, Io of ath re Itin n t b it ury". 2. Exclusions . This insurance does not apply to: a. "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to protect persons or property. b. "Bodily injury" or "property damage" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages: (1) Assumed in a contract or agreement that is an "insured contract" provided the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreement; or (2) That the insured would have in the absence of the contract or agreement. C. "Property damage" to the aircraft. d. Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. e. "Bodily injury" to: (1) An employee of the insured arising out of and in the course of employment by the insured; or AAP 202 (11-99) Page 9 of 23 5021 (2) The spouse, child, parent, brother or sister of that employee as a consequence of (1) above. This exclusion applies: (1) Whether the insured may be liable as an employer or in any other capacity; and (2) To any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the Insured under an "insured contract". f. "Bodily injury" or"property damage" included in the "products-completed operations" hazard. g. "Bodily injury" or "property damage" arising out of your use of any aircraft or its use on your behalf, if the aircraft is operated "in flight" by a pilot who is not properly certificated and rated by the F.A.A. for the flight involved. This exclusion does not apply if the aircraft so operated is without your knowledge or consent. h. "Property damage" to: (1) Property you own, rent or occupy; (2) Property loaned or leased to you; (3) Personal property in the care, custody or control of the insured. SUPPLEMENTARY PAYMENTS - COVERAGES A, B, D AND E We will pay, with resp$in . t" a defe 1. All expenses we 2. Up to $250 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. 3. The cost of bonds to release attachments, but only for bond amounts within the applicable LIMITS OF INSURANCE (SECTION IV). We do not have to furnish these bonds. 4. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $100 a day because of time off from work. 5. All costs taxed against the insured in the "suit". 6. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable LIMITS OF INSURANCE, we will not pay any prejudgment interest based on that period of time after the offer. 7. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable LIMITS OF INSURANCE. These payments will not reduce the LIMITS OF INSURANCE. AAP 202 (11-99) Page 10 of 23 5022 SECTION II - COMMON COVERAGE EXCLUSIONS All Coverages included in this policy are subject to the following exclusions. A. Noise and pollution and other perils. 1. This policy does not cover claims directly or indirectly occasioned by, happening through or in consequence of: (a) noise (whether audible to the human ear or not), vibration, sonic boom and any phenomena associated therewith, (b) pollution and contamination of any kind whatsoever, (c) electrical and electromagnetic interference, (d) interference with the use of property; unless caused by or resulting in a crash fire explosion or collision or a recorded in-flight emergency causing abnormal aircraft operation. 2. With respect to any provision in the policy concerning our duty to investigate or defend claims, such provision shall not apply and we shall not be required to defend: (a) claims excluded by Paragraph 1; or (b) a claim or claims covered by the policy when combined with any claims excluded by Paragraph 1 (referred to below as "Combined Claims"). 3. In respect of any Combined Claims, we shall (subject to proof of loss and the LIMITS OF INSURANC hCs f e fo whi h may be allocated to the claimsSe Fda Est (i) damaand; (ii) defense fees and expenses incurred by any insured. 4. Nothing herein shall override any radioactive contamination or other exclusion clause attached to or forming part of this policy. B. War, hi-jacking and other perils. This policy does not cover claims caused by: (a) War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power. (b) Any hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter. (c) Strikes, riots, civil commotions or labor disturbances. (d) Any act of one or more persons, whether or not agents of a sovereign Power, for political or terrorist purposes and whether the loss or damage resulting therefrom is accidental or intentional. (e) Any malicious act or act of sabotage. (f) Confiscation, nationalization, seizure, restraint, detention, appropriation, requisition for title or use by or under the order of any Government (whether civil military or de facto) or public or local authority. AAP 202 (11-99) Page 11 of 23 5023 (g) Hi-jacking or any unlawful seizure or wrongful exercise of control of the aircraft or crew in flight (including any attempt at such seizure or control) made by any person or persons on board the aircraft acting without the consent of the Insured. Furthermore this policy does not cover claims arising while the aircraft is outside the control of the insured by reason of any of the above perils. The aircraft shall be deemed to have been restored to the control of the insured on the safe return of the aircraft to the insured at an airfield not excluded by the "coverage territory" of this policy, and entirely suitable for the operation of the aircraft (such safe return shall require that the aircraft be parked with engines shut down and under no duress). C. Radioactive Contamination. 1. This policy does not cover: (a) loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom (b) any legal liability of whatsoever nature directly or indirectly caused or contributed to by or arising from ionizing radiations or contamination by radioactivity from any source whatsoever. 2. Loss, destruction, damage, expense or legal liability which, but for the provisions of paragraph 1. of this exclusion, would be covered by this policy, and is directly or indirectly caused or contributed to or arises from6ionizina, adiations or contamination by radioactivity from any radioactive ate I in c e o c ag s a u r ernat al r Transport Association a h bj ct to all h r r i hi i ) be covered, provided th a. it shall be a condition precedent to our liability that the carriage of any radioactive material shall in all respects comply with the current regulations issued by the International Air Transport Association relating to the carriage of restricted articles by air; b. this policy shall only apply to any claim made against the insured arising out of any accident or incident occurring during the period of this insurance and any such claim made by the insured against us or by any claimant against the insured shall have been made within three years after the date of the occurrence giving rise to the claim; C. the cover afforded by this paragraph 2. may be cancelled at any time by us giving seven days notice of cancellation. SECTION III -WHO IS AN INSURED 1. If you are designated in the Declarations as: a. An individual, you and your spouse are insureds, but only with respect to your "airport operations". b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to your"airport operations". AAP 202 (11-99) Page 12 of 23 5024 C. A public corporation, you are an insured. Your elective or appointive officers or members of any board or commission or agency of yours are also insureds, but only with respect to your "airport operations". d. An organization other than a partnership, joint venture or public corporation, you are an insured. Your executive officers and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders. 2. Each of the following is also an insured: a. Your employees, other than your executive officers, but only for acts within the scope of their employment by you with respect to your"airport operations". b. If you are designated in the Declarations as a public corporation, employees of your boards, commissions or agencies, other than executive officers, but only for acts within the scope of their employment by those boards, commissions or agencies with respect to your "airport operations". However, no employee of yours or your boards, commissions or agencies is an insured for: (1) "Bodily injury" or "personal injury" to you or to a co-employee while in the course of his or her employment, or the spouse, child, parent, brother or sister of that co-employee as a consequence of such "bodily injury" or "personal injury", or for any obligation to share damages with or repay someone else who must pay damages because of the injury; or (2) "Bodily injury" or "personal injury" arising out of his or her providing or failing to provide professional health care services; or (3) "Prop ge' t roe o MYE i en d or loaned to that empl ee, u er e ploy o t r members (if you are a partne r int ve C. Any person (other than your employee), or any organization, while acting as your real estate manager. d. Any person or organization having proper temporary custody of your property if you die, but only: (1) With respect to liability arising out of the maintenance or use of that property; and (2) Until your legal representative has been appointed. e. Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this policy. 3. With respect to "mobile equipment" registered in your name under any motor vehicle registration law, any person is an insured while driving such equipment along a public highway with your permission. Any other person or organization responsible for the conduct of such person is also an insured, but only with respect to liability arising out of the operation of the equipment, and only if no other insurance of any kind is available to that person or organization for this liability. However, no person or organization is an insured with respect to: a. "Bodily injury" to a co-employee of the person driving the equipment; or b. "Property damage" to property owned by, rented to, in the charge of or occupied by you or the employer of any person who is an insured under this provision. AAP 202 (11-99) Page 13 of 23 5025 No person or organization is an insured with respect to the conduct of any current or past partnership or joint venture that is not shown as a Named Insured in the Declarations. SECTION IV - LIMITS OF INSURANCE AND DEDUCTIBLES A. LIMITS OF INSURANCE 1. The LIMITS OF INSURANCE (SECTION IV) shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or"suits" brought; or C. Persons or organizations making claims or bringing "suits". 2. The Products-Completed Operations Aggregate Limit is the most we will pay under Coverage A for all damages because of "bodily injury" and "property damage" included in the "products- completed operations hazard". 3. The Personal and Advertising Injury Aggregate Limit is the most we will pay under Coverage B for the sum of all damages because of"personal injury" and "advertising injury". 4. The Malpractice Aggregate Limit is the most we will pay under Coverage A for all damages because of"malpractice". 5. Subject to 2, 3 or 4 above, whichever applies, the Each Occurrence Limit is the most we will pay for the s f: a. Dama ec f injury' aMr N der Coverages A and E; an b. Medical expenses under Coverage C; and C. Damages because of physical injury to "aircraft" under Coverage D. arising out of one "occurrence"; and d. Damages because of all "personal injury" and "advertising injury" under Coverage B. arising out of one offense. 6. Subject to 5. above, the Fire Damage Limit is the most we will pay under Coverage A for damages because of"property damage" to premises rented to you arising out of any one fire. 7. Subject to 5. above, the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of"bodily injury" sustained by any one person. 8. Subject to 5. above, the Hangarkeepers Limit Any One Aircraft is the most we will pay under Coverage D for damages because of physical injury sustained by any one "aircraft" and the Hangarkeepers Limit Any One Occurrence is the most we will pay under Coverage D for physical injury sustained by all "aircraft" in any one "occurrence". 9. Subject to 5. above, the Non-Owned Aircraft Liability Limit Any One Occurrence is the most we will pay under Coverage E for damages because of "bodily injury" and "property damage" arising from one "occurrence". The limits of this policy apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. AAP 202 (11-99) Page 14 of 23 5026 B. DEDUCTIBLES 1. Our obligation to pay: a. Damages because of"bodily injury" and "property damage" under Coverages A and E; and b. Medical expenses under Coverage C; and C. Damages because of physical injury to "aircraft" under Coverage D arising out of one occurrence; and d. Damages because of"personal injury" and "advertising injury" under Coverage B arising out of any one offense applies only to the amount of damages or medical expenses in excess of the Each Occurrence or Offense Deductible amount stated in the Declarations, but the LIMITS OF INSURANCE applicable to Each Occurrence will not be reduced by the amount of such deductible, nor will Aggregate limits for such coverages be reduced by the application of such deductible amount. 2. The Aggregate Deductible amount stated in the Declarations is the most you will have to pay for all deductible amounts under Coverages A, B, C, D and E for all damages and medical expenses. 3. The terms of this insurance, including those with respect to: (a) Our right and duty to defend any "suits" seeking those damages; and (b) Your duties in the event of an "occurrence", claim, or suit apply irrespective of the application of the deductible amount. 4. We may pSPEALOIR4EN p u I st of any claim or suit and, upon i ken, y ms for such part of the deductible The Aggregate Deductibles of this policy apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed the last preceding period for purposes of determining the aggregate deductibles. SECTION V - CONDITIONS 1. Bankruptcy. Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Policy. 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit. a. You must notify us as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. b. If a claim is made or"suit" is brought against any insured, you must: AAP 202 (11-99) Page 15 of 23 5027 (1) Immediately record the specifics of the claim or"suit" and the date received; and (2) Notify us as soon as practicable. You must see to it that we receive written notice of the claim or"suit" as soon as practicable. C. You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or"suit"; (2) Authorize us to obtain records and other information; (3) Fully cooperate with us in the investigation, settlement or defense of the claim or "suit"; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insureds will, except at their own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent. 3. Legal Action Against Us. No person or organization has a right under this policy: a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b. To sue us on this policy unless all of its terms have been fully complied with. A person or org z m us toQselemen r n AaFsle a nt r on a final judgment against an insure i 'A� t t s a damages that are not payable under t of t olic f he plicable LIMITS OF INSURANCE (SE ON IV). n agree means a se ement and release of liability signed by us, the insured and the claimant or the claimant's legal representative. 4. Other Insurance. If other valid and collectible insurance is available to the insured for a loss we cover under Coverage A, B, D or E of this policy, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in c. below. b. Excess Insurance This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis: (1) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your work"; (2) That is Fire insurance for premises rented to you; or (3) If the loss arises out of the maintenance or use of "autos" or watercraft to the extent not subject to Exclusion f. of Coverage A (Section 1). (4) That is Aircraft Liability insurance on any aircraft to which Coverage E (Section 1) applies. AAP 202 (11-99) Page 16 of 23 5028 When this insurance is excess, we will have no duty under Coverage A, B, D or E to defend any claim or "suit" that any other insurer has a duty to defend. If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (1) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (2) The total of all deductible and self-insured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Policy. C. Method of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit. a. We will com II th policy i a r u e and rates. b. Premiums is poll d p s mi only. At the close of each audit period we will compute the earned premium for that period. Audit premiums are due and payable on notice to the first Named Insured. If the sum of the advance and audit premiums paid for the policy term is greater than the earned premium, we will return the excess to the first Named Insured. C. The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request. 6. Representations. By accepting this policy, you agree: a. The statements in the Declarations are accurate and complete; b. Those statements are based upon representations you made to us; and C. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds. Except with respect to the LIMITS OF INSURANCE (SECTION IV), and any rights or duties specifically assigned in this policy to the first Named Insured, this insurance applies separately to each insured against whom claim is made or"suit" is brought. AAP 202 (11-99) Page 17 of 23 5029 8. Transfer Of Rights Of Recovery Against Others To Us. If the insured has rights to recover all or part of any payment we have made under this Policy, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. 9. Changes. This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy. 10. Examination of your books and records. We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. 11. Inspections and surveys. We have the right but are not obligated to: 1. Make inspections and surveys at any time; 2. Give you reports on the conditions we find; and 3. Recommen g Any inspections, s c mend Meo i Iity and the premiums to be charged. do o make fety in ectt nderta t rform the duty of any person or organiz t provid e the ublic. And we do not warrant that conditions: 1. Are safe or healthful; or 2. Comply with laws, regulations, codes or standards. This condition applies not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations. 12. Premiums and deductibles. The first Named Insured shown in the Declarations: 1. Is responsible for the payment of all premiums and deductibles; and 2. Will be the payee for any return premiums we pay. 13. Transfer of your rights and duties under this policy. Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured as directed below: If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. AAP 202 (11-99) Page 18 of 23 5030 SECTION VI - DEFINITIONS 1. "Advertising injury" means injury arising out of one or more of the following offenses: a. Oral or written publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; b. Oral or written publication of material that violates a person's right of privacy; C. Misappropriation of advertising ideas or style of doing business; or d. Infringement of copyright, title or slogan. 2. "Aircraft" under Coverage D means any aircraft or its parts or equipment. 3. "Airport" means the Airport(s) designated in the Declarations, including ways and means immediately adjoining such airport(s). 4. "Airport operations" means the ownership, maintenance, use or provision of premises, services and facilities necessary to the operation of the "airport". 5. "Auto" means a land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment, but "auto" does not include "mobile equipment". 6. "Bodily injury" means: a. Bodily injury, i sCud ers , ' n ea resulting from any of these at an e; ob. Fright or m al ish su aineds t-M 7. "Coverage territory" means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, provided the injury or damage does not occur in the course of travel or transportation to or from any place not included in a. above; or C. All parts of the world if: (1) The injury or damage arises out of: (a) Goods or products made or sold by you in the territory described in a. above; or (b) The activities of a person whose home is in the territory described in a. above, but is away for a short time on your business; and (2) The insured's responsibility to pay damages is determined in a "suit" on the merits, in the territory described in a. above or in a settlement we agree to. 8. "Impaired property" means tangible property, other than "your product" or "your work", that cannot be used or is less useful because: a. It incorporates "your product" or "your work" that is known or thought to be defective, deficient, inadequate or dangerous; or b. You have failed to fulfill the terms of a contract or agreement; AAP 202 (11-99) Page 19 of 23 5031 if such property can be restored to use by: a. The repair, replacement, adjustment or removal of"your product" or"your work"; or b. Your fulfilling the terms of the contract or agreement. 9. "In flight" means: a. With respect to a fixed wing aircraft, from the time the aircraft moves forward in attempting to take off until the aircraft has completed its landing run. b. With respect to a rotorcraft, while its rotors are in motion as a result of engine power or autorotation. 10. "Insured contract" means: a. A lease of premises; b. A sidetrack agreement; C. Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; d. An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement; f. That part of any other contract or agreement pertaining to your business (including an indemnifica ' i n cti n 'th k f a municipality) under which you5thi e he it of ano e o o y injury" or "property damage" to rson organi tion T t I' ns a li it hat would be imposed by law in thn of an c r nt. An "insured contract" does not include that part of any contract or agreement: a. That indemnifies any person or organization for "bodily injury" or"property damage" arising out of construction or demolition operations, within 50 feet of any railroad property and effecting any railroad bridge or trestle, tracks, road-beds, tunnel, underpass or crossing; b. That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (1) Preparing, approving or failing to prepare or approve maps, drawings, opinions, reports, surveys, change orders, designs or specifications; or (2) Giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage; C. Under which the insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the insured's rendering or failure to render professional services, including those listed in b. above and supervisory, inspection or engineering services; or d. That indemnifies any person or organization for damage by fire to premises rented or loaned to you. 11. "Loading or unloading" means the handling of property: a. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or"auto"; b. While it is in or on an aircraft, watercraft or"auto"; or AAP 202 (11-99) Page 20 of 23 5032 C. While it is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered; but "loading or unloading" does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or"auto". 12. "Malpractice" means malpractice, error or mistake by a physician, surgeon, nurse, medical technician or other person performing medical services on behalf of an insured in the provision of emergency medical relief. 13. "Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment: a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b. Vehicles maintained for use solely on or next to premises you own or rent; C. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: (1) Power cranes, shovels, loaders, diggers or drills; or (2) Road construction or resurfacing equipment such as graders, scrapers or rollers; e. Vehicles not described in a., b., c. or d. above that are not self-propelled and are maintained primarily to$sic t t an at cMdeq fN wingtypes: (1) Air c d enerato nng, building cleaning, geop oratio , Iighti an Ie uipme (2) Chers and similar devices used to raise or lower workers; f. Vehicles not described in a., b., c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": (1) Equipment designed primarily for: (a) Snow removal; (b) Road maintenance, but not construction or resurfacing; (c) Street cleaning; (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and (3) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment. 14. "Occurrence" means an accident, including continuous or repeated exposure to substantially the same general harmful conditions. 15. "Personal injury" means injury, other than "bodily injury", arising out of one or more of the following offenses: AAP 202 (11-99) Page 21 of 23 5033 a. Mistaken arrest, detention or imprisonment; b. Malicious prosecution; C. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies by or on behalf of its owner, landlord or lessor; d. Oral or written publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; e. Oral or written publication of material that violates a person's right of privacy; f. Unintentional discrimination; g. Misdirection of a passenger by an insured to the wrong aircraft, automobile or other connecting transportation; or The offenses described in paragraph f. of this definition do not include personal injury arising out of the employment, past employment or future employment of a person by any insured. 16. a. "Products-completed operations hazard" includes all "bodily injury" and "property damage" occurring away from premises you own or rent and arising out of "your product" or "your work" except: (1) Products that are still in your physical possession; or (2) Work that has not yet been completed or abandoned. b. "Your work" V=ePed ete the a 'est o h i ti s: (1) When thc n your n t b e . (2) When h t o e it h e I ted your contract calls for work at more than one site. (3) When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. C. This hazard does not include "bodily injury" or"property damage" arising out of: (1) The transportation of property, unless the injury or damage arises out of a condition in or on a vehicle created by the "loading or unloading" of it; (2) The existence of tools, uninstalled equipment or abandoned or unused materials; (3) Products or operations for which the classification in this policy or in our manual of rules includes products or completed operations. 17. "Property damage" means: a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss shall be deemed to occur at the time of the "occurrence" that caused it. 18. "Suit" means a civil proceeding in which damages because of "bodily injury", "property damage", "personal injury" or"advertising injury" to which this insurance applies are alleged. "Suit" includes: AAP 202 (11-99) Page 22 of 23 5034 a. An arbitration proceeding in which such damages are claimed and to which you must submit or do submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which you submit with our consent. 19. "Your product" means: a. Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (1) You; (2) Others trading under your name; or (3) A person or organization whose business or assets you have acquired; and b. Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. "Your product" includes: a. Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of"your product"; and b. The providing of or failure to provide warnings or instructions. "Your product" does not include vending machines or other property rented to or located for the use of others but not sold. 20. "Your work" mea - N a. Work or ope s Prform Fmqm0)GUnyIu MefaE b. Materials, parts or equipment furnished in connection with such work or operations. "Your work" includes: a. Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of"your work"; and b. The providing of or failure to provide warnings or instructions. AAP 202 (11-99) Page 23 of 23 5035 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company AMENDMENT OF NOISE AND POLLUTION AND OTHER PERILS EXCLUSION This endorsement modifies insurance provided under AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY. Paragraph 2.(b) of the Amendment Of Noise and Pollution And Other Perils Exclusion Endorsement - Florida AAP 273-FL (01-05) does not apply to pollution or contamination of"your product." CAOWhorized presen a ive Endorsement No. 001 AAP 204-FL (01-05) Page 1 of 1 5036 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company EXTENSION - BROAD DESIGNATED AIR MEET, CONTEST OR EXHIBITION ENDORSEMENT This endorsement modifies insurance provided under AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY. Description of Air Meet, Contest or Exhibition As respects various Art Shows, Boat Displays, Flea Markets and Food Fests throughout the policy period. With respect to the air meet, contest or exhibition described above: 1. Exclusion In of Coverage A (Section 1) and Exclusion a(5) of Coverage B (Section 1) do not apply. 2. The following sub-paragraph is added to Condition 4.b (Section V) immediately following sub- paragraph (4). (5) That is t co or ex i i filar rage ila e to you under the sponsors, ni is insu n Authorized Representative Endorsement No. 002 AAP 206 (11-99) Page 1 of 1 5037 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company EXTENSION - SPECIFIC EXCESS AUTOMOBILE LIABILITY INSURANCE This endorsement modifies insurance provided under AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY. The following coverage is added to the policy: COVERAGE F. SPECIFIC EXCESS AUTOMOBILE LIABILITY SCHEDULE Underlying Limits: $ 5,000,000 Limits of This Insurance: Each Occurrence Limit: $ 50,000,000 Aggregate Limit: $ 50,000,000 This Aggregate Limit applies only if there is an aggregate limit in the Underlying Insurance. 1. INSURING AG$in E You agree tonPrima AutomCthH a iliMinE"UnNrIInsurance") with at least the UndLh Dv In consideration of which: a. We will pay the insured for the "ultimate net loss" in excess of the Underlying Limits, that the insured becomes legally obligated to pay as damages because of "bodily injury" or "property damage" to which this insurance applies. b. This insurance only applies to "bodily injury" or"property damage" which: (1) is caused by an "occurrence" that takes place in the "coverage territory"; and (2) occurs during the policy period; and (3) is covered by the Underlying Insurance; and (4) arises out of your"airport operations". C. This insurance shall drop down only as set forth in paragraph 4.b. below and not for any other reason, including, but not limited to, the insured's inability to: (1) collect (in whole or part) any Underlying Insurance; or (2) pay, in full, any retention or deductible. Endorsement No. 003 AAP 211 (03-09) Page 1 of 4 5038 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company The insured retains all risk for any amounts not paid by this insurance because of this paragraph c. d. With respect to any "occurrence" covered by the Underlying Insurance, we shall: (1) not assume charge of the investigation, settlement or defense of any "suit" brought against the insured, except when we drop down under paragraph 4.b. below; (2) have the right, and be given the opportunity, to be effectively associated: A. in the defense and trial of any "suit" relating to any "occurrence" which, in our opinion, may create liability on our part; B. with the insured in the investigation, settlement or defense of any claim, even if the Underlying Limits have not been exhausted. 2. EXCLUSIONS: a. The Common Coverage Exclusions (Section II) and the exclusions contained in the Underlying Insurance apply to this insurance. The Common Coverage Exclusions shall take precedence over the exclusions contained in the Underlying Insurance. 3. ATTACHMENT I Cten IMoe a. We will p for cover "ultiI (1) the Underlying Insurance has paid its full Underlying Limits, and (2) the insured has paid any uninsured retention due under the primary Underlying Insurance. b. The most we will pay for one "occurrence" under Coverage F. regardless of the number of: (1) Insureds, (2) Claims made or"suits" brought, or (3) Persons or organizations making claims or bringing "suits", is the covered "ultimate net loss" in excess of the Underlying Limits, up to the Each Occurrence Limit shown in the Schedule. C. The most we will pay for all covered "ultimate net loss" under Coverage F. during the policy period is the Aggregate Limit shown in the Schedule. d. The Each Occurrence Limit shown in the Schedule is included within, and is not in addition to, the Each Occurrence Limit shown in the Declarations. Endorsement No. 003 AAP 211 (03-09) Page 2 of 4 5039 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company 4. CONDITIONS: a. The conditions of the Underlying Insurance in effect prior to an 'occurrence" for which a claim is made under this policy apply to this insurance, except for: (1) the premium; and (2) our obligation to investigate; and (3) the renewal agreement (if any): and (4) the limits of insurance. b. The Underlying Insurance shall be maintained in full effect during the policy period, but: (1) If the aggregate limit for the Underlying Insurance is reduced or exhausted because of payment of covered claims, this policy will apply: A. in excess of the reduced aggregate limit, or B. as Primary insurance if the aggregate limit is exhausted. (2) If Srie op icy sha o I a xtent as if you had coi this c dition. C. If a claim arises which appears likely to exceed the Underlying Limits, the insured must not incur any "costs" without our consent. d. "Costs" incurred with our consent, which are not covered by the Underlying Insurance, will be apportioned as follows: (1) If the claim is settled before trial for an amount exceeding the Underlying Limits, we will pay the same ratio of the "costs" as we pay of the whole "ultimate net loss". (2) If the insured does not appeal a judgment which exceeds the Underlying Limits, we: A. may conduct such an appeal at our own expense including any associated court costs and interest, but B. shall not be obligated to continue such an appeal after the applicable Limits of This Insurance have been exhausted. e. Recoveries or payments recovered or received after a claim settlement under this policy will be applied as if recovered or received before such settlement. All necessary adjustments shall then be made between you and us. Endorsement No. 003 AAP 211 (03-09) Page 3 of 4 5040 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company 5. DEFINITIONS: The following definitions apply to this insurance in addition to the definitions contained in the Underlying Insurance and the definitions in SECTION VI - DEFINITIONS: a. "Ultimate net loss" means the amount payable in settlement of the liability of the insured after deducting: (1) all recoveries, and (2) other valid and collectible insurance, except the Underlying Insurance, and (3) excluding all expenses and "costs". b. "Costs" means: (1) interest accruing after entry of judgment, and (2) reasonable and necessary costs of: A. investigation, adjustment, and B. Ssex Pude e, but 1 M N ll s es C. salaried employees, and D. general retainer fees for counsel normally paid by the insured. C. "Airport operations", when used in this Coverage F, includes the: (1) ownership, maintenance, use; or (2) entrustment to others, of an "auto" while located anywhere in the "coverage territory". All other terms and conditions remain unchanged. Authorized Representative Endorsement No. 003 AAP 211 (03-09) Page 4 of 4 5041 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company IMMUNITY WAIVER ENDORSEMENT This endorsement modifies insurance provided under AIRPORT OWNERS AND OPERATOR GENERAL LIABILITY POLICY. We will not defend any "suit" seeking damages under Coverages A, B, D, or E on the basis that the insured is not liable due to the performance of governmental functions, unless we are required by statute or are requested by you. S CIM N Authorized Representative Endorsement No. 004 AAP 220 (11-99) Page 1 of 1 5042 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company EXTENSION - SPECIFIC EXCESS EMPLOYERS LIABILITY INSURANCE This endorsement modifies insurance provided under AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY. The following coverage is added to the policy: COVERAGE G. SPECIFIC EXCESS EMPLOYERS LIABILITY SCHEDULE Underlying Limits: $ 1,000,000 any one accident Limits of This Insurance: Each Occurrence Limit: $ 50,000,000 Aggregate Limit: $ 50,000,000 This Aggregate Limit applies only if there is an aggregate i mit ' he nNA'n e 1. INSURING AGRSP E You agree to maintain primary Employers Liability insurance ("Underlying Insurance") with at least the Underlying Limits shown in the SCHEDULE above ("Schedule"). In consideration of which: a. We will pay the insured for the "ultimate net loss" in excess of the Underlying Limits, that the insured becomes legally obligated to pay as damages because of"bodily injury" to which this insurance applies. b. This insurance only applies to "bodily injury" which: (1) is caused by an "occurrence" that takes place in the "coverage territory"; and (2) occurs during the policy period; and (3) is covered by the Underlying Insurance; and (4) arises out of your"airport operations". C. This insurance shall drop down only as set forth in paragraph 4.b. below and not for any other reason, including, but not limited to, the insured's inability to: (1) collect (in whole or part) any Underlying Insurance; or (2) pay, in full, any retention or deductible. Endorsement No. 005 AAP 227 (03-09) Page 1 of 4 5043 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company The insured retains all risk for any amounts not paid by this insurance because of this paragraph c. d. With respect to any "occurrence" covered by the Underlying Insurance, we shall: (1) not assume charge of the investigation, settlement or defense of any "suit" brought against the insured, except when we drop down under paragraph 4.b. below; (2) have the right, and be given the opportunity, to be effectively associated: A. in the defense and trial of any "suit" relating to any "occurrence" which, in our opinion, may create liability on our part; B. with the insured in the investigation, settlement or defense of any claim, even if the Underlying Limits have not been exhausted. 2. EXCLUSIONS: a. The Common Coverage Exclusions (Section II) and the exclusions contained in the Underlying Insurance apply to this insurance. The Common Coverage Exclusions shall take precedence over the exclusions contained in the Underlying Insurance. b. This insuraSL clPOE fG01 in " b i ase. 3. ATTACHMENTBI B I a. We will pay for any covered "ultimate net loss" only after: (1) the Underlying Insurance has paid its full Underlying Limits, and (2) the insured has paid any uninsured retention due under the primary Underlying Insurance. b. The most we will pay for one "occurrence" under Coverage G. regardless of the number of: (1) Insureds, (2) Claims made or"suits" brought, or (3) Persons or organizations making claims or bringing "suits", is the covered "ultimate net loss" in excess of the Underlying Limits, up to the Each Occurrence Limit shown in the Schedule. C. The most we will pay for all covered "ultimate net loss" under Coverage G. during the policy period is the Aggregate Limit shown in the Schedule. Endorsement No. 005 AAP 227 (03-09) Page 2 of 4 5044 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company d. The Each Occurrence Limit shown in the Schedule is included within, and is not in addition to, the Each Occurrence Limit shown in the Declarations. 4. CONDITIONS: a. The conditions of the Underlying Insurance in effect prior to an "occurrence" for which a claim is made under this policy apply to this insurance, except for: (1) the premium; and (2) our obligation to investigate; and (3) the renewal agreement (if any): and (4) the limits of insurance. b. The Underlying Insurance shall be maintained in full effect during the policy period, but: (1) If the aggregate limit for the Underlying Insurance is reduced or exhausted because of payment of covered claims, this policy will apply: A. in excess of the reduced a regate limit, or B. PrFis e aggre[on tMapp eFore e (2) If yo$ai do so, olicy s all same extent as if you had complied with this condition. C. If a claim arises which appears likely to exceed the Underlying Limits, the insured must not incur any "costs" without our consent. d. "Costs" incurred with our consent, which are not covered by the Underlying Insurance, will be apportioned as follows: (1) If the claim is settled before trial for an amount exceeding the Underlying Limits, we will pay the same ratio of the "costs" as we pay of the whole "ultimate net loss". (2) If the insured does not appeal a judgment which exceeds the Underlying Limits, we: A. may conduct such an appeal at our own expense including any associated court costs and interest, but B. shall not be obligated to continue such an appeal after the applicable Limits of This Insurance have been exhausted. e. Recoveries or payments recovered or received after a claim settlement under this policy will be applied as if recovered or received before such settlement. All necessary adjustments shall then be made between you and us. Endorsement No. 005 AAP 227 (03-09) Page 3 of 4 5045 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company 5. DEFINITIONS: The following definitions apply to this insurance in addition to the definitions contained in the Underlying Insurance and the definitions in SECTION VI - DEFINITIONS: a. "Ultimate net loss" means the amount payable in settlement of the liability of the insured after deducting: (1) all recoveries, and (2) other valid and collectible insurance, except the Underlying Insurance, and (3) excluding all expenses and "costs". b. "Costs" means: (1) interest accruing after entry of judgment, and (2) reasonable and necessary costs of: A. investigation, ad'ustment, and B. I x but s CIM N ha exclude all expenses for: C. salaried employees, and D. general retainer fees for counsel normally paid by the insured. All other terms and conditions remain unchanged Authorized Representative Endorsement No. 005 AAP 227 (03-09) Page 4 of 4 5046 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company CANCELLATION NOTIFICATION CHANGE With respect to the cancellation and nonrenewal provisions of this policy, we agree to increase the number of days prior notice of cancellation allowed to the first Named Insured to at least the number of days shown under 'Notice Period for Cancellation' below, except in the event of cancellation for non-payment of premium in which event we will allow at least the number of days prior notice of cancellation as shown under'Notice Period for Non-Payment of Premium'. Notice Period for Cancellation 90 days Notice Period for Non-Payment of Premium 10 days This endorsement shall not operate to override any state required minimum period(s) of notice, but it may operate to increase such minimum periods of notice. S CIM N Authorized Representative Endorsement No. 006 AAP 228 (11-99) Page 1 of 1 5047 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company AIRPORT LIMITED ENHANCED COVERAGE ENDORSEMENT This endorsement modifies insurance provided under AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY. 1. (a) Item 1(c) of Who is an Insured on page 13 of the policy is amended to read: A public corporation, you are an insured. Your boards, commissions or agencies and their elective or appointive officers or members thereof are also insureds, but only with respect to your"airport operations". (b) Item 1(d) of Who is an Insured on page 13 of the policy is amended to read: An organization other than a partnership, joint venture or public corporation, you are an insured. Your subsidiary companies, corporations, firms, affiliates, organizations, including joint ventures of the Named Insured in Item 1 of the Declarations which are owned, financially controlled or under your management control are also insureds but only with respect to your "airport operations". Your executive officers and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders. 2. Any reference in the polic to F.A.A. is amended to include its forei n equivalent. 3. The following is d d - uties I TMservainitEoremNpoyee uClaim or Suit.) e. Knowledge o an occurrence y your agen , shall not constitute knowledge by you, unless an executive officer, partner, proprietor or an employed risk manager has received such notice. 4. Condition 6 -(Representations) is amended to include: d. Your unintentional failure to disclose facts shall not be a basis for denial of any coverage, provided that it is corrected as soon as it is discovered by an executive officer, partner, proprietor or employed risk manager. e. Your inadvertent failure to submit reports or contracts or comply with other notices, except those required under Condition 2, shall not invalidate this insurance, provided it is corrected as soon as it is discovered by an executive officer, partner, proprietor or employed risk manager. 5. The Definition of"airport" is amended to read: "Airport" means the airport(s) designated in the declarations, and other airports owned or rented by you, including ways and means immediately adjoining such airports. 6. The Definition of"airport operations" is amended to read: "Airport operations" means the ownership, maintenance, use or provision of premises, services and facilities necessary or incidental to the operation of the "airport". Endorsement No. 007 Page 1 of 2 AAP 234 (11-99) 5048 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company AIRPORT LIMITED ENHANCED COVERAGE ENDORSEMENT (CONT'D.) 7. The Definition of"advertising injury" is amended to include: e. Infringement of trademark, service mark or trade name. 8. The Definition of"aircraft" is amended to read: "Aircraft" under Coverage D means any aircraft, including its parts, equipment and contents. 9. Item A.6. under Limits of Insurance is amended to read: 6. Subject to 5. above, the Fire Damage Limit is the most we will pay under Coverage A for damages because of "property damage" to premises rented to you or temporarily occupied by you, arising out of any one fire. 10. Exclusion f of Section I of this policy (Aircraft, Auto or Watercraft) does not apply to watercraft less than 26 feet in length. 11. Exclusion a. of Section I of this olic (Ex ected or Intended In'u is amended to read: This Insurance a. Expected or nten ed Injury "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property. 12. Exclusion h. of Section I of this policy (Air Meet, Contest, Exhibition) may be deleted, subject to 30 days prior notice to us, at terms to be agreed. 13. Item 2.b. (1) of Who Is An Insured is deleted. Authorized Representative Endorsement No. 007 Page 2 of 2 AAP 234 (11-99) 5049 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company NUCLEAR RISKS EXCLUSION CLAUSE It is understood and agreed that the Radioactive Contamination exclusion under part C. of the Common Coverage Exclusions (Section II) is deleted and replaced with the following: (1) This Policy does not cover: (i) loss of or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss (ii) any legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from: (a) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; (b) the radioactive properties of, or a combination of radioactive properties with toxic, explosive or other hazardous properties of, any other radioactive material in the course of carriage as cargo, including storage or handling incidental thereto; (c) ionizing $ia n or amInat' r i ti 4aewr, r 'or ox , explosive or other hazardoue radios v uv r.(2) It is understo agreed a such radioactive a o er radioactive source in paragraph (1)(b) and (c) above shall not include: (i) depleted uranium and natural uranium in any form; (ii) radioisotopes which have reached the final stage of fabrication so as to be usable for any scientific, medical, agricultural, commercial, educational, or industrial purpose. (3) This Policy, however, does not cover loss of or destruction of or damage to any property or any consequential loss or any legal liability of whatsoever nature with respect to which: (i) the Insured under this Policy is also an insured or an additional insured under any other insurance policy, including any nuclear energy liability policy; or (ii) any person or organization is required to maintain financial protection pursuant to legislation in any country; or (iii) the Insured under this Policy is, or had this Policy not been issued would be, entitled to indemnification from any government or agency thereof. (4) Loss, destruction, damage, expense or legal liability in respect of the nuclear risks not excluded by reason of paragraph (2) shall (subject to all other terms, conditions, limitations, warranties and exclusions of this Policy) be covered, provided that: Endorsement No. 008 AAP 237 (11-99) Page 1 of 2 5050 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company NUCLEAR RISKS EXCLUSION CLAUSE (CONT'D.) (i) in the case of any claim in respect of radioactive material in the course of carriage as cargo, including storage or handling incidental thereto, such carriage shall in all respects have complied with the full International Civil Aviation Organization "Technical Instructions for the Safe Transport of Dangerous Goods by Air", unless the carriage shall have been subject to any more restrictive legislation, when it shall in all respects have complied with such legislation; (ii) this Policy shall only apply to an incident happening during the period of this Policy and where any claim by the Insured against us or by any claimant against the Insured arising out of such incident shall have been made within three years after the date thereof; (iii) in the case of any claim for the loss of or destruction of or damage to or loss of use of an aircraft caused by or contributed to by radioactive contamination, the level of such contamination shall have exceeded the maximum permissible level set out in the following scale: Emitter Maximum permissible level of non-fixed (IAEA Health and Safety Regulations) radioactive surface contamination Avera ed over 300 cmz) Beta, gam I i C e gNur erels/cmz ( micr cmz) All other emitters Not exceeding 4 Bequerels/cmz (10-4 microcuries/cmz) (iv) the cover afforded hereby may be cancelled by us at any time by giving seven days' notice of cancellation. Authorized Representative Endorsement No. 008 AAP 237 (11-99) Page 2 of 2 5051 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company VOLUNTEERS ENDORSEMENT In consideration of the premium at which this policy is written, it is understood and agreed that: 1. Wherever the word employee appears in this policy, the same is deemed to include the insured's volunteers. 2. Wherever reference is made in this policy to the Insured's employment of an employee, the same shall be deemed to also refer to the activities of the Insured's volunteers on behalf of the Insured. S CIM N Authorized Representative Endorsement No. 009 AAP 248 (11-99) Page 1 of 1 5052 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company DATE RECOGNITION EXCLUSION CLAUSE This policy does not cover any claim, damage, injury, loss, cost, expense or liability (whether in contract, tort, negligence, product liability, misrepresentation, fraud or otherwise) of any nature whatsoever arising from or occasioned by or in consequence of (whether directly or indirectly and whether wholly or partly): (a) the failure or inability of any computer hardware, software, integrated circuit, chip or information technology equipment or system (whether in the possession of the Insured or of any third party) accurately or completely to process, exchange or transfer year, date or time data or information in connection with: - the change of year from 1999 to 2000; and/or - the change of date from 21 August 1999 to 22 August 1999; and/or - any other change of year, date or time; whether on or before or after such change of year, date or time; (b) any implemented or attempted change or modification of any computer hardware, software, integrated circ hi in io n o e r yst m (whether in the possession of ns ed ird part iIVI a r sponse to any such change of yea da o ime, any a ice 'v e perfor a connection with any such change or fi tion; (c) any non-use or unavailability for use of any property or equipment of any kind whatsoever resulting from any act, failure to act or decision of the Insured or of any third party related to any such change of year, date or time; and any provision in this policy concerning any duty of Insurers to investigate or defend claims shall not apply to any claims so excluded. Authorized Representative Endorsement No. 010 AAP 256 (11-99) Page 1 of 1 5053 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DATE RECOGNITION LIMITED COVERAGE ENDORSEMENT This endorsement modifies insurance provided under AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY. In consideration of the premium at which policy is written, it is understood and agreed that the Date Recognition Exclusion Endorsement — AAP 256 (11/99) shall not apply to any "bodily injury" or "property damage" coverage provided by this policy, subject to the following provisions: 1. The term "property damage", as respects the insurance afforded by this endorsement, is re- defined as follows: "Property damage" means physical injury to tangible property, including all resultant loss of use of that property. All such loss of use shall be deemed to occur at the time of the 'occurrence" that caused it. 2. The insurance afforded by this endorsement shall not apply with respect to any coverage for which this policy indicates the existence of underlyin insurance. All other terms andSnpi uncha d Authorized Representative Endorsement No. 011 AAP 255 (03-08) Page 1 of 1 5054 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION - FLORIDA It is agreed that: 1. SECTION II - COMMON COVERAGE EXCLUSIONS is amended by adding the following new exclusion: "Fungi" or Bacteria This policy does not coverage claims directly or indirectly occasioned by, happening through or in consequence of: (a) injury or damage which would not have occurred, in whole or in part, but for the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any "fungi" or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage. (b) Any loss, cost or expenses arising out of the abating, testing for, monitoring, cleaning up, removing iPren e g n rali g d ng r disposing of, or in any way r do g the e e f n t 'a by any insured or by any oth er it This exclusion does not apply to any "fungi" or bacteria that are, are on, or are contained in, a good or product intended for consumption. 2. The following definition is added to SECTION VI - DEFINITIONS: "Fungi" means any type or form of fungus, including mold or mildew and any mycotoxins, spores, scents or byproducts produced or released by fungi. All other terms and conditions remain unchanged. Authorized Representative Endorsement No. 012 Page 1 of 1 Reprinted,in part,with permission of ISO Properties,Inc. AAP 267-FL (01-05) @ACE Property&Casualty Ins.Co.,2004 5055 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ASBESTOS OR ASBESTOS-CONTAINING MATERIALS OR PRODUCTS EXCLUSION ENDORSEMENT - FLORIDA 1. SECTION II - COMMON COVERAGE EXCLUSIONS is amended by adding the following exclusion: Asbestos 1. This policy does not cover claims directly or indirectly occasioned by, happening through or in consequence of asbestos or asbestos-containing materials or products. 2. This policy does not cover any loss, cost or expenses arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to, or assessing the effects of, asbestos or asbestos-containing materials or products, by any insured or by any other person or entity. All other terms and Snp i unc a CIM N Authorized Representative Endorsement No. 013 Page 1 of 1 Reprinted,in part,with permission of ISO Properties,Inc. AAP 268-FL (01-05) @ACE Property&Casualty Ins.Co.,2004 5056 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEFINITION OF "BODILY INJURY" ENDORSEMENT SECTION VI - DEFINITIONS is amended by adding the following to subsection 6., the definition of "bodily injury": "Bodily injury" also means fear of bodily injury, sickness, disease, fright or mental anguish. All other terms and conditions remain unchanged. S CIM N Authorized Representative Endorsement No. 014 Page 1 of 1 AAP 271 (01-05) @ACE Property&Casualty Ins. Co.,2004 5057 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF NOISE AND POLLUTION AND OTHER PERILS EXCLUSION ENDORSEMENT - FLORIDA 1. SECTION VI, DEFINITIONS, is amended by adding the following new definitions: "Pollution" means the mere presence of"Pollutants" in any form, as well as the actual, alleged or threatened discharge, dispersal, release, escape, seepage, migration or disposal of "Pollutants" in any form. "Pollutants" include, without limitation, solid, liquid, gaseous or thermal irritants, any air emission, contaminant, smoke, vapor, soot, fume, acid, alkali, chemical, "waste", odor, waste water, oil or other petroleum product, or infectious or medical waste. "Waste" includes materials to be recycled, reconditioned or reclaimed, whether or not the material has been disposed of by you or any person handling the waste. 2. SECTION II, COMMON COVERAGE EXCLUSIONS, is amended at subsection A. NOISE AND POLLUTION AND OTHER PERILS, by deleting part (b) in its entirety and replacing it with the following: (b) "Pollutio SorIn Pm1nati ; CIM N 3. SECTION II, COMMON COVERAGE EXCLUSIONS, is amended at subsection A. NOISE AND POLLUTION AND OTHER PERILS, by adding the following new sub-part: any direction, obligation, request, demand, order, or statutory or regulatory requirement, or any voluntary decision to do so, that any "insured" or others test for, monitor, clean up, remove, contain, treat, detoxify, neutralize, protect against or in any other way respond to the actual, alleged or threatened presence of"pollutants" or"waste". All other terms and conditions of this Policy remain unchanged. Authorized Representative Endorsement No. 015 Page 1 of 1 AAP 273-FL (01-05) @ACE Property&Casualty Ins. Co.,2004 5058 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SILICA EXCLUSION It is agreed that Section II. COMMON COVERAGE EXCLUSIONS is amended by adding the following new exclusion: This insurance does not apply to: "Bodily injury" arising out of, resulting from, or in any way related to, in whole or in part, the respiration, inspiration, inhalation or breathing in of silica, unless caused by or resulting in a crash, fire, explosion or collision or recorded in-flight emergency causing abnormal aircraft operation. All other terms and conditions remain unchanged. S CIM N Authorized Representative Endorsement No. 016 AAP 277-FL (01-06) Page 1 of 1 5059 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INFRINGEMENT OF COPYRIGHT, PATENT, TRADEMARK OR TRADE SECRET EXCLUSION ENDORSEMENT This endorsement modifies insurance provided under AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY. It is agreed that: 1. The following definition is added to SECTION VI — DEFINITIONS: "Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purposes of this definition: a. Notices that are published include material placed on the Internet or on similar electronic means of communication; and b. Regarding web-sites, only that part of a web-site that is about your goods, products or services f s to s u rt is considered an advertisem 2. The following exc on is addedFo=MCCTI — A E RA B. PERSONAL AND ADVERTISING INJURY LIABILITY, 2. Exclusions: This insurance does not apply to "personal and advertising injury" arising out of the infringement of copyright, patent, trademark, trade secret or other intellectual property rights. Under this exclusion, such other intellectual property rights do not include the use of another's advertising idea in your "advertisement". However, this exclusion does not apply to infringement, in your "advertisement", of copyright, trade dress or slogan. All other terms and conditions remain unchanged. Authorized Representative Endorsement No. 017 AAP 306 (03-08) Page 1 of 1 5060 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT TO SUPPLEMENTARY PAYMENTS (COURT COSTS) ENDORSEMENT This endorsement modifies insurance provided under AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY. It is agreed that SECTION I — COVERAGES, SUPPLEMENTARY PAYMENTS — COVERAGES A, B, D AND E is amended by deleting subsection 5. and replacing it with the following: 5. all court costs taxed against the insured. All other terms and conditions remain unchanged. S CIM N Authorized Representative Endorsement No. 018 Page 1 of 1 AAP 307 (03-08) 5061 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company FLORIDA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY. CANCELLATION 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. Cancellation Of Policies in Effect a. For 90 Day or Less If this policy has been in effect for 90 days or less, we may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation, accompanied by the reasons for cancellation, at least: 1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or 2) 20 days before the effective date of cancellation if we cancel for any other reason, except we may cancel immediately if there has been: (a) A material misstatement or misrepresentation; or (b) A failure to comply with the underwriting requirements established by the insurer. b. For More Than 90 Days If this polic has been in effect for more than 90 days, we ma cancel this policy only for one or m e h o Fed s 1) Non 2) Th oli s obta iure o comply werwri ing requireme Mns Ehed by the insurer within 90 days of the effective date of coverage; 4) A substantial change in the risk covered by the policy; or 5) The cancellation is for all insureds under such policies for a given class of insureds. 3. If we cancel this policy for any of these reasons, we will mail or deliver to the first Named Insured written notice of cancellation, accompanied by the reasons for cancellation, at least: (a) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or (b) 45 days before the effective date of cancellation if we cancel for any of the other reasons stated in Paragraph 2.b. 4. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 5. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rats. If the first named insured cancels, the refund may be less than pro rats. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be sufficient proof of notice. NONRENEWAL 1. If we decide not to renew this policy we will mail or deliver to the first Named Insured written notice of nonrenewal, accompanied by the reason for nonrenewal, at least 45 days prior to the expiration of this policy. 2 Any notice of nonrenewal will be mailed or delivered to the first Named Insured's last mailing address known to us. If notice is mailed, proof of mailing will be sufficient proof of notice. Endorsement No. 019 Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission AAP FL (11-99) Copyright,Insurance Services Office,Inc.1998 5062 CHUBS" Chubb Producer Compensation Practices & Policies Chubb believes that policyholders should have access to information about Chubb's practices and policies related to the payment of compensation to brokers and independent agents. You can obtain that information by accessing our website at http://www.chubbproducercompensation.com or by calling the following toll-free telephone number: 1-866-512-2862. S CIM N ALL-20887 (10-06) Page 1 of 1 5063 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company TRADE OR ECONOMIC SANCTIONS ENDORSEMENT This endorsement modifies insurance provided under AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY. This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims. All other terms and conditions of the policy remain unchanged. S CIM N Authorized Representative Endorsement No. 020 ALL-21101 (11-06) Page 1 of 1 5064 CHUBS" Questions About Your Insurance? Answers to questions about your insurance, coverage information, or assistance in resolving complaints can be obtained by calling Chubb, Customer Support Service Department, at 1-800-352- 4462. S CIM N ALL-5X45(11/96) Ptd. in U.S.A. Page 1 of 1 5065 This Endorsement effective July 27, 2021 forms part of Policy Number AAP N00985004 018 Issued to Monroe County Board of County Commissioners By ACE Property and Casualty Insurance Company Changes to Liquor Liability Exclustion THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING: AIRPORT OWNERS AND OPERATORS GENERAL LIABILITY POLICY In consideration of the premium at which this policy is written, it is understood and agreed that: 1. SECTION I - COVERAGES, COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE, is amended by adding the following to subsection 2. Exclusions, part c. Liquor Liability: However, this exclusion does not apply to claims against You for liquor liability (as set forth in sub-parts (1) through (3) of this exclusion) arising out of the lease of your liquor license to Conch Flyer Concessions, LLC pursuant to a lease agreement between you and Conch Flyer Concessions, LLC dated March 17, 1998; and, notwithstanding any provision to the contrary in this policy, this insurance is excess over any other insurance available to you or Conch Flyer Concessions, LLC, and subject to the provisions of SECTION V — CONDITIONS, subjection 4. Other Insurance art b. All other terms and 8n , Prm i Eun a Ced. IM N Authorized Representative Endorsement No. 021 MS-264782 (06/21) Page 1 of 1 5066 Monroe County Board of County Commissioners gA*Gallagher OOCORE360" A,J G S II'AscIIosures - Sectbn fl,,) Following this page this Section includes our Gallagherforms. • Client Authorization to Bind • Proposed Carrier Ratings and Admitted Status • Important Proposal Disclosures • Compensation Disclosure • Market Review Monroe County Board of County Commissioners gA*Gallagher OOCORE360" QHIeII"%,t Aud-wrIIzatb11-i to 111-id Coverage After careful consideration of Gallagher's proposal dated 4/28/2022, w e accept the follow ing coverage(s). Please check the desired coverage(s)and note any coverage amendments below: ............................................ .......... DAccept 0 Reject Airport Liability/ACE American Insurance Co.$54,885 plus FIGA $384= $55,239 Accepi MQjeci TRIA $5,524 AddffionalPremium Options with Additional Premium: DAccept 0 Reject Add War Risk endorsement $5,524 OAccept 0 Reject Add War and TRA combined $6,906 (War is reduced to$1,382 w hen combined w ith TRA) The above coverage m ay not necessarily re prese ntthe e ntirety of available ins urance products.If you are interested in pursuing additional coverages other than those addressed in the coverage considerations included in this proposal,please list below: .. . . . . ... . . . . . . . . . EXPOSURES AND VALUES We confirm the payroll,values,schedules, and other data contained in the proposal,and submitted to the underwriters,are compiled from our records and we acknowledge it is our responsibility to see that they are maintained accurately. If no updates wire providedto Gallagher, the values,exposures and operations used wire based on the expiring policies. Gallagher has established security controls to protect Client confidential information from unauthorized use or disclosure. For additional information,please review Gallagher's Privacy Policy located at https://www.ajg.com/privacy-policy/. I have read,understand and agree that the above-information is correct andhas been disclosed to us prior to authorizing Gallagher to bind coverage and/or provide services to us. By: Print Name(Specify Title) Company Signature Date: Monroe ��U�tx ��r� nf ��U�tx��0O �� gA*Gallagher County Board - County Commissioners �h_��6�� y�/ �� .�\�� .� . ��. �� .�� Status �� n ^�� ^�� "��us ACE Property and Casualty Insurance A++XV Adnitted *GallagherCorn pany companies uooA.Ni Best rated insurers and the rating listed above w as verified on the date the proposal document was created. Beot'oCrodit Ratingorw reproduced herein appear under license fromAM. Best and do not constitute, either expressly o/imp|iod|y. an endorsement of Gallagher's service o/its recommendations. A.M. Best io not responsible for transcription errors made in presenting Beot'o Credit RatingSTM. Beot'o Credit Ratingorw are proprietary and may not be reproduced o/ distributed withouttho express writtenperniooion ofA.Ni Boot. A Beot'o Financial Strength Rating is an independent opinion ofaninsurer's financial strength and ability to meet its ongoing insurance policy and contract obligations. It is not a warranty ofacompany's financial strength and ability to moot its obligations to policyholders. Beot'o Credit Ratingorw are under continuous review and oubjoottochange and/or affirmation For the latest Beot'oCrodit Rutingorw and Guide to Boot's {rodit Ratings, visit the AK8 Best woboitoat http:@www.anboot.00nrVratingo. **ff coverage placed with non-admitted oarrior, it is doing business in the state aoasurplus lines o/non'admittod carrier,and is neither subject to the same regulations as an admitted carrier nor do they participate in any state insurance guarantee fund. Gallagher companies make no representations and warranties concerning the solvency of any oarrior, no/d000 it make any representation o/warranty concerning the rating of the carrier which may change. Monroe ��U�tx ��r� nf ��U�tx��0O �� gA*Gallagher County Board - County Commissioners �h_��6�� y�/ �� .�\�� The following uismoaueeaeheeuymaue apart orm|epmpo,a|.Please ewewmeaemamosueepnorm signing the Client *wmonzauonm Bind ore-mail confirmation. Proposal Disclaimer IMPORTANT:The proposal and/orany executive summariesoutline certain termsand conditionsof the insurance proposed by the insurers, based on the information provided uyyournompany. The insurance po|m|eememae|veemustue read m fully understand the terms,coverages,exclusions,limitationsand/orconditionsof the actual policy contract of insurance. Policy mnnew|||uemade available upon request. We make no warrantieswith respect to policy I imitsor coverage considerationsof the carrier. Compensation Disclosure 1 Gallagher Companiesare primarily compensated from the usual and customary commissions,feesor,where permitted,a combination of both,for brokerage and servicing of insurance policies,annuity contracts,guarantee contractsand surety bonds (collectively"insurance coverages)handled fora client'saccount,which may vary based on market conditionsand the insurance product placed mrmeclient. u In placing,renewing,consulting on orservicing your insurance coverages,Gallagher com paniesmay participate in contingent and supplemental commission arrangementswith intermediariesand insurance companiesthat provide foradditional compensation if certain underwriting,profitability,volume orretention goalsare achieved.Such goalsare typically based on the total amountof certain insurance coveragesplaced by Gallagherwith the insurance company,not on an individual policy basis. Aeaeauu, Gallagher maybe considered to have an incentive to place your insurance coverageswith a particular insurance company.If you do not wish to have your commercial insurance placement included inconsideration for additional compensation,contactyour producer or service team for an Opt-out form. 3.Gallagher Companiesmay receive investment income on fiduciary fundstemporarily held uy them,oronm obtaining or generating premium finance quotes,un|esspmmu|tedbylaw. 4.Gallagher Companiesmay also accessor have an ownership interest in otherfacilities,including wholesalers,reinsurance intermediaries,captive managers,underwriting managersand othersthat act asintermediariesfor both Gallagherand other brokers in the insurance marketplace some of which may earn and retain customary brokerage commission and feesfortheirwork. If you have specific questionsaboutany compensation received by Gallagherand itsaffiliatesin relation to your insurance placements,please contact youroa||agher representative for more details. In the event you wish to registera formal complaint regarding compensation Gallagher receivesfrom insurersorthird-parties, please contact Gal laghervia e-mail at Com pensation—Complaints@ajg.com or by regular mail at: Chief Compliance Officer oa||agm»ro|oua|emxerage ArthurJ. oa||agheruCo. uosn Golf Rd. Rolling Meadows,|Lsnnno Tm/VTmpRA o|sx|u|me, If this proposal containsoptionsto purchase TRIA/TRIPRA coverage,the proposed TRIAFFRIPRA program may notcoverall terrorism losses. While the amendmentsto TRIA eliminated the distinction between foreign and domestic actsof terrorism,a numberof linesof coverage excluded underthe amendmentspassed in 2005 remain excluded including commercial automobile, burglary and theft insurance;surety insurance,farm ownersmultiple perilsand professional liability(although u|ectorsanuofficers liability isspecifically included).If such excluded coveragesare required,we recommend thatyou consider purchasing a separate terrorism policy.Please note thata separate terrorism policy forthese excluded coveragesmay be necessary to satisfy loan covenantsor other contractual obligations.TRIPRA includesa$100 billion capon insuren:aggregate liability. TRIPRA isset to expire on December3l,2027.There isno certainty of extension,thusthe coverage provided by yourinsurersmay or may not extend beyond December3l,2027.In the event you have loan covenantsorothercontractual obligationsrequiring that TRIA/TRIPRA be maintained throughoutthe duration of yourpolicy period,we recommendthat a separate""Stand Alone""terrorism policy ue purchased m satisfy those obligations. Monroe County Board of County CommissionersGallagher Property Estimator Disclaimer These property valueswere obtained usinga desktop Property Estimator software operated by non-appraisal professionals.These property valuesrepresent general estimateswhich are notto be considereda certified appraisal.These property valuesinclude generalitiesand assumptionsthat may produce inaccuratevaluesfor specific structures. Terms and Conditions It is important thatwe clearly outline the nature of our mutual relationship.The following termsand conditions(these"Terms") govern your relationship with Gallagher unlessyou have separately entered into a written servicesagreement with Gallagher relative to the policiesand servicesoutlined in this Proposal,inwhich case that servicesagreement will govern and control with respect to any conflictswith these Terms.These Termswill become effective upon yourexecution of the Client Authorization to Bind Coverage(the"CAB")included in this Proposal and shall survive forthe duration of your relationshipwith Gallagher relative to the policiesplaced pursuant to the CAB orotherwise atyourrequest. Services Gallagherwill represent and assist you in all discussionsand transactionswith insurance companiesrelatingto the Iinesof insurance coverage set forth in the CAB and any other linesofinsurance coveragewith which you request Gal lagher'sassistance. Gallagherwill consultwith you regarding any mattersinvolving these or other coveragesforwhich you have engaged Gallagher. You have the sole discretion forapproving any insurance policiesplaced,aswell asall othermaterial decisionsinvolving yourrisk management,risktransfer and/orloss prevention needs. Although you are responsible fornotifying applicable insurance companiesdirectly in connection with any claims,demands,suits, noticesof potential claimsoranyothermattersasrequired by the termsand conditionsofyourpolicies,Gallagherwill assist you in determining applicable claim reporting requirements. Treatment of Information Gallagher understandsthe need to protectthe confidentiality and security of your confidential and sensitive informationand strives to comply with applicable data privacy and security laws. Your confidential and sensitive information will be protected by Gallagher and only used to perform servicesforyou;provided that Gallagher may disclose and transfer your information to ouraffiliates, agentsorvendors that have a need to know such information inconnectionwith the provision of such services(including insurance markets, as necessary, for marketing,quoting,placing and/or servicing insurance coverages). We may also disclose such information asrequired by applicable data protection lawsorthe orderof any court ortribunal,subject to our providing you with prior notice aspermitted by law. We will(i)implement appropriate administrative,physical and technical safeguardsto protect personal information;(ii)timely report security incidentsinvolving personal information to affected partiesand/or regulatory bodies;(iii)create and maintain required policiesand procedures,and(iv)complywith data subjects'rights,asapplicable. To theextentapplicableunderassociated data protection laws,you are a"business" or"controller"and Gallagherisa"service provider"or"data processor."You will ensure that any information provided to Gallagher hasbeen provided withany required noticesand thatyou have obtained all required consents, if any and where required,orare otherwise authorized to transferall information to Gallagherand enable Gallagherto process the information forthe purposesdescribed in this Proposal and asset forth in Gallaher'sPrivacy Policy Iocatedat hops://www.aig.com/privacy policy/.Gallaghermay update its Privacy Policy from time to time and any updateswill be posted to such site. Dispute Resolution Gallagherdoesnot expect that itwill everhave a formal disputewith any of itsclients. However,in the event thatone should arise, we should each strive to achieve a fair,expedientand efficient resolution and we'd like to clearly outline the resolution process. A.If the partieshave a dispute regarding Gallagher'sservices or the relationship governed by this Proposal("Dispute"),each party agreesto resolve that Dispute by mediation.If mediation failsto resolve the Dispute,you and Gallagher agree to binding arbitration. Each partywaivesall rightsto commence litigation in court to resolve a Dispute,and specifically waivesall rightsto pursue relief by class action ormassaction in courtorthrough arbitration. However,the partiesdo notwaive the ability to seeka courtorderof injunction in aid of the mediation and arbitration required by these Terms. B.The party asserting a Dispute must provide a written notice("Notice")ofthe claim to the otherparty and to the American Arbitration Association("AAA")in accordance with its Commercial Arbitration Rulesand Mediation Procedures.All Dispute resolutionswill take place in Chicago,IL,unlessyou and Gallagheragree to another location.The partieswill equally divideall costs of the mediationand arbitration proceedingsand will each pay theirown attorneys'fees. All matterswill be before a neutral, impartial and disinterested mediator orarbitrator(s)that have at least 20 years'experience in commercial and insurance coverage disputes. mo �ll��llllllll�" Monroe County Board of County CommissionersGallagher C. Mediation wiIIoccurwithinsixty(60)daysof filingthe Notice with the AAA.Mediation resultswil a reduced to a memorandum of understanding signed by you,Gallagherand the mediator. A Dispute that isnot resolved in mediation will co m me n ce to b i nd in g arbitration. For Disputesin excess of$500,000,either party may elect to have the Dispute heard by a panel of three(3)arbitrators. The award of the arbitrator(s)must be accompanied by a reasoned opinion prepared and signed by the arbitrator(s). Except asmay be required by law,neitheryou,Gallagher,nora mediator orarbitrator may disclose the existence,content orresultsofany Dispute or itsdispute resolution proceeding without the priorwritten consent of both you and Gallagher. Electronic Delivery In lieu of receiving documentsin paperformat,you agree,to the fullestextent permitted by law,to accept electronic delivery of any documentsthat Gallagher may be required to deliverto you(including,but not limited to,insurance policiesand endorsements, account statementsand all other agreements,formsand communications)in connectionwith servicesprovidedby Gallagher. Electronic delivery of documentto you may be made via electronic mail or by otherelectronic means,including posting documents to a secure website. Miscellaneous Terms Gallagher isengagedto perform servicesasan independent contractorand notasyouremployee oragent,and Gallagherwill not be operating in a fiduciary capacity. Where applicable,insurance coverage placementsand other servicesmay require the paymentof federal excise taxes,surplus Iinestaxes,stamping orotherfeesto the Internal Revenue Service,various State(s)departmentsofrevenue,state regulators, boardsor associations. In such cases, you will be responsible forthe payment of the taxesand/orfees,which Gallagherwill separately identify on related invoices. The Proposal and these Termsare governed by the Iawsofthe State of Illinois,without regard to itsconflictof law rules. If an arbitrator/court of competentjurisdiction determinesthatany provisionof these Termsisvoid or unenforceable,that provision will be severed,and the arbitrator/courtwill replace itwith a valid and enforceable provision that most closely approximatesthe original intent,and the remainderof these Termswill remain in effect. Exceptto the extent in conflictwith a servicesagreement that you may enterintowith Gallagher,these Termsand the remainderof the Proposal constitute theentire agreement between you and Gallagherwith respectto the subject matterof the Proposal,and supersede all prior negotiations,agreementsand understandingsasto such matters. i �ll��llllllll�" ............. ...,,,,,,,,,,,,,,,,,,,,, Monroe County Board of County Commissioners gA*Gallagher OOCORE360" Quataflons & cu Sc[-,iedde Client Name: Monroe County Board of County Commissioners ............ ACE Property and Casualty AJGRMS —Aeros AJG—Las Vegas Airport Liability Insurance Company Las Vegas $55,239 7.5 % 7.5% 1.V\1e were able to obtain more advantageoustermsand conditionsforyou through an intermediary/wholesaler. 2.Ifthe premium isshownasan indication:The premium indicated isan estimate provided by the market.The actual premium and acceptance of the coverage requested will be determined by the market after a thorough review of the completed application. 'A verbal quotabonwasreceived from thiscarrier.We are awaiting a quotation in writing. 3.The commission rate isa percentage of annual premium excluding taxes&fees. .............. ma Monroe County Board of County Commissioners gA*Gallagher We approached the following carriers in an effort to provide the most comprehensive and cost effective insurance program. ACE Property & Casualty Insurance Company Airport Liability Incumbent Quoted .................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................. Old Republic Airport Liability Would not take submission until 3/27/22. No response .................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................. AIG Aviation Airport Liability Would not accept submssion until 4/28/22. No response .................................................................................................................................................................................................................................................... Endurance Airport Liability Declined .................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................. QBE Airport Liability Declined .................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................. Starr Aviation Airport Liability No response ......AXA..XL...Specialty................................................................................................................................................Airport ...Liability...........................................................................No.....res.....ponSe............................................................................................................... i mo �ll��llllll��