Agenda 09/28/2010 Item #10D
Agenda Item NO.1 00
September 28.2010
Page 1 of 5
EXECUTIVE SUMMARY
Recommendation to approve the purchase of Liability, Automobile, Workers'
Compensation, Flood, Aircraft, and other insurance and related services for FY 2011 in
the amount of $1,718,637, a reduction of $100,125.
OBJECTIVE: To gain approval from the Board to purchase Liability, Automobile, Workers'
Compensation, Flood, Aircraft, and other insurance and related services for FY 2011 in the amount of
$1,718,637.
CONSIDERATIONS: Pursuant to Florida Statutes 768.28 and 440, the Risk Management Department
administers two risk management funds (Fund 516 and Fund 518) to finance its Casualty and
Workers' Compensation insurance programs.
A complete renewal summary sheet is attached which describes the purpose and cost of each
coverage. The various lines of insurance included in this recommendation include sixteen specific
lines of insurance coverage. To administer the program the County purchases claims administration
services and brokerage services.
Generally, the County's deductible (self insured retention) is the first $100,000 per claimant/$200,000
per occurrence with the exception of Workers' Compensation which has a $500,000 per claim
deductible. Claims are administered by Johns Eastern Company.
To assure sufficient coverage limits, the County purchases excess coverage where necessary, to
protect against large losses; to cover a cause of action not limited by a state statutory cap (such as
employment practices liability); to provide higher limits required by contract; or to cover a claims bill
pursuant to F.S. 768.28.
The significant highlights of the FY 11 renewal are as follows.
:J Total Premiums and Fixed Costs decreased 5.51% or $100,125 on an annual basis. This
savings is due primarily to a reduction in the cost of Excess Workers' Compensation ($40,801)
and the All Lines Aggregate Portion of the program ($43,336).
o The Excess Workers' Compensation carrier has offered a two year rate guarantee.
An extensive review is performed periodically to assure that the County's insurance program is both
comprehensive and competitive. A full review was completed in 2009.
The property insurance program renews on April " 2011 and is not included in this recommendation.
FISCAL IMPACT: Total premiums and fixed costs are $1,718,637, a reduction of $100,125. Funds
have been budgeted within Funds 516, Property and Casualty Insurance and Fund 518, Workers'
Compensation Insurance for the purchase of coverage as outlined in the executive summary and
renewal summary sheet.
GROWTH MANAGEMENT IMPACT: There is no growth management impact associated with this
item.
LEGAL CONSIDERATIONS: This item is legally sufficient for Board action. -SRT.
Aaenda 118m NO.1 00
September 28,2010
Page 2 of 5
RECOMMENDATION: It is recommended that the Board of Commissioners approves the following:
1) The purchase of coverage as outlined in the Executive Summary and the Casualty Renewal
Summary Sheet effective October " 2010.
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, 2010.
PREPARED BY: Jeffrey A. Walker, CPCU, ARM, Director, Risk Management Department
Item Number:
Item Summary:
Meeting Date:
Agenda Item NO.1 OD
September 28. 2010
Page 3 of 5
COLLIER COUNTY
BOARD OC :;OUNTY :;OMMISSiONERS
10D
Recommendation to approve the purchase of liability. Automobile, Workers Compensation,
Flood. Aircraft. and other insurance and related services for FY 2011 In the amount of
$1,718,637' a reduction of $100.125. (Jeff Walker, Risk Management Director)
9/28/20109:00:00 AM
Prepared By
Jeffrey A. Walker, CPCU,
ARM
Administrative Services
Division
Director Risk Management
Date
Risk Management
9/10/20102:24:57 PM
Approved By
Jeffrey A. Walker, CPCU.
ARM
Administrative Services
Division
Director - Risk Management
Date
Risl< Management
9!10f201Q 2:25 PM
Approved By
Scott R. Teach
County Attorney
Deputy Count~1 Attorney
Date
Count}f Attorney
9/13/20106:00 PM
Approved By
Len Golden Pries>
Administrative Services
Division
Administrator - Administrative Services
Date
Administrative Services Division
9/15f2010 5:14 PM
Approved By
OMS C.oordinator
County Managers Office
Date
OffiCE> of Management & Budget
9/16/201(: 10:50 /J..rl/:
Approved By
Therese Staniey
Office 01 Mana~:w.men: "-
5udpet
Manager - :)perations; Support - Trans
Dats
Office o~ Managemen: 8, 8udget
9,'16/20102:02 PM
Approved By
Leo E. Gens. Jr
C;ountj-' Managers Offi:::t:
:oumy ManagE:"
::Jate
Count] Mannge:-:;, Offic!;;
S!18t201f 12:0~. Dft
,'1 0 Lf)
::::'.,---
='00
N""T
"
-7CQQ)
- ('~ OJ
=,-l1l
(ii<Ll[L
=-@
~~
- "
Q>ru
oxn
<
'E "
" 0
E c:
c: '"
~ :;
~ Ul
0.5
c:> >-
>-'"
'E~ii
" Ul ~
o " "
UUc:
~~8:
0>-
Ul1.
!
z
"
c
~
"
"
:;;
ti
,
"
>- .!l
:.
E
E
"
'"
"
S
~
"
0.
s ~U)
Cl) tU c L.L
~.~ ~.~ ~
~t:;liic~
o~QiQ;.=
Ue'--ro>-
01 a.-t c (;) ~
:g ai ~ ~ ~ '5
.:; 01 . --0 0 lii
eE:f5~U)
O-ro.!:?u-t;-
w"t5Q)Q)~
;>,>-roVJ<IJ<IJ
Jl1 i C- ~ ~~
<IJ O-"E C i5.L.L
01 0 IV'- E .
~ 0.. E ~ Cl) ~
Cl) ";>,.--'-0"""
~ i::'..Q E c: {f)
u ;:I 0--= ro LJ..
i::':~ E vJ c .
l'C;>,1V Q) ffi~
E'C 2-'~ E cO
&..8 ~ :E'.g ie
~
"
c:
"
i::
"
'E
"
"
.
"
"
u
~ ~
ESe-
~c7j
c~
.;:: c:
C- ro
o 0
8 ;>, 0
6 m ~ .€~
fJiV~Bo
~ ~::J.~::2
5(9~~a;0.
~oiitUEE
Q) '-- 0'(3';:: 0
::-~~~UU
Q) c:..... OO'VJ
~~~J:?~di
8 8 .~-g ~-g
00:=0..05:
o di ~ -g ~ o~
;; 0..--' roY'l,,-
"
:;,
M
<f
-
-
~
"
..
c
~
.c:
"
..
E
"
E
"
ltJ!l
;: 'e
~~
" c
" ~
1l
"
.~
0.
~
'"
-
.,;
M
'"
!1
.is
tU ~
~
c 0
o S
CJ <i
o 0
o 0
o 0
6.2:'0
8B 8
V;~;;^
~
"
c
~
E
':J!l
E .-
" E
Q:::i
o
-
M
'"
..
N
Ul
'"
ro
~
C 0
o S
CJ <i
o 0
o 0
o 0
6.2:'6
8B 8.
~::J if;
~
~
"
Co
~
....
~
.~
"0
0.
$
ro
c> ~
" 0
0, "
c> ro
" -5
" ';
. C-
:S ~
<1
E
-'"
"* 0- m
'(3 E 0
~ 0 0
o u ~
:2 ~ Cl)
:D ~ E
~ 0 C5
o " 0
000
000
6 0 ci
o c5 0
0.00.
;; ~ ~ to'}
.
!1-ro~ ~
ii ,g 5 cD
m 0 U .....
..:::J .~ ~ Cl) C'l
:g ~ u~
C- 0
o S 0
000
000
006
000
000
U; ~ ;; to'}
!Q
....-roB
..Q C VJ
IV.Q E >,
ent:;E!.D:;::
~~::alJl1
~~SE~
u "UJ:: Q)
~ ~,~ o-g
.grot)Ci.l..
.:; ~ ~ ~ lis
e --o.::-:6-g
0->-1:: ro;:l
.... t Q)::
~ 8.. E "0 ..q
!!1 0 ~ ~ 5
~:s. 0.00 E
:0 c=. ~ ~.;
~ '~-g ~ ~
~~~,~~
)( 0 U Q.) 0
w.o m a. Ul
.
.
o
u
~2
B ~
~'"
c~
.;:: I::
C- ro
!1 Ul
B tU
ro u
::; '-<=
o
~
:0
,
C-
o
o
o
D
o
o
ro
~
C
o
CJ
o
o
o
D
o
o
;;;
"
~
'"
';-
~
.
ro
'u
~
rn 0
W :2
C :0
o ,
CJ C-
o 0
o 0
o 0
6.co
0=0
one
.,..; .~ "<i
~-"~
.
ro
Q
ro
W ~
C :0
w ,
CJ "-
o 0
o 0
o 0
o .co
8. :5 g
_ro"':
th"..:::JiH
~ ~
:E fIl
. -5
:J :s
. "-
~ ]
w ::;
g.~
.~ --0
ro-1:
~"
::u
:g ~
_ 0
. .
>~
o 0
U.c:
.90
E E
~ .~
c>o
K~
~o
- .
:ft5 i:;'
UJfIl=
~ _ 0
000
-g:5~
Wo_
ro
.
2
L
0-0
-0 ~
C 0
:0:0
~
o
C
Q
0'
o
~ Q)
8 g
o ~
6 :s
o U
U
~ 0
"
::.
';-
'"
'"
'"
.,;
~
is
o
N.
N
~
E
.~
t!
~
,...
o
o
o
o
o
o
~~
w
8 m
0. tC Q.)
0::: m
o [I;l en
6;S ~
~ g ~ ffl
"
o
E-s
~-
.E~
0,,"
~-g
o .
> .
o ~
U[jjJ!1
c>o.
~ is:Si
.~.c :t;
> . 0
e'6 u
0..Q):5
lis ~5.
~.Q >-
- On
~ E Q)
o 0 U
'5 ~ ffi
~ ~ E
~ E.g
K _ 0
Woo
o
U
o
~
,
.
E
"
o
'E
ro
I
o
o
o
D
o
o
;;;
"
:;,
~
"i
Ul
..
N
..
~
o
N
"'
o
o
~
o
0.
E
~
-0
ID
o .
E-;g
-- >0
U'- ii)....
. '
.00.
. 0 ~
::i.!:,"'='
x _!!! E
UJ c::;
o
..
..
'"
0.
Ss
~"E
.!!l ~
o .
.2 ~
ro 0
. 0
o c>
o ~
o 0
E >
o 0
U U
. ~
~ 0
~S
Om
""
. 0
.-0
~ .:;
K e
W 0
.
- "
. ~
~%
12 E
"'w
ro
o
~
N-5,
C '
~~
" 0
" 0
0-0'
o ~ N
o rn ~
000
o OI-t!
g2g
Y'l ~ 01
...
M
N
..
~
o
o
% ~
E 'm
W ~
o ~ 0
o Vi 0
00 0
o C 0
00 0
5~ ~
",0
'"
'"
'"
,.:
N
v; fA
~
m
M
o .;
o '"
% ~
c ro
W 0.
o~o
0(;)0
00 0
6 I:: 0"
00 0
0",0
~c3 ;A to'}
ci.
E
o
u
.~
o
~
~
;:
.
.
.
U
.
UJ
UJ :i
ro 0
.c=
u.c:
o u
. .
.
_ 0
.~ ~ g
p ~ 5
c: E Ul
ro C I::
S ~~
IlJ I:: Q)
g:~g-
E:E :s.
ro ~ ~
-0 0 0
28 -g
,
Q) ro"O
m 0
~ VJ '0
~ iV.2
8:g~
E
ro
o
iii
-0
~
'=~
ro 0
Ial
o
o
o
"'
N
~
..
"
o
o
N.
~o
~ ~
o ro N
:5 co ?"-
m 0 :;::
r;,~
N
c> 0
M. U
C
~
5
u
u
o
o
o
o
D
o
o
D
~
~
-
M
o~
<0
'"
'"
cffi
o '" Ul
:; OJ 0
m - :'!:
r;,;;
~
'" 0
:ri- ~
M ~
3
u
u
o
o
o
o
o
o
o
o
~
~
o ~
tiS ""6
~ >-.
a; =86':
~ ~ 8
u C- ~
& 2 w
22 0 a.
E e ~
::J!Y 0:::
c
.
o
-0
~
. -0
. 0
W rJ
"'
C U
. 5
E 0.
Co '"
-s ;::
0- 0
w ::J
c
o
E'=
oS
u.
'; u
1:'6
o 0
. E
ro ro
Sa
-0 0
Q)~OJ
"2Q)'""":
>-oN
2c:..-
oo~
Ul><{f)
.-: Q)i.l..
~-g2
Q) ro "E
n . ro
-E iV ~
ro u .
Q) ~ ~
000
o
u
C
~
,
.
E
"
o
'E
ro
I
o
C
o
Z
"
o
o
0;
m
M
Ul
N
N
~
'"
M
Ul
N
N
~
.c:
;;
.
'"
...
"
o
-0
'0
U
"
~
~
,
;;
iii
oi
'<'"
,,0.
ill -.c :;::
E] --~ ~
2.g~>-
<IJ ~ ~g
g>g8~
w '- 0 5
~.E --' 0.
u VJ Ul VJ
c.c~2
::J ro.S?L.L.
ffi:2~~
~8.~~
u C ro
'0 a co,~
ffiQ)::l~
~~t~
:=~(l)M
"€!.~ e~
...1--0 UM
i5
n
ro
I
C
ro
-6
C
o Eo
W iF. ~ ~
f-- ro -o'E 0
~ g' fij ~ Ll"J
, C Q) ~;;
~&-E~O
..QOfll-'OJ
.... Ul ro fIl e
Q) - ~ .... '""":
0- iV en..Q 2;
O;::Q)--'.....
g ro - c:
. u ~ 6 15
g.l!! ro Ll III
'""":.c (l),~ :;l
V)f-- ~u-o
...
o
o
0;
'"
'"
N
"'
~
.
.
.Q
U
ro
.
o
o
o
D
o
o
N
w
~
i5
s
ro
iii ~
'"
'"
N
"'
~
~
.
.Q
"'
u
ro
.
o
o
o
D
o
o
N
~
~
i5
s
ro
iii ~
-0
o
.
ro
"'
u
';
0.
'"
E
.:J
~
:is
.
:0
c
.2
:2
15
0.
.1!
E
:0
~
.
.
ro
"'
u
';
C-
o
ro
'"
o
0,
'"
ro
o
o
o
D
o
o
.;
~
.
ro
'"
o
0,
'"
ro
o
o
o
o
o
o
..
~
0'
ro
,
.
~';
C ~tl
61V<:(
UC-o
.8~~
-g'8$
00'"
;:;:::r:;: (l)
'O.~ -E
-.-
';::"E 0
8...SL~
~ 5 ~
_ u E
~ -0 0
.Q ffi 'S
~~g
ro ~, ~
~~~
8~B
E
ro
0,
-g e
00.
I 0
_ u
ro 0
C ro
o ~
:;J ;:I
ro .
Z 0
o
o
o
N
~
-"
o
o
'"
~
...
Ul
~
-
.
"'.
ro
0.
'"
~
'"
"'
Ul
'; 0
0-
on
_ ro
ro:=
> ro
~.t
ro E
U ,
-ro .~
, K
- ro
.'/'"
~
Ul
N
M
M
Ul
o 0
0-
0"'
_ ro
m=
> ro
>
-ti'"
ro "
U S
-ro E
::J 'x
- rn
.'/'"
~
.
u
o
ro
~
.
E
"
o
o
I
-0
.
~
~
U
5
0.
'"
E
:0
001.{)
0.,...........
-,:;;,00
~LI)
Q)
JOJ
c.-c:tl
QJQ)Q..
_.0
-"
ro-
-02
Q.
QJQ)
OJ(/)
<
1: "
" u
E " >>
l: l'll ~ 0
~ :s '" 8
~ III E ci
~',., E E w
>>"
"':: en
E: ~ Ri
" ~ ~
o ~ "
uu"
~~~
(5)-
u'"
'0
"5 ~
o ~
OJ CIJ U
.~ tl ~
;:: 0 .
ro~~
.~.2..~
:E.~ ::>
~-g~
:5~~
.e ~ :g
" " c
g~ ~
~~:5
8 .Q 0
(/jm::
CIJ Qj c
~ g- ~
&::5 ~
1'i
.
0;
L
"""
"" >-
c 0
:J:J
'"
'"
...
.,;
N
M
~
~
'"
'"
~
o
.,;
~
'"
~
:;;
~
:J
.
0;
>-
o
c.
E
w
"
.g
..,
o
::;
o
o
o
ci
o
o.
;;;
o
o
o
ci
o
o
;;; '"
.
0;
>-
o
c.
E
w
i:i Cl i:i
l7i E l7i
~ ~ ~
~ ~ ~
"--= ~~~
Cl:C -
'E ~ fa E
::J UJ::i::J
-'"
'c
E
"
""
E
"
c
.2
1'i
z
o
o
o
ci
o
0_
;;;
'"
~
"!
~
M
N
'"
:i
'"
'"
~
o
.,;
~
i-
ro
o
. c
rs .Q
<lJrn
'" c
E ~
. E
~ 8
~ -~
" .
.~
.~ ~
0;""
o c
~<<:vi
If)-?E
.5 ~ ~
000
G Q.Q.
c
2
.
ro
W
.
c
~
o
~
.
.
CL
g>t5
~g
o c
~8
€:;
ro c
"- ro
"0 0
:E 5
...."-
'"
...
'"
..;
o
o
'"
o
'"
o
o
o
ci
o
o
..;
'"
..
o
o
o
~-
~
o
o
o
ci
o
o
..;
'"
..
'"
.E
;;
,
'5'
"
.
E
'.
U
c
2
.
ro
W
. .
c .. E
.c Cl ro
~~u
~ tll .
- >-"'
".0-
.e If) ~
..'"
Q).!::!&'l
.~ ~ UJ
..CL
."0 0
~ffi~
~ lU 1'Il
o 0'"
. ~ ~
c Qj ::l
o > ~
u 0
"" u .
c_~
ro 0 0
Q)c.o
"'.""
~ E CIJ
" . .
~ u c
Ji~.~
c
"
"" E
c .
~ '"
~ ~ I/l
~ ~ ~
:5.::.: .:;::
~~Jj
13
~
c
o
co
-"
C
~
o
~
o
"-
'"
o
o
ci
<P
o
o5'~ ~
o g ~
ro 0
Wo
""
E C
o .
o E
~ .~
> c
o ~
< ro
00 .
;e:s th
<P
o
. ...
-5 'i;i M~
o g ~
ro 0
Wo
""
~ <ii
o E
~ ,~
o~
< ro
00 .
~.5 fA-
""
.
.
.
.
o
o
a:
'0
o
~
:E.
"
"
CL
0"
u: C
IV .2
0>.
o .
~ .E
-5 E
~ B
"
'"
~
. >-
> :'=
0=
o.c ""
:=-.~ c
"5:;; 1'Il
:E-$ 3:
~E ~
E ~ B
~~~
(ti-gc
.!::!(31l
~.E ..c
-5.= m
"0 ro"O {/j
ffie';m
.- OJ 01
g~!:!g
~= ~ g;
::J.98~
c
o
~
~
"
o
ii5
c
-.Q
c-
o 0
~:2
~ .~
co
.;;;z
" .
o _
- 0
o_
J< 0
oJ<
00
00
-0
o _
"'-
"''''
'"
N
N
"'i
o
'"
<P
g~ >-
~.= "0
~~ (ti
~::J'E ...:~
og~mo
000(/)0
000_0
cioo.cci
~.ci~~~
~~;;tv>-!v>
N
<P
'"
gf 1l >-
ro:'="O
>~~ ro
-s::J'E "0
;;g~m6
g6g~g
Do a'::=-o
~o_ciBg
.00 ro _
~~;;tJ2:.J~fA-
"
.!!
~
o
.~
..
;S
.
g-6
~ &l
o ro
~e
- 0
,,"-
o .
13=
.= E
<::J
- .
. ~
'" -
EBo
~ ~e
>-Ec
"5i <'ll 8
~"C ""
0"" c
Q. ~ ~
~~E
"E'.2 ~
.- 01 U
>- c _
'6'g~
.813~
o~~
-.-
8, 5'!;,?:-
ro.- -'C
m~~E
> Q) u_
8 g-.iij ~
w
co
"
.
c
o
Z
'"
o
o
ci
<b
~
..
N
.
.
w
E
" .
0: m
o gg-
g o~
ci'::=-oro
0':::001
0.00:::
~ ii~~~ ~
<b
..
N
w
o
w
E
o w
ct m
o is g-
S o~
g~8 ~
0.001::
~~ Dl~ ffl
~ ~
:0 ~
o ~
:J :J
t: "-
o '"
e- E
<( ::J
~ 3:
::l::t:~
o 'C Q)
"'ow
ffi ~ ~
.~ ~ vi
0$::"*
" 0-
-c <'ll (I) 2
ro c.~ CJ)
a3 ~.~ ~
1!~TIE
::~~U:vi
:rl (; g gJ "*
e'; E.g]!
~Q>~~UJ
.E5.Eo~
~.~ ffi::: ~
t'~ ~ ~ J:
~ 0 a:; ~-c
uu-s ~~
.
'" ~
.~ c
~ ~
'" 0
ro ~
~,"O
L-:::!:: C
.2 Q):J
CL"'CL
o
c
o
Z
,;<
o
o
ci
o
o
o
.,;
N
o
1'i
'"
o
E g
:.J <(
o 0
o 0
o 0
6 ci
o 0
M
M M
'" ~
o
o
o
.,;
N
o
ro
rn
o
E g
:.J <i
o 0
00
00
60
o 0
M
M M
'" ~
c
.
E
.
"
.E
o
w
~ ~
ro w
.....Iiii~
'E c e
G.l.2 :J
~l::CL
E '5 -E~
o "
Uc.. ..:i
'"
~
c
o
~
'"
~
'"
"i
N
o
rn
ro
"-
~
M
<P
~
~-
~
'"
N
<P
~
.;
~
'"
~
'"
J!I
.
o
u
""
"
.
u:
"
(;
....