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Item O07
07 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 m' David Rice,District 4 Board of County Commissioners Meeting September 20, 2023 Agenda Item Number: 07 2023-1458 BULK ITEM: No DEPARTMENT: Risk Management TIME APPROXIMATE: STAFF CONTACT: Brian Bradley AGENDA ITEM WORDING: Approval to renew National Union Fire Insurance company through VFIS agency with annual premium of$160,353.65 ($154,603 for Emergency Vehicle Physical Damage, $5,705 for Portable Equipment and $45.65 for all taxes, surcharges and fees) and authorization for the Risk Manager to sign all necessary forms. ITEM BACKGROUND: Currently Monroe County's Emergency Vehicle Physical damage and portable equipment insurance coverage are provided by National Union Fire Insurance Company through VFIS Insurance agency. This policy provides coverage for damages to the County's emergency vehicles and portable equipment with an effective policy term of October 1, 2023 to October 1, 2024. This policy is uniquely beneficial over policies from other potential carriers because it provides emergency vehicle coverage on a "scheduled value" basis rather than an "actual cash value" basis and also provides "guaranteed replacement value" for the County's communication equipment used for firefighting, ambulance and rescue operation. Premium increase is +15.25% over last year. Due to the unique terms and conditions of this policy coverage required by the County, this policy is exclusive in the market and is not benefited by the competitive bidding process. Staff seeks approval to exempt the acquisition of this policy from the competitive bidding procedures pursuant to and as authorized by County Purchasing Policy Chapter 10 -Purchase of Insurance, and Monroe County Code Section 2-347(e)(5)g, which provides that policies, which due to the unique terms and conditions required by the County, are exclusive in the market and thus are not benefited by the competitive bidding procedures may be exempted from formal competition. Attached as backup are the following, Purchasing Policy Chapter 10 and MCC Section 2-347(e)(5)g. PREVIOUS RELEVANT BOCC ACTION: September 21, 2022- BOCC approved the current emergency vehicles and portable equipment damages insurance policy. On July 15, 2015 - BOCC approved Ordinance 015-2015 which added Sec. 2-347(e) (5)g to the MCC and the Purchasing Policy was revised to authorize this type of policy to be acquired as 3863 an exclusion and exempt from the competitive bidding process. CONTRACT/AGREEMENT CHANGES: VFIS insurance renewal. STAFF RECOMMENDATION: Approval. DOCUMENTATION: MCC SEC 2-347(e)(5).pdf Consent-to-Rate/Excess Rate Application VFIS proposal 23-24.PDF FINANCIAL IMPACT: 503-08502 - RISK MGMT INSURANCE. 3864 Monroe County Code Sec. 2-347(e)(5) (5) The competitive bidding procedures are not required to apply to the following: a. Professional service covered by the Consultants' Competitive Negotiation Act (F.S. § 287.055). Other professional services may be exempted by the BOCC from the competitive bidding process when price is only a minor concern compared to qualitative considerations; b. All purchases of services controlled by the public service commission or other governmental authority including but not limited to utility/local telephone services as defined in section 2-346; c. Cellular telephone services; on-going payments and fees for maintenance and support of existing software technology which has been purchased in accordance with existing procurement requirements; software packages for personal computers approved by the county's technical services department; d. Legal services, lobbying services, investigative services, interpreter services, court reporter services, and advertising services; e. Change orders authorized under a lawfully executed county/contractor contract; and f. All solid waste services including but not limited to collection franchise agreements and operations and maintenance agreements. g. All builder's risk insurance policies; or policies which due to the terms and conditions required by the county are exclusive in the market and thus not benefitted by the competitive bidding procedures. 3865 FLORIDA CONSENT-TO-RATE/EXCESS RATE APPLICATION (Maintain in Underwriting File for 3 Years) Name of Insured: The Monroe County Board of County Commissioners 1111 121h Street,41h Floor Key West,FL 33040-1026 Address: VFNU-CM-0021866-03 Policy Number: 10/1/2023-10/1/2024 Period of Coverage: Kind of Insurance&Hazards To Be Insured: —"6.�-Phyg+s,'nl.,,age $1,000 Comp deductible/$1,000Co II deductible Limits or Amount of Insurance: Filed Rate: $33,804 Excess Rate:$14S,90S Reason for Excess Rate: I am willing t experience overtMe last 10 years Mas beenpoor. in or-der Tor tMe company to agree to insure myorganization,I am willing toaccepttNC3 premium at a highert an i e rate. $14S,90S 431% Premium: %of the usual premiimrdevetoped at rates filedwith the Division/Department oflnsurance. The undersigned hereby certifies that he/shehas been unable to obtain insurance againstthe hazards)noted aboveforthe reasons cited. In consideration,National Union Fire Insurance Company of Pittsburgh,Pa. has agreed to issue to him/her their policy covering the hazard(s)mentioned,at the premium noted above. The undersigned hereby requests issuance of said policy,and accepts suchat the higherrate. V Applicant's Signature 8/29/2023 Date 3866 PROTECT YOUR YOUR ASSETS. YOUR FUTURE* THE MONROE COUNTY BOARD OF „a.. COUNTY COMMISSIONERS �K o VN,,l� PRESENTED BY: VFis of FLORIDA P.O. BOX 2726 YORK, PA 17405 800.233.1957 � y DATE. 09/11/2023 R', This proposal is valid for 90 days. / e 3867 0WIS., Table of Contents THANK YOU FOR RENEWING............................................................................................................ 3 THE VFIS ADVANTAGE...................................................................................................................... 4 RISK MANAGEMENT SERVICES ......................................................................................................... 6 PROPOSAL........................................................................................................................................ 8 GENERAL INFORMATION .............................................................................................................. 8 PORTABLE EQUIPMENT ................................................................................................................ 9 AUTO.......................................................................................................................................... 12 PROPOSAL NOTES....................................................................................................................... 20 PREMIUM SUMMARY................................................................................................................. 21 PLUS MORE VALUE!............................................................................................................ 21 OTHER VFIS PRODUCTS AVAILABLE ................................................................................................ 22 VFIS ORDER FORM ......................................................................................................................... 23 THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS Z C01239 3868 0WIS., THANK YOU FOR RENEWING Thank you so much for choosing to renew your insurance with VFIS.Your choice means a lot to us. Since 1969,we have worked to provide quality support and protection, a focus on safety and training and legendary claims service to our clients.Together, our associates boast over 550+years of combined emergency services experience, so we pride ourselves on not just serving your industry, but also on living it, respecting it and protecting it. We hope you've felt the VFIS difference, and that it has inspired your choice to remain a client. As our client you are part of a large and growing group of emergency service organizations, including fire departments, ambulance and rescue squads and 911 centers. We take the responsibility of protecting your most important assets very seriously, and have dedicated our lives to protecting you just as you've dedicated yours to protecting others. We understand the risks that you face each time you leave for a call, and have listened to your concerns for your family, crew, equipment and your station. It is our hope that because you have our customized insurance options, educational opportunities, training and risk management resources on your side,you can head out for those calls each day feeling more confident, secure and protected. At VFIS,we look forward to continuing to serve you, and hope to continue to not only meet but exceed your expectations. Please visit our website at vfis.com to learn more about the services we offer, or give us a call at 800.233.1957 to share stories and ideas or ask questions at any time. Troy A. Markel President W11�1`lili� L,IVE 11"'111"61 u uuuuuuui �RESPECT o uuuiuiiiuui iINNNNNN PROTECT 11111111111111101 3869 0WIS., THE VFIS ADVANTAGE Nothing is created equal. You clearly know the best fire truck manufacturer and the best place to get your gear.You wouldn't sacrifice quality for cost on these items, so why skimp on your insurance coverage? At VFIS,we've seen the front lines and we pioneered insurance specifically for emergency services.We understand the risks you face every time you leave for a call.That's why we not only offer customized insurance options, but education, training and risk management resources to keep your skills on point. Add in our responsiveness, quality service and legendary claims handling and you can see what separates us from the rest. Don't be fooled by a knock-off. You,your equipment and your crew deserve the best coverage. You dedicate your life to protecting others. We dedicate ours to protecting you. On top of all of the best-in-class coverages and features ESO's have come to expect from VFIS,we also offer some unique benefits our competitors just can't match. ,,,,,,,,,,,,,,,"I'l""I'll""I'll'll"I'll"I'll",'ll"I'll"I'll'll""I'll""I'll""I'll""I'll",'ll"I'll"I'll",'ll"I'll"I'l'll"I'll"I'll""I'll"I'll,,'ll"I'll"I'll",'ll"I'll"I'l'll"I'll"I'll""I'll"I'll,,'ll"I'll I....,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, Accident& Sickness • 200%of the Principal Sum for quadriplegia and paraplegia and 100%for hemiplegia • Illness Loss of Life Benefit paying for death due to heart attack or stroke within 48 hours of an emergency response or physical training exercise vs. requiring such a death to be "caused by" a covered activity Risk Management • 100+ "Manage Your Risk" best practice guidelines available for download • Self-evaluation program to identify areas for improvement • Technical assistance in interpreting and applying codes/standards and regulations • Building replacement cost estimates • On-site hazard identification and risk control surveys • Industry cause of loss statistical reviews and individual loss trending studies • On-site seminars regarding key loss exposures • Safety focused ride along observation programs • Provide resources that help with Human Resources Specialty Benefits • Minimum 3%guaranteed rate of return on LOSAP funds • Accidental burn and disfigurement and burial benefits • Optional 200% line of duty coverage • Critical illness coverage for heart attack, stroke, kidney failure and cancer • Benefits paid out at lump sum upon diagnosis— not as an expense reimbursement • 24 hour on-and-off duty benefits THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 4 C01239 3870 0WIS., Education, Training & Consulting Services Our staff has over 300 years of Emergency Services experience and we have industry alliance with CFSI, NVFC, NFPA, IAFC, NFFF, NEMSMA, NAEMSO,VCOS, FDSOA. We have a proud tradition and history of being a leader in providing our emergency services clients with quality training programs and other risk management tools. VFIS provides client access to; • In person training programs • Online training programs • Downloadable training booklets &safety forms • Safety posters • A brief overview of the training material we offer can be found in our training resource catalog. ETC-Resource-Catalog-VFIS.pdf Distance Learning VFIS University offers quality online education and training courses for emergency responders, many of which are recognized as meeting industry continuing education requirements, and you'll receive a certificate upon completion of each course. All courses are available online 24/7 so you can work to better prepare for every call, help reduce your risk for injury and loss and increase your skillsets to better support your team and community—all from the convince of your home or work computer. THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 5 C01239 3871 0WIS., RISK MANAGEMENT SERVICES VFIS is more than just a company that you can use to transfer risk. As a valuable service to your organization, VFIS provides Risk Control, Education and Training Services. Our Risk Control team is staffed by active emergency service personnel with more than 200 years of combined emergency service experience. Employment Practices It's important to keep up with the latest on employment law liability issues.Through our VFIS HR Help portal,we work to keep our clients up to date and provide timely resources that educate and inspire good employment practices.Through risktools.vfis.com we provide: • Web-based EPL training that tracks employees' progress and completion • Tools to evaluate your current HR policies • Articles highlighting relevant workplace issues • Checklists to discover areas of exposure • Lawsuit and court decision summaries • Free model HR policies and forms for download Communiques/Safety Bulletins/Checklists VFIS has over 100 technical reference bulletins covering fire and EMS operations, vehicle operations, employment practices and ESO administration. On-site Risk Assessments VFIS can provide on-site risk control assessments in evaluating the effectiveness of existing procedures for controlling potential loss exposures.These assessments,where requested,will be provided by a Certified Safety Professional with experience in fire and emergency medical services. Self-Assessment Tools VFIS provides a web-based self-assessment guide (Mutual Aid by VFIS)which highlights known loss producing exposures and directs users to resources available to assist their organization in addressing them. Newsletters VFIS provides quarterly newsletters covering emerging topics of concern to emergency service leaders and personnel. THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 6 C01239 3872 0WIS., YOUR INSURANCE PROPOSAL This proposal is prepared from information supplied to VFIS on the application submitted by your insurance representative. The lines of business shown in this proposal are offered as a complete portfolio. Purchase of individual lines of business requires underwriting approval.This proposal may or may not contain all terms requested on the application. Proposed coverages are provided by the VFIS insurance policy forms and are subject to the terms, exclusions, conditions and limitations of those policy forms. Actual policies should be reviewed for specific details. Your insurance representative can provide specimen policies upon request. Your exposure to loss changes over time. Keep your insurance representative informed of any changes, so your coverage can be updated. We strongly recommend frequent reviews of your operations and VFIS coverage with your insurance representative. The proposed Property and Casualty coverage is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. (A.M. Best#19445). National Union Fire Insurance Company of Pittsburgh, Pa. is rated A (Excellent) in Financial Size Category XV by A.M. Best Company. VFIS Claims Management provides the claims management services for VFIS Program insureds exclusively. ©2021 Volunteer Firemen's Insurance Services,Inc. I All rights reserved. The VFIS Program is administered by Volunteer Firemen's Insurance Services,Inc.CA Insurance Producer License#01339073.Volunteer Firemen's Insurance Services,Inc.,an American International Group,Inc.(AIG)company,is a premier manager and specialist of specialty commercial insurance markets in the U.S.This proposal provides a brief description of proposed insurance coverages for your consideration.It is not a contract of insurance.Refer to the actual insurance policy for a description of coverage,exclusions and conditions.Specimen policies are available for your review.All products and services are written or provided by subsidiaries or affiliates of AIG.Products or services may not be available in all countries, and coverage is subject to actual policy language.Certain property-casualty coverages may be provided by a surplus lines insurer.Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 7 C01239 3873 0WIS., PROPOSAL GENERAL INFORMATION This Proposal reflects the renewal of policies listed below: Expiring Policy Number Renewal Date VFN U-TR-0021865-02 10/01/2023 V F N U-C M-0021866-02 10/01/2023 First Named Insured: THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS Mailing Address: 1111 12TH STREET, SUITE 408 KEY WEST, FL 33040-1026 Coverage Applies To: TAVENIER VOLUNTEER FIRE DEPARTMENT&AMBULANCE CORPS,INC SUGARLOAF KEY VOLUNTEER FIRE DEPARTMENT,INC KEY LARGO VOLUNTEER AMBULANCE CORPS,INC THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 8 C01239 3874 0WIS., PORTABLE EQUIPMENT Insurer: National Union Fire Insurance Company of Pittsburgh, Pa. Blanket Portable Equipment Coverage Covered For Limit Deductible All causes of physical loss unless Guaranteed Replacement Cost $250 excluded If Portable Equipment coverage is provided on a blanket basis,coverage is provided for all portable firefighting, ambulance and rescue related equipment owned or furnished for your regular use. Note that boats over 100 horsepower are not covered under blanket;they must be scheduled. THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 9 C01239 3875 0WIS., PORTABLE EQUIPMENT - COVERAGE HIGHLIGHTS The following apply unless noted otherwise in this proposal: Personal Effects Applies on and off premises while on authorized duty. Primary coverage (not excess over a homeowners policy,for example). Full replacement cost with no dollar limit. No deductible. Non-owned Portable Coverage for portable equipment of others temporarily in your possession. Equipment Automatic$50,000 limit. Unmanned Aircraft Pays to repair or replace your lost or damaged unmanned aircraft. (Drones) Coverage does not apply when the unmanned aircraft is: 1. rented, leased or loaned to others without an operator who is your employee or volunteer 2. used in any professional or organized racing, demolition or stunting activity.This includes practicing for such activity. $500 deductible applies. Pays up to$25,000 in any one occurrence. Deductible Waiver If a Portable Equipment claim occurs in conjunction with a claim under a VFIS Auto Physical Damage or Property coverage, the various deductibles will not be stacked. Only one deductible,the largest,will apply. Coverage to Replace We will pay for new compatible mobile or stationary chargers when Obsolete Chargers associated covered portable equipment is damaged and replaced. Theft of Portable At your request we will pay up to$5,000 for portable equipment taken by a Equipment by volunteer or employee no longer affiliated with your organization provided Member the equipment is reported as stolen. The most we will pay in one year is$10,000. Trailers Used to Physical damage coverage is provided automatically if the primary use of the Transport Covered PE trailer is to provide mobility to other covered portable equipment. Eee A portable generator is installed on a small trailer that can be pulled to ency scene by a number of vehicles;both the generator and its trailer covered under Blanket Portable Equipment. Blanket Coverage Applies to: 1. All boats up to 100 horsepower, and 2. All jet skis and waverunners regardless of horsepower. Scheduled Coverage Required for boats in excess of 100 horsepower. Reporting No need to determine equipment values if you select blanket coverage. VFIS will rate the coverage based on the number and type of vehicles you use. If you have properly reported all such vehicles, your portable equipment is covered up to its full replacement cost. THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 10 C01239 3876 0WIS., THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 11 C01239 3877 0WIS., AUTO Insurer: National Union Fire Insurance Company of Pittsburgh, Pa. Coverage Symbols Limits Bodily Injury/ Property Damage Combined Single Limit Not Included "No Fault" or Statutory Personal Injury Protection Not Included Medical Payments Not Included Uninsured Motorists Not Included Underinsured Motorists Insurance Not Included Hired & Borrowed Vehicles Included Commandeered Vehicles Included Volunteers/Employees as Insureds Under Non-Owned Autos Not Included Temporary Substitute Vehicles Included Fellow Member Liability Not Included Incidental Garage Liability Included Physical Damage Comprehensive 7,8 see Schedule of Vehicles Physical Damage Collision 7,8 see Schedule of Vehicles Schedule of Vehicles Vehicle Agreed ,.,,.comp. Coll. No. Year Make&Model VIN PE ACV Value Ded. Ded. 1 2007 E-ONE PUMPER TANKER 1HTWYAHT37J452586 PT $230,000 $500 $500 2 2007 OSHKOSH CHEM FOAM IOTBKAK107S094275 CF $689,949 $500 $500 3 2007 PIERCE PUMPER LDH 4PICE01A47A007888 PLDH $375,000 $500 $500 4 2008 HORTON AMB ALS 3HTMNAAM68N698467 ALS $180,000 $500 $500 5 2007 PIERCE AERIAL DEV 4PICDOH47A007860 AD $584,000 $500 $500 6 2010 FERRARA TANKER 1FVHCYBS8ADAS9707 T $302,550 $500 $500 7 2010 HME PUMPER 44KFT4288AWZ21905 PR $319,665 $500 $500 8 2011 OSHKOSH CHEM FOAM 1FDOW5HT5BEA06632 CF $227,701 $500 $500 9 2010 FORD F550 UTILITY TRUCK 1FDAW5HR2AEB04654 OTH X N/A $500 $500 10 2014 FORD RESCUE LT 1FDUF5GT2EEA27753 RTL $179,000 $500 $500 11 2015 FORD RESCUE LT 1FDUF5GT7FEA16801 RTL $179,000 $500 $500 12 2014 FREIGHTLNR TANKER 1FVHC5DV6FHGK6098 T $304,432 $500 $500 13 2014 FREIGHTLNR TANKER 1FVHC5DV8FHGK6099 T $304,432 $500 $500 14 2015 PIERCE PUMPER LDH 4PIBAAFF6GA016108 PLDH $424,902 $500 $500 15 2015 PIERCE PUMPER LDH 4PIBAAFF8GA016109 PLDH $424,902 $500 $500 16 2017 OSHKOSH CHEM FOAM IOTADLJFXJA783865 CF $592,672 $500 $500 17 2017 FORD RESCUE LT 1FDUF5GTXHEE87327 RTL $208,598 $500 $500 THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 12 C01239 3878 0WIS., Vehicle Agreed Comp. Coll. No. Year Make&Model VIN PE ACV Value Ded. Ded. 18 2019 PIERCE AERIAL 4PIBCAFF9KA020057 AD $643,305 $500 $500 19 2012 HORTON AMB ALS 1HTMYSKLOCH557187 ALS $27,300 $500 $500 20 2019 FORD FIRST RESPONDER 1FT7W2BT8KEE89043 FR $46,818 $500 $500 21 2019 FORD FIRST RESPONDER 1FT7W2BTXKEE89044 FR $46,818 $500 $500 22 2013 INTERNATIONAL AMB ALS 1HTMYSKLODH403449 ALS $37,500 $500 $500 23 2019 PIERCE PUMPER LDH 4PIBAAFF5KB019505 PLDH $499,262 $500 $500 24 2015 FORD AMB ALS 1FDUF5GT8FEC84059 ALS $166,322 $500 $500 25 2004 PIERCE PUMPER LDH 4P1CT02S54A004071 PLDH $90,000 $500 $500 26 2002 INT'LAMBALS 1HTMRADL13H574116 ALS $9,600 $500 $500 27 2006 FORD AMB ALS 1FDXF46P86EB47344 ALS $113,530 $500 $500 28 1992 FORD AIR CASCADE 1FDPK74P7NVA35763 AC $75,632 $500 $500 29 2010 INT'LAMBALS 1HTMYSKM4AH27378 ALS $26,700 $500 $500 30 2005 PIERCE PUMPER 4PICC01M05A004855 PR $140,000 $500 $500 31 2020 FORD PICK UP 1FTEW1CB7LFB88038 OTH X N/A $500 $500 32 2020 FORD AMB ALS 1FDUF5GTOLDA07052 ALS $234,111 $500 $500 33 2021 FORD RESCUE LT 1FT7W2A64MED49070 RTL $40,000 $500 $500 34 2021 PIERCE PUMPER LDH 4PIBAAFFOMB023464 PLDH $573,790 $500 $500 35 2017 CHEVROLETTAHOE 1GNLCDEC8HR370030 OTH X N/A $500 $500 36 2020 CHEVROLETTAHOE 1GNLCDKC2LR120053 OTH X N/A $500 $500 37 2021 FORD F150 1FTEW1CB7MKD60075 OTH $36,499 $500 $500 38 2021 FORD F150 1FTEW1CB9MKD60076 OTH $36,499 $500 $500 39 2021 FORD F150 1FTEWICBXMKD60071 OTH $36,499 $500 $500 40 2021 FORD F150 1FTEWICBIMKD60072 OTH $36,499 $500 $500 41 2021 FORD F150 1FTEW1CB2MKD60078 OTH $38,714 $500 $500 42 2021 FORD F150 1FTEWICBSMKD60074 OTH $36,499 $500 $500 43 2021 FORD F150 1FTEWICBOMKD60080 OTH $38,714 $500 $500 44 2021 FORD F150 1FTEW1CB3MKD60073 OTH $36,499 $500 $500 45 2021 FORD F150 1FTEWICBOMKD60077 OTH $36,499 $500 $500 46 2021 FORD F150 1FTEW1CB4MKD60079 OTH $38,714 $500 $500 47 2021 FORD F150 1FTEWICBXMKD60081 OTH $38,714 $500 $500 48 2013 DODGE CHARGER 2C3DXAG40DH646802 OTH X N/A $500 $500 49 2013 DODGE CHARGER 2C3DXAG40DH646803 OTH X N/A $500 $500 50 2021 FORD RESCUE LT 1FT7W2A64MED49079 RTL $38,533 $500 $500 51 2021 FORD F250 1FT7W2AT1MED51963 OTH $47,680 $500 $500 52 2021 SPRINTER AMB ALS W1W4EBHY3MT080976 ALS $173,160 $500 $500 53 2022 WFE DRAFT COMMANDER 1THHB3GVON1031183 PLDH $185,600 $500 $500 54 2021 FORD SERVICE 1FDOW4HN2MED53382 OTH X N/A $500 $500 THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 13 C01239 3879 0WIS., Vehicle Agreed Comp. Coll. No. Year Make&Model VIN PE ACV Value Ded. Ded. 55 2020 FORD SERVICE 1FD8W3GTXLED96380 OTH X N/A $500 $500 56 2005 PIERCE PUMPER LDH 4P1CS01A65AO05307 PLDH $344,189 $500 $500 THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 14 C01239 3880 0WIS., Schedule of Vehicles —Insured's Identifiers Only vehicles with an insured's identifier are shown below. Vehicle Insured's Identifier No. Year Make&Model VIN (How YOU refer to this vehicle) 1 2007 E-ONE PUMPER TANKER 1HTWYAHT37J452586 5970 2 2007 OSHKOSH CHEM FOAM IOTBKAK107S094275 5973 3 2007 PIERCE PUMPER LDH 4PICE01A47A007888 6277 4 2008 HORTON AMB ALS 3HTMNAAM68N698467 6507 5 2007 PIERCE AERIAL DEV 4PICDOH47A007860 6283 6 2010 FERRARA TANKER 1FVHCYBS8ADAS9707 6816 7 2010 HME PUMPER 44KFT4288AWZ21905 6939 8 2011 OSHKOSH CHEM FOAM 1FDOW5HT5BEA06632 6692 9 2010 FORD F550 UTILITY TRUCK 1FDAW5HR2AEB04654 6819 10 2014 FORD RESCUE LT 1FDUF5GT2EEA27753 8264 11 2015 FORD RESCUE LT 1FDUF5GT7FEA16801 8265 12 2014 FREIGHTLNR TANKER 1FVHC5DV6FHGK6098 8301 13 2014 FREIGHTLNR TANKER 1FVHC5DV8FHGK6099 8302 14 2015 PIERCE PUMPER LDH 4PIBAAFF6GA016108 8634 15 2015 PIERCE PUMPER LDH 4PIBAAFF8GA016109 8635 16 2017 OSHKOSH CHEM FOAM IOTADLJFXJA783865 9301 17 2017 FORD RESCUE LT 1FDUF5GTXHEE87327 9549 18 2019 PIERCE AERIAL 4PIBCAFF9KA020057 9821 19 2012 HORTON AMB ALS 1HTMYSKLOCH557187 9839 20 2019 FORD FIRST RESPONDER 1FT7W2BT8KEE89043 9967 21 2019 FORD FIRST RESPONDER 1FT7W2BTXKEE89044 9968 22 2013 INTERNATIONAL AMB ALS 1HTMYSKLODH403449 9971 23 2019 PIERCE PUMPER LDH 4PIBAAFF5KB019505 9602 24 2015 FORD AMB ALS 1FDUF5GT8FEC84059 8540 25 2004 PIERCE PUMPER LDH 4P1CT02S54A004071 8732 26 2002 INT'L AMB ALS 1HTMRADL13H574116 8906 27 2006 FORD AMB ALS 1FDXF46P86EB47344 5671 28 1992 FORD AIR CASCADE 1FDPK74P7NVA35763 3374 29 2010 INT'L AMB ALS 1HTMYSKM4AH27378 10078 30 2005 PIERCE PUMPER 4PICC01M05A004855 4999 31 2020 FORD PICK UP 1FTEW1CB7LFB88038 10411 32 2020 FORD AMB ALS 1FDUF5GTOLDA07052 10831 33 2021 FORD RESCUE LT 1FT7W2A64MED49070 10844 34 2021 PIERCE PUMPER LDH 4PIBAAFFOMB023464 4999 35 2017 CHEVROLET TAHOE 1GNLCDEC8HR370030 9249 36 2020 CHEVROLET TAHOE 1GNLCDKC2LR120053 10069 THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 15 C01239 3881 0WIS., Vehicle Insured's Identifier No. Year Make&Model VIN (How YOU refer to this vehicle) 37 2021 FORD F150 1FTEW1CB7MKD60075 10785 38 2021 FORD F150 1FTEW1CB9MKD60076 10803 39 2021 FORD F150 1FTEWICBXMKD60071 10771 40 2021 FORD F150 1FTEWICBIMKD60072 10770 41 2021 FORD F150 1FTEW1CB2MKD60078 10778 42 2021 FORD F150 1FTEWICBSMKD60074 10769 43 2021 FORD F150 1FTEWICBOMKD60080 10802 44 2021 FORD F150 1FTEW1CB3MKD60073 10806 45 2021 FORD F150 1FTEWICBOMKD60077 10805 46 2021 FORD F150 1FTEW1CB4MKD60079 10784 47 2021 FORD F150 1FTEWICBXMKD60081 10779 48 2013 DODGE CHARGER 2C3DXAG40DH646802 10799 49 2013 DODGE CHARGER 2C3DXAG40DH646803 10798 50 2021 FORD RESCUE LT 1FT7W2A64MED49079 10804 51 2021 FORD F250 1FT7W2AT1MED51963 10804 52 2021 SPRINTER AMB ALS W1W4EBHY3MT080976 11384 53 2022 WFE DRAFT COMMANDER 1THHB3GVON1031183 11795 54 2021 FORD SERVICE 1FDOW4HN2MED53382 11039 55 2020 FORD SERVICE 1FD8W3GTXLED96380 10458 56 2005 PIERCE PUMPER LDH 4PICS01A65A005307 4697 THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 16 C01239 3882 0WIS., AUTO PHYSICAL DAMAGE - COVERAGE HIGHLIGHTS Agreed Value Physical damage coverage on emergency vehicles is provided on an Agreed Value basis. In the event of a loss,you will receive the lesser of: 1. The cost to repair the covered vehicle; or 2. The cost to replace the part with a part of like kind and quality, without deduction for depreciation;or 3. The cost to replace the entire vehicle with a comparable new vehicle, manufactured to current specifications set by the NFPA,the U. S. Department of Transportation, or similar organization; or 4. The agreed value shown in the policy. Note: If the estimated repair costs for a damaged vehicle covered on an Agreed Value basis exceed 75%of the Agreed Value, and you choose not to accept payment under paragraph 1. or 2. (above),VFIS will pay the lesser of paragraph 3. or 4. (above). Under this arrangement,VFIS has the rights to all recovery and salvage. Furthermore,for repairs or replaced parts under paragraph 1. or 2. (above), VFIS will pay up to an additional 25%of the amount of the loss to cover the costs you incur in bringing the repaired or replaced parts into compliance with the latest safety standards. If recertification is required,we will also pay those costs. Example:A fire department has a 1976 Mack pumper with an Agreed Value of$50,000.While responding during an ice storm they lose control and slide into a tree.Damages are appraised at$40,000.The replacement cost of the truck at the time of the loss is$100,000.Since the Agreed Value selected by the insured is$50,000 and 75%of the Agreed Value is $37,500, the insured has the option to either repair the vehicle, taking the $40,000 settlement, or be reimbursed the Agreed Value of$50,000 with VFIS having the rights to the salvage. We use this method for emergency vehicles and, at the insured's option,for private passenger vehicles less than five years old. Actual Cash Value Settles the claim based on the current market value of the damaged vehicle or part(old for old). We use this method for most private passenger vehicles,service vehicles,some trailers and other non-emergency vehicles. Stated Amount Settles the claim by paying the lesser of: 1. The current market value of the damaged vehicle or part(old for old). or 2. The amount stated in the policy. We do not offer stated amount coverage because it is less advantageous to your organization than other methods. THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 17 C01239 3883 0WIS., AUTO PHYSICAL DAMAGE—COVERAGE HIGHLIGHTS—continued Deductible Waiver If an Automobile Physical Damage claim occurs in conjunction with a claim under a VFIS Portable Equipment or Property coverage,the various deductibles will not be stacked. Only one deductible,the largest,will apply. Additionally, regardless of the number of covered autos suffering a physical damage loss while engaged in a single firefighting, ambulance and/or rescue emergency, only one deductible,the largest,shall apply to the entire event. Example: A fire department's rescue truck is responding with lights and siren when it is struck by another vehicle in an intersection and flipped over on its side. The rescue truck sustains $20,000 of damages and the equipment inside the vehicle is broken and strewn across the roadway. The Waiver of Deductible clauses in the Automobile Physical Damage coverage and the Portable Equipment coverage provide that only one deductible, the largest, would be applied to the loss settlement. Collision Damages from overturn or collision with another object. Comprehensive Damages from causes other than collision or overturn. Freezing Coverage for permanently attached special equipment for loss caused by freezing, unless caused by failure to maintain the equipment. Includes, but is not limited to, pumps,gauges and tanks. No freezing coverage for loss to vehicle engines. Volunteers' or Covers damage to a member's personally owned vehicle: Employees' Personal 1. while enroute to, during, or returning from an emergency or other Automobiles activity on behalf of your organization, and 2. resulting from a covered cause of loss. Reimburses the members deductible up to $1,000 if insurance is carried or actual cash value if no insurance is carried. Member is required to maintain minimum state liability coverage. Airbag Coverage Covers loss caused by accidental discharge of an airbag. Hired, Borrowed or Coverage for hired, borrowed or commandeered vehicles on an actual cash Commandeered value basis. Vehicles Comprehensive deductible -$50. Collision deductible -$100. Coverage is primary. Temporary Substitute Coverage for fire trucks and ambulances with loss to be settled based on the Vehicles valuation method of the owner's policy, up to $1,000,000. Subject to the insured's deductible. Customized Vehicle Applies to vehicles, such as chief's cars, insured on an actual cash value basis. Extension Cost to replace custom features such as gold leaf lettering, light bars, sirens and radios on a replacement cost basis. Extended to equipment owned by the organization that's permanently installed in non-owned autos. THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 18 C01239 3884 0WIS., AUTO PHYSICAL DAMAGE—COVERAGE HIGHLIGHTS—continued Towing and Labor Coverage is provided for vehicles carrying comprehensive coverage. Labor must be performed at the disablement location. No mileage limit. Includes the cost to tow the disabled auto to multiple facilities as necessary, prior to delivery to the final repair facility. $2,500 limit applies. Recertification Included in claims settlement for covered losses. No limit applies. Removal of Apparatus Following a covered loss,the cost of uprighting, retrieving or towing the vehicle from Environmentally is part of the claim adjustment expense. Sensitive Areas No sub-limit applies. Rental Reimbursement If no spare or reserve units are available, we provide automatic coverage for coverage for Fire Trucks rental expenses for firefighting and rescue vehicles. Limit of$250 any one day for up to 40 days. Rental Reimbursement Coverage provided when loss occurs while enroute, during, returning from an for member's personally emergency or while at the direction and knowledge of an officer of the insured. owned vehicles Limit of$30 per day for up to 30 days. Full Glass Coverage No glass deductible for vehicles with comprehensive coverage. Garagekeepers $50,000 coverage for vehicles while left with an insured's garage operation. Insurance Comprehensive deductible -$250. Collision deductible -$500. Coverage is primary. Provides coverage for your organization if you service or store vehicles owned by others. THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 19 C01239 3885 0WIS., PROPOSAL NOTES General Note:This proposal is based solely on the insurance exposures of the organization(s) shown opposite the heading "Coverage Applies To". All of the coverages described here and any policies that we issue will apply only to injury or damage arising out of the firefighting, rescue, ambulance or incidental operations of the emergency service organization(s) listed opposite "Coverage Applies To". Note: Please have the enclosed Consent to Rate Document signed and returned for issuance. THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 20 C01239 3886 0WIS., PREMIUM SUMMARY THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS (FL) C01239 Premium Property .........................................................................................................................Not Quoted Crime..............................................................................................................................Not Quoted PortableEquipment............................................................................................................... $5,705 Auto ...................................................................................................................................$154,603 General Liability..............................................................................................................Not Quoted Management Liability.....................................................................................................Not Quoted ExcessLiability................................................................................................................Not Quoted Total Estimated Annual Premium ......................................................................................$160,308 (excludes state-imposed taxes, surcharges and fees) Total of all Taxes, Surcharges and Fees................................................................................. $45.65 PLUS MORE VALUE! RiskManagement................................................................................................................Included • Employment practices • Manage your risk—resources, check lists • Risk Management Consultants • On-site assessments/self-assessments Education, Training & Consulting.........................................................................................Included • Classroom seminars, training, resources—vfis.com • Distance learning—VFIS University • Consulting Available Volunteer Firemen's Insurance Services, Inc.® VFISO,VF ISO with design and Volunteer Firemen's Insurance Services,Inc.®are all registered service marks of the same PA Corporation. THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 21 C01239 3887 0WIS., OTHER VFIS PRODUCTS AVAILABLE Accident& Sickness Coverage - provides "on duty" coverage for members, auxiliary members,junior members, members in training, officers, deputized by-standers, trustees and board members, and volunteers asked by the organization to help with non-emergency events. Coverage listed below is provided when a member performs any normal duty of the department, whether it is an emergency or not. Insurance coverage underwritten by National Union Fire Insurance Company of Pittsburgh, PA. • Death Benefit • Lump Sum Living Benefit • Disability Income Benefit • Medical Benefit Critical Illness Insurance Program -a lump sum cash benefit is available to emergency service personnel, when diagnosed with a heart attack, stroke or life threatening cancer. Underwritten by ACE American Insurance Company, Philadelphia, PA. Coverage includes: • 24-hour, On and Off Duty Coverage • Lump Sum Living Benefit (for qualifying illnesses) Group Term Life Insurance -available for all members which includes active, retired, volunteers, career or auxiliary members. Underwritten by AIG, American General. Coverage includes: • 24-hour, On and Off Duty Coverage • Accidental Death and Dismemberment • Guaranteed Issue Life Insurance for Any Age Length of Service Award Program (LOSAP) -an incentive program to effectively retain existing volunteers, increase their level of participation and recruit new members. Life insurance underwritten by AIG Life Insurance Company and American Life Assurance Company of New York (Maine and New York). Group annuity contracts underwritten by Hartford Life Insurance Company. Coverage provided: • 24-hour, On and Off Duty Death Benefit • Monthly Income During Retirement Years • Disability Benefit THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 22 C01239 3888 0WIS., VFIS ORDER FORM THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS(FL) C01239 Coverage Effective/ Accept Decline Premium Expiration Dates Initial to accept Initial to decline Quoted coverage coverage Property Crime Portable Equipment Auto General Liability Management Liability Excess Liability Total Payment Plans Please indicate your choice of premium payment options.There are no installment fees. Payment plans do not include any applicable taxes,fees,and surcharges.They will be included with your initial invoice.Payment plans options do not apply to future endorsements.You will receive an invoice based on the payment plan selected.***Please Note—Any breakdown of premium values listed on this Order Form should not be used for billing purposes.On Installment plans,payment amounts will vary due to rounding on installment schedules.Ixlew e vuad t fm the invoice to b[[the im�L, ed, Remittance payment must match the invoice.*** [ ] Annual Default unless otherwise eligible and selected below [ ] Two-Pay $2,500 account minimum [ ] Four-Pay $3,500 account minimum [ ] Ten-Pay $10,000 account minimum Signature of Insurance Representative Date Agency Name/Address Producer/Service Rep. Before you return this form, you must: 1. Provide the INSURED'S Federal ID#: 59-6000749 2. Identify all mortgagees, loss payees and (for Auto only)additional insureds/lessors(provide address). 3. Choose$1,000,000 underlying limits when there is Excess Liability. This is not a binder,nor should it be used as one. This form is solely for the purpose of ordering property and casualty insurance coverages for which VFIS has provided a valid quote. Signature of Insured Date Comments/Notes: Internal Use Only: C01239 F, Qt Eff Dt: 10/01/2023 Doc ID: cebb207fl93d4fadbfO628791(.67e6fe Property: 0 Crime: 0 PE: 81954510000000 Auto:91954510000000 GL: 0 ML: 0 Excess: 0 THE MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 23 C01239 3889