Agenda 09/23/2014 Item #16E 49/23/2014 16.E.4.
EXECUTIVE SUMMARY
Recommendation to approve the purchase of Liability, Automobile, Workers
Compensation, Aircraft, Airport and other insurance coverage for FY 2015 in the
annual amount of $968,081.22, a reduction of 7.98% or $83,975.52.
OBJECTIVE: To fully market and implement a cost effective, best value Casualty Insurance program
for FY 2015.
CONSIDERATIONS: Pursuant to Florida Statutes Section 768.28 and Chapter 440, the Risk
Management Department administers two risk management funds (Fund 516 and Fund 518) to finance its
Property, Casualty and Workers' Compensation risk financing programs. Generally, the County's
deductible (self insured retention) is $300,000 per occurrence with the exception of Workers'
Compensation, which has a $500,000 per claim deductible. Claims are administered by Johns Eastern
Company. Insurance and Risk Management Services (IRMS) is the County's contracted broker of record
for coverage other than aircraft and airports. NationAir is the specialty broker for aircraft and airport
coverage.
The County purchases excess coverage to protect against catastrophic losses; to cover a cause of action
not limited by a state statutory tort cap (such as employment practices liability); to comply with contractual
requirements; or in the event that a claims bill is enacted pursuant to 768.28, Fla. Statutes.
For FY 2015, the program was fully marketed. IRMS sought quotes from forty -three (43) carriers. Twenty -
two (22) carriers responded with quotations. An analysis of coverage terms and pricing was compared to
the current program to determine which carrier(s) presented best value.
A Specifications Compliance Sheet is attached which illustrates each carrier's compliance with the
specified required coverage terms. A Premium Quotations Sheet is also attached which illustrates the
pricing of each carrier by line of coverage. Finally, a Recommendations Sheet is attached that presents
the recommended program.
The significant highlights of the FY 2015 renewal are as follows.
❑ Total premiums decreased 7.98% or $83,975 on an annual basis.
❑ The primary casualty coverage portion (General Liability, Automobile Liability, Workers
Compensation, and Errors and Omissions) decreased 13.3 %.
❑ There were increases in the cost of Excess Workers' Compensation and Maritime Liability
coverage which are reflective of increased ratable payroll or market conditions.
❑ The property insurance program renews on April 1, 2015 and is not included in this
recommendation.
❑ Flood insurance is not included in this submittal and will be presented separately.
All carriers hold a Best's financial rating of "A, Superior" or higher.
FISCAL IMPACT: Total premiums are $968,081.22 which reflects a reduction in cost of 7.98% or
$83,975.52. Sufficient funds have been budgeted within Fund 516, Property and Casualty Insurance and
Fund 518, Workers' Compensation Insurance to purchase coverage as outlined in the Executive
Summary and Recommendations Sheet.
GROWTH MANAGEMENT IMPACT: There is no growth management impact associated with this item.
Packet Page -3064-
9/23/2014 16.E.4.
LEGAL CONSIDERATIONS: This item has been approved as to form and legality and requires majority
vote for approval. — CMG
RECOMMENDATION: It is recommended that the Board approves the following:
1) The purchase of coverage as outlined in the Executive Summary and the Recommendations Sheet
effective October 1, 2014.
2) The rejection of Uninsured Motorist Insurance with the exception of scheduled take home vehicles,
authorizing the County Manager or designee to execute the necessary rejection forms.
3) Authorize the County Manager or designee to complete the applications or other documents
necessary to bind coverage and services effective October 1, 2014.
PREPARED BY: Jeffrey A. Walker, CPCU, ARM, Director, Risk Management Department
Attachments:
Recommendations Sheet
IRMS Coverage Analysis and Program Recommendation
Specifications Compliance Sheet
Premium Quotations Sheet FY 2015
Marketing Summary Sheet
Airports Renewal Quote- Global
Aircraft Renewal Quote- Nationair
Packet Page -3065-
COLLIER COUNTY
Board of County Commissioners
Item Number: 16.E.4.
9/23/2014 16.E.4.
Item Summary: Recommendation to approve the purchase of Liability, Automobile, Workers
Compensation, Aircraft, Airport and other insurance coverage for FY 2015 in the annual amount of
$968,081.22, a reduction of 7.98% or $83,975.52.
Meeting Date: 9/23/2014
Prepared By
Name: walker_
Title: Director - Risk Management, Risk Management
Approved By
Name: ColleenGreene
Title: Assistant County Attorney, CAO General Services
Date: 08/27/2014 04:41:10 PM
Name: PriceLen
Title: Administrator - Administrative Services, Administrative Services Division
Date: 09/08/2014 04:42:12 PM
Name: klatzkowjeff
Title: County Attorney,
Date: 09/10/2014 03:02:01 PM
Name: sherrykimble
Title: Management/Budget Analyst, Senior, Office of Management & Budget
Date: 09/12/2014 02:51:33 PM
Name: ochs_1
Title: County Manager, County Managers Office
Date: 09/13/2014 01:52:13 PM
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9/23/2014 16.E.4.
COVERAGE ANALYSIS AND RECOMMENDATION
As the insurance broker for Collier County, we have analyzed the different proposals received for the renewal of the Casualty Insurance Program.
The coverage terms and premium levels vary significantly between the proposals. While some of the proposals offer premium savings, they also
present serious coverage gaps.
It is our opion that the proposal offered by Princeton Excess & Surplus lines offers the best combination of coverage and premium and is the proposal
that we recommend.
Colony /Apex
The program offered by Colony /Apex offers a lower premium but includes various coverage gaps as oulined below.
Quote Review
Colony /Apex
General Liability
A significantly hi er Self- Insured Retention
$500,000 Compared to $300,000 Requested
Coverage for claims arising out of Immokalee Raceway
Not Included
Athletic Participants
Not Included
Sexual Abuse
Not Included
Medical Professional (Homeland)
Coverage as required by contract for EMS Director and Assistant Director
Not Included
Coverage for any liability of the County Because of he operation of the occupational clinc
Not Included
Coverage for employee wellness center
Not Included
Coverage for any liability of the County because of the operation of the Collier County
Health Department
Not Included
Auto Liability
A significantly higer Self - Insured Retention
$500,000 Compared to $300,000 Requested
No -Fault (PIP) coverage for take home vehicles
Not Included
Uninsured Motorist for take home vehicles
Not Included
Auto Physical Damage (Allianz)
Replacement Cost Coverage
Applies only on autos 3 years old an newer
• higher Named Storm deductible
$100,000 compared to $50,000 Requested
• higher Flood deducitble
$250,000 compared to $50,000 Requested
Coverage for the cost of renting a replacement ambulance or fire truck, for example, is
provide at a reduced limit
$10,000 compared to $100,000 Requested
Public Officials Liability (Western World)
Coverage is reduced for claims arising out of Eminent Domain/Inverse Condemnation
suits
$100,000 compared to $500,000 Requested
Coverage for back wages
Not Included
Coverage for claims arising out of the Collier County Airport
Not Included
Coverage for claims arising out of litigation that was filed or was pending prior to 10 /1 /14
Not Included
Coverage for claims arising out of circumstances that may have been known about prior to
10/1/14 that result in a claim during the policy period
Not Included
Packet Page -3071-
9/23/2014 16.E.4.
Brit Insurance (London)
Brit complies with all the coverage specifications in the same manner as Princeton but their premium is substantially higher.
Argonaut
The program offered by Argonaut offers a lower premium but includes various coverage gaps as outlined below
Quote Review
Argonaut
General Liability
Coverage for claims arising out of Immokalee Raceway
Not Included
Coverage for liability arising out of the Landfills
Very Limited
Coverage for claims from Liquor Liability
Very Limited
Medical Professional
Coverage as required by contract for EMS Director and Assistant Director
Not Included
Coverage for any liability of the County Because of the operation of the occupational clinc
Not Included
Coverage for any liability of the County because of the operation of the Collier County
Health Department
Not Included
Public Officials Liability
Coverage Form
Occurrence
Coverage for EMT's while acting within jail facilities
Not Included
Coverage for EMT's while acting within nursing homes or any facilities for the aged,
developmentally disabled, etc.
Not Included
Coverage for cliams arising out of the Colli er County Airport
Not Included
Coverage for claims arising out of litigation that was filed or was pending prior to 10/1/14
Not Included
Coverage for claims arising out of circumstances that may have been known about prior to
10/1/14 that result in a claim during the policy period
Not Included
Packet Page -3072-
9/23/2014 16.E.4.
Genesis `
The program being offered by Genesis offers a higher premium and includes various coverage gaps as outlined below:
Quote Review-
Genesis
General Liability
Coverage for claims arising out of Immokalee Raceway
Not Included
Auto Physical Damage (Allianz Global)
Replacement Cost Coverage
Applies only on autos 3 years old an newer
• higher Named Storm deductible
$100,000 compared to $50,000 Requested
• higher Flood deducitble
$250,000 compared to $50,000 Requested
Coverage for the cost of renting a replacement ambulance or fire truck, for example, is
provide at a reduced limit
$10,000 compared to $100,000 Requested
Public Officials Liability
Coverage is reduced for claims arising out of Eminent Domain/Invers Condemnation
suites
$100,000 compared to $500,000 Requested
Coverage for back wages
Not Included
Coverage for claims arising out of the Collier County Airport
Not Included
Coverage for claims arising out of litigation that was filed or was pending prior to 10/1/14
Not Included
Coverage for claims arising out of circumstances that may have been known about prior to
10/1/14 that result in a claim during the policy period
Not Included
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Package (GL, AL, POL)
Princeton Excess
Colony
Argonaut Insurance Company
Genesis
Ace
Brit
Berkley
Scottsdale
Allied World
Safety National
C.N.A.
Glatfelter Public Practice
Florida League of Cities
Florida Aassocation of Counties Insurance Trust
Casualty Renewal FY 2015
Marketing Summary
Quoted
Quoted
Quoted
Quoted
Quoted Indication of $700,000
Quoted
Declined Not Competitive
Declined Not Competitive
No Response
No Response
Declined County too Big
Declined County too Big
Declined
No Response
Auto Physical Damage
Princeton Excess Quote Included In Package
Colony Declined
Argonaut Insurance Company
Genesis
Brit
Allianz Global
Quote Included In Package
Quote Included In Package
Quoted Included In Package
Quoted Stand Alone
Public Officials Liability - Stand Alone
s° onse E-
Western World
Quoted
C.N.A.
No Response
Excess Workers Compensation
ns
Midwest Employers
Quoted
Colony
Quote Included In Package
New York Magic
Declined Not Competitive
Safety
Quote Indication of $225,000
NY Marine
Declined Not Competitive
State National
Declined Class of Business
Travelers
Quote Indication of $150,000
Ace
Declined Not Competitive
Liberty
Declined Not Competitive
Crime - Primary Response¢
Princeton Excess Quote Included In Package
Hanover Not Competitive
Argonaut Insurance Company Quote Included In Package
Packet Page -3078-
9/23/2014 16.E.4.
Casualty Renewal FY 2015 9/23/2014 16.E.4.
Marketing Summary
Crime- Excess'
Hartford Quoted"
Hanover
Quoted
Maritime Employers Liability (MEL)` s '
Atlantic Specialty Quoted
Excess Maritime Employers Liability.;. ze onse
4
Lloyds Quoted
Pollution Liability
XL Quoted
AIG
Accidential Death and Dismemberment oxs
Hartford Quoted
AIG
Quoted
Terrorism ox
Lloyds Quoted
Packet Page -3079-
Collier County Board of County Commissioners
Presented On: August 22, 2014
NATIONAIR
A V I A T 1 O N I N S U R A N G E
Presented by:
Vice President /Director, Public Entity Group: Tom Kaiser
Account Executive: Bernadette Manglaris
T, able of Contents
YourNationAir Service Team ................................................................................................................... ............................... 3
PremiumSummary ................................................................................................................................... ..............................4
PremiumPayment Considerations .......................................................................................................... ............................... 5
This proposal is for summary purposes only. It is subject to the specific terms, conditions, limitations, and exclusions
of the applicable insurance policy. In the event of any error, omission, or inconsistency, the terms of the applicable
insurance policy shall prevail.
E
Tot -jr Nat-ianAir Service e
Vice President /Director, Public
Entity Group
Account Executive
Service Center Manager
Director Business Insurance
Claims Advisor
TOM KAISER
Responsible for the overall placement and
tkaiser @nationair.com
management of your account.
Mobile: (402) 430 -6192
BERNADETTE MANGLARIS
Responsible for handling the day -to -day
bmanglaris @nationair.com
servicing of your account.
Direct: (630) 549 -3617
KRIS CAMPTON
Responsible for overseeing account
kcampton @nationair.com
executives and their daily service to your
Direct: 630 - 549 -3616
account.
DIRK OLSEN
Responsible for the placement and
dolsen @nationair.com
management of your non - aviation
Direct: 630 - 549 -3622
insurance.
TOM SURGALSKI
In the event of a complex, delayed, or
tsurgalski @nationair.com
otherwise unusual claim, a NationAir
Direct: 630 - 549 -3611
Claims Advisor will represent your
interests and make sure the underwriter
is meeting its coverage obligations. Claims
are initially processed by your personal
NationAir representative, who will
transmit the claim to the underwriter's
claims department. In the event your
claim requires special attention, a
NationAir Claims Advisor will assist you
with the claims process.
Fremmm, Summatry
Policy period through Global Aerospace is 10/1/13- 10/1/16. The premium is billed annually. The premium
for each year shall be the same as the first if there is no change in exposure.
Premium Payment . ,
Our Policy
Reinstatement
Cancellation
Past Due Accounts
Premium Financing
Return Premium Payments
Wire Instructions
IIIIiiRIIII
Premium payments should be received by NationAir by the due date indicated on the invoice to
avoid unintended cancellation of your insurance or a lapse in coverage.
If you have questions or do not understand any portion of your invoice(s), please pay the undisputed
portion and contact us promptly so that we may respond to your concerns.
Keep in mind that if your policy is cancelled for non - payment or late payment, the carrier will
determine if they are willing to reinstate coverage or not. Never assume that they will do so.
Should you cancel your insurance before its normal expiration date; the insurance company will
charge an earned premium. You will be responsible for paying this earned premium.
Premium payment is due within 14 days of the effective date of the policy, unless noted otherwise
on the invoice. Failure to pay premiums by the due date will subject your policies to cancellation for
non - payment of premium.
We welcome the opportunity to answer your questions and encourage you to call if further
explanation is needed.
If you prefer extended payment terms, we may be able to make arrangements with a third party
finance company. However, you must make this election at the time the policy goes into effect.
Contact us immediately if you wish to finance your premiums.
Since these payment plans are agreements between you and the finance company, you receive
billing notices, etc. directly from them. In order to avoid a lapse in coverage, your payment must be
received by the due date shown on your bill. We are not always kept up -to -date regarding the status
of your payments nor do we always receive copies. Please pay special attention to mailings you
receive from the finance company. Please refer to your written contract for all penalties or late
payment charges bearing in mind that the finance company does reserve the right to cancel the
policy for non - payment. If you receive a notice of cancellation for non - payment of premium, you will
be responsible to make sure that your premium payment reaches the finance company prior to the
cancellation date.
All inquiries regarding late payments must be directed to the finance company.
As required by the policy, all return premium payments (refunds) are made payable only to the
Named Insured on the policy (this is the same requirement for claim payments). Please ensure you
are able to deposit checks made payable to the Named Insured including up to two months after the
policy cancellation has been processed.
To the credit of: NationAir Insurance Agencies, Inc.
Routing Number: 101000019
Account Number: 316900415
Swift Number: CBKCUS44 (International Wires)
Commerce Bank 1699 Clarkson Road Chesterfield, MO 63017
#-I'-- -
NationAir Aviation Insurance
1525 Kautz Road, Suite 100
West Chicago, IL 60185
Phone: (800) 327 -2222
Vice President /Director, Public Entity
Group: Tom Kaiser
tkaiser@nationair.com
Mobile: (402) 430 -6192
Account Executive: Bernadette Manglaris
bmanglaris @nationair.com
Direct: (630) 549 -3617
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