Ropnn g RopER, P.A.

ATTORNEYS AT LAV/
Celebrating 25 years
Est. 1996

Donovan A. Roper, Esquire 116 N. Park Avenue

Teresa S. Roper, Esquire Apopka, Florida 32703
George B. Belohlavek, Esquire*
Mark K. McCulloch, Esquire** Telephone: 407-884-9944
Facsimile: 407-884-4343
*Licensed in FL, AL and KS
**Licensed in FL, MA and PA
Email: [email protected]

Beth Lewis, Florida Registered Paralegal

Lindsey Blackburn, Paralegal Satellite office: Palatka, Florida
Rachel Pritchard, Legal Assistant

April 1,2021

Maggie D. Mooney, Esq.

Persson, Cohen & Mooney, P.A.
6853 Energy Court
Lakewood Ranch, FL 34240-8523

Member: Longboat Key, Town of # 007

Document No.: PRMOl9-006
Coverage Period: 1 0-0 I -20 1 9 - t0 -0 r -2020

Claim#lmatter: Pollution loss due to wastewater force main leak (No claim #
assigned)
Date of Incident 06-29-2020

Dear Ms. Mooney,

The undersigned attorney has the pleasure of representing Public Risk Management of
Florida ("PRM"), and PRM has requested that I respond on its behalf to your certified mail
and US mail correspondence of March ll, 2021 on behalf of the Town of Longboat Key
(hereinafter the "Town") to both PRM and World Risk Management, LLC (hereinafter
"\MRM") in the above referenced matter. Please this corresno ndence as PRM's
formal denial and/or declination of propertv insurance. or other. coverage bv PRM
to the Town in this matter, as well as PRM's formal reservation of rights to continue to
deny or decline coverage for any property loss (whether the asserted damages are allegedly
direct or indirect), for the following reasons listed below.
Maggie D. Mooney, Esq.
Persson, Cohen ôr Mooney, P.A.
April1,2021
Page2

As a preliminary matter, your March lI,202l coffespondence makes reference to the fact
that a claim was previously reported by Sandi Henley to PRM on or about July 1, 2020;
while Ms. Henley did make PRM aware of this pollution loss in early July, 2020 , Ms.
Henley did not formally submit either a claim, or a "report only" notice on behalf of the
Town, and instead inquired only into whether there was any coverage available to the Town
for this loss under the PRM Coverage Document or otherwise. She was advised at that time
by both PRM and by WRM representatives that there was no property insurance coverage
available to the Town under the PRM Coverage Document due to the location of the leak,
and further that the Town of Longboat Key had previously declined to purchase any
Environmental Pollution Liability policy (which would have provided coverage for this
loss) when offered that option by WRM prior to the l0lll20l9 insurance renewal.
Nevertheless, in light of your March I l, 2021 conespondence, PRM is now treating this
as a formal claim which, for the reasons stated below, is herein respectfully declined andlor
denied, due to the presence of several specific property insurance coverage exclusions.

The applicable PRM Coverage Document is PRM General Coverage Document # PRM
019 - 006, effective from October 1,2019 through October 1,2020, given that the reported
date of incident in this matter is June 29,2020. As you asserted in your March ll
correspondence to PRM and WRM, this pollution loss did not occur on Town property, but
instead on June 29, 2020, the Town and staff from the Manatee County Utilities
Department discovered that there was a leak in the force main caused by a breach in the
bottom ofthe force main at a location approximately 350-400 feet inland on the other side
of Sarasota Bay (i.e., on the land side of the bay) on real property owned by Long Bar
Pointe, LLP, which is located several miles away from (and across Sarasota Bay from) the
Town of Longboat Key. As such, it is important for coverage purposes to note that this
pollution loss did not occur on property or land owned by the Member, or on property of
the Member, but instead occurred several miles away on property owned by a private
company.

While the PRM Coverage Document does provide certain limited coverage for accidental
contamination in the amount of $250,000.00 in limits for pollution losses occurring on the
Town's property or within a certain distance from premises owned by the Town, it should
be noted that this coverage only extends to "Covered Property" of the Member as defined
in the Coverage Document - see p. 31, paragraph 21, and p. 14, paragraph 16, and p. 21,
paragraphN of Coverage Document. Since the terminology "Covered Property" is held to
include Land and Land values for the location of the loss in question, and because the loss
in this case occurred several miles away from the Town in an underground sewage
treatment pipe on the other side of Sarasota Bay, there is no property, or other, insurance
Maggie D. Mooney, Esq.
Persson, Cohen 6r Mooney, P.A.
April1,2021
Page 3

coverage available to the Town under the PRM Coverage Document for this loss. This
result is true regardless of whether the alleged damages are caused directly or indirectly as
a result of this pollution loss.

Under Section I ofthe PRM Coverage Document, relating to property insurance coverages,
while PRM does provide certain limited coverage for accidental contamination to Covered
Property owned by the Member, any underground pipes located more than 1,000 feet from
the premises of the Member are specifically excluded as "Property not covered" under the
PRM Coverage Document - see page 32 of Coverage Document, paragraph C titled
"Property not covered", paragraph 6, which states: "Except as for that which may be
provided as an extension of coverage, this Coverage Document does not cover: (6) power
transmission lines, feeder lines and undersround nines m than 1.000 feet from the
premises of the Member unless specificallv approved bv the Association". (Emphasis
added)

Moreover, under subsection IV of Section I of the PRM Coverage Document regarding

property coverages, the PRM Coverage Document also specifically excludes the perils of
loss or damage to personal property resulting from breakage of pipes or apparatus, as well
as loss, damage, costs or expenses in connection with any kind or description of seepage
andlor pollution andlor contamination, direct or indirect, arising from aîy cause
whatsoever. Specifically, the PRM Coverage Document states:

B. PERILS EXCLUDED

This Coverage Document does not insure against any of the following:

(2) physical loss or damage by normal settling, shrinkage or expansion in building or

foundation.
(7) loss or damage to personal property resulting from shrinkage, evaporation, loss of
weight, leakage, breakage of fragile articles, marring, scratching, exposure to light or
change in color, texture or flavor, unless some loss is caused directly by fire or the
combating (thereof), lightning, windstorm, hail, explosion, strike, riot or civil commotion,
airuaft, vehicles, breakage of pipes or apparatus, sprinkler leakage, vandalism and
malicious mischief, theft, attempted theft, flood or earthquake shock (earthquake shock,
and flood, in the states of Alaska, or California, shall only apply to locations that are
scheduled for earthquake shock and flood).
(15) loss. damase- costs or exDenses in connection with anv kind or descrintion of
seeDase and/or and/or contamination. direct or indi ct. arisins from anv
cause wh atsoever. (See 41 ,42 and 45 of PRM Coverage Document). (Emphasis added)
Maggie D. Mooney, Esq.
Petsson, Cohen & Mooney, P.A.
April1,2021
Page 4

Moreover, there are additional applicable coverage exclusions contained elsewhere in the
PRM Coverage Document, and specifically in the General Coverage Document exclusions
section. Specifically, those provisions state:

GENERAL COVERAGE DOCUMENT EXCLUSIONS

THIS COVERAGE DOCUMENT DOES NOT INSURE AGAINST

(a) Any liability arising out of the operation of the principles of eminent
domain, condemnation proceedings, or inverse condemnation
proceedings by whatever name called whether such liability accrues
directly against the MEMBER or by virtue of any agreement entered
into by or on behalf of the MEMBER. This exclusion does not apply to
claims brought under Florida Statute 70.001, the "Bert J. Harris, Jr.,
Private Property Rights Protection Act".

(b) BODILY INJURY, PERSONAL INJURY, PROPERTY DAMAGE or loss or

damage to the PROPERTY OF THE MEMBER due to war, either directly or
indirectly occasioned by, happening through, or in consequence of war, invasion,
acts of foreign enemies, any weapon of war employing atomic fission or
radioactive force whether in time of peace or war, hostilities (whether war be
declared or not), civil war, rebellion, revolution, insurrection, military usurped
power, confiscation or nationalization or requisition or destruction of or damage to
property by or under the order of any government or public or local authority.

(c) The investigation, defense, loss or damage, including loss of use,

caused bv the release. discha or disnersal of POLLUTANTS
anvwhere. anvtime. in anv rüav. whether accidental or intentional.
sudden or interm t or continuous
(l)
(a) At or from any premises, site or location which is or was
at any time ownedor occupied by, rented or loaned to, any
MEMBER

(b) At or from anv premises. site or location which is or was at

anv time used hv or for nv NAMED MEMBER or others
for the handlins. storase.^ osal. Drocessing or treatment
Maggie D. Mooney, Esq.
Persson, Cohen & Mooney, P.A.
April1,2021
Page 5

of waste:

(c) Which
^
or were at anv time transnorted- handled.
stored. trea disoosed of. or nrocessed as waste bv or for
anv MEMBER or anv person or organization forwhom anv
MEMB mav be lesallv re ble: or

(d) r from site or which an

MEMBE or anv contracto rorsu workins
directlv or on anv MEMRE 'S behalf are
performing operations :

(i) If the POLLUTANTS are brought on or to the premises, site

or location in connection with such operations by such
MEMBER, contractor orsubcontractor; or

(ü) If the operations are to test for, monitor, clean up, remove,
contain, treat, detoxifr or neutralize, ot in any way respond
to, or assess the effects ofPOLLUTANTS.

a) For anv lo cost or exnense out ofanv:

(a) Request, demand or other order that any MEMBER or

others test for . monitor. clean uD. remove. contain. treat.
detoxifv or neutralize. or in nv wav resnond or assess
the of PO LLUTANTS; oT

(b) CLAIM S or SUITS trv or behalf of a mental

authoritv fordamages because neutralizing. or in anv
wav to. or assessins effects of
POLLUTANTS;

EXCEPT this exclusion does not apply:

(i) As provided in SECTION III COMPREHENSIVE

GENERAL LIABILITY for Subparagraph (l) (a)
only of this exclusion, for BODILY INJURy or
PROPERTY DAMAGE arising out ofheat, smoke or
fumes from a HOSTILE FIRE as defined in
SECTION II;
Maggie D. Mooney, Esq.
Persson, Cohen ôr Mooney, P.A.
Aprtl1,202I
Page 6

(i) As provided in SECTION MUTOMOBILE LIABILITY.

(üi) As provided in SECTION III

COMPREHENSIVE GENERAL
LIABILITY.

(3) This exclusion does not apply to herbicide or pesticide spraying, if the
operations meet all standards of and comply with any statute,
ordinance, regulations or license requirement of any federal, state or
local government.

(a) This exclusion does not apply to the reverse flow of sewage into any
building from a sewage facility, fixed conduit or sanitary sewer that
you own, operate ormaintain. (Emphasis added).

As a result of the above, PRM respectfully declines coverage to the Town of Longboat Key
in this claim.

Finally, we have attached a copy of the Town renewal proposal for property and casualty
insurance for the October 1,2019 renewal, in which the Town was offered the option of
purchasing an ancillary, and optional coverage for pollution and remediation liability
coverage in the amount of $1 million in limits for each pollution condition but that, as the
Town had historically done for several years beforehand, the Town of Longboat Key
declined on p.16 to purchase that coverage through Indian Harbor Insurance Company.
This is not a standard PRM property coverage, and not all PRM Members elect to purchase
this optional coverage; in fact, only approximately 20 to 25 PRM Members historically
elect to purchase this optional pollution liability coverage (even though it is made available
to all Members), and again the Town was specifically offered this coverage by WRM prior
to the l0llll9 insurance renewal (as it had been in prior years), but the Town declined to
purchase that option. This is exactly the type of policy which would have provided
coverage to the Town of Longboat Key in this case, if such a policy had indeed been
purchased.

Should you have any questions, requests, concerns or need to speak with me, please do not
hesitate to contact the undersigned at your convenience. PRM continues to reserve any and
all rights which it has to continue to controvert, deny or decline coverage in this matter in
the future.
Maggie D. Mooney, Esq.
Persson, Cohen & Mooney, P.A.
April1,2021
Page 7

Thank you for your attention and consideration.

I remain,

DONOVAN RO
Enclosure

Cc: Sandi Henley, Town of Longboat Key

Thomas Harmer, Town Manager
Michael Quigley, PRM
Josh Hallon, WRM
 TOWN OF
LONGBOAT KTy

Renewal Proposal For

Property & Casualty lnsurance Coverage

Effective: 101112019
Expiration: 10/1 12020

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THts DocUMENT tN trs ENTIRETY ls coruno¡¡llnL &

PRIVILEGED IN NATURE - NOT FOR PUBLIC RECORD
 TneLE or CoNTENTS
SUBJECT PAGE NUMBER

Named lnsured L

Executive Summary 2

Property & Crime Proposal 3

General Liability Proposal 8

Auto Liability Proposal 9

Public Officials / Employment Practices Liability 10

Workers' Compensation 77

Cyber Liability 13

Ancillary - Boiler & Machinery Proposal 1,4

Ancillary - Excess Liability 15

Optional - Pollution & Remediation Legal Liability 16

Optional - Airport Owners & Operators Liability 17

Exposure Change L8

Proposal Pricing & Binding Authority 19

 TowN oF LoNGBoAT KEY
2OL9-2O2O RËNEwAr PRoPosAr
PRoprnrv & Casunlry lNsuRANcE
PRESENTED: Aucusr 27" 2Ot9
Nnrvl¡o lrusuReo

Nev¡eo Irusunro AND MAILING ADDRESS

TOwru oF LoNGBoAT Kry

501 Bnv lsles Rono
LoNeeoAr KEY, tL 34228-3 196

This proposol contoins most terms,

conditions, limits ond deductibles provided under the program. However, refer
to the PRM Coveroge Document for specific and complete terms and cond¡tions.

Pn¡pRneo Bv

\AfoRLn
Risk Management
A BALLATOR COMPANY

20 Nonrn OnRruer, Surre 500

OnrRruoo, FL 32801
Pxorur: (4071445-2414
Fnx: (407) 445-2868
To¡.r Fn¡e: (888) 501-0014

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Risk Management
,T 8,\ LÀIOK (I]MPlrNY
 TowN oF LoNGBoAT KEY
2Ot9-2O20 RsH ¡wnl PRoPoSAL
PRoPERTY & Crsunlrv lNsuRANcE
PRESENTED: AuGUsr 27" 20L9
Ex¡curve Suvrn¡nny

WHOWE ARE

The WRM management team brings over 100 combined years of insurance industry intellectual capital to our
clients dedicated to Public Entity Risk Management and insurance solutions.

Knowing that broad insurance resources and strong market relationships are essential, along with industry
expertise and experience, WRM tactically sought out well-respected industry talent, with solid reputations and
stellar track records to join our leadership ranks.

WRM is a member of Ballator lnsurance Group, formerly Accretive lnsurance Services. Ballator provides insurance
program development, pool creation and underwriting, pool administration services and insurance placement to
both the Public Entity and Non-Prof¡t sectors.

WRM employs a highly professional staff that has a proven record of identifying and satisfying client's needs.
WRM's team commitment is reflected in a combined risk management knowledge and experience.

WHATWE Do

We bring fresh and innovative ideas into the insurance industry. WRM uses our ability of being a "Boutique
Broker" to take advantage of the ever-changing insurance market opportunities. WRM has the expertise that most
small private agents and brokers do not have, and the large publicly traded brokers cannot take advantage of due
to their size and corporate structure.

WRM offers clients a thorough and meticulous insurance need analysis, plus delivers competitive cutting-edge
products and services from nationally recognized insurance carriers based on realistic and reasonable fee and/or
commissions. WRM's dedicated Management/Service Team is recognized throughout the industry for their
commitment to providing clients with prompt responses and solutions.

Oun Repurenou

WRM's management team has an industry wide reputation for professionalism, quality service, knowledge, and
client involvement on a daily basis at all levels, plus a genuine commitment to protect and shield employees and
property of public entity groups and other businesses. WRM believes in its ability to lead in the field of risk
management and loss management and provide innovative solutions.

Oun ConponerE PARTNERS

World Risk Management along with its partner companies' mission is to maintain success through commitment,
honest and timely communication, vision innovation and customer satisfaction.

BALLATaR I NsU RANcE G RoU P

WoRro RrsK MANAGEMENT, LLC

Frnsr FroRror lNsuRANcE Bnor¡Rs
NoN-PRoFtr lNsuRANcE S¡nvrc¡s
LTBERTATE lrusunaruce, LLC

Wom"n 2
Fisk Management
8^:tÀÌOR (-arilP4NY
^
 ToWN oF LoNGEoAT KEY
20L9 -2020 RE NEwAr PRoPosAr
PRoprRry & C¡sualrv lNsuRANcE
PRESENTED: Aucusr 2711 2OL9

PRopeRw & Cmvrs PRoposrr-

PRoPERTY

EXPIRING CoVERAGE RENEWAL

L0lo7l18ro ßlaLlLs t0/o1119 ro to/oL/2o
Connpe¡¡v PUBLIC RISK MANAGEMENT oT FLoRIoI PUBLIC RISK MANAGEMENT oT FIoRIon
ïornl l¡¡sunED VALUES s32,892,O37 532,848,253
DtoucrrsLes
. AIr oTHER PERILS, ExcepÎ: s1,ooo
. ALL oTHER FLooD _ PER UNIT Sr,ooo
. Flooo - Zorurs A&V EXcEss oF NFIP
. NAMED WINDSTORM PER UNIT VALUES SHALL APPLY 3o/o

VALUATIoN
Auro PHYSTcAL DAMAGE ACTUAL CASH VALUE
BUSINESs INcoME AcruAL Loss Susrnlru¡o
Cor¡¡sunnrucr NoNE
lruL¡ruo MnRr¡lr REPLACEMENT CoST
PRop¡RrY R¡prnc¡vrrur Cosr
Assoq¡r¡o¡¡ LrMrrs
ALL PERtLs, CoVERAGE's aruo lrusuRro's/MEMse ns
coMBTNED - PER OccuRRENcE, suBJEcr ro rHE Ssoo,ooo,ooo
FOTTOWING SUB-LIMITS:

FLooD - PEn OccuRne ruc¡ Ar,¡rrrunr Ae e Rre nrs Sso,ooo,ooo

FLOOD SUBLIMIT - ANNUAL AGGREGATE

- Co¡¡rRncroRsEeutpMENT
- Frr,¡¡ Anrs s5,ooo,ooo
- Lrcrrus¡o VEHICLES
- UNLtcENS¡o V¡ntcLrs
FLooo SusLlM¡r
- PER OccuRRr¡lcr Slo,ooo,ooo
- MtscELLANEous UNNAMED LocATtoNS

EnRrHeunre SHocr Lrvrr

- PER OccuRR:ruce & l¡r ru¡ ANNUAL Sso,ooo,ooo
AGGREGATE

Wrruo/Hntt. LrMrr pER occuRRENcE Nnvle o

WtNDSToRM
Sloo,ooo,ooo

r' Per Expir¡ng

lmprovemenl to Expiring

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PRESENTED: Aucusr 27" 2OLg
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PROPERTY

EXPIRING CoVERAGE RENEWAL

70/0t/ts ro Lo/0tlL9 10/01/L9ro L0/0L120
Assoctnrto¡r SuBuMrrs INor All lNcr-usrve ...]
AcctDENTAL Corurnvrrunroru s2s0,000/ss00,000
Accou¡¡r Rrc¡¡vnsLrs INcLUDED
ANIMALS lrucluo¡o
- UNSCHEDULED ANIMALS Sso,oooo/S2,soo,ooo
AsBEsTos CLEAN-up & REvlovnr lREsurr¡rur) lrucLuo¡o
AuroMATIc AceursrTlox Lrwrrr S25,ooo,ooo
AuroMATlc AceutsffloN Llvilt ¡on
- V¡H rcr-¡s s10,000,000
- Specrnr FLooD HAZARD AREAS S10,000,000 ANNUAL AGGREGATE

BUTLDTNG ORDtNANcE
INcLUDED
UNDAMAGED PoRTtoN oF BUtLDtNG

BUSINESS INTERRUPTIoN s100,000,000

CtvrL AurHoRtrY
30 onys
wtrHtN L0 MTLES oF INSURËD pREMtsE
Crnrv pRrpennroN EXPENSE s1,000,000
CoNTTNGENT BUsrNEss TNTERRUpIoN s5,ooo,ooo
CouRsE oF coNSTRUcrorrr & Aoorrorus Sso,ooo,ooo
DEBRIS REMoVAL INcLUDED

DEMoLtloN INcLUDED
EARTH MoVEMENT FxcFPT S5O,OOO,OOO ANNUAL AGGREGATE
- VEHrcLes,coNTRAcroRSEeutpMENT, S5,000,000 coMBtNED AGGREGATE
FtNE ARTs Corr¡srr\Eo

ELEcrRoNrc Dnrt Pnocesslwc (EDP) INcLUDED

ERRoRS & Ovrssror',rs s2s,000,000
Exp¡orrrrue ExpENsE S5o,ooo,ooo
EXTENDED Prnloo or lruo¡vrlrllry 180 DAYS

EXTRA EXPENSE ss0,000,000

FINE ARTS lrucr-uoEo
UruscHEourro FrNE ARrs S2,5oo,ooo
FrRE FTGHTTNG ExPENSE Irr¡cLuoEo
FLooD ExcEPT Sso,ooo,ooo
- Spe0nl FLooo HnznRo AR¡ns I NcLUDED
- VEHtcLES,coNTRAcroRSEeulevrerut, $5,000,000 coMBt NED AGGREGATE
F¡N¡ ARrs CoMBTNED
IMPRovEMENT & BetrrRv¡rur I NcLUDED

INCREASED Cosr or CoNSTRUcIoN $25,ooo,ooo

r' Per Expiring

lmprovement to Expiring

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ExPtRtNG CovERAGE RENEWAT

Lo/oLlLB ro L0loLlLg LA/OLlt9ro tOlOLl2O
Assocl¡no¡.r Su sll M ¡rs I Nor ALL I r.rcr_usrve... ]
INGRESS & EcRrss
30 onvs
W¡rHrru l-0 MrLES oF TNSURED PREMtsE

JÊWÊLRY, Funs, & PRÊCIOUS METALS -

SepnRnrelv Ssoo,ooo
LANDscAprNG, TEes, Snruo TRAps, GREENs, Ss,ooo,ooo
ATHLETIc GRttrus rxcrp¡
- UNSCHEDULED LANDscAPING, TEES, SL,ooo,ooo
SAND TRAPs, GnEerus, ATHLETIC GREENS

LEASÊHoLD I ¡¡ren¡sl IrrlcLuoe o

MtscELLANEous UNNAMED LocATt0NS s2s,000,000
EXCEPT
SPECTAL Frooo HazaRo Anrns S10,000,000 ANNUAL AGGREGATE

Mot-o (Rrsulrnrur) $35,ooo Aecnrear¡

MoNEY AND SEcuRrïES $2,5oo,ooo
Orr Pnevrsrs SERVtcE INTERRUpTloN
TNCLUDING ExrRa Exp¡lvs¡
s25,000,000

PERSoNAL E¡rrcrs l¡¡cruo¡o

PERSoNAL PRopeRrv oç OTHERs I rucruo¡o
PËRsoNAL PRoPERTy ourstDE THE USA Sl,ooo,ooo
PRorEcloN AND PRESËRVAT|oN oF
lrucLuoEo
PRoPERTY

PRoPERTY Or¡ Pn¡vrse s IwcLuoeo

Sre rus INcLUDED

TRANSIT s2s,000,000
TUNNEIS, Bnrocrs, DAMS, CATWALKS-
U ruscH rourro s500,000
Vnlunsre Paprns nno Reconos INcLUDED
Wnr¡RcRnrr
- UP ro 27 FEET, UrilscHe ouLro S2,soo,ooo
- OvER 27 rel.r, Scurpuleo ItrtcLuo¡o

Exclusrolr¡s Ilrrrcr-uorrue BUT Nor unntrro ro]

Rusr, Wrr/Dnv Ror, Ln¡lo & Lnruo Vnlu¡s Exclu oro
r' Per Expiring
lmprovemenl to Expir¡ng

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Rnrrrue ExposuRes

PRop¡RtY lruroRvrnrroru

Toral | rusuRnrr¡ce Vnlugs 2018-2019 2019-2020

TorAL BUtLDTNG VALUES 5r9,499,s29 Si.8,656,519

Tor¡L CorureNT VALUES S1,446,903 Si.,s14,802

Decmne o/PnoP lN OPEN 5s,673,796 s5,906,422

EDP EeurPMErur (Hnnowenr) 5377,470 S39s,2i.i.

BustNEss I NTERRUpIoN/Exrnt ExpENSE Sl,ooo,ooo SL,ooo,ooo

EQUIPMENT VALUES 5r,024,699 $2,Bso,zLs

AUToMoBILE VALUES - AcTu¡T CASH VALUE 53,869,741 S2,485,083

AuroMosrLr VALUES - Rrp¡-ecrvrxr Cosr 5o So

RENTAL VALUES $o So

MIScELLANEouS PnoprnrY So 5o

Tornl lNsunneLr Vnlu¡s 532,892,o37 532,848,252

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CRrue

ExPTRTNG Covrnece RENEWAL

l0loLlLsto Lolltl79 10/01ltsrc L0lot/20
CoMPANY PUBLIc RISK MarunGrv¡ruT oF FLoRIDA PUBLIC RISK MANAGEMENT oF FLoRIDA

DEDUcTIBLE S 1,ooo

LIMITS

EMPLOYEE TH¡TI-PTR LosS COVERAGE Ssoo,ooo

EMpLoyEE TH¡rr-P¡R EMpLoyEÊ CovEnnce NoT CoVERED

. FoRGenv oR ALTERATToN s500,000

lNsrDE PREMTSES-ïHrrr or Morury &
SecuRlres Ssoo,ooo
lNstDE PREMtSES-RoBBERy, Snr¡ BuRe uny-
OTHER PRoP
s500,000

Oursrot rHE PREMTsEs s500,000

CoMPUTER FRAUD Ssoo,ooo
Futtos TnnruspER FRAUD ss00,000
MoNEy Onoe ns ¡ru0 Courur¡R¡Err PApER
CURRENcY
Ssoo,ooo

CoNDtnoNs INor nll rtrclusrve]

FnrrHruL PrR¡oRunmc¡ or Dury lrucluo¡o I NcLU DED

45 DAy Norcr oF cnruceuarroru/lO onys

I NcLU DED
NON-PAYMENT

60 DAY LoSS REPoRT REQUIREMENT I NcLUDED

No Mr,r¡vrult Eanrue o PREMTUM I NcLU DED

/ Per Expiring
lmprovement to Expiring

Wonrn 7
Risk Management
Íil\ll¡i OR CailPèNY
^
 ToWN oF LoNGEoAT KEY
zOLg -2020 REN EwAr PRoPosAr
PRoprRrY & CASUALTY lNsuRANcE
PRESENTED: AuGUsr 27" zotg
Ge¡¡gRm Llns¡uw PRoposal

G¡reRel Lngrtny
EXPIRING CoveRnG¡ RENEWAL
LalMlL8ro Io/0L/Ls LalÙLlt9 ro 10l0tl20
CoMPANY PUBLIc RIsK MANAGEMENT oF FLoRIDA PuBLrc RtsK MANAGEMENT oF FLoRtDA

Cov¡Rnee roRnn OccURRENcE Occunneruc¡

DEDUcTIBLE NIL NIL

LIMITS

L¡vrr or LrABtLtrY S2,ooo,ooo

Cov¡R¡cr Ilrucluorrrrc BUr Nor LrMrrED ro]

Evploy¡r B¡ru¡rrr Llag¡Llrv I ruclu oro

LAW ENFoRcEMENT LIABILITY I NcLU DED

M tscEILANEous PRor¡ssrorrrnr I rctu o¡o

TERMS IlruClUorr,rC BUr NOT LtM|TED TO]

. ASSAULT & BA.|-TERY I NcLUDED

BLANKET Corurnncrunr-HoLD HARMLESS l¡lcl-uo¡o

Boorr-v lrurunv/PRoprnry DAMAGE I rucruo¡o

EMT/Pnnnu rorcnl CovrRro I NcLUDED

Fn¡-sr Ann¡sr/l M PRTsoNMENT l¡rcr-u o¡o

Hosr & LreuoR LrABrurY l¡rcr-u o¡o

a INVASIoN oF RIGHT oF PRIVACY I NcLU DED

Mnucrous PRosEculoN I NcLU DED

Mrrurnr A¡¡e urstr INcLUDED

MENTAL INJURY I NcLU DED

PROPERTY IN THE CARE, CUSToDY & CoruTnoI I NcLU DED

ExcLUsroNs Ilrrrcr-uortrrc BUT Nor uMtrED To]

ATRCRAFT LrABtLtrY EXCLU DED

MEDTAL PAvMENTS {Nor Lrenl Lrnntrrv) EXCLU DED

PRoDUcT REcALL, TAMPERING oR

EXcLU DED
GUARANTEE

WAR, NucLenn HAzARDS EXcLU DED

r' Per Expiring

lmprovement to Expiring

Woru,n 8
Risk Management
3?\iU\ÌOR CtlüPÁNY
^
 Towru or LoNGBoAT KEY
2OT9.2O2O REN EWAL PRoPoSAL
PRopeRrv & Cnsualrv lNsuRANcE
PRESENTED: Aucusr 27'" 2ALg
Auro L¡nerLrrY PRoPoSAL

Auro LrnsrLlrv
EXPIRING CoVERAGE RENEWAL
tolotltsro loloL/te t0lotlt9 to 70l0L/20
CoMPANY PUBLIc RISK MANAGEMENT oT FLoRIon PuBLrc RtsK MANAGEMENT oF FLoRTDA

Covenner roRu OccURRENcE Occu RRrrucr

DEDUcTIBLE NIL NrL

LIMITS

LrABrLrrY coMBtNED StNGLE LtMtT Sz,ooo,ooo

CovERAGE Ilr,rcluotrue BUT Nor LtMtrcD To]

PERSoNAL I NJ URY PRoTECTtoN SrnruroRv
PHYSTcAL DAMAGE
- CoLt-tslotrt Excluo¡o - CovEn¡o UNDER PRopERTy
, CoH¡pRgH¡lrtslvr ExcLUDED - CovrR¡o UNDER PRoPERTY

Hrnro/BonnowEo LlnalLlry 52,ooo,ooo

H¡Re o/BonnowED PHystcAL DAMAGE I NCLU DE D

NoN-OwNED LrnsrLrrv S2,ooo,ooo

NON.OWNËD PHYSICAL DAMAGE I NcLU DE D

ExcLUsroNs Ilncluotrue BUT Nor uMrrED To]

Auro PHvs¡cal DAMAGE EXCLUDED - CoVERED UNDER PRoPERTY

MEDICAL PAYMENTS Exclu oeo

Ur'rrrusunro/U wDERTNSURED MoroRrsr EXcLU DED

r' Per Exp¡ring

lmprovement to Expiring

Wonrn 9
Risk Management
,! .¡\ i : ìi 1 . t., ii itr'
 TowN oF [oNGBoAT KEY
2OL9 -2020RE N EwAr Pnoposnl

PnopsRrv & Cesunrrv lNsuRANcE

PRESENTED: AuGUsr 271H 2OLg
PugLrc Ornclns / Eruelovlrtur PRncrrc¡s LrnslLtty PRoposnl

Pusllc Ornclns / Eruelovmrrur PRncrrcrs hag¡Ltrv

ExPTRTNG CovERAGE Re ¡¡rw¡l
l0loLl78to tol01-lL9 t0lotlts to LoloLl2o
CoMPANY PuBLrc RrsK MANAGEMENT oF FL0RTDA PuBLtc RrsK Mnnne rvr¡rur oF FLoRTDA

Covenner ¡oRn¡ CLAIMS MADE CLAIMS MADE

RETRoAcTIVE DATE 1.0/Ot/1987 ß/01/1.s87
De oucttgte NIL Nrr

PuaLrc Oprrcral-s LrABtury

LtMtr oF LrABrLtrY 52,000,000
ANNUAL Acen¡enr¡ S6,ooo,ooo

EMPLoYMENT PRAclcEs LrABrLrry

Lrvrr or LIABtLtry s2,000,000
ANNUAL AGGREGATE So,ooo,ooo

Suallnnrrs [ltrrcr-uorruc BUT Nor uMtrED To]

BERT HARRIS s300,000
I ruv¡nsE Corvoevlrunrroru S loo,ooo/S loo, ooo
NoN-MoNETARY DAMAGES S r"oo,ooo/S1oo,ooo

CovERAGE Ilrucluorruc BUT Nor lrrurreo ro]

ELECTED oFFrctALs, AppotNTED OFFtcERS I NcLUDE D

ERRoRS AND OMrsstoNS I rucluo¡ o

MlsFËAsANcE, MALFEASANcE & Notr¡e¡snruce I NcLUDED

N EGLIGENcE Ir'¡cr-uo¡ o

SEXUAL HARASSMENT I NcLU DE D

SEXUAL MrscoNDUcr Rrrno DarE

I rucruoE o
03
WRorue ruL Acls or PuBLrc OFFTCTALS I NcLUDED

DIScLAIMER

Both Public Officials Liability and Employment Practices Liability is subject to a per member combined aggregate of 96,000,000

r' Per Expiring

¡mprovemenl to Expiring

\vVonlo 10
Risk Management
, rr,,\ \ .- ,l I ..rli :tY
 TowN oF LoNGBoAT KEY
2OL9-2O2O RENEWAT PRoposAr
PnopeRry & Cmualrv lNsuRANcE
Pnrserurro: AuGUsr 27" 2Ot9
WoRxERs' Coruprn¡snnoru PRoposnl

WoRxgns' Coupers¡non
ExPTRTNG CovERAGE RENEwAL
L0/otlLSto 1O/07/19 L0/0L/Ls to 7o/0U20
CoMPANY PusUc RIsT MANAGEMENT oF FLoRIDA PuBLtc RtsK Mnrune ¡ru¡rur oF FLoRTDA
DEDUcTIBTE NIL NIL

LIMITS
WoRrrns'CoMPENsATtoN
- MEDICAL
Srnruronv
- DrsngtLlrv
- DcnrH
EMPLoYens'L¡nslLlry
. EACH ACCIDENT *s3,ooo,ooo *s2,000,000
- EACH EMPtoYÊE FoR DISEASE *s3,000,000 *s 00 000

TERMs & Coruorlorus INor nll rwclusrvr]

BRoAD FoRM ALL STATES I NcLUDED

MARtIME CovËRAGE EruoonsrvlrNr lrucr-uo¡o

Volu lrr¡nv Con¡p¡lr¡snÏoru EN DoRSEM ENT I NcLuoeo

SUBJEcT Io
ANNUAL Poltcy Auolr - PLEASE NorE THE
1,0/01"/1,9 to LO/A1./2O WC CovERAGE
P¡Rroo wlLL BE AUDTTED AT A RATE oF
I rucruoro
.0256347 pER DoLLAR oF pAyRoLL oN rHE
TOTAL WC PREMIUM, BEFoRE ANY
PARTICIPATION CREDITS

r' Per Expiring

lmprovement to Expiring

*201.8 2019
- LIMIT WAS INSERTED INcoRREcTLY

Wonro LL
Risk Management
8^ili\iOR CCMP^NY
^
 Tow¡,¡ op LoNGBoAT KEy
20tg -2O2O REN EwAr PRoposAr
PRoPERTY & Cnsualry l¡¡suRnrucr
PRESENTED: Aucusr 271H 2OLg
WoRxrRs' Con¡psrrlsanon PRoposnl

20L8-20L9 20L9-2020
CtAss
CoDE
DEScRIPTIoN Estt vlnr¡o Esrrrvln¡ro
PAYRoLL PAYRoLL

5509 Srnrrt on RoAD PAVTNG

6836 Manrru¡ & Dnrve ns

7370 AtvlsuLn¡¡c¡ SeRv¡c¡ CoMpANv - OTHER THnru GnRne p

7380 DRrvERs, CHnurrruns, MESSENGERS, AND THËtR HELpERS NOC - Covlvl

7382 Bus Co - ALL OTHER Err¡ploy¡¡s & Dnrv¡Rs
7403 Av¡nlorr¡ - ALL orHER EMpLoyEES & Dnlv¡Rs
742t Avrnloru - Tnnuspo oF PERSoNNEL lru Coruoucr oF EEs - FLytNG CREW
7520 W¡lsnwoRrs OpERATtoN & Dnlv¡Rs s384,194 S430,681
7539 ELEcrRrc LrGHr oR PowER Co. NOC - ALL Evlpr_oy¡¡s & DRlvrns
7580 SEwAGE DrsposAl PLANT OpERAloru & DRlvrns
7590 Gnnere E WoRKs
7704 FtRe¡rcHrrRs & DRrvens 52,s6r,793 52,549,866
7705 AMauLa^¡cr SERVICE CoMPANIES nruo EMS PRoVIDERS & Dnlv¡ns
7720 Pouc¡ O¡¡rcrRs & Dn¡vrns S1,309,207 S1,380,866
8292 SroRncr WAREHOUSE NOC

8380 Auloluoelre SrnvrcE oR REpAtR CENTER & Dnlvrns

838s Bus Co - GnRnee EMPLoYEES
8392 AuroMoBtLE Slonne¡ GARAGE, PARKTNG Lor, Valrr S¡Rvlcr
8601 Ancxttect oR ENGTNEER - CoNSULTTNG
4720 lrusp¡clo¡¡ Or Rrsr FoR INSURANcT On VnrualoN PuRposEs
8742 SAIESpERSoNS, CoLLrctons oR MEssENGERS - OurstDE
8810 CLERTcAL Orrrc¡ Evrpr-ovrrs S2,386,166 52,466,476
8820 ATToRNEy - ALL EMployE¡s & Clrnlcnr, MEssENGERS, DRIVERS

8831 HosPrrAL - VETERTNARy & Dn¡v¡Rs

8868 Scuoor-/CoLlrGE - PRoFrsstor¡nl En¡pLovr¡s & Cle Rrcnl
9015 Bu[ollrlcs OpERATtoNS By OwNER - ALL orHER EMpLoyEES
9016 Avtussr¡¡nl PARK oR ExHtBtloN OpERATIoNS & Dnrve ns
9060 CLUa - CouNrnY, GoLF, FISHING oR YACHT & CI¡nIcnI s85,826 sL69,779
9101 ScHoor-/CoLle GE - ALL OTHER EMpLoyEEs
9102 Pnnr NOC - ALL Evrpr_ov¡rs & Dnlve Rs s513,738 s499,320
9220 Crmrr¡nv OPERAIoNS & DRrveRs

9402 SrRerr Clgnu¡re & Dnrvrns 597,Lo7 590,792

9403 GARBAGE AsHEs oR REFUSE CoLLEcloru & DRlvrns
94L0 MururcrrAL, Towrusnrr, CouNTy oR SrATE Evploy¡¡ NOC $329,507 s381,396
TorRl PnvRo¡.r. 57,669,5?7 $7,969,116

Wonrp 'J.2

Risk Manaqement
[JÀ.i.(i()R (,1]¡¡PrlflY
^
 Town op LoNGEoAT KEY
2Ot9-202O REN EwAr PRoPosAr
PRopERrv & Ctsunlrv lNsuRANcE
PRESENTED: Aucusr 2l1e 20Lg
Cvaen LrnelLrw PRoposnl

CvsrR Lr¡srrffv
ExPtRtNG Cov¡RnG¡ RENEWAL
t0loLlt81o tolÙLl19 1,0/OLl19 ro L0/OLl20
CARRIER Gn¡nr Av¡RrcAN I NSURANcE GRear Avr¡nrcAN INSURANCE

NAMED IrusuReo PuBLtc RtsK MANAGEMENT oF FLoRTDA PuBLrc RrsK MANAGEMENT or Flonlon
CovrRnG¡ Fonrur Curws Mnor Clnrvs Mno¡
Rrtnoncnvs Dnte 70/0u2016 t0l0t/2016
DEDUcTIBLE Slo,ooo Slo,ooo
LIMITS

LrMrr oF LrABtLtrY s1,000,000

Awt'¡ual AGGREGATE S5,000,000 PooL AGcREGATE

CovERAGE (lrvcluorr,rc BUT Nor lrnnrreo ro]

BusrNEss lrucovle/Exrnn ExpENsE INcLUDED

CysER ExronrIoN THRÊATS INcLUDED

MEDIA LIABILITY Ir,rcLuo¡o

Puauc RrLaÏoNS ExPENsE INcLUDED

RrRlnceu rrur/R ESToRATIoN or E l¡ctRolrlc

I NcLUDED
DATA

SecuRrrv BREAcH Exp¡¡ls¡ Ir,lct-uo¡o

S¡cuRlry BneacH LtABtLtry Ilrucruors

I ruclu o¡o
REGULAToRy rtrues/pr¡,ialrlrs nruo PCI rtrugsl

r' Per Expi¡'ing

lmprovement to Expiring

Wonrn 13
Risk Management
¡ ß^ilr\lOR (,{jMP4l.lY
 ToWN oF LoNGBoAT KEY
20tg -2020 REN EWAL PRoposar
PRopsnrv & CAsuALry lNsuRANcE
PRESENTED: AUGUST 27'H 2OT9
ArucrruRy- Bot¡n & MncH¡rueny PRoposnr

Borun & Macxrruenv

EXPIRING CoVERAGE RENEWAT
LO/0L/L8to 1-Ol}Llt9 L0/0Ilts ¡o Lo/oL/20
CnnRrrR TRnv¡I¡ns ENERGYMAX 21 TRAVELERS ErurncvMnx2L
NAMED l¡r,rsuR¡o PuBLtc RtsK MANAGEMENT op FroRlot PuBLrc RtsK MANAGEMENT or FLoRlon
DgoucnsLes
. At-t- oBJEcrs $1,ooo
. TRnrusronvens 10 KVA s10,000
V¡Lunnoru
ALL OTHER EQuIpIv¡grur Rrenrn nruo/oa REpLAcEMENT
EQUTPMENT 20 YEARS oR oLDER ACTUAL Cnsu VnIue

ASSOCIATIoN LIMITS
Ltn¡lr Prn AccTDENT 55o,ooo,ooo

Assocrnnoru SuBLtMtrs INor nll lNclusrvr]

CoNrtNGENT BustNESs lNrenRurloru/Exrna
EXPENSE
s2s0,000

Drvoulorrl/lNcnsns¡o Cosr Sl,ooo,ooo

ERRoRS rN DEscRtpTloN Poucy Lln¡lr
EXPEDITING EXPENSE Poucy Llrvrrr
HAZARDoUS Sussraf.¡cr s2,ooo,oo0
MEDIA Ssoo,ooo
NEWTY ACQUIRED LocATIoN Porrcv Lrvrrr

ORorrunruc¡ on Lnw tNcL. DEMoltloN $1,ooo,ooo

RE¡RlcrRnrul CoNuvllrunrroru PoLrcv Lrvrr
WATER DAMAGE PoLIcY LIMIT

MAJoR PrRr¡-s Excr-uoro

EARTHqUAKE EXCLU DED

EC P:nr¡-s Exclu o¡o

FLooD EXcLU DED
. Fnrpz¡ Exclu o¡o
FURNACE ÊxpLostoN EXcLUDED
Lle grru¡ruc Excr-u oe o

r' Per Expiring

lmprovemênt to Expir¡ng

Wonrn L4
Risk Manaoement
,1 tt/\l u\ i()R Ci¡¡Pi\l'lY
 TowN oF LoNGBoAT KEY
2OI9 -2O2O REN EWAL PRoPoSAL
PRopeRlv & Cnsunlrv l¡lsuRrruce
PRESENTED: AUGUST ZITN 2OL9
AnclunRv - Exctss LlnelLlw PRoposnl

Excess LrnsrLrrY

R¡rurwaL
tolotltsrc ß/oU2o
CoMPANY PUgLIc R¡sr MANAGEMENT o¡ Fronlon
CoVERAcES INcLUDED

AUTo LIABILITY EMPLoYMENT PRaclcrs LrABrLrrY GENERAL LIABILITY

EMPLoYEE BENEFTTS Lraerurv ERRoRS & Owlsslolts LlnsrLrrv Lnw EruroRc¡w rNr Lrnarrrrv

ExcLUsroNs IlrucLuorwc BUr Nor r-rurrro ro]

Ev prov¡Rs' Lrnatrrv/Wonrrns' POLLUTION LIABILITY EXcLUSIoN-
ABUSE oR MoLESTAT|oN
CoMPENSATToN HoSTILE FIRr CovrRnce
FATLURE To SUPPLY EXcLUstoN-
Alnponr LrABrLrrY SrLrcA oR Dusr
UTTLTTlES

ASBESTOS FUNGI oR BACTERIA . Wnn

AuroMoBrLE FrRsr Pnnry CovERAGE NuRsrNG HoME WHnRrlrucrns' LIABtLtry

PRoPERTY Dan¡ae¡ ExcLUSroN-REAL
DAMS, LEVEES, DIKES oR RESERVoIRS
R PERSoNAL PRoprnrv

LrNE oF CovERAGE LIMIT EXcEss oF LIMITS CoVERAGE TRIGGER

AUTo LIABILITY s8,000,000 s2,000,000 PER AcctDENT

EMPLoYEE Brrurr¡r LlnelLrrv s8,000,000 S2,ooo,ooo PER CLAIM

EMPLoYMENT PRAcÏcES LrABrLrrY SS,ooo,ooo s2,000,000 P¡R Cla¡vr

Grru¡nnL LtaslLlrv tNcL. LAW ENFoRcEMENT SS,ooo,ooo Sz,ooo,ooo P¡n Occu nn¡rucr

Mrsc¡r-lnrurous Pnorrssrorunl SS,ooo,ooo Sz,ooo,ooo PER CLA|M

'r53,000,000 ConngrNeo Exc¡ss LrrerLrry AGcREGATE AppLrEs PER MEMBER FoR EMployEE BENÉFtrs LtABtLtrv, PuBLtc OFFtclArs
ERRoRS & Olussrolus AND EMptoyMENT PRAcncEs LllBrllry olr¡rv*

PuBLrc OFFrcrALs & ERRoRS & Ovllsslo¡ls Rrrno Dnre 0s/os/1994

EMployMENT PRAcÏcEs L¡ABrLrry R¡tRo Dnrr: tolol/1.997
I EMPLoYEE BENEFITS LIABILITY RETRo DATE: !997

Wonro 15
Risk Management
B/\iti\lOR CliÀ1P,\NY
^
 TowN oF LoNGBoAT l(EY
2OL9-2O2O RENEWAT Pnopostr
PRoPERTY & Crsurlrv ltsuRnrucr
Aueusr 271e zOLg
PRESENTED:
Optlonnl- Pou-urtoru & Reueornno¡¡ Lrngruw PRoposnl- Nor CuRn¡rurlv PuRcxnsso

Pou.unoru nno RrmtorATtoN LEGAL Lnslury

ExPTRTNG Cov¡nncE RENEWAL
tolúlLerc Lol}tlte t0lú/rerc Lo/oL/20
CnRnreR INDIAN HARBoR INSURANcE Co INDIAN HARBoR IrusuRnrucr Co
NAMED INSURED PUgUc RIsx MANAGEMENT op FroRIon PuBLtc RtsK MANAGEMENT oF FLoRTDA

CovrRnGr FoRvl CLAIMS MADE Cnrvrs Mno¡

RETRoACTIVE DATE t0/07/L998 70/0r/19s8
S¡Ir-IusuReo RETENTIoN s2s,000 s25,oo0
LIMITS

LtMtr oF LIABtLtry EAcH poLLUTtoN coNDtloN Sl,ooo,ooo

TorAL LtMtr oF LlABrLtry AruruunL nce Rrenr¡ $2,ooo,ooo

EMERGENcY REMEDIATIoN EXPENSE s250,000

EMERGENCY REMEDIATIoN EXPENSE
AecR¡cnte $1,ooo,ooo

CoveRae r (lrucluorruc BUr Nor r-rrurrro ro]

Conrl rucrrur TRANSpoRTATIow Covrn¡c¡ I NcLU DED

Leelr Drrrrus¡ ExPENSE I NcLUDED

Oru Pn¡vrsrs & Or¡ Pn¡vrscs REMEDtATtoN

I NcLUDED
LEGAL LIABILITY

PoLLuÏow LrenL LtnatLtry I NcLU DED

Sron¡c¡ Terurs I NcLU DED

r' Per Expir¡ng

lmprovement to Expir¡ng

Wonrn L6
Risk Management
A 8/\:l^iOR CaMt)ÀFlY
 ToWN oF LoNGBoAT KEY
20t9 -2020 ReN rwnl PRoposAL
PRoPERTY & Ctsunlrv lNsuRANcE
PRrs¡rurro: AuGUsr 27" 2OL9
Oprlorunl - AlRpoRt Ownrns & OptnnroRs llngruw PRoposnl - Nor CuRReruTry PuRcHAsED

ArRponr Own¡¡Rs AND OpERAToRS L¡ABIury

ExPTRTNG CovERAGE R¡rue wet
LolollLBro to/otlt9 L0lallL9 îo Lalúl2o
CARRIER ACE Pnop¡nrv & Casualry lNsuRANcE Co ACE PRopERTy & Casunlrv lrusuRnruc¡ Co
Nnmeo lNsuRED PugLIc RIsr MANAGEMËNT or FIoRIon PusLrc Rlsx Mnrune ¡v¡ur oF FLoRtDA
FAA lD Srnrr Nnus N/A N/A
CoveReee FoRvr Occunnrruc¡ Occunn¡ruc¡
DEDUcTIBTE NIL NIL

LIMITS

Lrv¡¡ or LIABtLtry s2,000,000

ExTrIoro CoVERAGE-WAR, HI-JAcKING
& orpeR PERTLs ANNUAL AGGREGATE
s2,000,000

FIRE DAMAGE Llutr lruy oNE FIRE s100,000

HANGARKEEpERS lvol "m rLlcnr" rtvllt
ANY ONE OCCURRENCE
Sl,ooo,ooo
HerucnRx¡rprns Nor "tN rLlcHT" LtMlr
ANY ONE AIIRCRAFT
Sl,ooo,ooo

MnrpRact¡c¡ AN NUAL AccREGATE s2,000,000

Mrolcal ExpENSË LtMtr ANy oNE pERSoN Sr,ooo

Now-Owl,l Eo AtRcRnrr LtABtLtry s2,000,000

PERSoNAL INJURY AND ADVERTIsING
I ruruRv A¡rtrlunl AGGREGATE 52,ooo,ooo
Pnooucrs-Cov pLETED OpERAT|oNS

AruruunL AeeneenrE s2,000,000

CoNDrroNs INor ALL rrrtct-usrve]

60 DAys NottcE oF cANcELLATIoN, NoN-
RENEWAL OR REDUCTION IN COVERAGE BY
lNsuRER, aur l-0 onys NolcE FoR NoN-
PAYMENT OF PREMIUM

r' Per Expiring

lmprovement to Expiring

Wonrn t7
Risk Management
8ÀrlÄr()R a(iMPANY
^
 TowN oF LoNGBoAf KEY
2OL9-2O20 Rsrurwtl PRoposAl
PRopsRrv & Casualrv lnsuntrucr
PRESENTED: AuGUsr 2711 2OL9
Exposune CHn¡¡ce

ExposuRr CnA¡rrce

ExposuRe 20L8-2019 20L9-2A20 % Cnnruce

Pnopsnrv TIV 532,992,037 532,949,253 -.'1.30/o

NUMEER oF AUToMoEILES 69 6t t2%

NUMBER oF EMPLoYEES 110 110 o%

TorAL PnvRor-r- S7,669,538 57,969,LL6 4%

Wonrn 18
Risk Management
8^üÁioR cat^1P^NY
^
 TowN oF LoNGBoAT KEY
2OI9-2O2O RENEWAT PRoposAL
PnopeRry & Cnsuelrv lNsuRANcE
PResgtreo: Aucusr 27\N 2Ot9
PRoposnr PRrcrrue & Brruolruc AurHoRlw

AFTER CAREFUL coNslDERATtoN oF THE REFERENcED pRoposAl, wE AccEpr youR tNsuRANcE pRoGRAM As
INDIcATED wlrH AN "X" BELow:

PRop¡Rry & Cnsunlry Covenne¡s PRerururø Bn¡lroowl Brruo

2018-20L9 2OL9-2O2O % Csn¡¡e e Yrs NO

PRM Pnope nrv & Cnlrvle s100,273

PRM BoTLER & Mnculrueny s1,384
PRM GL/rErlALIE& ExcESs LrarsLlry sL27,887
PRM WoRKERS' CoMpErustnolrl S198,592

PREFERRED MeMern PARTtclpATtoN CREDtT s-8,563 -s8,987

GRAND ToTAL 5419,523 5440,34t 5.76%

Oprronnr/ANctLLARy CovEReeEs

CvsgR Lr¡sruty lncluoto INcLUDED

PoLLUTToN LIABrLrry N/A N/A

AvtATtoN LrABrLrrY N/A N/A

PAYMENT PLAN: PRM Arlows rHEtR MEMBERs ro pAy rHEtR TorAr cosrs tN roun (4) euARTERLy tNsrArrMENTS. THE
to 25oÁ oF AU. cosrs. THE REMA|NtNG cosrs wtrL BE pAtD ovER THE
FlRsr lNsrAttMENT ts DUE AT tNcEpfloN AND rs EeuAt
NExr rHREE (3) eunnr¡ns.

THls wARRANTS IHAT you HAVE No KNowLEDGE oF ANy cLArM, oR INcTDENT THAT MAy REsurr rN A cLArM, THAT HAs Nor
BEEN REPORTED TO THE INSURANCE CARRIER.

lT ls uNDERsrooD AND AGREED THAT REFERENcED pRoposAL pRovrDEs oNry A suMMARv oF THE tNsuRANcE pRoGRAM
oPTloNs oFFERED. Tx¡ ncrutl PoLtctEs wrLL coNTAtN THE coMpLETE TERMs, coNDtfloNs, DEDUcflBLEs, ExclustoNs,
ETCETERA. PLEASE REVIEW POLICY LANGUAGE FoR A FUtL UNDERSTANDING oF PURCHASED PRoGRAM.

Member Signature Date

Print Member Name

SIGNED BINDING AUTHORITY TO BE RETURNED BY 9II5I2OI9

THts DocUMENT tN trs ENTIRETv ts coruFtDENTrAt & pRopnrelaRy tN NATURE - Nor FoR puBLtc REcoRD

Wonro L9
Risk Management
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 ToWN oF LoNGBoAT KEY
2Ol9-2O20 RËN EwAr PRoPosAr
Pnopenr & CAsuArrY lNsuRANcE
PRESENTED: AuGUsr 27'" 2OL9

TwO YTRn CovTRacE AGREEMENT

lT ts AGREËD BY BorH PRM aruo TowN oF LoNGB0AT KEy rHnr, By EXEcUÏNG THts Two YgnR CoveRncE AGREEMENT, THE
EXtsrtNG Two YEAR CovERAGE AeRrsuerur onrro 09/01/2018 rs cANcETLED AND REeTACED As FoLLows:

PRM ts oFFERTNG A Two vEAR Covrnne r AcREEMENT oproN, wrrH RATEs, Nor pREMtuMs, GUARANTEED To REMATN THE
sAME FoR rHElOlt/2019 ro tOltl2O2l Covrnnce PERToD ICovrnnce PERtoDs (rl 701712079 12:0lAu ro
lOlLl2O2012:01AM (ul tOlLl2O20 12:01nru rc LO/tl2Ù2t 12:Olarvrl.

ïHts Two YEAR AGREEMENT DoEs Nor INcLUDE pRopERTy tNsuRANcE covERAGE AND DoES Nor coNslrurE A BAR oN THE
ABtLrry oF A PRM MEMBER To wtrHDRAw FRoM THE PRM Poo¡_.
THts Two Y¡an AcRreurNT rs suBJEcr ro rHn FoLLowrNc, FoR BorH LIABtLrry & WoRrrRs' CoMpENsATtoN:
THts Two vEAR AGREEMENT DoEs Nor TNcLUDE pRopERTv rNsuRANcE covrRAGE ANÐ DoEs Nor coNsrrurE A BAR oN THE
ABtLtTy oF PRM MEMBER To wtrHDRAw FRoM THE PRM PooL.

LtnRlllrv WoRKrRs' Covl prrusnrtor.¡

1. A terrorist event or some other disaster that would cause 1. A terrorist event or some other disaster that would cause
PRM to become un-insurable/re-insurable or if said event PRM to become un-insurable/re-insurable or if said event
Severely crippled the world capacity making severely crippled the world capacity making
insurance/reinsurance unaffordable, substantial increase insurance/reinsurance unaffordable, substantial increase in
in cost or unavailable. cost or unavailable.
2.30% incurred loss ratio for the renewal period of October 1, 2.3OYoincurred loss ratio for the renewal period of October L,
2OI7 to October l,2O2O. Loss Ratio will be evaluated using 2OI7To October t,2020. Loss Ratio will be evaluated using
losses valued as ofJune 30,2Q2O. losses valued as ofJune 30,2O2O.
3. PRM incurred loss ratio = paid losses and claim reserved 3. PRM incurred loss ratio = paid losses and claim reserved
divided by annual liability premium. divided by annual Work Comp premium.
4. lf members loss ratio is breached, PRM reserves the right to 4. lf members loss ratio is breached, PRM reserves the right to
re-underwrite. re-underwrite.
5. All aggregate limits are for one l2-month Coverage Period 5. All aggregate limits are for one 12-month Coverage Period
And losses applying to one Coverage Period do not erode and losses applying to one Coverage Period do not erode
Other 12-month Coverage Period aggregate limits. other 12-month Coverage Period aggregate limits.
6. This does not negate the need to provide updated exposure 6. This does not negate the need to provide updated exposure
information via the PRM Renewal Application. Rates remain information via the PRM Renewal Application. Rates
the same, but premiums will vary based on exposure remain the same, but premiums will vary based on
information. exposure information.
of Coverage (Property, Liability (AL, GL & E&O) &
7. All lines 7. All lines of Coverage (Property, Liability (AL, GL & E&O) &
WC) must be purchased to bind the 2-year Coverage WC) must be purchased to bind the 2-year Coverage
Agreement. Agreement.
8. Premiums are subject to changed based on 8. Premiums are subject to changed based on
increases/decreases in payroll. increases/decreases in payroll.
lru rus ¡vrrur lH¡ Me¡ugeR cANcELs oNE, oR Arr LINES oF covERAcE pRtoR To L0/tl2O2L 12:01nru, A pENArry EeuAr ro 60
DAYS PREMtUM or rHr ltrur(s) oF covERAGË sHALr Apply. THrs eENALTv sHALL AppLy REGARDLEss oF wHEN NorcE oF
CANCELLATION IS GIVEN, OR THE EFFECTIVË DATE OF SUCH CANCËLLATION; HOWEVER, THIS PENALTY SHALL NOT SERVE AS A
PROHIBITIoN OR BAR To THE PRM MEMBER WITHDRAWING FRoM THE PRM PooL.
BY stcNtNG THls Two YetR Covenace Ae Rtrvtrur, you ARE AGREETNG To rHE TERMS AND coNDtnoNs LtsrED ABovE.

Member Signature Date

lVonrn 20
Risk Management
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