HomeMy WebLinkAboutArthur J. Gallagher Risk Management Services, LLC – 2026-27 Renewal Proposal
Proposal of Insurance
Shaun Woleshin
Area Executive Vice President
Arthur J Gallagher Risk Management Services, LLC
501 Riverside Avenue, Suite 1000
Jacksonville, FL 32202
(904) 548 2302
Shaun_Woleshin@ajg.com
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Arthur J Gallagher Risk Management Services, LLC
AJG License Nos.IL 100292093 / CA 0D69293
City of Atlantic Beach
800 Seminole Rd
Atlantic Beach, FL 32233
Presentation Date: September 4, 2026
Effective Date: October 01, 2026
City of Atlantic Beach
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Proposal Summary
We appreciate the opportunity to quote your business insurance. This proposal is a summary of policy terms and
conditions. We have been able to achieve our goal of a competitively priced program that protects your risk and
exposures. We are recommending that you place your insurance program as shown below.
This proposal provides coverage highlights along with the attached carrier quotations for the following coverages:
Commercial Package
o Property
o Inland Marine
o Crime
o Cyber
o General Liability
o Automobile Liability
Workers’ Compensation
Fiduciary Liability
Flood
We are not aware of any changes in your exposures to loss, nor are we aware of any changes in your business
operations that would necessitate additional coverage options. Please notify us immediately if you are planning any
new business operations.
The values and schedules are per the expiring policy or the information you have previously provided. It is your
responsibility to notify us of all necessary changes to your schedules.
Information contained in this proposal is intended to provide a brief overview of coverages. It should be used for
reference purposes only. It is not intended to provide a full list of policy exclusions, limitations, and conditions. The
provided quotes should be reviewed for further details. Coverage afforded to you is subject to all terms, conditions,
and exclusions of the bound and issued policies.
To Bind Coverage:
Please refer to the attachment document titled, “Client Authorization to Bind Coverage”:
Note any changes you desire to make.
Place a check mark next to the coverage(s) you wish to accept
Date and Sign
Return prior to the effective date of coverage
Thank you for allowing Gallagher to service your insurance needs. We appreciate your business and look
forward to working with you in the coming year. Please contact me if you have any questions.
Sincerely,
Corey Markle
Corey Markle
Client Service Manager
Enclosure
City of Atlantic Beach
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Your Gallagher Team
Your Gallagher team is a true partner. We have the expertise to understand your business and we’re here to service
and stay alongside you, every step of the way.
Service Team Role Email Phone
Shaun Woleshin
Area Executive Vice President Producer Shaun_Woleshin@ajg.com (904) 548 2302 (p)
Corey Markle
Client Service Manager Client Service Manager Corey_Markle@ajg.com (904) 421 4320 (p)
Chandra Waters
Claims Advocate Claims Advocate (P&C) Chandra_Waters@ajg.com (904) 421 5352 (p)
Gary Smid, RPLU
Client Service Executive Client Service Executive Gary_Smid@ajg.com (813) 367 5602 (p)
City of Atlantic Beach
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Named Insured
Note: Any entity not named in this proposal may not be an insured entity. This may include affiliates, subsidiaries,
LLCs, partnerships, and joint ventures.
Named Insured Municipality Package Workers’ Compensation Fiduciary Liability
City of Atlantic Beach X X X
City of Atlantic Beach
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Premium & Exposure Summary
Property & Inland Marine Expiring Renewal Variance 10/01/2025-2026 10/01/2026-2027
P.G.I.T. P.G.I.T.
A.M. Best Rating N/A N/A
Admitted or Non Admitted N/A N/A
Buildings & Contents Total Insured Value 57,056,694 57,056,694 0.0%
Blanket Unscheduled Equipment Total 1,000,000 1,000,000 0.0%
Scheduled Equipment Total 2,432,089 2,782,251 14.4%
Total Insured Value 60,488,783 60,838,945 0.6%
Equipment Breakdown 57,056,694 57,056,694
Named Windstorm Per Occurrence
5% TIV Per Occurrence/Per
Location for Named Storm
subject to 35,000 minimum
5% TIV Per Occurrence/Per
Location for Named Storm
subject to 35,000 minimum
All Other Perils Deductible:
Per Occurrence Buildings & Contents
and Extensions of Coverage
$10,000 $10,000
Inland Marine Deductible - per
occurrence $5,000 $5,000
Inland Marine Deductible - Named Storm 5% Per Occurrence/ Per Item,
35k min.
5% Per Occurrence/ Per Item,
35k min.
Flood Limit - Excess of NFIP, whether
purchased or not
$3,000,000 Per Occurrence &
Aggregate
$3,000,000 Per Occurrence &
Aggregate
Flood Deductible
Excess of NFIP for Flood
Zones A&V; $10,000 All Other
Zones
Excess of NFIP for Flood
Zones A&V; $10,000 All Other
Zones
Earth Movement $5,000,000 Per Occurrence &
Aggregate
$5,000,000 Per Occurrence &
Aggregate
Earth Movement Deductible $10,000 $10,000
Terrorism $5,000,000 Per Occurrence &
Aggregate
$5,000,000 Per Occurrence &
Aggregate
Terrorism Deductible $10,000 $10,000
Property Premium $408,895.00 $283,289.00 -30.7%
Inland Marine Premium $5,548.00 $4,869.00 -12.2%
Total Equipment Breakdown Premium Included in Property Included in Property
Total Property & IM Premium $414,443.00 $288,158.00 -30.5%
Minimum Earned Premium 25% 25%
The Preferred Property program is a shared limit. The limits purchased are a per occurrence limit and in the event an
occurrence exhausts the limit purchased by Preferred on behalf of the members, payment to you for a covered loss
will be reduced pro-rata based on the amounts of covered loss by all members affected by the occurrence.
City of Atlantic Beach
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Crime Expiring Renewal
P.G.I.T. P.G.I.T.
Employee Dishonesty, per loss $250,000 $500,000
Deductible - any one occurrence $1,000 $1,000
Forgery or Alteration $250,000 $500,000
Deductible - any one occurrence $1,000 $1,000
Theft, Disappearance or Destruction -
Money and Securities Only $250,000 $500,000
Deductible - any one occurrence $1,000 $1,000
Computer Fraud including Funds
Transfer Fraud $250,000 $500,000
Deductible - any one occurrence $1,000 $1,000
Total Crime Premium $1,303.00 $1,000.00 -23.3%
Total Crime Premium ($1M Option) - $1,250.00 -4.1%
General Liability
(incl. Employee Benefits Liab. &
Drone Liability)
Expiring Renewal
General Liability - Occurrence Form P.G.I.T. P.G.I.T.
Bodily Injury & Property Damage Limit
Combined Single Limit $2,000,000 $2,000,000
Personal & Advertising Injury Included Included
Products & Completed Operations Limit Included Included
Deductible - Per Occurrence
Bodily Injury & Property Damage
Combined
$10,000 $10,000
Employee Benefits Liability Limit - Per
Person $2,000,000 $2,000,000
Unmanned Aircraft (Drone) Coverage
Liability Limit Per Occurrence/Aggregate $500,000 $500,000
Exposure
Payroll (excluding Police) $7,451,540 $8,477,162 13.8%
Scheduled Drones 1. 2019 DJI Mavic Mini 1. 2019 DJI Mavic Mini
Total General & EBL Premium $48,180.00 $39,395.00 -18.2%
Law Enforcement Liability Expiring Renewal
Occurrence Form P.G.I.T. P.G.I.T.
Per Person $2,000,000 $2,000,000
Per Occurrence $2,000,000 $2,000,000
Deductible - Per Occurrence $10,000 $10,000
Exposures
Payroll (Policy only) $3,013,789 $3,432,865 13.9%
# of Officers (FT, PT & Volunteer) 31 46 48.4%
Total LEL Premium $29,899.00 $29,899.00 0.0%
City of Atlantic Beach
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Deadly Weapon Protection Expiring Renewal
Claims Made P.G.I.T. P.G.I.T.
Third Party Liability Coverage $1,000,000 $1,000,000
24-hr Crisis Management Services Included Included
Counseling Services - Sublimit $250,000 $250,000
Funeral Expenses - Sublimit $250,000 $250,000
Deductible $0 $0
Retroactive Date 10/1/2019 10/1/2019
Deadly Weapon Premium Included Included
Public Officials & Employment
Practices Liability Expiring Renewal
Public Officials Liability - Claims
Made Form P.G.I.T. P.G.I.T.
Limit of Liability - Per Claim/Occurrence $2,000,000 $2,000,000
Limit of Liability - Aggregate N/A N/A
Deductible - Each Claim $10,000 $10,000
Employment Practices Liability -
Claims Made Form
Limit of Liability - Per Claim/Occurrence $2,000,000 $2,000,000
Limit of Liability - Aggregate N/A N/A
Deductible - Each Claim $10,000 $10,000
Exposures
# of Full Time Employees 124 129
# of Part Time Employees 56 58
# of Volunteer Employees 23 13
Total Employees 203 200 -1.5%
Payroll $10,465,329 $11,910,027 13.8%
Total PO & EPL Premium $115,531.00 $99,068.00 -14.2%
Cyber Liability Expiring Renewal
Cyber Liability - Claims Made Form P.G.I.T. P.G.I.T.
Policy Limit - Annual Aggregate Same as Expiring
Retroactive Date Same as Expiring
Deductible Same as Expiring
Cyber Liability Premium $7,033.00 $7,032.00 0.0%
In accordance with Florida Statute 119.0725, Gallagher has omitted Cyber Liability coverage details above to shield
the City from increased potential risk of cyber and ransomware attacks should such details be released on public
record.
City of Atlantic Beach
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Commercial Auto Expiring Renewal
P.G.I.T. P.G.I.T.
Bodily Injury & Property Damage
Combined Single Limit - Total Any One
Accident
$2,000,000 $2,000,000
Personal Injury Protection Statutory Statutory
Comprehensive/Collision Deductibles $1,000 / $1,000 $1,000 / $1,000
Hired/Borrowed Auto Liability Included Included
Non-Owned Auto Liability (Excess Only) Included Included
Hired Physical Damage $35,000 Limit
$1,000 Deductible
$35,000 Limit
$1,000 Deductible
Exposure
Number of Autos 137 130 -5.1%
Total Cost New Value (Physical
Damage) 5,113,448 5,085,581 -0.5%
Total Auto Premium $121,721.00 $118,541.00 -2.6%
Workers' Compensation Expiring Renewal
P.G.I.T. P.G.I.T.
Employer Liability Limits $1,000,000 / $1,000,000 /
$1,000,000
$1,000,000 / $1,000,000 /
$1,000,000
Gross Payroll $10,465,329 $11,910,027 13.8%
Experience Mod 0.67 0.73 9.0%
Standard Premium $228,388.00 $254,958.00 11.6%
Drug Free & Workplace Safety Credits Included Included
Expense Constant $160.00 $160.00
Estimated Total Premium $163,461.00 $123,927.00 -24.2%
Total PGIT Premium $900,268.00 $707,270.00 -21.4%
Pollution (Storage Tank) Liability (3-
year term)
1st of 3 years 2nd of 3 years
10/01/2025-28 10/01/2025-28
Claims-Made Form Illinois Union Insurance
Company
Illinois Union Insurance
Company
A.M. Best Rating A++ XV A++ XV
Admitted or Non Admitted Non-Admitted Non-Admitted
Limits of Liability - Per Incident 2,000,000 2,000,000
Total Policy Aggregate Limit 7,000,000 7,000,000
Deductible - Per Incident 25,000 25,000
Retroactive Date 10/1/1998 10/1/1998
Exposures
# of ASTs 4 4
# of USTs 2 2
Policy Premium (Full Pay for all 3 years) $46,870.00 $46,870.00
SL Taxes and Fees $2,343.50 $2,343.50
Total Policy Premium (Full Pay) 49,213.50 49,213.50 0.0%
Total Annualized Premium $16,404.50 $16,404.50
NOTE: Total Policy Premium above already paid in 2025 - including in this summary for informational purposes only.
Minimum Earned Premium 25% 25%
City of Atlantic Beach
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Statutory Benefits: Accidental Death
& Dismemberment
1st of 2 years 2nd of 2 years
10/01/2025-2027 10/01/2025-2027
Ace American Insurance Co. Ace American Insurance Co.
Accidental Death Benefit -
Unlawful & Intentional Death &
Dismemberment
$225,000 $225,000
Accidental Death Benefit -
in fresh pursuit $150,000 $150,000
Accidental Death & Dismemberment
Benefit -
In the line of duty
$75,000 $75,000
Funeral and Burial Expense benefit $1,000 $1,000
Accident Total Disability Benefit Eligible for 100% of Benefits
(above)
Eligible for 100% of Benefits
(above)
Exposures
Headcount 96 96
Total Statutory Benefits Premium (2-
year prepaid) $3,733.00 $3,733.00 0.0%
Annualized Premium $1,866.50 $1,866.50
NOTE: Total Premium above already paid in 2025 - including in this summary for informational purposes only.
Fiduciary Liability Expiring Renewal
10/01/2025-2026 10/01/2026-2027
Hudson Insurance Company Hudson Insurance Company
Pending or Prior Proceeding Date 10/1/2011 10/1/2011
Continuity Date None
Full Prior Acts Coverage
None
Full Prior Acts Coverage
Aggregate Limit for all losses 2,000,000 2,000,000
Deductible - Each Claim 5,000 5,000
Policy Premium $6,802.95 $6,479.00
Surcharges $0.00 $0.00
Total Fiduciary Liability Premium $6,802.95 $6,479.00 -4.8%
City of Atlantic Beach
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Flood (various locations) Expiring Renewal
2025-2026 2026-2027
Auto Owners Insurance
Company
Auto Owners Insurance
Company
Total Insured Value $2,662,000 $2,662,000 0.0%
City Hall $986,000 $986,000
739 Renault Drive Lift Station $500,000 $500,000
Concession Building $361,000 $361,000
Commission Chambers $315,000 $315,000
Police Building $500,000 $500,000
Deductible - Each location; Applied
separately to Building & Contents $5,000 $5,000
Total Flood Premium $23,430.00 $25,742.00 9.9%
Total Annual Premium $950,638.45 $759,628.50 -20.1%
Annual Broker Fee $45,000.00 $45,000.00 0.0%
Total Annual Program**
(includes prepaid, multi-year
policy premiums detailed above.)
$995,638.45 $804,628.50 -19.2%
** Total Program Cost for the renewal does not consider the commission to be returned on the flood policies.
Premiums are due and payable as billed and may be financed, subject to acceptance by an approved finance company. Following
acceptance, completion (and signature) of a premium finance agreement with the specified down payment is required. Note: Unless
prohibited by law, Gallagher may earn compensation for this optional value-added service.
Gallagher is responsible for the placement of the following lines of coverage: Commercial Package (Property, Inland Marine, Crime,
General Liability, Automobile Liability), Premises Pollution Liability, Accidental Death & Dismemberment, Workers’ Compensation,
Commercial Lines Flood – NFIP, Fiduciary Liability.
It is understood that any other type of exposure/coverage is either self-insured or placed by another brokerage firm other than
Gallagher. If you need help in placing other lines of coverage or covering other types of exposures, please contact your Gallagher
representative.
City of Atlantic Beach
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Market Review
We approached the following carriers in an effort to provide the most comprehensive and cost-effective insurance
program.
Line Of Coverage Insurance Company ** (AM Best
Rate/Financial Strength) Market Response * Admitted ***
Commercial Package Preferred Governmental Insurance Trust Quoted Non-Admitted
Florida League of Cities (FMIT, FACT) Declined to Quote Non-Admitted
Workers’
Compensation
Preferred Governmental Insurance Trust Quoted Non-Admitted
Florida Municipality Insurance Trust Declined to Quote Non-Admitted
Fiduciary Liability Hudson Insurance Company Quoted Admitted
*If shown as an indication, the actual premium and acceptance of the coverage requested will be determined by the market after a
thorough review of the completed application.
**Gallagher companies use AM Best rated insurers, and the rating listed above was verified on the date the proposal document was
created.
Best's Credit Ratings™ reproduced herein appear under license from AM Best and do not constitute, either expressly or impliedly,
an endorsement of Gallagher’s service or its recommendations. AM Best is not responsible for transcription errors made in
presenting Best's Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the
express written permission of AM Best.
A Best’s Financial Strength Rating is an independent opinion of an insurer’s financial strength and ability to meet its ongoing
insurance policy and contract obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to
policyholders. Best's Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s
Credit Ratings™ and Guide to Best’s Credit Ratings, visit the AM Best website at http://www.ambest.com/ratings.
***If coverage placed with a non-admitted carrier, it is doing business in the state as a surplus lines or non-admitted carrier and is
neither subject to the same regulations as an admitted carrier nor do they participate in any state insurance guarantee fund.
Gallagher companies make no representations and warranties concerning the solvency of any carrier, nor does it make any
representation or warranty concerning the rating of the carrier which may change.
City of Atlantic Beach
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Claims Reporting By Policy
Immediately report all claims. Each insurer requires notice of certain types of claims depending on the potential
exposure or particular injury types. It is important to thoroughly review your policy to ensure you are reporting
particular incidents and claims, based upon the insurer’s policy requirements.
If you are using a third party administrator (“TPA”), your TPA may or may not report claims to an insurer on your
behalf. Although we will assist you where requested, it is important that you understand whether your TPA will be
completing this notification.
Reporting Direct to Carrier [Only When Applicable]
Coverage(s): Municipality Package Immediately report claims directly to:
Insurer: Preferred Governmental Insurance Trust Insurer/TPA Name: PGIT (Preferred Governmental
Insurance Trust)
Phone: 800-237-6617 (24/7 claim reporting)
Fax: 321-832-1448
Hurricane Claims Email: Hurricane@pgcs-tpa.com
All other Claims Email: Liabilityclaims@pgcs-tpa.com
Policy Term: 10/01/2026 – 10/01/2027 Web: www.pgcs-tpa.com (registration required)
Coverage(s): Workers’ Compensation Immediately report claims directly to:
Insurer: Preferred Governmental Insurance Trust Insurer/TPA Name: PGIT (Preferred Governmental
Insurance Trust)
Phone: 800-237-6617 (24/7 claim reporting)
Fax: 321-832-1448
Email: WCclaims@pgcs-tpa.com
Policy Term: 10/01/2026 – 10/01/2027 Web: www.pgcs-tpa.com (registration required)
Coverage(s): Fiduciary Liability Immediately report claims directly to:
Insurer: Hudson Insurance Company Insurer/TPA Name: Hudson Insurance Company
Phone: 866-546-3971
Policy Term: 10/01/2025 – 10/01/2026
Fax:
Email: HudsonClaims300@hudsoninsgroup.com
Web: https://hudsoninsgroup.com/claims/
Reporting to Gallagher or Assistance in Reporting
Coverage(s): Commercial Package, Premises
Pollution Liability, Accidental Death &
Dismemberment, Workers’ Compensation
Immediately report claims directly to:
Gallagher Claim Center Phone: 855-497-0578
Fax: 225-663-3224
Policy Term: Multiple Email: ggb.nrcclaimscenter@ajg.com
City of Atlantic Beach
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Proposal Disclosures
The following disclosures are hereby made a part of this proposal. Please review these disclosures prior to signing the Client
Authorization to Bind or e-mail confirmation.
Proposal Disclaimer
IMPORTANT: The proposal and/or any executive summaries outline certain terms and conditions of the insurance proposed
by the insurers, based on the information provided by your company. The insurance policies themselves must be read to fully
understand the terms, coverages, Exclusions including but not limited to:, limitations and/or conditions of the actual policy
contract of insurance. Policy forms will be made available upon request. We make no warranties with respect to policy limits
or coverage considerations of the carrier.
Compensation Disclosure
1. Gallagher Companies are primarily compensated from the usual and customary commissions, fees or, where permitted, a
combination of both, for brokerage and servicing of insurance policies, annuity contracts, guarantee contracts and surety
bonds (collectively “insurance coverages”) handled for a client’s account, which may vary based on market conditions and the
insurance product placed for the client.
2. In placing, renewing, consulting on or servicing your insurance coverages, Gallagher companies may participate in
contingent and supplemental commission arrangements with intermediaries and insurance companies that provide for
additional compensation if certain underwriting, profitability, volume or retention goals are achieved. Such goals are typically
based on the total amount of certain insurance coverages placed by Gallagher with the insurance company, not on an
individual policy basis. As a result, Gallagher may be considered to have an incentive to place your insurance coverages with
a particular insurance company. If you do not wish to have your commercial insurance placement included in consideration
for additional compensation, contact your producer or service team for an Opt-out form.
3. Gallagher Companies may receive investment income on fiduciary funds temporarily held by them, or from obtaining or
generating premium finance quotes, unless prohibited by law.
4. Gallagher Companies may also access or have an ownership interest in other facilities, including wholesalers, reinsurance
intermediaries, captive managers, underwriting managers and others that act as intermediaries for both Gallagher and other
brokers in the insurance marketplace some of which may earn and retain customary brokerage commission and fees for their
work.
If you have specific questions about any compensation received by Gallagher and its affiliates in relation to your insurance
placements, please contact your Gallagher representative for more details.
TRIA/TRIPRA Disclaimer
If this proposal contains options to purchase TRIA/TRIPRA coverage, the proposed TRIA/TRIPRA program may not cover all
terrorism losses. While the amendments to TRIA eliminated the distinction between foreign and domestic acts of terrorism, a
number of lines of coverage excluded under the amendments passed in 2005 remain excluded including commercial
automobile, burglary and theft insurance; surety insurance, farm owners multiple perils and professional liability (although
directors and officers liability is specifically included). If such excluded coverages are required, we recommend that you
consider purchasing a separate terrorism policy. Please note that a separate terrorism policy for these excluded coverages
may be necessary to satisfy loan covenants or other contractual obligations. TRIPRA includes a $100 billion cap on insurers'
aggregate liability.
TRIPRA is set to expire on December 31, 2027. There is no certainty of extension, thus the coverage provided by your insurers
may or may not extend beyond December 31, 2027. In the event you have loan covenants or other contractual obligations
requiring that TRIA/TRIPRA be maintained throughout the duration of your policy period, we recommend that a separate
""Stand Alone"" terrorism policy be purchased to satisfy those obligations.
Property Estimator Disclaimer
These property values were obtained using a desktop Property Estimator software operated by non-appraisal professionals.
These property values represent general estimates which are not to be considered a certified appraisal. These property values
include generalities and assumptions that may produce inaccurate values for specific structures.
City of Atlantic Beach
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Terms and Conditions
It is important that we clearly outline the nature of our mutual relationship. The following terms and conditions (these “Terms”)
govern your relationship with Gallagher unless you have separately entered into a written services agreement with Gallagher
relative to the policies and services outlined in this Proposal, in which case that services agreement will govern and control
with respect to any conflicts with these Terms. These Terms will become effective upon your execution of the Client
Authorization to Bind Coverage (the “CAB”) included in this Proposal and shall survive for the duration of your relationship
with Gallagher relative to the policies placed pursuant to the CAB or otherwise at your request.
Services
Gallagher will represent and assist you in all discussions and transactions with insurance companies relating to the lines of
insurance coverage set forth in the CAB and any other lines of insurance coverage with which you request Gallagher’s
assistance. Gallagher will consult with you regarding any matters involving these or other coverages for which you have
engaged Gallagher. You have the sole discretion for approving any insurance policies placed, as well as all other material
decisions involving your risk management, risk transfer and/or loss prevention needs.
Although you are responsible for notifying applicable insurance companies directly in connection with any claims, demands,
suits, notices of potential claims or any other matters as required by the terms and conditions of your policies, Gallagher will
assist you in determining applicable claim reporting requirements.
Gallagher is not required to provide Services to you if Gallagher reasonably considers that to do so would put Gallagher in
breach of, or would expose Gallagher or its affiliates to fines, penalties or sanctions under any laws, regulations, professional
rules or, in Gallagher’s sole opinion, you have breached a term/the terms of the Policies. In such circumstances, Gallagher
will be entitled to terminate its Services with immediate effect. In the event that Gallagher exercises its right to terminate its
Services with immediate effect, Gallagher will not be responsible or liable to you for any direct or indirect loss which you or
any other party may suffer as a result.
Please be aware that Gallagher is generally restricted from providing broking, claims handling or other services that relate to
Cuba and Iran, including due to significant difficulties in processing payments and other commercial and reputational
considerations.
Treatment of Information
Gallagher understands the need to protect the confidentiality and security of your confidential and sensitive information and
strives to comply with applicable data privacy and security laws. Your confidential and sensitive information will be protected
by Gallagher and only used to perform services for you; provided that Gallagher may disclose and transfer your information
(including transfers outside the United States in compliance with applicable laws) to our affiliates, agents or vendors that have
a need to know such information in connection with the provision of such services (including insurance markets, as necessary,
for marketing, quoting, placing and/or servicing insurance coverages). We may also disclose such information as required by
applicable data protection laws or the order of any court or tribunal, subject to our providing you with prior notice as permitted
by law. The parties agree that confidential information does not include aggregate, anonymized or de-identified data. In
addition, we may also utilize your aggregated, anonymized, or de-identified information in connection with benchmarking, risk
modeling and other data analytics, service or product improvements, and offerings, and similar business purposes. You further
agree we may use your information with artificial intelligence or other automated applications for the purposes of improving or
delivering our services to you.
We will (i) implement appropriate administrative, physical and technical safeguards to protect personal information; (ii) timely
report security incidents involving personal information to affected parties and/or regulatory bodies; (iii) create and maintain
required policies and procedures; and (iv) comply with data subjects’ rights, as applicable. To the extent applicable under
associated data protection laws, you are a “business” or “controller,” and Gallagher is a “service provider” or “data processor.”
You will ensure that any information provided to Gallagher has been provided with any required notices and that you have
obtained all required consents, if any and where required, or are otherwise authorized to transfer all information to Gallagher
and enable Gallagher to process the information for the purposes described in this Proposal and as set forth in Gallagher’s
Privacy Policy located at https://www.ajg.com/privacy-policy/ . Gallagher may update its Privacy Policy from time to time and
any updates will be posted to such site.
City of Atlantic Beach
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Dispute Resolution
Gallagher does not expect that it will ever have a formal dispute with any of its clients. However, in the event that one should
arise, we should each strive to achieve a fair, expedient and efficient resolution and we’d like to clearly outline the resolution
process.
A. If the parties have a dispute regarding Gallagher’s services or the relationship governed by this Proposal (“Dispute”),
each party agrees to resolve that Dispute by mediation. If mediation fails to resolve the Dispute, you and Gallagher agree
to binding arbitration. Each party waives all rights to commence litigation in court to resolve a Dispute, and specifically
waives all rights to pursue relief by class action or mass action in court or through arbitration. However, the parties do not
waive the ability to seek a court order of injunction in aid of the mediation and arbitration required by these Terms.
B. The party asserting a Dispute must provide a written notice (“Notice”) of the claim to the other party and to the American
Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules and Mediation Procedures. All
Dispute resolutions will take place in Chicago, IL, unless you and Gallagher agree to another location. The parties will
equally divide all costs of the mediation and arbitration proceedings and will each pay their own attorneys’ fees. All matters
will be before a neutral, impartial and disinterested mediator or arbitrator(s) that have at least 20 years’ experience in
commercial and insurance coverage disputes.
C. Mediation will occur within sixty (60) days of filing the Notice with the AAA. Mediation results will be reduced to a
memorandum of understanding signed by you, Gallagher and the mediator. A Dispute that is not resolved in mediation
will commence to binding arbitration. For Disputes in excess of $500,000, either party may elect to have the Dispute
heard by a panel of three (3) arbitrators. The award of the arbitrator(s) must be accompanied by a reasoned opinion
prepared and signed by the arbitrator(s). Except as may be required by law, neither you, Gallagher, nor a mediator or
arbitrator may disclose the existence, content or results of any Dispute or its dispute resolution proceeding without the
prior written consent of both you and Gallagher.
Electronic Delivery
In lieu of receiving documents in paper format, you agree, to the fullest extent permitted by law, to accept electronic delivery
of any documents that Gallagher may be required to deliver to you (including, but not limited to, insurance policies and
endorsements, account statements and all other agreements, forms and communications) in connection with services provided
by Gallagher. Electronic delivery of a document to you may be made via electronic mail or by other electronic means, including
posting documents to a secure website.
Miscellaneous Terms
Gallagher is engaged to perform services as an independent contractor and not as your employee or agent, and Gallagher
will not be operating in a fiduciary capacity.
Where applicable, insurance coverage placements and other services may require the payment of federal excise taxes,
surplus lines taxes, stamping or other fees to the Internal Revenue Service, various State(s) departments of revenue, state
regulators, boards or associations. In such cases, you will be responsible for the payment of the taxes and/or fees, which
Gallagher will separately identify on related invoices.
The Proposal and these Terms are governed by the laws of the State of Illinois, without regard to its conflict of law rules.
If an arbitrator/court of competent jurisdiction determines that any provision of these Terms is void or unenforceable, that
provision will be severed, and the arbitrator/court will replace it with a valid and enforceable provision that most closely
approximates the original intent, and the remainder of these Terms will remain in effect.
Except to the extent in conflict with a services agreement that you may enter into with Gallagher, these Terms and the
remainder of the Proposal constitute the entire agreement between you and Gallagher with respect to the subject matter of
the Proposal, and supersede all prior negotiations, agreements and understandings as to such matters.
City of Atlantic Beach
16
Compensation Disclosure Schedule
Client Name: City of Atlantic Beach
Coverage(s) Carrier Name(s)
Wholesaler, MGA, Or Intermediary
Name1 Est. Annual Premium2
Gallagher U.S. Owned
Wholesaler, MGA, Or
Intermediary % And/or Fee
Commercial Package Preferred Governmental Insurance Trust N/A $583,343.00 N/A
Workers’ Compensation Preferred Governmental Insurance Trust N/A $123,927.00 N/A
Fiduciary Liability Hudson Insurance Company CRC Group $6,479.00 Not Disclosed
1 We were able to obtain more advantageous terms and conditions for you through an intermediary/ wholesaler.
2 If the premium is shown as an indication: The premium indicated is an estimate provided by the market. The actual premium and acceptance of the coverage requested will be determined by
the market after a thorough review of the completed application.
* A verbal quotation was received from this carrier. We are awaiting a quotation in writing.
Note: When placing business with insurance companies, Gallagher Companies receive commission based on negotiated contractual terms with those carriers. The commission rate is a
percentage of the premium excluding taxes and fees. Major lines of coverage, and their typical range of commissions are listed below. If you wish to receive more details on actual
compensation paid to Gallagher Companies, please contact your Gallagher representative.
Accident & Health: 15-25% Property: 15-22% Package / Business Owners Package: 15-16.8%
Aviation: 14-15% Inland Marine: 20-22.5% Workers Compensation: 8-11%
Contract Bonds: 20-30% Ocean Marine: 15-17.5% All Other Commercial: 10-20%
All Other Bonds/Surety: 30-35% Casualty: 14-15% Executive/Professional Lines: 15-17.5%
Builders Risk: 15-18% Commercial Auto: 12.5-15% Medical Malpractice: 10-12%
Compensation to Gallagher may also be disclosed in a Client Services Agreement or Consulting Services Agreement.
City of Atlantic Beach
17
Client Signature Req uirements
Client Authorization to Bind Coverage
After careful consideration of Gallagher's proposal, we accept the following coverage(s). Please check the desired
coverage(s) and note any coverage amendments below:
Coverage/Carrier
☐ Accept ☐ Reject Commercial Package
Preferred Governmental Insurance Trust
☐ Accept ☐ Reject Increased Coverage Option - $1M Crime Limit (AP $250.00)
☐ Accept ☐ Reject TRIA – Property Only (already included at no AP)
☐ Accept ☐ Reject Workers' Compensation
Preferred Governmental Insurance Trust
☐ Accept ☐ Reject Fiduciary Liability
Hudson Insurance Company
The above coverage(s) does not necessarily represent the entirety of available insurance products. If you are interested in
pursuing additional coverages other than those listed in the Additional Recommended Coverages, please list below:
Exposures and Values
You confirm the payroll, values, schedules, and any other information pertaining to your operations, and submitted to the
underwriters, were compiled from information provided by you. If no updates were provided to Gallagher, the values,
exposures and operations used were based on the expiring policies. You acknowledge it is your responsibility to notify
Gallagher of any material change in your operations or exposures.
Additional Terms and Disclosures
Gallagher is not an expert in all aspects of your business. Gallagher’s Proposals for insurance are based upon the
information concerning your business that was provided to Gallagher by you. Gallagher expects the information you
provide is true, correct and complete in all material respects. Gallagher assumes no responsibility to independently
investigate the risks that may be facing your business, but rather have relied upon the information you provide to
Gallagher in making our insurance Proposals.
Gallagher's liability to you arising from any of Gallagher’s acts or omissions will not exceed $20 million in the aggregate.
The parties each will only be liable for actual damages incurred by the other party, and will not be liable for any indirect,
special, exemplary, consequential, reliance or punitive damages. No claim or cause of action, regardless of form (tort,
contract, statutory, or otherwise), arising out of, relating to or in any way connected with the Proposal, any of Gallagher’s
services or your relationship with Gallagher may be brought by either party any later than two (2) years after the accrual of
the claim or cause of action.
Gallagher has established security controls to protect Client confidential information from unauthorized use or disclosure.
For additional information, please review Gallagher’s Privacy Policy located at https://www.ajg.com/privacy-policy/.
City of Atlantic Beach
18
You have read, understand and agree that the information contained in the Proposal and all documents attached to and
incorporated into the Proposal, is correct and has been disclosed to you prior to authorizing Gallagher to bind coverage
and/or provide services to you. By signing below, or authorizing Gallagher to bind your insurance coverage through email
when allowed, you acknowledge you have reviewed and agree with terms, conditions and disclosures contained in the
Proposal.
By: _______________________________________________________________________
Print Name (Specify Title)
_______________________________________________________________________
Company
_______________________________________________________________________
Signature
Date: _______________________________________________________________________
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 1
Service is the heart of what we do
9/1/2026 4:37:53 PM
City of Atlantic Beach
10/01/2026 to 10/01/2027
Preferred Governmental Insurance Trust
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. - Jacksonville/Yulee
City of Atlantic Beach
PK FL1 0162001 26-26
Public Risk Underwriters of Florida, Inc. is pleased to provide you with the quote for:
City of Atlantic Beach
Please review the quote carefully as, coverage terms and conditions may not encompass all requested coverage
indicated in the application.
As a reminder you do not have any binding authority. Written request to bind must be received prior to the
effective date of coverage or the expiration date of the quote, whichever is earlier. If written request to bind is not
received within the described time frame, the quote is no longer valid, and the file will be closed. Coverage is not
bound without written confirmation from a representative of Public Risk Underwriters of Florida, Inc.
The brief description of coverage contained in this document is being provided as an accommodation only and is
not intended to cover or describe all Coverage Agreement terms. For more complete and detailed information
relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. In the
event of differences, the Coverage Agreement form prevails. Specimen forms are available upon request.
If you have any questions or need further assistance, please feel free to contact us.
THIS PAGE IS FOR INFORMATIONAL PURPOSES ONLY
AND IS NOT PART OF THE QUOTE
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 1
Service is the heart of what we do
Quote Number: PK FL1 0162001 26-26 01
Effective Date: 10/01/2026
Quote Expiration Date: 10/01/2026
QUOTE FOR
City of Atlantic Beach
800 Seminole Road
Atlantic Beach, Florida, 322335545
Presented by Public Risk Underwriters for:
Arthur J. Gallagher Risk Management Services, Inc. - Jacksonville/Yulee
501 Riveside Avenue, Suite 1000, Jacksonville, Florida, 32202
9/1/2026 4:37:54 PM
Insuring Florida’s Future
Founded in 1999, Preferred is a non-assessable insurance risk pool made of and for its members, focusing on the unique needs
of Florida’s public sector. Our robust membership and financial strength stem from a conservative platform of managed risk.
Program administration is provided by Public Risk Underwriters of Florida (PRU).
A key distinguishing feature and advantage of Preferred is the exclusive utilization of independent agents who specialize in public
sector risk throughout the state for distribution.
WHY IS THIS IMPORTANT?
Our members receive local, personalized service and have built-in representation and advocacy to achieve optimal results.
Preferred’s membership is represented by Elected Officials from all segments of Florida’s Public Sector. Our Board of Trustees
understands your needs and works diligently to bring you enhanced programs and services.
Specialized member-oriented claims service is provided by Preferred Governmental Claims Solutions (PGCS). With more than 40
years in claims experience, PGCS is Florida’s foremost governmental third-party administrator. The cornerstones of their claims
administration are communication, quick access, and sound return-to-work policies.
Preferred is a proven structure of strength created to protect Florida’s public sector.
The brief description of coverage contained in this document is provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
060526
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Service is the heart of what we do2
The brief description of coverage contained in this document is provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Service is the heart of what we do
$4,000,000+
in TIPS Grants
50,000+
Completed Training Courses
70%
Risk Management Resource
Center Utilization
DEDICATED LOSS CONTROL
CONSULTANTS PROVIDE:
+ Onsite safety inspections
+ Safety training on hundreds of topics
+ Safety program development, review & evaluation
+ Claims analysis & management
+ Claims reviews and Claims 101’s
+ Disaster preparedness services
VECTOR SOLUTIONS Online training platform with
over 600 training courses on HR/Employment Practices,
OSHA Compliance, Motor Vehicle Safety, etc.
PREFERRED VIRTUAL TRAINING ACADEMY
Virtual training on a wide variety of topics provided by our
Loss Control Consultants and industry experts.
STREAMERY 24/7 mobile streaming from anywhere
with over 700 training topics
PREFERRED TIPS 50/50 matching safety & loss control
grant program up to $5,000.
PREFERRED RISK MANAGEMENT RESOURCE
CENTER FOR MEMBERS WHO PURCHASE THEIR
EPLI COVERAGE FROM PREFERRED:
Cyber Security Resources
+ Breach health check
+ Customizable Incident Response Plan
+ Unlimited Access to Cybersecurity Experts
+ Immediate crisis management & response
+ Digital Forensic, IR Readiness and Data Review services and
consultations available
HR Helpline Services
+ Unlimited access to HR and Employment Law experts
ADA Website Compliance Resources
+ WAVE by WebAIM accessibility evaluation tool
+ Expert guidance on ADA compliance
Our Loss Control & Member Services team
takes a proactive approach designed to
reduce and prevent claims by customizing our
services to your needs at no additional cost.
Service is the heart of what we do3
The brief description of coverage contained in this document is provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Kevin Meehan oversees Trust Services. He is responsible for implementing service initiatives for Preferred
members and agents. He develops and improves educational training programs, member service platforms, and
member safety incentive programs. He is ultimately responsible for increasing member engagement to improve
member loss experience and reduce out of pocket costs.
Pam Hancock leads the Loss Control team. She has been in the insurance industry for more than 25 years and
has worked primarily with governmental entities during her career. She provides safety training, program/policy
development, safety committee oversight, performs claims reviews, trending analysis and inspections. With an
emphasis on education and a deep understanding of the claims process, Pam has become a valuable resource to
Preferred members. Pam is a Certified ADA Coordinator.
Sarah Dodd is a Senior Loss Control Consultant with expertise in ergonomics, health and wellness, and
workplace safety. She has over a decade of experience related to healthcare, insurance and public-sector
organizations. Sarah brings a human-centered approach to risk mitigation and injury prevention and has
master’s degrees in sport and exercise science and safety management and the GSP, CHSP and CPSI credentials.
Sarah has advised executive leaders on OSHA compliance, workplace violence prevention, emergency
preparedness and system-wide safety initiatives. She is known for translating complex risk challenges into
practical, people-first solutions that strengthen organizational resilience. Sarah is a member of the American
Society of Safety Professionals (ASSP).
Michelle Fraleigh As a Senior Loss Control Consultant for the Panhandle and Central Florida region, Michelle
brings a wealth of insurance and risk management experience, people skills and professional knowledge to the
table. She’s a seasoned risk management and safety professional with over 15 years of experience in public sector
agencies and regulatory bodies. Most recently, Michelle served as Risk Manager for Nassau County, where she
oversaw enterprise risk strategies, safety compliance and insurance administration for one of the fastest growing
counties in FL. She holds a master’s degree in executive leadership with a focus on Organizational Behavior and
has a proven track record in designing and implementing risk mitigation and safety management programs.
Michelle is known for her strategic approach, expertise in policy development, and commitment to protecting
organizational assets and public well-being. She serves the Panhandle/Central Region members in Florida.
Lauren Quinto As a Preferred Loss Control Consultant, Lauren works directly with members to identify exposures,
provide recommendations, and support the development of safety and risk management programs. She also acts
as a liaison between members, underwriting, claims, and risk teams. Lauren serves Southwest Florida Region
members in counties including Charlotte, Citrus, Collier, DeSoto, Glades, Hardee, Hendry, Hernando, Highlands,
Hillsborough, Manatee, Lee, Okeechobee, Pasco, Pinellas, Polk and Sarasota. Lauren holds a Bachelor of Science
degree in Business Administration and is an active member of the Tampa Bay PRIMA chapter.
Mike Stephens has been involved with Loss Control and Member Services since 2004. Mike has completed the
OSHA 501 Trainer Course in Occupational Safety and Health Standards (General Industry) and has attained
certification as a Safety Auditor. Mike’s safety awareness and dedication to customer service are what make him
an essential part of the Member Services and Loss Control team. Mike is the resources and services coordinator
and support specialist for all Preferred members.
Your Member Services & Loss Control Team
Service is the heart of what we do4
The brief description of coverage contained in this document is provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Personalized Top-Tier Claims Service
PGCS Leadership Team
450
Government Entities Served
by PGCS
12
Average Years of Teammate
Tenure at PGCS
24/7
Claims Service
20
Average Years of Teammate
Industry Experience
3
Decades of Claims Service
Cheryl Riley, Director of WC Claims is responsible for the overall direction and leadership of the PGCS
workers’ compensation claims unit. While at PGCS, Cheryl has steadily promoted and held the positions
of Account Manager, Quality Assurance Manager and Workers’ Compensation Claims Manager prior to her
current position of Director of Workers’ Compensation Claims. Cheryl’s dedication to customer-centric
solutions and focus on building strong ‘partner’ relationships has been successful for PGCS and its
customers. Cheryl holds a Florida All Lines license, and has earned the designation of a Board Certified
Workers’ Compensation Litigation Claims Specialist.
Stacy Hargrove, Vice President of Liability Claims is responsible for the daily operations of the Liability
Claims Department at PGCS. Stacy Hargrove has more than 33 years of experience handling all types of
liability claims and subrogation matters. She has held various positions within the claims industry and has
proactively handled a variety of liability claim types including auto accident, slip and fall, premises liability,
employer liability, and subrogation recovery; all with client accolades for excellent customer service and
knowledge. Stacy has extensive litigation management experience and works directly with defense counsel
in defending litigated claims. She has also monitored several trials and has been successful in partnering
with her legal team to achieve favorable defense verdicts as well as other positive resolutions. Stacy has a
wealth of knowledge in the liability arena and is an integral and valued member of the PGCS team.
Service is the heart of what we do5
The brief description of coverage contained in this document is provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Innovative Solutions. Accurate Valuations.
You receive exclusive access to the AMP platform, which offers an
innovative approach for property tracking and valuation management. AMP
provides dynamic reporting capabilities and features an intuitive design,
which allows your team to get up and running in minutes. Vital property
information is maintained in AMP, including a change history for each asset.
Up-to-date property valuations and information are automatically imported
into AMP and our experienced team offers personalized training to optimize
your use of the system and reporting tools.
In partnership with Centurisk, Preferred provides property appraisals
for all property locations at no cost to our members. The field
appraisals provide critical information on primary and secondary building
characteristics, flood zones, and valuations. Field appraisals are conducted
by Centurisk on a rolling five-year schedule, trending reports are available
in the interim upon request. Once the appraisal is completed, members
then have the choice to insure at appraised values to maintain blanket
coverage. If a Member chooses to underinsure the property, the coverage
agreement will be endorsed to “stated value”.
Service is the heart of what we do6
The brief description of coverage contained in this document is provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Disaster Preparedness and Response
Preferred Priority is with you every step of the way
Preferred Priority is an enhanced disaster recovery service designed for Preferred members to streamline the disaster
recovery process. This customized service starts with preparedness. Our loss control consultants work with members
to develop and implement a customized disaster recovery plan that will stand up to the worst of disasters. In advance
of a storm, resources like temporary buildings, generators and dry out equipment are deployed to member locations.
Members have priority status during a disaster and have access to a 24/7 Emergency Response Center, immediate
onsite evaluations of property, complete build and restoration services, FEMA closeout packets and direct payments to
vendors. When disaster strikes Preferred Priority is there for you.
When a named storm is approaching, our field adjusters from Engle Martin are staged
nearby with all contact and policy information for each member so that they can
provide damage inspections immediately after a storm. Engle Martin uses cutting
edge drone technology to identify damage mitigation opportunities that you may not
have known existed. The EM adjusters also have access to prior appraisals and COPE
data, which helps streamline and expedite the claims process. This real time response
enables us to get advance claim payments in your hands within days.
To finalize your claim, we provide a claim resolution packet, which includes all documentation to support your claim in addition
to FEMA closeout assistance.
Preferred Priority is a member-centric emergency response partnership with BluSky
Restoration, ensuring each member receives top-priority service without delays.
This partnership is designed to provide immediate access to essential resources
and expertise in times of crisis. BluSky Restoration’s dedicated team is ready
24/7, including holidays and weekends, to deliver rapid and effective mitigation
and property restoration services. Our agreement guarantees that every member
benefits from a seamless, efficient response, helping them quickly return to normal
operations with minimal disruption.
Service is the heart of what we do7
The brief description of coverage contained in this document is provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Liability Defense Panel
ACOSTA
301 Almeria Avenue, 1st Floor
Coral Gables, FL 33134
(305) 858-8880
www.acostalaw.org
ROPER, TOWNSEND, SUTPHEN
2707 E. Jefferson Street
Orlando, FL 32803
(407) 897-5150
www.roperpa.com
BRIONEZ & BRIONEZ, P.A.
322 W. Burleigh Blvd
Tavares, FL 32778
(352) 432-4044
www.bblawfl.com
CARR ALLISON
305 S. Gadsden St.
Tallahassee, FL 32301
(850) 222-2107
208 N. Laura Street
Suite 1100
Jacksonville, FL 32202
(904) 328-6456
www.carrallison.com
KELLEY KRONENBERG
(AL GL only)
1475 Centrepark Blvd,
Suite 275
West Palm Beach, FL 33401
(561) 684-5956
Tampa Jacksonville/ Fort
Lauderdale Locations
www.kelleykronenberg.com
QUINTAIROS, PRIETO, WOOD &
BOYER, P.A.
4190 Belfort Rd, Suite 450
Jacksonville, FL 32216
Trinity, FL 34655
(904) 354-5500
www.qpwblaw.com
ROBERTS, REYNOLDS, BEDARD
& TUZZIO, P.A.
470 Columbia Drive
West Palm Beach, FL 33409
(561) 688-6560
www.rrbpa.com
5237 Summerlin Commons Blvd.
Ft. Myers, FL 33907
(239) 275-2268
www.rrbpa.com
RUMBERGER KIRK
101 N. Monroe Street,
Suite 120
Tallahassee, FL 32301
(850) 222-6550
www.rumberger.com
300 S. Orange Avenue
Suite 1400
Orlando, FL 32801
(407) 872-7300
www.rumberger.com
LLOPIZ WIZEL
1451 W Cypress Creek Rd
Suite 300
Fort Lauderdale, FL 33309
(754) 312-7389
www.l-wfirm.com
UNICE, SALZMAN & JENSEN, P.A.
1815 Little Road
Trinity, FL 34655
(727) 723-3772
www.unicesalzman.com
WARNER LAW FIRM, P.A.
501 W 11th St.
Panama City, FL 32401
(850) 784-7772
timwarner@warnerlaw.us
WALTON, LANTAFF, SCHROEDER
& CARSON LLP
931 Village Blvd, Suite 905
West Palm Beach, FL 33401
(561) 689-6700
www.waltonlantaff.com
WEISS, SEROTA, HELFMAN,
COLE & BIERMAN
(By request only)
2525 Ponce De Leon Blvd,
Suite 700
Coral Gables, FL 33134
(305) 854-0800
www.wsh-law.com
Service is the heart of what we do8
The brief description of coverage contained in this document is provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Workers’ Compensation Defense Panel
BARBAS, NUNEZ, SANDERS,
BUTLER & HOVSEPIAN
1802 W. Cleveland Street
Tampa, Florida 33606
(813) 279-2686
www.barbaslaw.com
ROPER, TOWNSEND, SUTPHEN
2707 E. Jefferson Street
Orlando, FL 32803
(407) 897-5150
www.roperpa.com
CHARTWELL LAW OFFICES, LLP
2984 Wellington Circle
Tallahassee, FL 32309
(850) 668-7900
833 Highland Avenue, Suite 202
Orlando, FL 32803
(407) 203-3600
www.chartwelllaw.com
COLE, STONE & STOUDEMIRE, P.A.
201 North Hogan Street #400
Jacksonville, FL 32202
(904) 352-9664
HERNANDEZ, HICKS & VALOIS
5800 N. Andrews Avenue
Ft. Lauderdale, Florida 33309
(954) 938-1920
dhernandez@hhdefense.com
KELLEY KRONENBERG
10245 Centurion Pkwy N. Suite 300
Jacksonville, FL 32256
(904) 549-7700
www.kellevkronenberg.com
PUBLIC ENTITY LEGAL
SOLUTIONS
P.O. Box 958464
Lake Mary, FL 32795
(321) 832-1400
ghelm@pelsusa.com
www.bha-law.com
WALTON, LANTAFF, SCHROEDER
& CARSON LLP
931 Village Blvd, Suite 905
West Palm Beach, FL 33401
(561) 689-6700
www.waltonlantaff.com
Service is the heart of what we do9
The brief description of coverage contained in this document is provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Coverage Advantages
+ $100,000 of Non-Monetary coverage for Injunctive Relief, EEOC, Public Records
and Inverse Condemnation allegations.
+ Professional Liability offered on either claims made or occurrence form.
+ Cyber Liability limits up to $2,000,000 for both 1st and 3rd party claims.
+ Available Limits up to $10,000,000 on all liability lines.
+ Public Officials and Employment Practices liability with no aggregate limit.
+ Defense costs are outside of the limit of liability, deductible does not
apply to defense.
+ Deadly Weapon protection coverage free of charge. Crisis Response provided
by CrisisRisk, a leading national response firm.
+ Unmanned Aircraft (Drone) Liability coverage of $500,000.
+ SUPERIOR WINDSTORM
COVERAGE: While other risk
pools exclude wharves, piers,
docks, signs, antennas, and
communication towers, our
program provides wind coverage
for these scheduled locations.
+ PREFERRED PROPERTY
PROGRAM is a shared limit.
The amount of limit purchased
is determined annually. In
responding to numerous
windstorm events for more
than 20 years, Preferred’s losses
have never exceeded the shared
limit purchased.
+ Most competitive
windstorm deductibles in
the state.
+ No wind exclusions for
locations near the coast.
+ No additional premium
charged for a single
location or total site
locations acquired or newly
constructed during the
year with values less than
$15,000,000.
+ Property in the open (PITO)
coverage is provided up
to 1,000 feet of an existing
location with no valuation
restrictions.
+ Blanket Inland Marine
Coverage for individual
equipment valued less
than $25,000.
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 1
Service is the heart of what we do
4/7/2025 3:50:00 PM
Named Covered Party: City of Atlantic Beach
Term: 10/01/2026 to 10/01/2027
Coverage Provided by: Preferred Governmental Insurance Trust
Quote Number: PK FL1 0162001 26-26 01
Compensation Disclosure
We appreciate the opportunity to assist with your insurance needs. Information concerning compensation paid to other
entities for this placement and related services appears below. Please do not hesitate to contact us if any additional
information is required.
PRU is owned by Brown & Brown, Inc. Brown & Brown entities operate independently and are not required to utilize
other companies owned by Brown & Brown, Inc., but routinely do so.
For the Coverage Term referenced above, your insurance was placed through Preferred Governmental Insurance
Trust (Preferred). Preferred is an independent entity formed by Florida public entities through an Interlocal Agreement
for the purpose of providing its members with an array of insurance coverages and services. Preferred has contracted
with entities owned by Brown & Brown, Inc. to perform various services. As explained below, those Brown & Brown
entities are compensated for their services.
Preferred has contracted with Public Risk Underwriters of Florida Inc. (PRU), a company owned by Brown & Brown,
Inc., to administer Preferred’s operations. The administrative services provided by PRU to Preferred include:
Underwriting / Coverage review / Marketing / Policy Review / Accounting / Issuance of Preferred Coverage
Agreements / Preferred Member Liaison / Risk Assessment and Control
Pursuant to its contract with Preferred, Public Risk Underwriters of Florida Inc. (PRU) receives an administration fee,
based on the size and complexity of the account, of up to 9.75% of the Preferred premiums billed and collected.
Preferred also utilizes wholesale insurance brokers, some of which (such as Peachtree Special Risk Brokers and
Apex Insurance Services) are owned by Brown & Brown, Inc., for the placement of Preferred’s insurance policies. The
wholesale insurance broker may provide the following services to Preferred:
· Risk Placement
· Coverage review
· Claims Liaison with Insurance Company
· Policy Review
· Current Market Intelligence
The wholesale insurance broker’s compensation is largely dictated by the insurance company. It typically ranges
between 5% and 10% of the premiums you pay to Preferred for your coverage.
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 1
Service is the heart of what we do
9/1/2026 4:37:58 PM
Named Covered Party: City of Atlantic Beach
Term: 10/01/2026 to 10/01/2027
Coverage Provided by: Preferred Governmental Insurance Trust
Quote Number: PK FL1 0162001 26-26 01
Property Coverage
Coverage Description Limit Deductible
Blanket Value Building & Contents Limit,
per attached schedule
$57,056,694 $10,000 Per Occurrence - All other perils
5% Per Occurrence - Named Storm, subject to minimum
of $35,000
Boiler & Machinery $57,056,694 $10,000 Per Occurrence
Schedule of Sublimits- These limits do not increase any other applicable limit of liability.
Coverage Description Limit Deductible
Flood Limit – Per Occurrence
Excess of NFIP, whether purchased or not
$3,000,000 $10,000 Per Flood, except zones A,V excess of NFIP
whether purchased or not
Earth Movement Limit – Per Occurrence $5,000,000 $10,000 Per Occurrence
Terrorism (Includes Inland Marine if applicable)$5,000,000 $10,000 Per Occurrence
Extensions of Coverage- These limits do not increase any other applicable limit of liability. Deductible per terms of the Coverage Agreement.
Coverage Description Limit
Accounts Receivable $1,000,000
Additional Expense $1,000,000
Animals (annual aggregate limit)$40,000
Business Income $1,000,000
Buildings Under Construction If shown on Property Schedule
Debris Removal- limit shown or 25% of loss, whichever is greater, per occ $500,000 or 25% of loss, whichever
is greater, per occurrence
Demolition, Ordinance, and ICC $1,000,000
Duty to Defend Included
Errors and Omissions $500,000
Expediting Expense $250,000
Fire Department Charges $50,000
Fungus Cleanup Expense (annual aggregate limit)$250,000
Lawns, Plants, Trees and Shrubs $50,000
Leasehold Interest $0
New Locations $4,000,000
Personal Property of Employees $250,000
Pollution Cleanup Expense (annual aggregate limit)$250,000
Preservation of Property $500,000
Professional Fees $50,000
Property at Miscellaneous Unnamed Locations $250,000
Recertification $25,000
Service Interruption Coverage $250,000
Transit $500,000
Vehicle Property Coverage N/A
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 2
Service is the heart of what we do
9/1/2026 4:37:58 PM
Named Covered Party: City of Atlantic Beach
Term: 10/01/2026 to 10/01/2027
Coverage Provided by: Preferred Governmental Insurance Trust
Quote Number: PK FL1 0162001 26-26 01
Golf Course Tees to Greens $1,000,000
Track and FIelds $1,000,000
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 3
Service is the heart of what we do
9/1/2026 4:37:58 PM
Named Covered Party: City of Atlantic Beach
Term: 10/01/2026 to 10/01/2027
Coverage Provided by: Preferred Governmental Insurance Trust
Quote Number: PK FL1 0162001 26-26 01
Inland Marine Coverage
Coverage Description Limit Deductible
Blanket Unscheduled Inland Marine (subject to
$25,000 any one item, excludes Watercraft)
$1,000,000 Per attached schedule
Scheduled Inland Marine $2,782,251 Per attached schedule
Total All Inland Marine $3,782,251 Per attached schedule
Crime Coverage
Coverage Description Limit Deductible
Forgery and Alteration $500,000 $1,000
Theft, Disappearance or Destruction $500,000 $1,000
Computer Fraud including Funds Transfer Fraud $500,000 $1,000
Employee Dishonesty, Including faithful
performance, per loss
$500,000 $1,000
Deadly Weapon Protection (Claims Made)
Coverage Description Limit Deductible
Third Party Liability Coverage
Crisis Management Services
Counseling Services
Funeral Expenses
$1,000,000
Included
$250,000 sublimit
$250,000 sublimit
$0
Retro Date: 10/01/2019
Coverage Highlights: Broad definition of Deadly Weapon Event, 24 hour Crisis Response Team Services
Claims expenses are inside the limit of liability. Automatic Extended Reporting Period is 90 days.
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 4
Service is the heart of what we do
9/1/2026 4:37:58 PM
Named Covered Party: City of Atlantic Beach
Term: 10/01/2026 to 10/01/2027
Coverage Provided by: Preferred Governmental Insurance Trust
Quote Number: PK FL1 0162001 26-26 01
Public Officials Liability Coverage (Claims Made)
Public Officials Liability Limit Deductible Retroactive Date
$2,000,000 per claim
Aggregate Limit: N/A
$10,000
Total Payroll: $11,910,027
Supplementary Payments: Pre-termination $2,500 per employee/ $5,000 annual aggregate
Non Monetary: $100,000 Aggregate
Employment Practices Liability Coverage (Claims Made)
Employment Practices Liability Limit Deductible Retroactive Date
$2,000,000 per claim
Aggregate Limit: N/A
$10,000
#FT emp: 129 # PT Emp: 58 #Volunteers: 13
Cyber Liability (Claims Made)
Coverage Description Limit Deductible
Policy Limit $2,000,000 annual agg Applies per below
Third Party Liability Coverage:
•Privacy & Security Liability
•Media Content Services Liability
•PCI DSS
$2,000,000 each claim
$2,000,000 each claim
$1,000,000 sublimit
$25,000
$25,000
$25,000
First Party Liability Coverage:
•Cyber Extortion & Ransomware
•Data Breach & Crisis Management
•Data Recovery
•Business Interruption/ Extra Expense
•Cyber Crime
•Utility Fraud
•Bricking Coverage
•System Failure- BI/EE
•Dependent Business Interruption
o BI/EE
o System Failure
$1,250,000 each claim
$2,000,000 each claim
$2,000,000 each claim
$2,000,000 each claim
$500,000 Agg - see form for sublimits
$500,000 Agg - see form for sublimits
$1,000,000 sublimit
$2,000,000 sublimit
$2,000,000 sublimit
Included in above sublimit
$2,000,000 sublimit
$25,000
$25,000
$25,000
$25,000 /Waiting Period:12 Hrs
$25,000
$25,000
$25,000
$25,000 /Waiting Period:12 Hrs
$25,000 /Waiting Period:12 Hrs
$25,000 /Waiting Period:12 Hrs
$25,000 /Waiting Period:12 Hrs
Retroactive date: 10/01/2011
Voluntary Notification endorsement is included, see coverage form for all limits and sublimits.
Defense Costs are inside the limit of liability.
Extended Reporting Periods POL/EPLI/Cyber (only applicable for claims made)
If the Trust terminates or does not renew this Coverage Agreement (other than for failure to pay a premium when due), or if the Public Entity
terminates or does not renew this Coverage Agreement and does not obtain replacement coverage as of the effective date of such cancellation
or non-renewal, the Public Entity shall have the right, upon payment of the additional premium described below, to a continuation of the
coverage granted by this Coverage Agreement for at least one Extended Reporting Period as follows:
A. Automatic Extended Reporting Period - 60 days per PGIT MN 500 & PGIT MN 700 (Cyber form)
B. Optional Extended Reporting Period - 12 months at additional premium per PGIT MN 500 & PGIT MN 700 (Cyber Form)
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 5
Service is the heart of what we do
9/1/2026 4:37:58 PM
Named Covered Party: City of Atlantic Beach
Term: 10/01/2026 to 10/01/2027
Coverage Provided by: Preferred Governmental Insurance Trust
Quote Number: PK FL1 0162001 26-26 01
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 6
Service is the heart of what we do
9/1/2026 4:37:58 PM
Named Covered Party: City of Atlantic Beach
Term: 10/01/2026 to 10/01/2027
Coverage Provided by: Preferred Governmental Insurance Trust
Quote Number: PK FL1 0162001 26-26 01
General Liability Coverage (Occurrence Form)
Coverage Description Limit
Bodily Injury and Property Damage Limit $2,000,000
Personal and Advertising Injury Included
Products & Completed Operations Limit Included
Employee Benefits Liability Limit, per person $2,000,000
Herbicide & Pesticide Aggregate Limit $1,000,000
Medical Payments Limit N/A
Fire Damage Included
Sewer Backup Damage Limit $10,000 per affected property; subject to $200,000
aggregate
PGIT MN-203 Part B Limit
(Bert Harris, Inverse Condemnation, Takings claims; See
Form for specifics)
$300,000
General Liability Deductible:$10,000
Rating Basis
Ratable Payroll:$8,477,162
Unmanned Aircraft
Coverage is limited, see specimen form for policy details
Coverage Description Limit Deductible
Unmanned Aircraft N/A
N/A
Law Enforcement Liability Coverage (Occurrence Form)
Coverage Description Limit Deductible
Law Enforcement Liability $2,000,000 Per Person
$2,000,000 Per Occurrence
$10,000
Rating Basis
Full Time Officers: 30 Part Time Officers: 1 Vol Officers:
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 7
Service is the heart of what we do
9/1/2026 4:37:58 PM
Named Covered Party: City of Atlantic Beach
Term: 10/01/2026 to 10/01/2027
Coverage Provided by: Preferred Governmental Insurance Trust
Quote Number: PK FL1 0162001 26-26 01
Excess Workers’ Compensation Coverage
Coverage Description Limit
Self Insured Retention: N/A
Part I Workers’ Compensation Limit:N/A
Part II Employers Liability Limit:
Bodily Injury By Accident
Bodily Injury By Disease
Bodily Injury By Disease
N/A
N/A
N/A
Estimated Payroll- Police & Fire
Estimated Payroll- All other Employees
N/A
N/A
Stop Loss Aggregate
Stop Loss Aggregate Limit:
Applies to: (X)
( )Property () General Liability ()Public Officials Liability
( ) Windstorm/ Hailstorm () Law Enforcement Liability () Employment Practices Liability
( ) Flood () Auto Liability () Excess Workers Compensation
( ) Inland Marine ( ) Auto Physical Damage ( ) Workers Compensation
( ) Crime ( ) Garagekeepers
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 8
Service is the heart of what we do
9/1/2026 4:37:58 PM
Named Covered Party: City of Atlantic Beach
Term: 10/01/2026 to 10/01/2027
Coverage Provided by: Preferred Governmental Insurance Trust
Quote Number: PK FL1 0162001 26-26 01
Symbol 10 comp & collision: N/A
Symbol 10 liability: N/A
Automobile Coverage
Coverage Symbol Limit Deductible
Liability 1 $2,000,000 $0
Personal Injury Protection 5 Statutory $0
Added PIP N/A Not Included N/A
Auto Medical Payments N/A N/A N/A
Uninsured/ Underinsured
Motorist
N/A N/A N/A
Physical Damage
Comprehensive Coverage
2, 8 Actual cash value or cost of repair, whichever is less,
minus deductible.
Hired Comprehensive limit: $35,000
Per attached schedule
Hired deductible:
$1,000
Physical Damage Collision
Coverage
2, 8 Actual cash value or cost of repair, whichever is less,
minus deductible.
Hired Collision limit: $35,000
Per attached schedule
Hired deductible:
$1,000
Garagekeepers
Comprehensive Coverage
N/A Actual cash value or cost of repair, whichever is less,
minus deductible, for each covered auto per attached
locations schedule, but no deductible applies to loss
caused by fire or lightning.
N/A
Garagekeepers Collision
Coverage
N/A Actual cash value or cost of repair, whichever is less,
minus deductible, for each covered auto per attached
locations schedule.
N/A
Automobile Symbols
1 Any “Auto”
2 Owned “Autos” only
3 Owned private passenger “Autos” only
4 Owned “Autos” other than private passenger “Autos” only
5 Owned “Autos” subject to No-Fault
6 Owned “Autos” subject to a Compulsory Uninsured Motorist Law
7 Scheduled “Autos” only
8 Hired “Autos” only
9 Non-owned “Autos” only
30 “Autos” left with you for service, repair, storage, or safekeeping.
* These are abbreviated descriptions. A full description of symbols is included in the coverage agreements
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 9
Service is the heart of what we do
9/1/2026 4:37:58 PM
Named Covered Party: City of Atlantic Beach
Term: 10/01/2026 to 10/01/2027
Coverage Provided by: Preferred Governmental Insurance Trust
Quote Number: PK FL1 0162001 26-26 01
Total Premium Due
$582,093
Pay Term: Annual
QUOTATION TERMS & CONDITIONS INCLUDING BUT NOT LIMITED TO:
1. Please review the quote carefully, as coverage terms and conditions may not encompass all requested coverages
indicated on the application.
2. The Coverage Agreement shall be 25% minimum earned as of the first day of the “Coverage Period”.
3. Premium is late if not paid within 30 days of due date, unless otherwise stated.
4. Deletion of any line of coverage presented, Package and/or Workers Compensation, may result in re-pricing of
account.
5. The Preferred Property program is a shared limit. The limits purchased are a per occurrence limit and in the event
an occurrence exhausts the limit purchased by Preferred on behalf of the members, payment to you for a covered
loss will be reduced pro-rata based on the amounts of covered loss by all members affected by the occurrence.
6. Coverage is not bound until confirmation is received from an authorized representative of Public Risk Underwriters.
IMPORTANT NOTE
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 10
Service is the heart of what we do
9/1/2026 4:37:58 PM
Named Covered Party: City of Atlantic Beach
Term: 10/01/2026 to 10/01/2027
Coverage Provided by: Preferred Governmental Insurance Trust
Quote Number: PK FL1 0162001 26-26 01
ADDITIONAL TERMS & CONDITIONS
Initialed and signed Preferred Application within 30 days of effective date of coverage
Initialed and signed POL/EPLI application within 30 days of effective date of coverage
Receipt of signed Signature Page form within 30 days of effective date of coverage
Receipt of signed UM form within 30 days of effective date of coverage
Receipt of signed Participation agreement within 30 days of effective date of coverage
Please note: Our Interlocal Agreement has been updated.
Due to this update, we will require a new signed Participation Agreement for each renewal account.
This form requires all Printed and Signature lines completed for the entity and the witness portions.
We do only need one signed copy of the Participation Agreement.
During the proposed Coverage Agreement period, we will not charge additional premium for a single location or total site locations
acquired or newly constructed during the year with values less than $15,000,000
If the newly added location was owned or acquired prior to the inception date of the Coverage Agreement then additional annual
premium will be invoiced by endorsement.
Inland Marine Named Storm Deductible: 5% per Occurrence per Covered Equipment/Item subject to $35,000 minimum per
Occurrence. For any Blanket coverage listed on the applicable Inland Marine Schedule, the Deductible shall be calculated based upon
the total Insured Value, not on the per item value. For individually scheduled inland marine items, the deductible is calculated based upon
the scheduled value of the item.
Exclusionary Wording for Property - Property excluded on the expiring coverage agreement endorsement
#001, will remain excluded and an endorsement to memorialize that exclusion will be included on the coverage
agreement.
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 11
Service is the heart of what we do
9/1/2026 4:37:58 PM
Named Covered Party: City of Atlantic Beach
Term: 10/01/2026 to 10/01/2027
Coverage Provided by: Preferred Governmental Insurance Trust
Quote Number: PK FL1 0162001 26-26 01
PREMIUM BREAKDOWN
Property $283,289
Inland Marine $4,869
Crime $1,000
General Liability (Includes Drone coverage if applicable)$38,395
Law Enforcement Liability $29,899
Public Officials and Employment Practices Liability $99,068
Cyber $7,032
Automobile Liability $86,053
Automobile Physical Damage $32,488
Garage Keepers N/A
Excess Workers Compensation N/A
Stop Loss Aggregate N/A
Deadly Weapon $0
Grand Total $582,093
Commission 0.00%
Payment Terms Annual
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 1
Service is the heart of what we do
09/01/26 4:37:53 PM
City of Atlantic Beach
10/01/2026 to 10/01/2027
Preferred Governmental Insurance Trust
PK FL1 0162001 26-26 01
YOU ARE ELECTING NOT TO PURCHASE CERTAIN VALUABLE COVERAGE WHICH PROTECTS YOU
AND YOUR FAMILY OR YOU ARE PURCHASING UNINSURED MOTORISTS LIMITS LESS THAN YOUR
BODILY INJURY LIABILITY LIMITS WHEN YOU SIGN THIS FORM. PLEASE READ CAREFULLY.
Uninsured Motorist coverage provides for payment of certain benefits for damages caused by owners or operators of uninsured motor
vehicles because of bodily injury or death resulting there from. Such benefits may include payments for certain medical expenses, lost
wages, and pain and suffering, subject to limitations and conditions contained in the Coverage Agreement. For the purpose of this
coverage, an uninsured motor vehicle may include a motor vehicle as to which the bodily injury limits are less than your damages.
Florida law requires that automobile liability coverage agreements include Uninsured Motorist coverage at limits equal to the Bodily Injury
limits in your coverage agreement unless you select a lower limit offered by the Trust or reject Uninsured Motorist entirely. Please indicate
whether you desire to entirely reject Uninsured Motorist coverage, or, whether you desire this coverage at limits lower than the Bodily
Injury Liability limits of your Coverage Agreement:
a. I hereby reject Uninsured Motorist coverage.
b. I hereby select the following Uninsured Motorist limits which are lower than my Bodily Injury Liability Limits:
each person (enter limit if applicable):
each accident.
c. I hereby select Uninsured Motorist coverage limits equal to my Bodily Injury Liability limits. (If you select this option
disregard the bold face statement above.)
ELECTION OF NON-STACKED COVERAGE
(Do not complete if you have rejected Uninsured Motorist)
You have the option to purchase, at a reduced rate, non-stacked (limited) type of Uninsured Motorists coverage. Under this form if injury
occurs in a vehicle owned or leased by you or any family member who resides with you, this Coverage Agreement will apply only to the
extent of coverage (if any) which applies to that vehicle in this Coverage Agreement. If an injury occurs while occupying someone else's
vehicle, or you are struck as a pedestrian, you are entitled to select the highest limits of Uninsured Motorist coverage available on any one
vehicle for which you are a Named Covered Party, covered family member, or covered resident of the Named Covered Party's household.
This Coverage Agreement will not apply if you select the coverage available under any other Coverage Agreement issued to you or the
Coverage Agreement of any other family member who resides with you.
If you do not elect to purchase the non-stacked form, your Coverage Agreement limit(s) for each motor vehicle are added together
(stacked) for all covered injuries. Thus, your Coverage Agreement limits would automatically change during the Coverage Agreement term
if you increase or decrease the number of autos covered under the Coverage Agreement.
I hereby elect the non-stacked form of Uninsured Motorist coverage.
I understand and agree that selection of any of the above options applies to my liability Coverage Agreement and future renewals or
replacements of such Coverage Agreement which are issued at the same Bodily Injury Liability limits. If I decide to select another option at
some future time, I must let the Trust or my agent know in writing.
Signature Title
Name Date
X
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 1
Service is the heart of what we do
09/01/26 4:37:53 PM
City of Atlantic Beach
10/01/2026 to 10/01/2027
Provided by: Preferred Governmental Insurance Trust
PK FL1 0162001 26-26 01
Signature Page
I hereby confirm that the limits/coverages as shown here, corresponding with the Coverage Agreement, are
correct:
X Property
TIV: $57,056,694 Building and Contents Combined
X Inland Marine
Blanket Unscheduled IM: $1,000,000
Scheduled Inland Marine: $2,782,251
Total All Inland Marine: $3,782,251
X Property TRIA (Terrorism Risk Insurance Act) coverage
X Crime
X General Liability
Ratable Payroll: $8,477,162
X Law Enforcement Liability
Officers: 31
X Professional Liability
Employees: 200
X Automobile 130 Units - Auto Liability
130 Units - Comprehensive
130 Units – Collision
N/A Stop Loss Aggregate:
Applies to:
Not Included
N/A Excess Workers’ Compensation
Payroll: Not Included
N/A I confirm that I have received a copy of Preferred’s Current Interlocal Agreement (last amended
October 1, 2004) and Amendment A (effective October 1, 2013).
N/A I confirm having read and agreed to the terms as laid out in the attached Preferred Participation
Agreement (which also requires a signature).
A signed copy of the following is also required where applicable: First Page of Preferred Application; Professional
Liability Application; Uninsured Motorist Rejection/Election Form; SIR Signature Page.
Signature Title
Name Date
Coverage is provided by Preferred Governmental Insurance Trust
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 1
Service is the heart of what we do
9/1/2026 4:38:03 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
PROPERTY SCHEDULE
Loc
#
Description Address Const Type Eff.
Date
Term. Date Building
Value
Contents
value
001 City Hall 800 Seminole Road,
Atlantic Beach, FL 32233
119 - JM 10/01/2026 10/01/2027 $1,695,800 $469,800
002 Adele Grage
Comm Center
716 Ocean Blvd., Atlantic
Beach, FL 32233
101 - Frame 10/01/2026 10/01/2027 $675,400 $83,100
003 Police & Fire Dept 850 Seminole Road,
Atlantic Beach, FL 32233
119 - JM 10/01/2026 10/01/2027 $10,700,000 $1,000,000
004 Lab & Office 1100 Sandpiper Lane,
Atlantic Beach, FL 32233
119 - JM 10/01/2026 10/01/2027 $123,900 $126,700
005 Polymer Building 1100 Sandpiper Lane,
Atlantic Beach, FL 32233
119 - JM 10/01/2026 10/01/2027 $128,200 $0
006 Chemical Feed
Building
1100 Sandpiper Lane,
Atlantic Beach, FL 32233
119 - JM 10/01/2026 10/01/2027 $172,400 $0
007 Influent 1100 Sandpiper Lane,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $416,000 $0
008 Generator
800kc/Fuel Tank
3,000Gal #3
1100 Sandpiper Lane,
Atlantic Beach, FL 32233
244 -
Mechanical
Equipment
10/01/2026 10/01/2027 $176,800 $0
009 Maint / Public
Works
1200 Sandpiper Lane,
Atlantic Beach, FL 32233
152 - NC 10/01/2026 10/01/2027 $1,930,723 $503,800
010 New Aeration Tank
1&2
1100 Sandpiper Lane,
Atlantic Beach, FL 32233
223 - On
Ground
Liquid
Storage
Tank
10/01/2026 10/01/2027 $1,215,300 $0
011 New Aeration Tank
3&4
1100 Sandpiper Lane,
Atlantic Beach, FL 32233
223 - On
Ground
Liquid
Storage
Tank
10/01/2026 10/01/2027 $1,215,300 $0
012 Secondary Clarifier
#1
1100 Sandpiper Lane,
Atlantic Beach, FL 32233
223 - On
Ground
Liquid
Storage
Tank
10/01/2026 10/01/2027 $766,100 $0
013 Secondary Clarifier
#2
1100 Sandpiper Lane,
Atlantic Beach, FL 32233
223 - On
Ground
Liquid
Storage
Tank
10/01/2026 10/01/2027 $766,100 $0
014 Blower Building #3 1100 Sandpiper Lane,
Atlantic Beach, FL 32233
131 - FR 10/01/2026 10/01/2027 $1,502,700 $0
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 2
Service is the heart of what we do
9/1/2026 4:38:03 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Loc
#
Description Address Const Type Eff.
Date
Term. Date Building
Value
Contents
value
015 Digester Structure 1100 Sandpiper Lane,
Atlantic Beach, FL 32233
223 - On
Ground
Liquid
Storage
Tank
10/01/2026 10/01/2027 $1,646,900 $0
016 Water Treat Plant
#1 Office
469 11th Street, Atlantic
Beach, FL 32233
111 - MNC 10/01/2026 10/01/2027 $1,235,700 $0
017 WTP Storage Bldg 469 11th Street, Atlantic
Beach, FL 32233
119 - JM 10/01/2026 10/01/2027 $73,700 $16,400
018 Reservoir East -
Plant # 1
469 11th Street, Atlantic
Beach, FL 32233
223 - On
Ground
Liquid
Storage
Tank
10/01/2026 10/01/2027 $441,700 $0
019 Reservoir West -
Plant # 1
469 11th Street, Atlantic
Beach, FL 32233
223 - On
Ground
Liquid
Storage
Tank
10/01/2026 10/01/2027 $441,700 $0
020 Office - WTP # 2 2301 Mayport Road,
Atlantic Beach, FL 32233
131 - FR 10/01/2026 10/01/2027 $697,900 $0
021 Generator Bldg /
Fuel Tank - WTP #
2
2301 Mayport Road,
Atlantic Beach, FL 32233
223 - On
Ground
Liquid
Storage
Tank
10/01/2026 10/01/2027 $201,300 $0
022 Chlorine Bldg -
WTP # 2
2301 Mayport Road,
Atlantic Beach, FL 32233
131 - FR 10/01/2026 10/01/2027 $65,700 $0
023 Reservoir - WTP #
2
2301 Mayport Road,
Atlantic Beach, FL 32233
223 - On
Ground
Liquid
Storage
Tank
10/01/2026 10/01/2027 $1,044,700 $0
024 Control & Chlorine
Building
2848 Mayport Road,
Atlantic Beach, FL 32233
119 - JM 10/01/2026 10/01/2027 $243,300 $0
025 Frame Effluent
Main
Trestle Crossing, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $129,900 $0
026 Effluent Outfall
Main
Sherman Point Pier,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $325,100 $0
027 Concession Bldg 800 Seminole Road,
Atlantic Beach, FL 32233
119 - JM 10/01/2026 10/01/2027 $350,000 $29,900
028 Lifeguard Station 1 Ahern Street, Atlantic
Beach, FL 32233
101 - Frame 10/01/2026 10/01/2027 $1,217,201 $10,000
029 Palm Ave Lift
Station A
460 Palm Ave., Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $184,800 $0
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 3
Service is the heart of what we do
9/1/2026 4:38:03 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Loc
#
Description Address Const Type Eff.
Date
Term. Date Building
Value
Contents
value
030 11th Street Lift
Station B
425 11th Street, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $800,000 $0
031 Donner Rd Lift
Station C
69 Donner Road, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $177,600 $0
032 Selva Marina Lift
Station D
1799 Selva Marina Dr.,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $130,700 $0
033 Mayport Road Lift
Station E
799 Mayport Road,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $182,900 $0
034 Cavalla Rd Lift
Station F
858 Cavalla Road, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $170,400 $0
035 20th Street Lift
Station G
404 20th Street, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $122,700 $0
036 Mayport Road Lift
Station H
2301 Mayport Road,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $105,300 $0
037 Park Street Lift
Station I
960 Park Street, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $74,000 $0
038 Stewart Street Lift
Station J
481 Stewart Street,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $88,100 $0
039 Camelia Street Lift
Station K
1397 Camelia St., Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $128,900 $0
040 Barefoot Trace Lift
Station L
2318 Barefoot Trace,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $131,600 $0
041 Camelia Street Lift
Station M
302 Camelia Street,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $123,000 $0
042 Seminole Rd Lift
Station N
2277 Seminole Rd.,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $124,400 $0
043 David Street Lift
Station O
458 David Street, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $139,900 $0
044 Mayport Landing
Lift Station
2885 Wonderwood Rd.,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $124,300 $0
045 West End Lift
Station
2567 West End, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $102,700 $0
046 Aspen Ridge Lift
Station
2210 Aspen Ridge,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $151,800 $0
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 4
Service is the heart of what we do
9/1/2026 4:38:03 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Loc
#
Description Address Const Type Eff.
Date
Term. Date Building
Value
Contents
value
047 Mimosa Cove Lift
Station
1030 Mimosa Cove Ct.,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $188,800 $0
048 Pan Am Lift Station 2294 Mayport Road,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $188,300 $0
049 Courtyard Lift
Station
2595 Mayport Road,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $170,400 $0
050 Schooner Bay Lift
Station
914 Schooner Bay,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $188,300 $0
051 Lakeside Lift
Station
2632 State Rd A1A,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $201,900 $0
052 Gavagan Rd Lift
Station
995 Gavigan Road,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $230,300 $0
053 Featherwood Lift
Station
2121 Featherwood,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $139,900 $0
054 Donner Park
Comm. Center
2072 George Street,
Atlantic Beach, FL 32233
101 - Frame 10/01/2026 10/01/2027 $333,200 $48,200
055 Ground Storage
Tank 1 (150,000
Gallon)
902 Assisi Lane, Atlantic
Beach, FL 32233
223 - On
Ground
Liquid
Storage
Tank
10/01/2026 10/01/2027 $566,200 $0
056 Ground Storage
Tank 2 (150,000
Gallon)
902 Assisi Lane, Atlantic
Beach, FL 32233
223 - On
Ground
Liquid
Storage
Tank
10/01/2026 10/01/2027 $566,200 $0
057 Water Plant Office 902 Assisi Lane, Atlantic
Beach, FL 32233
101 - Frame 10/01/2026 10/01/2027 $309,400 $99,900
058 Maintenance
Building
902 Assisi Lane, Atlantic
Beach, FL 32233
119 - JM 10/01/2026 10/01/2027 $194,800 $89,000
059 Pump Building 902 Assisi Lane, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $465,200 $0
060 Chlorine Facility 902 Assisi Lane, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $43,700 $0
061 Fuel Tank (3000
Gallon) &
Generator (625
Kva)
739 Renault Drive,
Atlantic Beach, FL 32233
223 - On
Ground
Liquid
Storage
Tank
10/01/2026 10/01/2027 $700,000 $0
062 Elevated Water
Tank - WTP # 2
2301 Mayport Road,
Atlantic Beach, FL 32233
225 -
Elevated
Liquid
10/01/2026 10/01/2027 $1,842,500 $0
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 5
Service is the heart of what we do
9/1/2026 4:38:03 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Loc
#
Description Address Const Type Eff.
Date
Term. Date Building
Value
Contents
value
Storage
Tank
063 Dutton Island Lift
Station
1402 Dutton Island Rd.,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $95,400 $0
064 Ticonderoga Lift
Station
1082 Ticonderoga Court,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $152,600 $0
065 Commission
Chambers
800 Seminole Road,
Atlantic Beach, FL 32233
101 - Frame 10/01/2026 10/01/2027 $221,600 $60,400
066 Jordan Park
Community Center
1671 Francis Avenue,
Atlantic Beach, FL 32233
119 - JM 10/01/2026 10/01/2027 $629,100 $84,700
067 Well 2R 1200 Sandpiper Lane,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $195,000 $0
068 Navy Lift Station 1045 Monmouth Ct,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $121,100 $0
069 Montreal Lift
Station
2544 Montreal St, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $77,200 $0
070 Production Well #1 469 11th Street, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $129,900 $0
071 Production Well #2 469 11th Street, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $142,100 $0
072 Production Well #3 2301 Mayport Road,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $133,800 $0
073 Production Well #5 2301 Mayport Road,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $99,000 $0
074 Production Well
#3W
902 Assisi Lane, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $142,900 $0
075 Production Well
#5N
902 Assisi Lane, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $142,900 $0
076 Master Lift Station 1100 Sandpiper Lane,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $624,900 $0
077 Fuel Tank 1100 Sandpiper Lane,
Atlantic Beach, FL 32233
223 - On
Ground
Liquid
Storage
Tank
10/01/2026 10/01/2027 $36,700 $0
078 Pond Aeration
Pumps
1100 Sandpiper Lane,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $111,700 $0
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 6
Service is the heart of what we do
9/1/2026 4:38:03 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Loc
#
Description Address Const Type Eff.
Date
Term. Date Building
Value
Contents
value
079 Old Ras Pits 1100 Sandpiper Lane,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $145,000 $0
080 Yard Station (Wet
Well)
1100 Sandpiper Lane,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $115,200 $0
081 Sludge/Odor
Control Bldg
1100 Sandpiper Lane,
Atlantic Beach, FL 32233
111 - MNC 10/01/2026 10/01/2027 $1,577,000 $0
082 Reuse Pump
Station (on-site)
1100 Sandpiper Lane,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $132,500 $0
083 Lift Station/Control
Bldng
739 Renault Drive,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $486,800 $0
084 Wooden Walkway -
Dutton Island
Dutton Island Drive,
approximate, Atlantic
Beach, FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $77,400 $0
085 Big Pier - Dutton
Island
Dutton Island Drive,
approximate, Atlantic
Beach, FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $153,100 $0
086 Floating Dock
Dutton Island
Dutton Island Drive,
approximate, Atlantic
Beach, FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $37,500 $0
087 Wood Bridge -
Howell Park
810 Seminole Rd,
Approximate, Atlantic
Beach, FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $40,000 $0
088 Wood Bridge -
Howell Park
810 Seminole Rd,
Approximate, Atlantic
Beach, FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $40,000 $0
089 Wood Bridge -
Howell Park
810 Seminole Rd,
Approximate, Atlantic
Beach, FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $40,000 $0
090 Wood Bridge -
Howell Park
810 Seminole Rd,
Approximate, Atlantic
Beach, FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $40,000 $0
091 Wood Bridge -
Howell Park
810 Seminole Rd,
Approximate, Atlantic
Beach, FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $40,000 $0
092 Wood Walkover -
Howell Park
810 Seminole Rd,
Approximate, Atlantic
Beach, FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $75,000 $0
093 Wood Walkover -
Tideviews
98 Begonia St,
Approximate, Atlantic
Beach, FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $500,000 $0
094 Overlook & Pier -
Tideviews
98 Begonia St,
Approximate, Atlantic
Beach, FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $500,000 $0
095 Beach Walkover -
Ocean Rescue
Ahern St, Approx, Atlantic
Beach, FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $35,000 $0
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 7
Service is the heart of what we do
9/1/2026 4:38:03 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Loc
#
Description Address Const Type Eff.
Date
Term. Date Building
Value
Contents
value
096 Beach Walkover 3rd St, Atlantic Beach, FL
32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $140,000 $0
097 Beach Walkover 6th St, Atlantic Beach, FL
32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $140,000 $0
098 Beach Walkover 8th St, Atlantic Beach, FL
32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $140,000 $0
099 Beach Walkover 11th St, Atlantic Beach,
FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $140,000 $0
100 Beach Walkover 13th St, Atlantic Beach,
FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $140,000 $0
101 Beach Walkover -
Dewee's
Dewees Ave, approx,
Atlantic Beach, FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $140,000 $0
102 Beach Walkover 16th St, Atlantic Beach,
FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $140,000 $0
103 Beach Walkover 18th St, Atlantic Beach,
FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $140,000 $0
104 Beach Walkover 20th St, Atlantic Beach,
FL 32233
257 -
Waterfront
Structures
10/01/2026 10/01/2027 $140,000 $0
105 Temporary Reuse
Pump/Panel/Elec.
1100 Sandpiper Lane,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $209,600 $0
106 Animal Control
Kennel Facility
1200 Sandpiper Lane,
Atlantic Beach, FL 32233
119 - JM 10/01/2026 10/01/2027 $21,800 $17,500
107 Storage Building 1200 Sandpiper Lane,
Atlantic Beach, FL 32233
131 - FR 10/01/2026 10/01/2027 $186,100 $124,900
108 Bennetts Wave
Pergola
1 Begonia St, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $21,400 $0
109 Jordan Park -
Concrete Mounted
Instruments/ Play
Equipment
1671 Francis Avenue,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $15,700 $0
110 Veteran's Park-
Restrooms
1 W 1st Street, Atlantic
Beach, FL 32233
131 - FR 10/01/2026 10/01/2027 $88,400 $0
111 Lift Station 571 Coastal Oak Lane,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $111,200 $0
112 Lift Station -
Submerged Lift
Station For Storm
Water
25 Atlantic Blvd, Atlantic
Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $33,300 $0
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 8
Service is the heart of what we do
9/1/2026 4:38:03 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Loc
#
Description Address Const Type Eff.
Date
Term. Date Building
Value
Contents
value
113 Lift Station 2200 Fairway Villas,
Atlantic Beach, FL 32233
251 -
Pump/Lift
Station
10/01/2026 10/01/2027 $200,000 $0
114 11th Street Lift
Station (B) Property
In the Open
425 11th Street, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $83,700 $0
115 20th Street Lift
Station (G)
Property In the
Open
404 20th Street, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $7,400 $0
116 Adele Grage
Community Center
Property In the
Open
716 Ocean Blvd., Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $193,300 $0
117 Aspen Ridge Lift
Station Property In
the Open
2210 Aspen Ridge,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $3,200 $0
118 Camelia Street Lift
Station (K) Property
In the Open
1397 Camelia St., Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $20,700 $0
119 Camelia Street Lift
Station (M)
Property In the
Open
302 Camelia Street,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $16,600 $0
120 Cavalla Road Lift
Station (F) Property
In the Open
858 Cavalla Road, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $67,400 $0
121 City Hall Property
In the Open
800 Seminole Road,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $24,700 $0
122 Coastal Oak Lane
Lift Station Property
In the Open
573 Coastal Oak Lane,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $12,500 $0
123 Courtyard Lift
Station Property In
the Open
2595 Mayport Road,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $69,000 $0
124 David Street Lift
Station (O)
Property In the
Open
458 David Street, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $2,500 $0
125 Donner Community
Center Property In
the Open
Donner Comm. Center,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $403,800 $0
126 Donner Road Lift
Station (C)
Property In the
Open
69 Donner Road, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $67,600 $0
127 Dutton Island Lift
Station Property In
the Open
1402 Dutton Island Rd.,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $19,400 $0
128 Dutton Island
Preserve Property
In the Open
Dutton Island Drive,
Approximate, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $16,700 $0
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 9
Service is the heart of what we do
9/1/2026 4:38:03 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Loc
#
Description Address Const Type Eff.
Date
Term. Date Building
Value
Contents
value
129 Fairway Villas Lift
Station Property In
the Open
2200 Fairway Villas,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $90,000 $0
130 Featherwood Lift
Station Property In
the Open
2121 Featherwood,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $3,400 $0
131 Gavagan Road Lift
Station Property In
the Open
425 11th Street, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $105,200 $0
132 Jordan Park
Community Center
- Property In the
Open
1671 Francis Avenue,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $124,100 $0
133 Lakeside Lift
Station Property In
the Open
2632 State Rd A1A,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $84,100 $0
134 Maintenance/Public
Works Property In
the Open
1200 Sandpiper Lane,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $109,800 $0
135 Mayport Landing
Lift Station Property
In the Open
2885 Wonderwood Rd.,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $53,400 $0
136 Mayport Road Lift
Station (E) Property
In the Open
799 Mayport Road,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $86,700 $0
137 Mimosa Cove Lift
Station Property In
the Open
1030 Mimosa Cove Ct.,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $100,100 $0
138 Montreal Lift
Station Property In
the Open
2544 Montreal St, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $4,000 $0
139 Navy Lift Station
Property In the
Open
1045 Monmouth Ct,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $84,400 $0
140 Palm Avenue Lift
Station (A) Property
In the Open
460 Palm Ave., Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $28,700 $0
141 Pan Am Lift Station
Property In the
Open
2294 Mayport Road,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $15,000 $0
142 Park Street Lift
Station ( I )
Property In the
Open
960 Park Street, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $15,600 $0
143 Police & Fire
Department
Property In the
Open
850 Seminole Road,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $65,600 $0
144 Russell Park
Property In the
Open
800 Seminole Road,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $803,600 $0
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 10
Service is the heart of what we do
9/1/2026 4:38:03 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Loc
#
Description Address Const Type Eff.
Date
Term. Date Building
Value
Contents
value
145 Schooner Bay Lift
Station Property In
the Open
914 Schooner Bay,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $44,400 $0
146 Selva Marina Lift
Station (D)
Property In the
Open
1799 Selva Marina Dr.,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $101,000 $0
147 Seminole Road Lift
Station (N)
Property In the
Open
2277 Seminole Rd.,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $20,500 $0
148 Stewart Street Lift
Station (J) Property
In the Open
481 Stewart Street,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $2,100 $0
149 Ticonderoga Lift
Station Property In
the Open
1082 Ticonderoga Court,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $3,900 $0
150 Veteran's Park -
Play Set, Flag Pole
1 W 1St Street, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $112,200 $0
151 Wastewater
Treatment Plant #1
Property In the
Open
1100 Sandpiper Lane,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $211,600 $0
152 Wastewater
Treatment Plant #2
Property In the
Open
739 Renault Drive,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $290,300 $0
153 Water Treatment
Plant #1 Property
In the Open
469 11th Street, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $245,800 $0
154 Water Treatment
Plant #2 Property
In the Open
2301 Mayport Road,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $290,600 $0
155 Water Treatment
Plant #3 Property
In the Open
902 Assisi Lane, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $338,700 $0
156 West End Lift
Station Property In
the Open
2567 West End, Atlantic
Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $4,600 $0
157 Donner Park
Splash Pad
2072 George Street,
Atlantic Beach, FL 32233
102 - PITO 10/01/2026 10/01/2027 $614,870 $0
158 Marsh Oaks Office
Building
100 W 1st Street, Atlantic
Beach, FL 32233
131 - FR 10/01/2026 10/01/2027 $1,000,000 $0
Total $54,292,394 $2,764,300
TIV $57,056,694
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more complete and
detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 1
Service is the heart of what we do
9/1/2026 4:38:05 PM
10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
INLAND MARINE SCHEDULE
Effective
Date
Item #Description Serial Number Classification
Code
Term Date
Value Deductible
001 Unscheduled Items Blanket
Unscheduled
10/01/2026
10/01/2027
$1,000,000 $5,000
002 AssNR: 1741
Caterpillar/Olympian Diesel
Genset Model D50P4S
Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$26,500 $5,000
003 AssNR: 1742
Caterpillar/Olympina Diesel
Genset Model D200P4
Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$36,740 $5,000
004 2008 Bobcat Skid Steer
Loader all wheel drive
530323013
BC-2 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$27,688 $5,000
005 50KW Onan Trailer-Mounted
Generator
Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$26,500 $5,000
006 CAT Mini Excavator ME-1404 / FKY02613 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$35,000 $5,000
007 Rubber Tire Loader WL-17 / OH8802343 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$40,000 $5,000
008 Roll on Roll off Truck (MACK
CHASIS W/ GALBRATH
HOIST)
Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$149,464 $5,000
009 2011 Cat 420E Backhoe
B1116
G9F01702 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$65,239 $5,000
010 2006 Vactron Trailer
Mounted Jet/Vac
5H7RF19245LH52134 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$58,612 $5,000
011 2018 Kawasaki Mule JKBAFSB14JB510769 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$13,899 $5,000
012 Cross Over Utility Vehicle -
Non Titled
1M0835MDVKM02262 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$23,652 $5,000
013 Caterpillar Skid Steer TL-17 TAW06449 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$65,895 $5,000
014 Mulcher for Cat Skid Steer PS500787 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$31,025 $5,000
015 Kawasaki ATV RGSW643A3MB511318 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$14,187 $5,000
016 Generac 200kw Diesel
Generator and 1800a 240v
Single Phase 2pole Auo
Transfer Switch
F2CE9685A/ 1453431 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$53,660 $5,000
017 2021 Caterpilla D80 Diesel
Generator Set 80kw, ASCO
400AMO Automatic Transfer
Set
Z1630701 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$105,703 $5,000
018 2021 Caterpilla DG50 LP
Vapor Generator Set, 50kw,
ASCO 100 Amp Automatic
Transfer Switch
T3700653 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$70,260 $5,000
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more complete and
detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 2
Service is the heart of what we do
9/1/2026 4:38:05 PM
10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Effective
Date
Item #Description Serial Number Classification
Code
Term Date
Value Deductible
019 2018 Wanco WVTMA(A)
Mini Matrix Message Board
Trailer
5F12S1210J1006003 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$17,150 $5,000
020 2021 Kubota RTV-X1100 A5KC2GDBHMG067940 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$21,000 $5,000
021 2021 Kubota RTV-X1100 A5KC2GDBHMG068327 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$21,000 $5,000
022 2022 Trimble R2 6207S18110 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$12,556 $5,000
023 2021 Propane powered
generator located at Camelia
St
Lift Station - DG50 LP Vapor
Genertor Set, 50 KW and
ASCO 100 AMP automatic
transfer switch
T3700653 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$70,260 $5,000
024 2021 Disel powered
generator located at City Hall
-
D125 Diesel Generator Set
125 KW, ASCO 400 AMP
automatic transfer switch
WG201098 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$171,024 $5,000
025 2022 Genie S-45HF Boom
Life
S45XCH-2681 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$89,757 $5,000
026 2023 Hustler X-One Mower HTXHGR054KAWFX850
VA
Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$9,000 $5,000
027 2023 Ferris FB3000 Stand
On Blower 35HP
4002159810 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$12,305 $5,000
028 2024 Kubota L3560HSTCC
(K-24090
KBUL5AHCCP8A55329 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$32,342 $5,000
029 2024 Kubota L3560HSTCC
(k-2404)
kbul5ahcvp8j56837 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$32,342 $5,000
030 Wanco Message Board
Trailer
5F12S1213M1000250 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$16,890 $5,000
031 Kawasaki ATV Mule ATV JKAATCA19RB505177 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$22,215 $5,000
032 Generac 250kw SD250
Diesel Generator
3015398794 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$53,660 $5,000
033 Speed Monitoring
Awareness Radar Trailer
1M9BU0716R1597316 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$11,800 $5,000
034 2025 Little Wonder Monster
TruckLoader Trailer
LW-TLSC1035BVG Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$48,599 $5,000
035 2025 Hustler X-One Mower 25021421 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$10,354 $5,000
036 2015 Polaris Ranger ATV RGR900XPPS Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$18,400 $5,000
037 2020 LMX Ground
Penetrating Radar Machine
w/ Display
7883532020 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$17,708 $5,000
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more complete and
detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 3
Service is the heart of what we do
9/1/2026 4:38:05 PM
10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Effective
Date
Item #Description Serial Number Classification
Code
Term Date
Value Deductible
038 2022 DOT Water Trailer 52YA3NA16NN000843 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$11,509 $5,000
039 2019 CAT 4X4 Backhoe CAT0420FHHWC0487 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$92,468 $5,000
040 Thor Guard TG 360
Lightning Wall System
Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$59,000 $5,000
041 2017 Kubota Tractor 40929 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$30,500 $5,000
042 2021 Hustler X-One Mower 21094027 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$10,354 $5,000
043 2025 Mitsubishi Air
Conditioner Split Unit
S51E0165331U40F Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$6,054 $5,000
044 2025 Hustler X-One Mower 25043069 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$14,099 $5,000
045 Solar Traffic Director 5F11S101041002617 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$4,380 $5,000
046 Message Board 1A9AS32242228471 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$15,560 $5,000
047 Thompson Pump Trailer 1T9PT1213JP634889 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$22,523 $5,000
048 Simpson B1900213 Trailer 1F9FT0916PA451387 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$5,904 $5,000
049 RU2 Fast 870 Trailer 1R9BR0914DC482045 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$10,000 $5,000
050 2026 Polaris RGR-26 ATV R26M4A57B1 Contractor's / Mobile
Equipment - ACV
10/01/2026
10/01/2027
$14,780 $5,000
051 Unscheduled Items Electronic Data
Processing
Equipment - RC
10/01/2026
10/01/2027
$213,884 $5,000
052 Main Computer Electronic Data
Processing
Equipment - RC
10/01/2026
10/01/2027
$300,000 $5,000
053 PS Computer room Electronic Data
Processing
Equipment - RC
10/01/2026
10/01/2027
$75,000 $5,000
054 File back-up service, Hub for
wireless to remote city sites
Electronic Data
Processing
Equipment - RC
10/01/2026
10/01/2027
$100,000 $5,000
055 Unscheduled Items- Fine
Arts
Fine Arts - ACV 10/01/2026
10/01/2027
$25,000 $5,000
056 Small Commemorative
Bronze Turtles (20 x $2.5k
each)
Fine Arts - ACV 10/01/2026
10/01/2027
$50,000 $2,500
057 2021 30 cubic yard, 62" wall
height, steel Dumpster (roll
off container)
243098 Other Inland Marine
- ACV
10/01/2026
10/01/2027
$8,750 $5,000
058 Unscheduled Items- Rented
Borrowed Leased
Equipment-ACV
Rented, Borrowed,
Leased Equipment -
ACV
10/01/2026
10/01/2027
$50,000 $5,000
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more complete and
detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License #L055432
PO Box 958455 Lake Mary, FL 32795 | 321.832.1450 | pgit.org
Page 4
Service is the heart of what we do
9/1/2026 4:38:05 PM
10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26 01
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Effective
Date
Item #Description Serial Number Classification
Code
Term Date
Value Deductible
059 Unscheduled Items-Valuable
Papers RC
Valuable Papers -
RC
10/01/2026
10/01/2027
$100,000 $5,000
060 2012 Tracker Topper 1542
LW
BUJ00727D112 Watercraft - ACV 10/01/2026
10/01/2027
$2,500 $5,000
061 2019 Lowe 1852 Aura Boat LWC00296F819 Watercraft - ACV 10/01/2026
10/01/2027
$5,500 $5,000
062 2019 Mercury 50HP Four
Stroke
1C548835 Watercraft - ACV 10/01/2026
10/01/2027
$8,500 $5,000
063 2020 Sead Do 11LC Jet Ski YDV32044L920 Watercraft - ACV 10/01/2026
10/01/2027
$13,600 $5,000
Total $3,782,251
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 1
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
VEHICLE SCHEDULE
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
001
Sterling
_________
2007
LT9500 Boom
________________
2FZHAZCV27AX37794
PW
______________
Heavy Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$130,000
____________
Actual Cash
Value
002
Ford
_________
1994
Conventional L LT9000
Dump
________________
1FDZU90T3RVA10592
PW
______________
Heavy Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$30,000
____________
Actual Cash
Value
003
Ford
_________
2016
Escape
________________
1FMCU0F71GUC6182
2
PLN
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$17,886
____________
Actual Cash
Value
004
Ford
_________
2017
Escape
________________
1FMCU0F77HUD3022
4
IT (was Planning)
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$17,790
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 2
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
005
Chevrolet
_________
2007
Box Truck
________________
1GBE5E1G87F422903
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$45,351
____________
Actual Cash
Value
006
Other
_________
2008
6 x 10 enclosed trailer
________________
5RTBE10168D010947
PW - Water
Distribution
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$1,935
____________
Actual Cash
Value
007
Other
_________
2003
Trailer Model
TE18AH35
________________
1DA42RR3X3P016358
5999
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$11,355
____________
Actual Cash
Value
008
Ford
_________
2009
Focus
________________
1FAHP34N69W133576
Recreation
______________
Private Passenger
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$11,715
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 3
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
009
Ford
_________
2021
Explorer
________________
1FM5K8AB9MGA4214
2
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$51,200
____________
Actual Cash
Value
010
Ford
_________
2023
Explorer
________________
1FM5K8AB6PGA79315
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$59,189
____________
Actual Cash
Value
011
Ford
_________
2023
Explorer
________________
1FM5K8ABXPGA7928
4
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$59,189
____________
Actual Cash
Value
012
Ford
_________
2019
Explorer AWD
________________
1FM5K8AR9KGA3113
5
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$33,000
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 4
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
013
Other
_________
2010
Trailer
________________
1R9BR081XAB482098
POL
______________
Trailer - NO
CHARGE
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$6,310
____________
Actual Cash
Value
014
Ford
_________
2021
Explorer AWD
________________
1FM5K8AB7MGA4214
1
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$51,200
____________
Actual Cash
Value
015
Chevrolet
_________
2019
Express Van
________________
1GCWGAFP3K127877
5
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$24,580
____________
Actual Cash
Value
016
EZ Pack
_________
2012
EZ Loader Trailer
________________
1ZEAAKHB4Ca009668
Parks
______________
Trailer - NO
CHARGE
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$900
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 5
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
017
Ford
_________
2007
F150
________________
1FTRF12217KC19610
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$11,000
____________
Actual Cash
Value
018
Ford
_________
2010
F150
________________
1FTMF1CW6AKB5575
9
Parks
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$13,747
____________
Actual Cash
Value
019
Ford
_________
2012
F150
________________
1FTMF1CM6CFB5698
5
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$13,621
____________
Actual Cash
Value
020
Other
_________
2014
Utility Trailer
________________
1Z9BU1426EJ213787
PW
______________
Trailer - NO
CHARGE
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$1,500
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 6
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
021
Other
_________
2014
Utility Trailer
________________
1Z9BU1428EJ213788
PW
______________
Trailer - NO
CHARGE
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$1,500
____________
Actual Cash
Value
022
Ford
_________
2014
F150
________________
1FTEX1EM5EFC97046
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$22,273
____________
Actual Cash
Value
023
Ford
_________
2022
F150
________________
1FTEX1C52NKD03646
Parks
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$25,884
____________
Actual Cash
Value
024
Ford
_________
2023
F150
________________
1FTEX1C53PFA02038
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$36,229
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 7
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
025
Ford
_________
2014
F150 Regular Cab
________________
1FTMF1CM5EFA9492
1
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$15,025
____________
Actual Cash
Value
026
Ford
_________
2014
F150 Supercab
________________
1FTEX1CM4EFB02489
PU
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$20,556
____________
Actual Cash
Value
027
Toyota
_________
2016
Camry
________________
4T1BF1FK9GU148409
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$19,838
____________
Actual Cash
Value
028
Nissan
_________
2016
Frontier
________________
1N6BD0CT3FN748625
FIN
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$27,000
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 8
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
029
Ford
_________
2015
F350 Cab
________________
1FDRF3G62GEA38954
PU
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$18,223
____________
Actual Cash
Value
030
Nissan
_________
2017
Frontier
________________
1N6AD0CU3HN705510
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$20,505
____________
Actual Cash
Value
031
Nissan
_________
2016
Frontier
________________
1N6AD0CU7GN72869
1
Parks
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$20,505
____________
Actual Cash
Value
032
Big Tex
_________
2017
Trailer
________________
16VDS1428H5043230
PW
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$6,395
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 9
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
033
Big Tex
_________
2017
Trailer
________________
16VDX1422H5044213
5999
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$6,395
____________
Actual Cash
Value
034
Big Tex
_________
2017
Trailer
________________
16VHX2028H2007696
5999
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$15,600
____________
Actual Cash
Value
035
Mack
_________
2017
GU813
________________
1M2AX13CXHM03787
5
PU - Sewer
Treatment
______________
Heavy Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$150,000
____________
Actual Cash
Value
036
Ford
_________
2018
F150
________________
1FTFW1EG8JFB33074
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$31,786
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 10
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
037
Dodge
_________
2021
RAM
________________
1C6RRFFGXMN67789
8
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$38,515
____________
Actual Cash
Value
038
Other
_________
2017
Utility Trailer
________________
4T9BU0816HG035471
PW
______________
Trailer - NO
CHARGE
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$1,481
____________
Actual Cash
Value
039
Ford
_________
2018
Explorer
________________
1FM5K8AR7JGA46411
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$30,803
____________
Actual Cash
Value
040
Toyota
_________
2017
Camry
________________
4T1BF1FK9HU810037
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$18,500
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 11
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
041
Chevrolet
_________
2017
Impala
________________
2G11X5S38H9184747
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$35,000
____________
Actual Cash
Value
042
Ford
_________
2017
Interceptor
________________
1FAHP2L86HG113410
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$35,000
____________
Actual Cash
Value
043
Ford
_________
2017
Interceptor
________________
1FAHP2L82HG118894
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$35,000
____________
Actual Cash
Value
044
Ford
_________
2017
Interceptor
________________
1FAHP2L80HG118893
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$35,000
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 12
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
045
Ford
_________
2017
Interceptor
________________
1FAHP2L88HG113411
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$35,000
____________
Actual Cash
Value
046
Dodge
_________
2018
Charger
________________
2C3CDXBG9JH220579
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$35,000
____________
Actual Cash
Value
047
Ford
_________
2007
Ranger 4 x 2
________________
1FTYR14U57PA79985
Parks
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$14,000
____________
Actual Cash
Value
048
Ford
_________
2025
Interceptor SUV
________________
1FM5K8AR5JGA72814
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$35,000
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 13
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
049
Harley
Davidson
_________
2019
Motorcycle
________________
1HD1FHP19KB623199
POL
______________
Motorcycle
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$26,230
____________
Actual Cash
Value
050
Toyota
_________
2020
Rav 4
________________
2T3LWRFV5LW08100
1
BLDG
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$27,000
____________
Actual Cash
Value
051
Toyota
_________
2020
Rav 4
________________
2T3LWRFV9LW09870
7
BLDG
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$27,000
____________
Actual Cash
Value
052
Toyota
_________
2020
Rav 4
________________
2T3LWRFV4LW09846
7
BLDG
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$27,000
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 14
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
053
Big Tex
_________
2019
14' Dump Trailer
________________
16VDX1426K5043363
Parks
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$7,050
____________
Actual Cash
Value
054
Big Tex
_________
2019
12' Tandem Trailer
________________
16VNX1221K2045675
Parks
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$4,600
____________
Actual Cash
Value
055
Big Tex
_________
2019
12' Tandem Trailer
________________
16VNX1220K3049078
Parks
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$4,600
____________
Actual Cash
Value
056
Other
_________
2019
Karavan Trailer LB-
1800-64-ST2
________________
5KTBS1915KF511346
??
______________
Trailer - NO
CHARGE
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$2,499
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 15
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
057
Pace
_________
2020
OB7X16TE2DLX
________________
53BPTEA28LA057825
POL
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$5,000
____________
Actual Cash
Value
058
Other
_________
2020
TL
________________
4T9BU1623LG035034
POL
______________
Trailer - NO
CHARGE
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$3,800
____________
Actual Cash
Value
059
Chevrolet
_________
2020
Tahoe
________________
1GNSKDECXLR12416
6
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$53,500
____________
Actual Cash
Value
060
Chevrolet
_________
2020
Tahoe
________________
1GNSKDEC1LR12774
7
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$53,500
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 16
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
061
Big Tex
_________
2020
14TL-22BK
________________
16VEX2223L2040954
PU
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$6,165
____________
Actual Cash
Value
062
GMC
_________
2001
Sierra
________________
1GTEC14T91Z219074
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$15,000
____________
Actual Cash
Value
063
Ford
_________
2020
F450
________________
1FCUF4GN5LEC31097
PU
______________
Medium Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$82,000
____________
Actual Cash
Value
064
Ford
_________
2020
F550
________________
1FDUF5GN9LED96379
PW
______________
Heavy Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$43,308
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 17
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
065
Ford
_________
2020
Explorer
________________
1FM5K8AB3LGC12882
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$46,000
____________
Actual Cash
Value
066
GMC
_________
2023
Sierra
________________
1GTRUAED2PZ18480
9
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$40,471
____________
Actual Cash
Value
067
GMC
_________
2023
Sierra
________________
1GTRUAED2PZ18478
1
PW/Streets
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$40,471
____________
Actual Cash
Value
068
Chevrolet
_________
2019
Silverado
________________
2GCVKNEC4K113866
4
PU
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$34,000
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 18
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
069
Chevrolet
_________
2020
Silverado
________________
1GCRYAEF1LZ325064
Parks
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$26,568
____________
Actual Cash
Value
070
Chevrolet
_________
2020
Silverado
________________
1GCRYAEF7LZ325327
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$26,568
____________
Actual Cash
Value
071
Chevrolet
_________
2019
Silverado
________________
2GCVKNEC9K116576
3
Utilities (should be
PU)
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$34,000
____________
Actual Cash
Value
072
Chevrolet
_________
2019
Silverado
________________
3GCNYAEF1MG35257
2
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$34,128
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 19
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
073
Chevrolet
_________
2019
Silverado
________________
2GCVKNEC3K117475
1
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$26,729
____________
Actual Cash
Value
074
Chevrolet
_________
2021
Silverado 1500
________________
1GCRYAEF1MZ40772
0
POL - Animal
Control
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$29,565
____________
Actual Cash
Value
075
Chevrolet
_________
2019
Silverado 4wd
________________
2GCVKNEC3K110116
7
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$39,000
____________
Actual Cash
Value
076
International
_________
2022
CV (Crew Cab)
________________
NH597927
PW
______________
Heavy Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$71,041
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 20
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
077
Ford
_________
2022
F450
________________
1FDUF4GN6NEC3572
7
PU
______________
Medium Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$51,000
____________
Actual Cash
Value
078
Chevrolet
_________
2019
Silverado K1500
________________
1GCUYDED4KZ22450
0
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$34,000
____________
Actual Cash
Value
079
Toyota
_________
2013
Tacoma
________________
5TFNX4CN0DX022044
PU - Water
Distribution
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$17,058
____________
Actual Cash
Value
080
Toyota
_________
2013
Tacoma
________________
1FMCUOUC74CKC101
80
FIN
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$17,058
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 21
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
081
GMC
_________
2023
TC10753
________________
1GTRHAEK6PZ181871
PU
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$34,999
____________
Actual Cash
Value
082
Ford
_________
2022
Explorer
________________
1FM5K8AB0NGB4584
1
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$53,128
____________
Actual Cash
Value
083
Ford
_________
2022
Explorer
________________
1FM5K8ABXNGB4613
8
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$53,128
____________
Actual Cash
Value
084
Chevrolet
_________
2022
Silverado 3500
________________
1GB3YSE77NF238430
PU
______________
Medium Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$50,188
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 22
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
085
Towmaster
_________
2022
T-14DT
________________
4KNBT2727NL161980
PW
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$18,686
____________
Actual Cash
Value
086
Chevrolet
_________
2022
Traverse
________________
1GNERLKW8NJ17787
2
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$29,267
____________
Actual Cash
Value
087
Other
_________
2022
South Georgia
CargoTrailer
________________
54GVC16T8N7058097
Parks
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$6,299
____________
Actual Cash
Value
088
Continental
_________
2023
Cargo Mate Enclosed
Trailer
________________
5NHUNSV28PU14050
2
POL
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$16,487
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 23
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
089
Ford
_________
2014
F150
________________
1FTEX1EM9EFB32925
Parks
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$22,273
____________
Actual Cash
Value
090
Ford
_________
2015
Explorer Police
Interceptor
________________
1FM5K8ARXFGC2668
3
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$24,625
____________
Actual Cash
Value
091
Chevrolet
_________
2016
Silverado 1500
________________
1GCRCNEC0GZ16499
7
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$35,000
____________
Actual Cash
Value
092
Ford
_________
2022
F150
________________
1FTEX1C59NFB87287
PU
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$28,566
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 24
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
093
Ford
_________
2022
F150
________________
1FTEX1C54NFB90419
PU
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$28,566
____________
Actual Cash
Value
094
International
_________
2024
MV607
________________
3HAEUMMR5RL64898
7
PW
______________
Heavy Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$185,585
____________
Actual Cash
Value
095
Ford
_________
2023
Interceptor
________________
1FM5K8AB4PGA79586
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$59,189
____________
Actual Cash
Value
096
Ford
_________
2023
Transit 350 LR
________________
1FBAX2Y89PKA99409
Recreation
______________
Bus <20 Pass, No
Lift
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$46,797
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 25
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
097
Toyota
_________
2023
Tacoma SR (7162E)
________________
3TYRX5GN8PT085327
PU
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$25,698
____________
Actual Cash
Value
098
Polaris
_________
2024
R24TAE99A1
________________
3NSTAE993RH363662
PW
______________
Extra Light Service
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$17,109
____________
Actual Cash
Value
099
Ford
_________
2024
Explorer
________________
1FM5K8AB2RGA6701
8
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$72,276
____________
Actual Cash
Value
100
Ford
_________
2024
Explorer
________________
1FM5K8AB3RGA6048
2
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$72,276
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 26
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
101
Ford
_________
2019
Interceptor (#1936)
________________
1FM5K8AR8KGB4503
1
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$46,000
____________
Actual Cash
Value
102
Ford
_________
2019
Interceptor (#1942)
________________
1FM5K8AR7KGB2808
8
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$46,000
____________
Actual Cash
Value
103
Chevrolet
_________
2020
Tahoe 4x4 (#2002)
________________
1GNSKDEC8LR12680
6
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$53,500
____________
Actual Cash
Value
104
Chevrolet
_________
2020
Tahoe 4x4 (#2010)
________________
1GNSKDEC3LR12674
5
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$53,500
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 27
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
105
Ford
_________
2022
Intercepter SUV
(#2201)
________________
1FM5K8AB7NGA9335
1
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$58,000
____________
Actual Cash
Value
106
Ford
_________
2022
Intercepter SUV
(#2211)
________________
1FM5K8ABONGB4632
6
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$58,000
____________
Actual Cash
Value
107
Ford
_________
2022
Intercepter SUV
(#2216)
________________
1FM5K8AB7NGB4632
4
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$58,000
____________
Actual Cash
Value
108
Ford
_________
2022
Intercepter SUV
(#2244)
________________
1FM5K8A3NGB46109
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$58,000
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 28
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
109
Ford
_________
2015
Intercepter SUV
(#1526)
________________
1FM5K8AR2FGA46002
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$35,000
____________
Actual Cash
Value
110
Ford
_________
2018
Intercepter SUV
(#1817)
________________
1FM5K8AR71GA72815
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$35,000
____________
Actual Cash
Value
111
Ford
_________
2019
Intercepter SUV
(#1909)
________________
1FM5K8AR3KGB2808
6
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$46,000
____________
Actual Cash
Value
112
Other
_________
2021
FRRV Jet Ski Trailer
________________
5NHUNS622MU13065
5
POL Lifeguards
______________
Trailer - NO
CHARGE
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$1,000
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 29
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
113
Freedom
_________
2015
Cargo Trailer
________________
5WKBE1824F1029391
POL Lifeguards
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$8,000
____________
Actual Cash
Value
114
Ford
_________
2024
F150
________________
1FTFX1L5XRKD00326
PU
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$45,199
____________
Actual Cash
Value
115
Ford
_________
2018
Interceptor SUV
(#2546)
________________
1FM5K8AB35GB06933
Police (should be
POL)
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$72,583
____________
Actual Cash
Value
116
GMC
_________
2024
Sierra 1500 Pro
________________
3GTNUAEKXRG36563
0
PO - Animal Control
(POL)
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$36,687
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 30
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
117
Ford
_________
2025
Intercepter SUV
________________
1FM5K8AB3SGB06933
POL
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$72,276
____________
Actual Cash
Value
118
Ford
_________
2023
F150
________________
1FTE1C5XPFA02232
Parks
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$56,614
____________
Actual Cash
Value
119
Volvo
_________
2026
VHD
________________
4V5KC9EH9TN699932
PU
______________
Heavy Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$261,456
____________
Actual Cash
Value
120
Harley
Davidson
_________
2024
FLHP Dom
________________
1HD1FHP17RB660066
Police
______________
Motorcycle
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$24,207
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 31
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
121
Chevrolet
_________
2026
Silverado 1500
________________
1GB3ARE75SF13507
PU2546
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$24,799
____________
Actual Cash
Value
122
Other
_________
2026
Enclosed Trailer
________________
5YCBE2027TH001249
Parks
______________
Trailer
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$7,900
____________
Actual Cash
Value
123
Toyota
_________
2025
Camry
________________
4T1DAACK8SU115437
POL (241610)
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$25,388
____________
Actual Cash
Value
124
GMC
_________
2026
Sierra 1500 Pro
________________
1GTUUAED4TZ334569
PW
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$42,944
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 32
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
125
Toyota
_________
2025
Camry
________________
1GTUUAED7TZ334646
PW
______________
Private Passenger
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$46,789
____________
Actual Cash
Value
126
Chevrolet
_________
2026
Silverado 1500
________________
1GCRAAED7TZ31272
6
PU (2605)
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$37,375
____________
Actual Cash
Value
127
Ford
_________
2026
F150
________________
1FTEX1K55TKD79151
PU (2602)
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$40,123
____________
Actual Cash
Value
128
Chevrolet
_________
2026
Silverado 2500
________________
1GC5KLE79TF291624
PU (2642)
______________
Light Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$46,574
____________
Actual Cash
Value
The brief description of coverage contained in this document is being provided as an accommodation only and is not intended to cover or describe all Coverage Agreement terms. For more
complete and detailed information relating to the scope and limits of coverage, please refer directly to the Coverage Agreement documents. Specimen forms are available upon request.
FL License
#L055432 PO Box 958455 Lake Mary, FL 32795 |
321.832.1450 | pgit.org
Page 33
Service is the heart of what we do
9/1/2026 4:38:13 PM
10/01/2026 through 10/01/2027
City of Atlantic Beach
PK FL1 0162001 26-26
Arthur J. Gallagher Risk Management Services, Inc. -
Jacksonville/Yulee
TOTAL AUTO PHYSICAL
DAMAGE VALUE:
$5,120,581
Make Model/Description Department AL Eff Comp
Ded
Comp
Eff
Comp
Term
ValueUnit#
Year VIN #Vehicle Type AL Term Coll
Ded
Coll
Eff
Coll
Term
Valuation
Type
129
Freightliner
_________
2018
VAC-Con Sewer
Cleaner
________________
3ALHG3FE4VDWZ730
7
PW
______________
Heavy Truck
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$475,135
____________
Actual Cash
Value
130
Ford
_________
2018
Explorer
________________
1FM5K8AR3JGA72813
Police (1818)
______________
Police Car
10/01/2026
10/01/2027
$1,000
_______
$1,000
10/01/2026
10/01/2026
10/01/2027
10/01/2027
$35,000
____________
Actual Cash
Value
1
PARTICIPATION AGREEMENT
Application for Membership in the Preferred Governmental Insurance Trust
The undersigned local governmental entity, certifying itself to be a public agency of the State of
Florida as defined in Section 163.01, Florida Statutes, hereby formally makes application with the Trust for
continuing workers' compensation, liability, property and/or casualty coverage through membership in the
Preferred Governmental
Insurance Trust, to become effective 12:01 a.m. 10/01/2026 (effective date of coverage agreement),
and if accepted by the Fund's duly authorized representative, does hereby agree as follows:
(a) To accept and be bound by the provisions of the Florida Workers' Compensation Act;
(b) That, by this reference, the terms and provisions of the Amended Interlocal Agreement creating
the Preferred Governmental Insurance Trust date October 1, 2004 are hereby adopted, approved and
ratified by the undersigned local governmental entity. The undersigned local governmental entity certifies
that it has received a copy of the aforementioned Amended Interlocal Agreement and further agrees to
be bound by the provisions and obligations of the Amended Interlocal Agreement as provided therein;
(c) To pay all premiums on or before the date the same shall become due and, in the event Applicant
fails to do so, to pay any reasonable late penalties and charges arising therefrom, and all costs of
collection thereof, including reasonable attorneys' fees;
(d) To abide by the rules and regulations adopted by the Board of Trustees of the Fund;
(e) That should either the Applicant or the Fund desire to cancel coverage, it will give not less than
thirty (30) days prior written notice of cancellation;
(f) That all information contained in the underwriting application provided to the Fund as a condition
precedent to participation in the Fund is true, correct and accurate in all respects.
(Name of Local Governmental Entity)
By: ________________________
Witness Signature Signature
Printed Name Printed Name
Title:
Witness Signature
Printed Name
IS HEREBY APPROVED FOR MEMBERSHIP IN THIS FUND, AND COVERAGE IS EFFECTIVE THE ____ DAY
OF___________, 20___ SIGNED THIS ____DAY OF _________, 20__ .
By: _________________________________
Administrator/Trustee
2
AMENDED INTERLOCAL AGREEMENT CREATING
THE
PREFERRED GOVERNMENTAL INSURANCE TRUST
This Amended Interlocal Agreement, restating and modifying the Preferred
Governmental Insurance Trust, is made and entered into effective October 1, 2004, by and
among the Local Governmental Entities who have executed Participation Agreements
(Application for Membership in the Preferred Governmental Insurance Trust) to become
effective October 1, 2004, such Local Governmental Entities representing one hundred
percent (100%) of the Governmental Entities participating in the Preferred Governmental
Insurance Trust, together with such other Local Governmental Entities who hereafter
become members of the Fund, for the purposes and subject to the conditions and
restrictions, as hereinafter set forth.
WITNESSETH:
WHEREAS, Article VIII, Section 2, Florida Constitution, provides municipalities
shall have governmental, corporate and proprietary powers to enable them to conduct
municipal government, perform municipal functions, and render municipal services, and
may exercise any power for municipal purposes except as otherwise provided by law; and
WHEREAS, Section 125.01, Florida Statutes, provides that counties shall have the
power to carry on county government and to exercise all powers and privileges not
specifically prohibited by law; and
WHEREAS, Section 166.021, Florida Statutes, provides in part that
“...municipalities shall have the governmental, corporate, and proprietary powers to enable
them to conduct municipal government, perform municipal functions, and render municipal
services, and may exercise any power for municipal purposes, except when expressly
prohibited by law.”; and
WHEREAS, Section 163.01, Florida Statutes, commonly known as the “Florida
Interlocal Cooperation Act of 1969”, provides that Local Governmental Entities may enter
into interlocal agreements in order to make the most efficient use of their powers by
enabling them to cooperate with other Local Governmental Entities on a basis of mutual
advantage, thereby providing services and facilities in a manner, and pursuant to forms of
governmental organization, that will best accord with geographic, economic, population,
and other factors influencing the needs and development of Local Communities; and
3
WHEREAS, Section 624.4622, Florida Statutes, provides that any two or more
Local Governmental Entities may enter into an interlocal agreement for the purpose of
securing the payment of benefits under Chapter 440, Florida Statutes, provided such local
governmental self- insurance fund created thereby has an annual normal premium in
excess of five million dollars ($5,000,000.00), maintains a continuing program of excess
insurance coverage, submits annual audited year-end financial statements, and has a
governing body which is comprised entirely of local elected officials; and
WHEREAS, Section 768.28, Florida Statutes, provides that the state and its
agencies and subdivisions are authorized to be self-insured, to enter into risk
management programs, or to purchase liability insurance for whatever coverage they may
choose, or to have any combination thereof, in anticipation of any claim, judgment, and
claims bill which they may be liable to pay pursuant to such section; and
WHEREAS, Section 111.072, Florida Statutes, authorizes any county, municipality,
or political subdivision to be self-insured, to enter into risk management programs, or to
purchase liability insurance for whatever coverage it may choose, or to have any
combination thereof in anticipation of any judgment or settlement which its officers,
employees, or agents may be liable to pay pursuant to a civil or civil rights lawsuit
described in s. 111.07, Florida Statutes; and
WHEREAS, Section 624.462, Florida Statutes, provides that a governmental self-
insurance pool created pursuant to Section 768.28(16), Florida Statutes, shall not be
considered a commercial self-insurance fund; and
WHEREAS, each of the participating Local Governmental Entities which are party
to this Agreement, and all subsequent Local Governmental Entities which become party to
this Agreement, are public agencies as defined in Section 163.01, Florida Statutes, and
are authorized to enter into this Interlocal Agreement by executing a Participation
Agreement; and
WHEREAS, each of the Local Governmental Entities which are a party to this
Agreement have the powers and authorities to establish, operate and maintain their own
individual self-insured programs for the purpose of securing payment of benefits under
Chapter 440, Florida Statutes; and
WHEREAS, each of the Local Governmental Entities which are a party to this
Agreement have the powers and authorities to establish, operate and maintain their own
individual self-insured programs for the purpose of securing payment of benefits under risk
management programs or liability insurance programs; and
4
WHEREAS, it is in the public interest, and in the best interest of the parties hereto,
that they join together to establish a consolidated and comprehensive Fund for the
payment of benefits under the Florida Workers’ Compensation Law, payment of claims,
judgments and claims bills which they may become liable to pay, payment of certain civil
rights liabilities, payment of casualty and property losses, and the purchase of appropriate
policies of insurance, excess insurance and reinsurance to provide protection against
such claims and liabilities; and
WHEREAS, the governing authority of each of the Local Governmental Entities
which are a party to this Agreement have duly authorized the execution and delivery of a
Participation Agreement obligating such Governmental Entity to full performance of this
Agreement; and
WHEREAS, it is the intent of this Agreement to allow participation by additional
Local Governmental Entities in the self-insurance fund created hereby, pursuant to the
terms and conditions of this Interlocal Agreement;
NOW, THEREFORE, by virtue of the execution and delivery of a Participation
Agreement, the parties hereto do hereby covenant and agree as follows
SECTION I
INCORPORATION OF RECITALS
The foregoing WHEREAS clauses are incorporated in, and made a part of, this
Amended Interlocal Agreement.
SECTION II
DEFINITIONS
The following definitions shall apply to the provisions of this Amended Interlocal
Agreement:
2.1 ADMINISTRATOR. An individual, partnership or corporation engaged by the
Fund to carry out the policies of the Fund and provide the day-to-day
executive management and oversight of the Fund’s operations, including,
but not limited to, administration, marketing, underwriting, quoting, issuance,
maintenance and auditing of coverage terms, coordinating other third party
service providers retained by the Fund and ensuring that the policies and
decisions of the Board of Trustees are implemented.
5
2.2 CLAIMS MANAGEMENT. “Claims Management” shall mean the process of
identifying, receiving, handling, adjusting, reserving, resolving and planning
for the funding of eligible claims made by or against any Member of the
Trust and any other necessary risk management operations.
2.3 CONTRIBUTION(S). “Contribution(s)” shall mean any premium charge or other
consideration imposed or collected by, or on behalf of the Trust, from its
Members based on criteria adopted from time to time by the Board of
Trustees. Contributions may be determined and set with respect to all
Members, any individual Member or otherwise. The terms “Contribution(s)”,
“Premium(s)” and “Premium Contribution(s)” are used interchangeably and
synonymously throughout this Agreement.
2.4 COVERAGE TERMS. “Coverage Terms” or “Coverage Agreements” shall
mean the terms and conditions of certificates of insurance, policies of
insurance, endorsements to policies of insurance, excess insurance policies
and reinsurance policies which are provided to Fund Members from time to
time which comprehensively set forth the insurance coverages provided to
the Fund Members, as may be modified or altered from time to time with
respect to all Members, any individual Member, or otherwise, within the
applicable notice and procedural requirements of law, or in any other rules
and regulations adopted by the Board of Trustees.
2.5 FUND. “Fund” shall mean the group self-insurer’s fund or trust fund which is
hereby created for the purposes set forth herein, known as the Preferred
Governmental Insurance Trust. The terms “Fund”, “Trust” and “Trust Fund”
are used interchangeably and synonymously throughout this Agreement.
2.6 LOCAL GOVERNMENTAL ENTITY OR ENTITIES. “Local Governmental Entity or
Entities” shall mean any “public agency” as defined by Section 163.01(3)(b),
Florida Statutes.
2.7 MEMBER. “Member” shall mean a Local Governmental Entity which has duly
executed a Participation Agreement and otherwise has complied with all
provisions of this Agreement, and which thereafter is entitled to all the rights
and benefits conferred by, and subject to all conditions and obligations
imposed by, this Agreement, the Coverage Terms, or any rules and
regulations which may be adopted by the Board of Trustees.
2.8 NON-COMPLIANCE. “Non-Compliance” shall mean the failure to comply with
the terms of this Agreement, the Coverage Terms, or any rules and
regulations which may be adopted by the Board of Trustees, but only to the
extent that such Non-Compliance is deemed material by, and within the sole
discretion of, the Board of Trustees.
6
2.9 PARTICIPATION AGREEMENT. “Participation Agreement” shall mean the
application for membership in the Preferred Governmental Insurance Trust
pursuant to which an applying member agrees to be bound by the
provisions of the Florida Workers’ Compensation Act, this Amended
Interlocal Agreement, the rules and regulations adopted by the Board of
Trustees of the Fund, and when accepted by the Board of Trustees or their
duly authorized representative, becomes a part of the Interlocal Agreement
between the applying member and the Fund.
2.10 PREMIUM(S). “Premium(s)” shall mean “Contribution(s)”.
2.11 PREMIUM CONTRIBUTION(S). “Premium Contribution(s)” shall mean
Contribution(s).
2.12 THIRD-PARTY CLAIMS MANAGER. “Third-Party Claims Manager” shall mean an
individual or organization providing claims management services to the Fund.
2.13 TRUST. “Trust” shall mean the “Fund”.
2.14 TRUSTEES. “Trustees” or “Board of Trustees” shall mean the collegial body
charged with the operation and administration of the Fund pursuant to the
provisions of this Agreement.
2.15 TRUST FUND. “Trust Fund” shall mean the “Fund”.
SECTION III
ESTABLISHMENT OF “PREFERRED
GOVERNMENTAL INSURANCE TRUST”
AS A SELF-INSURED FUND
3.1 ESTABLISHMENT. The Preferred Governmental Insurance Trust is hereby
established and created pursuant to the provisions of Article VIII, Section 2,
of the Florida Constitution, Sections 125.01, 163.01, 624.4622,
768.28(15)(a) and 111.072, Florida Statutes, for the purposes, and with the
powers, duties and obligations, as herein set forth.
3.2 LOCATION. The location of the principal office of the Trust shall be
determined from time to time by the Board of Trustees.
3.3 PURPOSES. This Amended Interlocal Agreement is made and executed,
and the Fund created hereby is established for the purposes of:
(a) Pooling Member’s resources to fulfill Members’ legal liabilities and
obligations, including, but not limited to, providing for the payment of
benefits under the Florida Workers’ Compensation Law;
7
(b) To minimize the cost of providing workers’ compensation coverage
by developing and refining specialized claim services, by developing and
refining, internally or through third party service providers, a managed care
system, together with the development and refining of loss prevention
programs for the Members;
(c) To pay or provide for general liability and casualty coverage to
participating Members, including, but not limited to, public officials errors
and omissions, employment practices liability and law enforcement liability
claims;
(d) To pay or provide for property coverage to participating Members;
(e) To pay for or provide to its participating Members coverage in
anticipation of any judgment or settlement resulting from a civil rights action
arising under federal law;
(f) To pay for or provide to participating Members coverage in
anticipation of any claims bill passed by the Legislature;
(g) To pay for or provide to participating Members coverage for any
other risk authorized under Florida law to be self-insured;
(h) To pay for or provide to participating Members all or a part of such
coverages.
This Agreement is not intended to create a partnership or other legal entity
whereby one Member assumes the obligations of another Member, or the
obligations of the Fund in general.
3.4 NON-ASSESSABILITY. Should a deficit develop in the Trust, after excess
reinsurance recoveries, whereby claims or other expenses cannot be paid,
each individual Member shall assume liability for the costs of claims brought
against that Member as if such Member were individually self-insured. Each
individual Member shall thereafter be responsible for its individual costs
including, but not limited to, claims administration without an obligation to, or
a right of contribution from, other Members.
3.5 POWERS. The Trust shall have all the rights, powers, duties and privileges
as set forth in Article VIII, Section 2 of the Florida Constitution, and Sections
163.01, et seq., 624.4622, 768.28(15)(a) and 111.072, Florida Statutes, and
any other applicable Florida Statutes, which are necessary to accomplish
the purposes described in Section 3.3, including but not limited to the
following:
(a) Securing the payment of benefits under Chapter 440, Florida
Statutes.
8
(b) Collecting premiums from Members for the purpose of paying for or
providing casualty, property, and liability coverage, and securing the
payment of claims associated therewith.
(c) Paying for or providing coverage for any other risk authorized under
Florida law to be self-insured.
(d) Paying for or providing all or a part of such coverages.
(e) To make, enter into, and arrange for insurance, reinsurance, excess
insurance, catastrophic insurance, stop-loss insurance, or any other
coverage as the Fund shall deem necessary and appropriate, without such
purchase being deemed a waiver of sovereign immunity.
(f) To pay, or approve the payment of, any expenses and fees
associated with the operation of the Fund.
(g) To indemnify and hold harmless any Trustee, officer of the Fund, or
any person acting on behalf of the Fund, to the fullest extent such
indemnification is permitted by law, against (1) reasonable expenses
actually and necessarily incurred in connection with any threatened,
pending or completed action, suit or proceeding, whether civil,
administrative or civil investigative, including any action, suit or proceeding
by or on behalf of the Fund, seeking to hold said person liable by reason of
the fact that he or she was acting in such capacity, and (2) reasonable
payments made by him or her in satisfaction of any judgment, monetary
decree or settlement for which he or she may have become liable in any
such action, suit or proceeding by reason of the fact that he or she was
acting in such capacity. This indemnification is not intended to, and does
not, waive any immunities provided to Members of the Fund, Trustees
serving in their capacity as Trustees to the Fund, or to officers or employees
of the Fund, by virtue of the laws of the state of Florida, but is merely in
addition to such rights, privileges and immunities. (Ref. 624.489 and
768.28, FS).
SECTION IV
ADMINISTRATION OF FUND
4.1 MEETINGS. The Board of Trustees shall meet at such time and in such
location as may be acceptable to a majority of the Board of Trustees. The
Chairman of the Board of Trustees or his designee shall set the date, time
and location of each meeting, and notice thereof shall be furnished to each
Trustee by the Chairman or his designee not less than ten (10) days prior to
the date of such meeting.
9
Such notice shall specify the date, time and location of such meeting and
may specify the purpose thereof, and any action proposed to be taken there
at. Such notice shall be directed to each Trustee by mail to the address of
such Trustee as is recorded in the office or offices of the Fund. In no event
shall the Board of Trustees meet less than quarterly.
The Chairman of the Board or any three (3) Trustees may call a special
meeting and direct the Administrator to send the prerequisite notice for any
special meeting of the Board of Trustees. Special meetings of the Board of
Trustees may be held at any time and place without notice, or with less than
the prerequisite notice, provided all Trustees execute a waiver of notice and
consent to said meeting.
For purposes of a duly called meeting of the Board of Trustees, a quorum
shall exist if a majority of the members of the Board of Trustees are present.
The Administrator shall keep minutes of all meetings, proceedings and acts
of the Board of Trustees, but such minutes need not be verbatim. Copies of
all minutes of the Board of Trustees shall be sent by the Administrator to all
Trustees.
4.2 VOTING. All actions by, and decisions of, the Board of Trustees shall be by
vote of a majority of the Trustees attending a duly called meeting of the
Board of Trustees at which a quorum is present; however, in the event of a
duly called special meeting, all actions by, and decisions of, the Board of
Trustees may be by vote of a majority of the Trustees present and attending
such special meeting if a proper waiver of notice and consent was obtained
as provided herein.
4.3 OFFICE OF THE FUND. The Board of Trustees shall establish, maintain and
provide adequate funding for an office or offices for the administration of the
Fund. The address of such office or offices shall be made known to the
units of local governments eligible to participate in, or participating in, the
Fund. The books and records pertaining to the Fund and its administration
shall be kept and maintained at the office or offices of the Fund.
4.4 EXECUTION OF DOCUMENTS. A certificate, document, or other instrument
signed by the Chairman or the Administrator of the Fund shall be evidence
of the action of the Board of Trustees and any such certificate, document, or
other instrument so signed shall conclusively be presumed to be authentic.
Likewise, all acts and matters stated therein shall conclusively be presumed
to be true.
10
4.5 APPOINTMENT OF ADMINISTRATOR. The trustees shall designate and provide
compensation for an Administrator to administer the affairs of the Fund. Any
Administrator so designated shall furnish the board of Trustees with a fidelity
bond with the Trustees as named obligee. The amount of such bond shall be
determined by the Trustees and the evidence thereof shall be available to all
units of government eligible to participate, or participating in, the Fund.
4.6 COMPENSATION AND REIMBURSEMENT OF TRUSTEES. The Board of Trustees may
from time to time establish a reasonable amount of compensation to cover
attendance at a duly called meeting by the Board of Trustees, or to cover the
performance of the normal duties of a Trustee. Such compensation shall
include reimbursement for reasonable and necessary expenses incurred
therewith.
SECTION V
NUMBER, QUALIFICATION, TERM OF OFFICE
AND POWER AND DUTIES OF TRUSTEES
5.1 NUMBER AND QUALIFICATION OF TRUSTEES. The operation and administration of
the Trust shall be the joint responsibility of a Board of Trustees consisting of
seven (7) Trustees. No Trustee may be elected who is, or continue to serve
as a Trustee after becoming, an owner, officer, or employee of a service
provider to the Fund. Each Trustee shall be an elected official of a Member.
No two (2) Trustees may be elected officials from the same Member. Each
Trustee shall serve for a period of four (4) years, or the balance of such
Trustee’s term of office as an elected official of the Member, whichever shall
first occur. A Trustee may serve successive four (4) year terms provided such
Trustee continues to remain an elected official of a Member. Each and every
Trustee named, and each successor Trustee, shall acknowledge and consent
to their election as a Trustee by giving written notice of acceptance of such
appointment to the chairman, or acting chairman of the Board of Trustees.
5.2 RESIGNATION AND REMOVAL OF A TRUSTEE. A Trustee may resign and become
and remain fully discharged from all further duties or responsibilities
hereunder, by giving at least sixty (60) days prior written notice sent by
certified mail, overnight delivery or other appropriate method of delivery to the
chairman or acting chairman of the Board of Trustees. Such notice shall state
the date said resignation shall take effect, and such resignation shall take
effect on the date designated unless a successor Trustee has been elected
at an earlier date as herein provided, in which event resignation shall take
11
effect immediately upon the election of such successor Trustee. Additionally,
oral notice of resignation may be given at any duly convened meeting of the
Trustees, which said oral notice of resignation shall be incorporated, and
made a part of, the minutes of such duly convened meeting. A Trustee may
be removed by a majority vote of the Board of Trustees or by a majority vote
of the Members. Any Trustee, upon leaving office, shall forthwith turn over
and deliver to the chairman or the secretary of the Trustees at the principal
office of the Trust any and all records, books, documents or other property in
such Trustees possession, or under such Trustees control, which belongs to
the Trust.
5.3 ELECTION OF SUCCESSOR TRUSTEES. Successor Trustees shall be elected by
a majority vote of the Board of Trustees. Nominations for the election of
Trustees may be made by the Board of Trustees or by any Member of the
Fund.
5.4 TRUSTEE TITLE. In the event of death, resignation, refusal or inability to act by
any one or more of the Trustees, the remaining Trustees shall have all the
powers, rights, estates and interests of this Trust and shall be charged with
its duties and responsibilities; provided, however, that in such case(s), no
action may be taken unless it is concurred in by a majority of the remaining
Trustees.
5.5 TRUSTEE OFFICERS. The Trustees shall elect from among themselves a
chairman, vice-chairman and secretary of the Board of Trustees. Such
officers shall be elected annually at the end of the fiscal year of the Trust, and
may succeed themselves.
5.6 POWER AND AUTHORITY. The Board of Trustees shall be charged with the duty
of the general supervision and operation of the Fund, and shall conduct the
business activities of the Fund in accordance with this Agreement, its by-laws,
rules and regulations and applicable federal and state statutes and rules and
regulations. In connection therewith, the Board of Trustees may exercise the
following authority and powers:
(a) To collect premiums from participating Members in an amount
individually agreed to by the Fund and said Members for the purpose of
paying for or providing the coverages provided in this Agreement to
participating Members.
(b) To pay for or provide such excess insurance or reinsurance coverage
as is necessary to accomplish the purpose of the Fund.
12
(c) To borrow funds, issue bonds and other certificates of indebtedness,
and arrange for lines or letters of credit to assist in providing the coverages
provided in this Agreement to participating Members.
(d) To pay for or provide appropriate liability and other types of insurance
to cover the acts of the Board of Trustees of the Fund.
(e) To contract with appropriate professional service providers to meet the
purposes of the Fund, and to expend funds for the reasonable operating and
administrative expenses of the Fund, including but not limited to, all
reasonable and necessary expenses which may be incurred in connection
with the establishment of the Fund, in connection with the employment of
such administrative, legal, accounting, and other expert or clerical assistance
to the Fund, and in connection with the leasing and purchase of such premise,
material, supplies and equipment as the Board, in its discretion, may deem
necessary for or appropriate to the performance of its duties, or the duties of
the Administrator or the other agents or employees of the Fund.
(f) To pay claims the Fund becomes legally obliged to pay pursuant to
the Coverage Agreements entered into by and between the Fund and
participating Members.
(g) To establish and accumulate as part of the Fund adequate reserves
to carry out the purposes of the Fund.
(h) To pay premiums on, and to otherwise secure or provide, insurance
products that are ancillary to the coverages authorized by this Agreement.
(i) To invest and reinvest funds that may come into the possession of the
Fund.
(j) To assume the assets and liabilities of the Fund.
(k) To take such actions and expend such funds as are reasonably
necessary to facilitate the cessation of the business of the Fund.
(l) To exercise such powers that are authorized to be exercised by
trustees under and pursuant to the laws of Florida.
(m) To take such other action and expend such funds as are reasonably
necessary to accomplish the purposes of the Fund.
5.7 APPROVAL OF MEMBERS. The Board of Trustees, after the inception of the
Fund, shall receive applications for membership from prospective new
participants in the Fund and shall approve applications for membership in
accordance with the terms of this Agreement, any Participation Agreement,
applicable federal and state statutes and rules and regulations, and the rules
and regulations established by the Board of Trustees for the admission of
new members into the Fund; provided, however, no prospective member may
13
participate in the Fund unless such prospective member is a public agency of
the state. As used herein, the phrase “public agency” includes, but is not
limited to, the state, its agencies, counties, municipalities, special districts,
school districts, and other governmental entities; the independent
establishments and constitutional officers of the state, counties,
municipalities, school districts, special districts, and other governmental
entities; and corporations primarily acting as instrumentalities or agencies of
the state, counties, municipalities, special districts, school districts, and other
governmental entities. The Board of Trustees shall be the sole judge of
whether or not an applicant for membership shall be eligible to participate in
the Fund; provided, however, the Board of Trustees may delegate the
functions associated with approval of Members to the Administrator.
5.8 REPORTING. The Board of Trustees shall be responsible for and shall cause
to be prepared and filed such annual or other periodic audits, reports and
disclosures as may be required from time to time pursuant to applicable
federal and state statutes and rules and regulations, including, but not limited
to, periodic payroll audits, periodic summary loss reports, periodic statements
of financial condition, certified audits, appropriate applications filed by
prospective new members, reports as to financial standings, payroll records,
reports relating to coverage, experience, loss and compensation payments,
summary loss data statements, periodic status reports, and any other such
reports as may be required from time to time to accomplish the purpose of
the Fund or to satisfy the requirements of appropriate governmental entities.
5.9 TRUSTEES’ LIABILITY. The Trustees and their agents and employees shall not
be liable for any act of omission or commission taken pursuant to this
Agreement unless such act constitutes a willful breach of fiduciary duties nor
shall any Trustee be liable for any act of omission or commission by any other
Trustee or by any employee or agent of the Fund. The Fund hereby agrees
to save, hold harmless and indemnify the Trustees and their agents and
employees for any loss, damage or expense incurred by said persons or
entities while acting in their official capacity on behalf of the Fund, unless such
action constitutes a willful breach of fiduciary duties.
5.10 RELIANCE ON COUNSEL’S OPINION. The Board of Trustees may employ and
consult with legal counsel concerning any questions which may arise with
reference to the duties and powers of the Board of Trustees or with reference
to any other matter pertaining to this Agreement or the Fund created thereby;
and the opinion of such counsel shall be full and complete authorization and
protection from liability arising out of or in respect to any action taken or
14
suffered by the Board of Trustees or an individual Trustee acting hereunder
in good faith and in accordance with the opinion of such counsel.
5.11 BY-LAWS, RULES AND REGULATIONS. The Board of Trustees may adopt and
enforce such by-laws, rules and regulations as between the Members of the
Fund and the Fund governing the operation of the Fund as are consistent
with the terms of this Agreement and as are reasonably necessary to
accomplish the purposes of the Fund.
SECTION VI
POWERS AND DUTIES OF THE ADMINISTRATOR
6.1 RESPONSIBILITIES. The Administrator shall have the power and authority to
implement the directives of the Board of Trustees and the policy matters set
forth by the Board of Trustees as they relate to the on-going operation and
supervision of the Fund, the by-laws, rules and regulations established by the
Board of Trustees, the provisions of this Agreement, and applicable federal
and state statutes, rules and regulations. The powers, duties and
responsibilities of the Administrator retained by the Board of Trustees shall
be set forth in an Administrative Agreement executed between the Board of
Trustees and the Administrator.
6.2 CONTRIBUTIONS. The Administrator shall deposit into the account or accounts
designated by the Board of Trustees, at the financial institution or institutions
designated by the Board of Trustees, all contributions as and when collected
from the Members and said monies shall be disbursed only in the manner
provided by this Agreement, the Coverage Agreements, the rules, regulations
and by-laws of the Board of Trustees, and the Agreement entered into by and
between the Board of Trustees and the Administrator.
SECTION VII
MEMBERS
7.1 MEMBERSHIP CANCELLATION, SUSPENSION OR EXPULSION. The Board of
Trustees shall be the sole judge of whether membership in the Fund may be
cancelled, or whether a member may be suspended or expelled from the
Fund; provided, however, the Board of Trustees may delegate the functions
associated with cancellation, suspension or expulsion of a Member to the
Administrator. Written notice of any such cancellation, suspension or
expulsion shall be provided by the Fund to the member no less than thirty
15
(30) days prior to the effective date of such cancellation, suspension or
expulsion, and no liability under this Agreement or any other agreement,
certificate, document, or other instrument executed by the Fund and the
member pursuant to this Agreement, shall accrue to the Fund following the
effective date of such cancellation, suspensions or expulsion. The minimal
notice provisions of this paragraph shall not apply in the event a member
fails to make the requisite contributions for coverages under this Agreement
when such contributions are due.
7.2 RESPONSIBILITIES OF MEMBERS. By execution of a Participation Agreement
agreeing to be bound by the terms and conditions of this Amended
Interlocal Agreement, each Member agrees to abide by the following rules
and regulations:
(a) The Trustees have the sole responsibility to govern and direct the
affairs of the Fund pursuant to this Agreement.
(b) Any Member who formally applies for Membership in this Fund, and
who is accepted by the Board of Trustees, shall thereupon become a party
to this Amended Interlocal Agreement and shall be bound by all of the terms
and conditions contained herein. The Participation Agreement shall
constitute a counterpart of this Amended Interlocal Agreement, and this
Amended Interlocal Agreement shall constitute a counterpart of the
Participation Agreement.
(c) To maintain a reasonable loss prevention program in order to
provide the maximum in safety and lawful practices as such may relate to
the potential liability assumed by the Fund under this Agreement or any
other agreement, certificate, document, or other instrument executed by the
Fund and the Member pursuant to this Agreement.
(d) To comply with the conditions of the Florida Workers’ Compensation
Law.
(e) To provide immediate notification in the event an accident or incident
occurs which is likely to give rise to a claim within the scope of this
Agreement, or any other agreement, certificate, document, or other
instrument executed by the Fund and the Member pursuant to this
Agreement.
(f) To promptly make all contributions for coverages arising under this
Agreement, or any other agreement, certificate, document, or other
instrument executed by the Fund and the Member pursuant to this
Agreement, at the time and in the manner directed by the Board of
Trustees.
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Said contributions may be reduced by any discount, participation credit, or
other contribution reduction program established by the Board of Trustees.
(g) In the event of the payment of any loss by the Fund on behalf of the
Member, the Fund shall be subrogated to the extent of such payment to all
the rights of the Member against any party or other entity legally responsible
for damages resulting from said loss, and in such event, the Member hereby
agrees, on behalf of itself, its officers, employees and agents, to execute
and deliver such instruments and papers as is required, and do whatever
else is reasonably necessary, to secure such right to the Fund, and to
cooperate with and otherwise assist the Fund as may be necessary to effect
any recovery sought by the Fund pursuant to such subrogated rights.
(h) The Board of Trustees, its Administrator, and any of their agents,
servants, employees or attorneys, shall be permitted at all reasonable times
and upon reasonable notice to inspect the property, work places, plants,
works, machinery and appliance covered pursuant to this Agreement, or
any other agreement, certificate, document, or other instrument executed by
the Member and the Fund pursuant to this Agreement, and shall be
permitted at all reasonable times while the Member participates in the Fund,
and up to and including two (2) years following the termination of its
membership in the Fund, to examine the Members’ books, vouchers,
contracts, documents and records of any and every kind which show or tend
to show or verify any loss that may be paid or may have been paid by the
Fund on behalf of the Member pursuant to this Agreement, or any other
agreement, certificate, document, or other instrument executed by the
Member and the Fund pursuant to this Agreement, or which show or verify
the accuracy of any contribution which is paid or payable by the Member
pursuant to the terms of this Agreement, or any other agreement, certificate,
document, or other instrument executed by the Member and the Fund
pursuant to this Agreement.
(i) The Fund is to defend in the name and on behalf of the Member any
claims, suits or other legal proceedings which may at any time be instituted
against the Member on account of bodily injury liability, property damage,
property damage liability, errors and omissions liability or any other such
liability, monetary or otherwise, to the extent such defense and liability has
been assumed by the Fund pursuant to his Agreement, or any other
agreement, certificate, document, or other instrument executed by the
Member and the Fund pursuant to this Agreement, subject to any and all of
the definitions, terms, conditions and exclusion contained in said
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agreements, or any other agreement, certificate, document, or other
instruments, although such claims, suits, allegations or demands are wholly
groundless, false, fraudulent, and to pay all costs taxed against the Member
in any such legal proceedings defended by the Fund or the Member, all
interest, if any, legally accruing before and after entry of judgment in such
proceedings, and all expense incurred in the investigation, negotiation or
defense of such claims, suits, allegations or demands. Such defense shall
be subject to the control of the Fund and its Administrator, which may make
such investigations and settlement of any such claim, suit, or other legal
proceeding, monetary or otherwise, as they deem expedient. The Member
agrees to cooperate fully with the Fund, its administrator and their agents,
with respect to the investigation, adjustment, litigation, settlement and
defense of any claim, suit, or other legal proceeding, monetary or otherwise,
which would be covered by the terms of this Agreement and/or any policies
of insurance, excess insurance or re-insurance which have been purchased
to provide protection against such claims and liabilities. The Member
acknowledges that failure to cooperate fully in the investigation, defense or
litigation of such claims, suits, or liabilities may constitute grounds for denial
of coverage pursuant to this Agreement and/or the applicable policies of
insurance.
(j) The liability of the Fund is specifically limited to the discharge of the
liability of its Members assumed pursuant to this Agreement or any other
agreement, certificate, document, or other instrument executed by the
Member and the Fund pursuant to this Agreement; the coverage of the
Fund does not apply to punitive or exemplary damages.
(k) Unless the Fund and the Member otherwise expressly agree in
writing, coverage by the Fund for a Member under the terms of this
Agreement, or any other agreement, certificate, document, or other
instrument executed by the Member and the Fund pursuant to this
Agreement, shall expire automatically on the last day of September of each
calendar year, and no liability under this Agreement, or any other
agreement, certificate, document, or other instrument executed by the
Member and the Fund pursuant to this Agreement, shall accrue to the Fund
beyond such expiration date unless such Member renews its coverage.
(l) Except as otherwise provided herein, a Member’s coverage may be
cancelled by the Fund or the Member at any time upon no less than thirty
(30) days prior written notice by the Board of Trustees or Administrator to
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the Member, or by the Member to the Board of Trustees. The notice shall
state the date such cancellation shall become effective.
(m) Excess monies remaining after the payment of claims and claims
expenses, and after provision has been made for the payment of open
claims and outstanding reserves, may be distributed by the Board of
Trustees to the Members participating in the Fund in such manner as the
Board of Trustees shall deem to be equitable.
(n) There will be no disbursements out of the reserve fund established
by the Fund by way of dividends or distributions of accumulated reserves to
Members until after provision has been made for all obligations against the
Fund and except at the discretion of the Board of Trustees.
(o) Qualified service providers, including attorneys selected by the Fund,
shall defend, investigate, settle and otherwise process and dispose of all
claims, suits, allegations or demands that may result in liability assumed by
the Fund on behalf of the Member pursuant to this Agreement, or any other
agreement, certificate, document, or other instrument executed by the
Member and the Fund pursuant to this Agreement.
(p) The Member, through the Board of Trustees, does hereby appoint
the Administrator as its agent and attorney-in-fact, to act on its behalf and to
execute all necessary contracts, reports, waivers, agreements, excess
insurance contracts, service contracts, and other documents reasonably
necessary to accomplish the purposes and to fulfill the responsibilities of the
Fund; to make or arrange for the payment of claims, claims expenses, and
all other matters required or necessary insofar as they affect the matters
covered pursuant to the terms of this Agreement, or any other agreement,
certificate, document, or other instrument executed by the Member and the
Fund pursuant to this Agreement, and the rules and regulations now or
hereafter promulgated by the Board of Trustees.
(q) To make prompt payment of all contributions and penalties as
required by the Board of Trustees, said contributions or penalties to be
determined by the Board of Trustees. Any disputes concerning
contributions or penalties shall be resolved after the payment of said
contributions or penalties.
(r) To pay reasonable penalties as determined by the Board of Trustees
for late payment of contributions required under this Agreement, or any
other agreement, certificate, document, or other instrument executed by the
Member and the Fund pursuant to this Agreement.
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(s) Coverage by the Fund under the terms of this Agreement, or any
other agreement, certificate, document, or other instrument executed by the
Member and the Fund pursuant to this Agreement, shall expire and be
cancelled, upon no less than ten (10) days prior written notice from the
Fund to the Member, for nonpayment of contributions.
SECTION VIII
ACCOUNTING
SECTION IX
DURATION
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SECTION X
This Agreement may be amended upon the written consent of the Members of the
Fund. Execution of a Participation Agreement or renewal of coverages provided by
the Fund shall constitute such written consent.
The Trust shall at all times act in accordance with the provisions of statutes, rules
and regulations of the State of Florida.
ROHIBITION AGAINST ASSIGNMENT. No Member may assign any right, claim,
or interest it may have under this Agreement, or any coverage term, and no
creditor, assignee, or third-party beneficiary of any Member shall have any
right, claim, or title to any part, share, interest, funds, or assets of the Trust
except as specifically may be agreed to by the Trust.
PPLICABLE LAW. This Agreement shall be governed by and construed in
accordance with the statutes, rules and regulations of the State of Florida,
and all questions pertaining to its validity, construction, and administration
shall be determined in accordance with the laws of the State of Florida.
NFORCEMENT. The Trust and its Members shall have the power to enforce
this Agreement by action brought in any court of appropriate jurisdiction within
the State of Florida.
EVERABILITY. If any term or provision of this Agreement, or the application
of such term or provision to any person or circumstance, shall to any extent
be invalid or unenforceable, the remainder of this Agreement and the
application of such term or provision to persons or circumstances other than
those to which it is held invalid or unenforceable shall not be effected, and
each term or provision of this Agreement shall be valid and enforceable to the
full extent permitted by law.
CONSTRUCTION. Whenever any words are used in this Agreement in the
masculine gender, they shall be construed as thought they were also used in
the feminine or neutral gender in all situations where they would so apply.
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Whenever any words are used in this Agreement in the singular, they shall
be construed as though they were also used in the plural from in all situations
where they would so apply. Whenever any words are used in this Agreement
in the plural form, they shall be construed as they thought were used in the
singular form in all situations where they would so apply.
12.6 FISCAL YEAR. The Fund shall operate on a fiscal year from 12:01 a.m.,
October 1, to midnight the last day of September of the succeeding year.
Application for membership, when approved in writing by the Board of
Trustees or its designee, shall constitute a continuing contract for each
succeeding fiscal year unless cancelled by the Board of Trustees or the
participating Member in the manner herein provided.
By execution of the attached Participation Agreement or renewal of coverages
provided by the Fund, and upon acceptance by the Board of Trustees, or their designated
agent, the Member agrees to be fully bound by the terms and conditions of the Amended
Interlocal Agreement, effective October 1, 2004, and thereafter.
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AMENDMENT “A” TO THE
Section X of the Amended Interlocal Agreement Creating The Preferred
Governmental Insurance Trust (alternatively “Preferred”, “Fund” or “Trust”) provides that the
Interlocal Agreement may be amended by the members of Preferred, and that execution of
either a Participation Agreement or an Agreement for Renewal of Coverage shall constitute
written consent to such amendment; and
, in order to protect the integrity of Preferred, its continued success and provide
security as to its operation and administration, it is essential that the provisions of the Interlocal
Agreement, relating to who may serve as a Trustee of Preferred, be fully compliant with
applicable Florida Statutes;
, by execution of a Participation Agreement or Agreement for Renewal of
Coverage, the Members of Preferred do hereby amend subsection 5.1 of the Amended Interlocal
Agreement to read as follows:
The operation and administration of the
Trust shall be the joint responsibility of a Board of Trustees consisting of seven (7) Trustees. No
Trustee may be elected who is, or continue to serve as a Trustee after becoming, an owner,
officer, or employee of a service provider to the Fund. Upon initial election to the Board of
Trustees, a Trustee shall be a local elected official of a member of the Trust. No two (2) Trustees
may be local elected officials from the same governmental entity. Each Trustee shall serve for a
period of four (4) years, or the balance of such Trustee’s term of office as a local elected official.
Following a Trustees’ initial term of office, such Trustee may continue to serve as a Trustee of
Preferred provided: (1) such Trustee holds an office as an elected local official (as required by s.
624.4622(1) (d) Florida Statues); and (2) a majority of the Board of Trustees, in their sole
discretion, determine that it is in the best interest of the Trust that such Trustee continue to serve
as a Trustee of Preferred, and so elects such Trustee to continue to serve a successive term, or
terms. Each and every Trustee named, and each successor Trustee, shall acknowledge and
consent to their election as a Trustee by giving written notice of acceptance of such election to
the Chairman, or acting Chairman, of the Board of Trustees.
Effective Date: October 1, 2013
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AMENDMENT “B” TO THE
Section X of the Amended Interlocal Agreement Creating The Preferred
Governmental Insurance Trust (alternatively “Preferred”, “Fund” or “Trust”) provides that the
Amended Interlocal Agreement may be amended by the members of Preferred, and that
execution of either a Participation Agreement or an Agreement for Renewal of Coverage
shall constitute written consent to such amendment; and
, due to legislative changes to Florida Statutes over time, it is necessary to
amend certain provisions of the Amended Interlocal Agreement to be fully compliant with
applicable amended Florida Statutes;
, by execution of a Participation Agreement or Agreement for Renewal
of Coverage, the Members of Preferred do hereby amend the Amended Interlocal
Agreement set forth as follows:
1. Sections 3.1 and 3.5 of the Amended Interlocal Agreement, references to Section
768.28(15)(a), are hereby amended and restated to read 768.28(16)(a).
2. Section 7.2(u) of the Amended Interlocal Agreement is hereby fully amended and
restated as follows:
Each Member voluntarily transfers to the Trust any rights and privileges such
Member enjoys under the laws of the State of Florida, including Sections 163.01,
and 768.28, Florida Statutes, and specifically those statutory provisions pertaining
to such Member’s sovereign immunity and the applicable limitations of the Member’s
liability set forth therein as amended from time to time. The purchase of insurance
or indemnity hereunder shall not be deemed or be construed as a waiver of
sovereign immunity by the Members.
3. Except as expressly modified and amended hereby, the terms and conditions of the
Amended Interlocal Agreement are hereby ratified and affirmed and shall remain in full force
and effect, and the parties promise to continue to perform all obligations of the Amended
Interlocal Agreement.
Effective Date: October 1, 2025