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Exh 8A~ +r _ ---- ~ Jz ~~.. ~ :~, - r= CITY OF ATLANTIC BEACH CITY COMMISSIONER MEETING STAFF REPORT SUBJECT• Approval of Independent Risk Management Consultant AGENDA ITEM: Yes ACTION REQUESTED: Agenda Item: Date: ~ - 99 That City Commissioners approve award of a $9,500 maximum fee contract to Waters Risk Management in accordance with the attached Request for Proposal (RFP). DISCUSSION AND/OR BACKGROUND: The RFP was advertised and a copy sent to eight (8) consultant firms with two (2) responses received. ~` Based upon a review of the two responses received, it was determined that both firms were qualified; however, based upon the lower fixed cost ($2,500 less) and after a check of references, the consultant firm of Walters Risk Management is recommended as the Risk Management Consultant. Additionally, 1. Risk management consultants are a very specialized type of consultant with few having experience with governmental agencies. 2. The City of Fernandina Beach received only three replies to a similar RFl' that they sent out in April 1998. Waters Risk Management was awarded the contract based upon Fernandina Beach's competitive bid process. 3. Waters Risk Management previously performed the evaluation and bid process for the City's employee benefits (health and life insurance) that were effective October 1, 1998. SUBMITTED BY: George A. Foster, Human Resource Manager FUNDING: Funds in the amount of$10,000 were approved within the 1998/1999 budget under Other General Government, Other Contract Services, account number: 001-1009-519-34.00. REVIEWED BY CITY MANAGER: Attachments: 1. Newspaper advertisement and RFP 2. Bid documents -Waters Risk Management 3. Bid documents -Silver Insurance Consultants .• ~ y J r + ITY OF ~E'a.rtiC i~'eat`i - ~~da 12P0 RAAI)1'11'F:k LnNh: n'1-LnN'1'IC Ell:n(~Fi, Fi,c-Ittl)n ataaa•;:Thi 1'F:I.F:1 ~H t )N F: t iltl.l t Y•t i = ,-i 1 h January 13, 1999 CITX OF ATJ.ANTZC BEACH REQUEST I'OR PROPOSALS FOR IIiDEPENDENT RISK MAtr'ACEMENT CO,ISULTING SERVICES Notice is hereby given that the City of Atlantic Beach, Florida, iy accepting sealed proposals submitted in triplicate, at the Office of the Purchasing Agent, 1200 Sandpiper Lane, Atlantic Beach, Florida 32233, uncil 4:30 PM, Wednesday, February 10, 1999, for an independent: Ritik Management Consulting Firm to: n) Identify and analyze the City'e xieks, and b) Evaluate the City's current insurance (excluding employee benefits), and c) Prepare a proceaJa to obtain bids from insurance sources, and ~+ d) Evaluate bidJS and make recommendations for award of insurance. RQquest>; Sor Information should be directed to the Human Resource Manager, 800 Seminole Road, Atlantic Beach, FL 32233, telephone (904) 247-5800. FLORIAA TIMES-UNION: Please publitsh, two columns wide, in the LEGAL SECTION, on Sunday, January 17, 1999. Submitted by Joan LaVake - 247-5$18 ~' i ~ 7 ~ CITY OF ATLANTIC BEACH Request for Proposals for Independent Risk Management Consulting Services I. Background and Intent: This request for proposals is to engage the services of an independent risk management consulting firm to perform the following functions: 1. Identify and analyze the City's risks through a risk management interview, possibly a tour of facilities, and a review of the current insurance programs; and 2. Evaluate the City's current insurance (excluding employee benefits, i.e., Health, Life, etc.) and make recommendations as to coverages and/or changes needed, if any; and 3. Prepare a process to obtain bids from various insurance sources for the City's competitive solicitation for insurance as deemed required in functions "1" and " 2" above. The consultant shall indicate the steps to be taken along with a description of each to be performed, requirements of the City during the process, and a timetable for performing the project. Said insurance shall be t effective October 1, 1999; and t 4. Upon receipt of competitive responses; the consultant shall evaluate them, provide a written report as to the consultant's purchase recommendations, and be available to present purchase recommendations to the City Commission. Note: The City expects that no more than rivo trips to Atlantic Beach tivill be necessary. II. Consultant Background: The consulting firm to be engaged must be an independent consulting fum (not to be confused with an independent insurance agent). The firm must not be engaged in sales or brokerage of insurance, self-insurance or third party administration services and must not be a subsidiary or an affi]iate of an insurer, agency, brokerage firm or third party administrator. The fum shall in its proposal make a statement regarding its independence. III. Proposal Content: 1. The firm shall describe the range of its available consulting services, including risk management audits/reviews (not merely insurance reviews), preparation of requests for proposals, analysis of proposals received and presentation of purchase recommendations and self insurance feasibility studies. I ti 2. The firm shall describe its experience in risk management independent consulting ~~ including the number of years engaged in independent consulting (this does not include advice given while acting in the capacity of insurance agent/broker, insurer or third party administrator) and the range of services provided. Descriptions should include the breadth of consulting experience in property, liability (generaUauto/etc.) and Workers' Compensation. 3. The firm shall provide the professional credentials of the consultant(s) who will provide services to the City, including degrees, designations, relevant risk management/insurance experience (in independent consulting and in the insurance industry) professional designations, education, continuing insurance education, etc. 4. Firms shall provide their fee basis for performing functions 1 through 4 as listed within section "I. Background and Intent", indicating how charges are made. For example, hourly rateslfees, including any minimums, maximums or flat fees charged, and how expenses are charged (with specific indications of whether the firm charges for long distance telephone calls, postage, printing, travel, lodging, meals, etc.). If there is a charge for travel time, indicate the basis for such. Also indicate the frequency and timing of billing. 5. Firms shall provide at least three (3) references of companies, preferably other governmental municipalities or cities, for whom the firm has completed work or provided a product of a comparable size and nature. YV. Data Available: It is understood that the City can and will make available, as requested by the consultant, information such as: 1. Insurance programs. 2. Premium claims experience. 3. Schedules and other background information and rating data. 4. Budget and financial information. 5. Description of loss control/safety programs. V. Selection Criteria: Selection of consultant shall be based on the following standards: 1. Responsiveness of the written proposal to the purpose and scope of the project. 2. Reputation and professional qualifications of the individual(s) assigned to complete the project. 3. Experience with governmental entities. ~, 4. Fees for work to be done. 5. Timeliness for completion of the project. 6. Adherence to requirements and conditions of the request for proposals. 7. References. .~ VI. Termination The agreement may be terminated by the City with or without cause at any time upon written notice to the consultant. In the event that such termination should take place at an time other than at the completion of the work to be performed under the agreement, the consultant shall be paid for the work performed to the date of termination. VII. General Information: The City of Atlantic Beach has a population of about 14,000 and about 120 full time employees. City services include police; fire services; water, wastewater and sanitation utilities; and a parks and recreation program. The City has about 85 vehicles. Approximately 78 items are listed on the Composite Property Schedule which includes 25 Lift Stations, 12 buildings, and other small structures buildings. The request for proposals does not commit the City to award any agreement, to pay any costs incurred in preparation of the proposal or to procure or contract services and supplies. All costs directly or indirectly incurred in response to this request shall be the sole responsibility of and shall be borne by respondents. The City may require interviews at a later date; may require the proposer selected to participate in negotiations and submit such negotiations. The City reserves the right to waive technicalities and irregularities or to reject any or all proposals in whole or in part, with or without cause, and to accept that proposal, if any, which in the City's judgment will be in the City's best interest. Questions regarding this Request for Proposals or to specifications in this proposal should be addressed to George Foster at (904) 247-5890 or faxed to him at (904) 247-5805. CURRENT LISTING OF INSURANCE General Summary: Se e attachment 1. Specific Policies: 1. General Liability ($1M/$SM). See attachment 2. 2. Public Officials Liability. See attachment 3 3. Workers Compensation. See attachment 4 4. Automobile. See attachment 5 5. Property and Allied Coverages. See attachment 5 6. Environmental Pollution. See attachment 6 7. D-5 AIG AD&D Statutory Death -Fire and Police. 8. A-3 Bonds for Finance Director. N/A (..., 9. A-4 Boiler & Machinery. N/A 10. Storage Tank Liability and Corrective Action policy 11. Fiduciary, Pension Board. N/A N/A N/A t ~ . r o ~ ~ $ •o o c + O o. v: ~ ~ r~ y ~ + y y + w A ~ ~" . ~ !'V y ~ M O .~. ~ ~ h OHO v NNN-. oNO ONO O ~n N N C O O I' ~ vbi O `c' C~ ~ vw ~ ~ G~ C~ I'~ CO ~-• .-. .-• H M .. `cT ~t y df M 4"! r' ((....~~ y d! y 6'? df df df 69 d! y df df Erg y ~Nr ~ i~ O O~ ~{.p~ ,... ~ O O O O O O O O O O O O O .~-. N N tN°1 M Q H y 6'f fI! d! . i ~ ~ ~ ~ pp .. .-. 00 O tO•c~~ O a\ ~ sue~{{ vpi oho v N cV o0 0o O "" N N N fO~ ONO 000 N M f~•Y pct r+ -•' y p "" '~' y y y 4'! b9 V! fR V! 69 69 6~'! y y dT y y y erf t/f C7 Ar ri V'f N t/'1 00 Vl 00 "" ~ N O ~ ~ O q ~r Or C b OHO .M. O a r! a E..: Q aW ~ °oo o ° U t=.o ~ ~ <o C7 ~ U Ci ... ~ •° R.r U h pp ty1 R. CD ~ ~ O eD in ~ •~ H C7 E~ ~ cn a ~ v ~ ~ p `e v~ ~ v c"i .~ 8 ~ ~ G p C7 ~ u ~u b ~T ~•a`3•aac ~£-' ~ eini' w .~ ao ~ ~ a c .. n o ~ ,r o y U b U v ~ .~ ~ v ~ ~ b Oi ~ p ~ ~' O. ~ .-. b~? p L. C1..b U `~ O ~ ~o ~CyD ~ CY N ~• ~, 7 .O O ~ y a V ~Nu t~ A q ~ O-~D 1>J A o ~cs • X...1 v W ~ •~ q o , t,9 po ~ .dry V ' cu>o o ~ ~ . ~ ~ 0.o . O 00 r~i O ./'1 ~• ~33~ .--. U> ~° ~°- O •~ v d~ « 1 ~ b r ~~ G U~ ti". d ~ -r'' O A ~ < y ~ ~ W ts~ .`~ ~ -ra- N trf en to to ~. t~ N < t/~ w to < W t/~ G. 11 V v >' ~ ~ ~ ~ S ~ ~ ~ ~ `' L= ~ c° ~ ~ X C.1 q N -. J O ~ ~ r ~ •~ O ~ rj c.0-1 •D ~' •°c3 •'~ ~ b O ~ j Y ~' ~ A .U.. •O ~v ~ ~<::a v v 3v r c7 :a c~oa ~a is ~ ¢ <~ A<Na• ~ A oo a. oo a oo a oo ~ oo a` o+ ~ e. oo c~ o0 0. oo ~+ O 0 0 0 0 0 0 0 0 0 0 0 •~ a o. ~ o, ~ a rn °. °. c+ c W~ ~ rn o. 0 0 o. o. 0 0 rn 0 ~ 0 ~, rn 0 0 rn a 0 0 c. 0 ~ 0 h 0 a. 0 ~ 0 0 0 0 0 ATCH 1 ~ ~ • Y, 7 GENERAL LIABILITY ~' l Term: Comoanti: ~.imits of Liabilit}~ Primary + Excess Bodily Injury and Property Damage General Aggregate Coverages: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Law enforcement operations EMTlParamedic professional services Premises operations Products and completed operations Fire legal liability $50,000 Medical expense limit $5,000 "Insured" contracts Host liquor law liability Broad form property damage Watercraft liability (under 51 feet) Notes of Importance: October 1, 1998 to October 1, 1999 Coregis Insurance Group (Rated A IX by A. M. B est) $1,000,000. perperson/peroccutrence $5,000,000, annually 11. Limited worldwide coverage 12. Additional persons insured 13. Extended bodily injury 14. Incidental medical malpractice 15. Employee benefits liability ($1,000 deductible, claims-made basis)-Retro date 10-01-95 16. No fault sewer back-up ($5,000 per occurrence) 17. Failure to supply water $250,000 • Standard policy exclusions include, but are not limited to public officials liability; pollution (including asbestos). • "Primary" bodily injury and property damage liability provides full tort liability based on Florida sovereign immunity limits under F.S. 768.28. • "Excess" bodily injury and property damage liability is limited to legislative "claims bills" and claims subject to federal orout-of--state jurisdictions. • Defense costs and attorney's fees are paid in addition to the limits of liability. • Liability deductibles, if applicable, apply only to judgements or settlements. • Premium is not audited. ATCH 2, PAGE 1 ~ ~ f y r LTABxLxTY COVERAGE EXTENSIONS The following extensions significantly broaden coverage for your public entity. These coverages are included at no additional cost to you. 1. "Bodily Injury" definition includes shock, mental anguish, mental injury'and humiliation. 2. "Personal Injury" includes false or improper service of process, violation of property rights, discrimination, and violation of civil rights. Related to law enforcement, the definition also includes assault and battery, and false or improper service of process. 3. Liability claims of inverse condemnation are covered. 4. Expanded definition of "Who is Insured" to include governmental subdivisions, elected and appointed officials, employees, and volunteers. 5. Emergency Medical Technicians and Paramedics are covered for bodily injury, property damage, and personal injury claims arising out of emergency health care services provided by them. 6. Contractual liability assumed in any joint powers or mutual law enforcement agreements. 7. Authorized secondary employment (moonlighting) for law enforcement officers. ATCH 2, PAGE 2 ~ L , ' y J ~J PUBLxC OFFxCIALS LYA.BxLxTX Term: Compaq; October 1, 1998 to October 1, 1999 Coregis Insurance Group (rated A IX by A. M. Best) Limits of Liability: General Aggregate etention: $1,000,000. each loss $1,000,000. annually $2,500, per loss Coverages: 1. Claims-made policy form with full "Prior Acts" coverage included. ~~ 2. Duty to defend form. 3. Includes employment benefits (back wages, future wages, and salaries and bonuses). 4. Enhanced employment liability to included sexual molestation. 5. Non-monetary defense costs reimbursement 6. Outside board activities extension. Notes of Importance: • Defense costs do not erode the limits of liability. • The extended reporting period option is 12 months for 50% of the policy period premium. • This quotation is subject to receipt and approval of properly completed application prior to binding. ATCH 3 ~ ~ ~. t T ~VVORKERS' COMPENSATXON GUARANTEED COST Term: October 1, 1998 to October 1, 1999 • surer GRIT l Class Code Description Rates Estimated Payroll Estimated Premium 5509 CT-Street/Road Maintenance-Muni. 9.04 258 571. 23 375. 7380 Drivers/Chauffeurs/Hel ers NOC 9.83 16 973. 1 668. 7520 Waterworks O eration & Drivers 5.68 351 874. 19 986. 7704 Firefi hters & Drivers 8.27 555 184. 45 914. 7720 Police Officers & Drivers 7.22 951334. 68 686. 8380 Automobile Service or Re air Cent. 6.33 101 934. 6 452. 8742 Sales ersons-Outside 1.10 12 718. 140. 8810 Clerical OfliceEm to ees NOC .56 748 253. 4 190. 8831 Hos ital-Veterina & Drivers 3.22 22 805. 734. 9015 Buildin s NOC-O eration b Own. 8.92 72 479. 6 465. 9102 Parks NOC-All Em to ees ~ 7.70 69 792. 5 374. 9403 Garbage Collection & Drivers 16.11 3,752. 604. 9410 Munici al Townshi Coun /State 11.87 300 796. 35 705. TOTALS 3 755 897. 239,783. Estimated Manual Premium Employers' Liability $1,000/$1,000/$1,000 Safety Credit 2% Drug Free Workplace 5% Experience Modification .97 GRIT Discount 25% Stock Volume Discount Estimated Direct Premium Expense Constant Estimated Total Premium ($ 4,616.) ($11,308.) ($ 6,446.) ($52,103.) ($17,450.) $230,783. $ $226,167. $214,859. $298,413. $156,310. $138,860. $ lso. $139,040. emotes ofImportanceofImportance: Experience modification factor is subject to verification. The final amount of credit is dependent upon compliance with program requirements. 'Final premium subject to payroll audit. ATCH 4 ~ ~ , ti DECLARATIONS (Continued) pg• 2 City of ` Atlantic Beach EMIT # 018 ~ October 1, 1998 -September 30, 1999 ~ V. EMIT COVERAGE SECTION X A Indemnity Agreement X B FMIT Coverage Agreement . . ~ Premium Basis Deductible/Type Limit Net Premium GenerallProfessionall_iability n/a n/a Na Population: nla a. Errors 8~ Omissions Liability n/a n/a Na aa. Supplemental Employment Practices Liability n/a Na nla b. Employee Benefits Program Administrations Liability n/a n/a n/a c. Medical Attendants'/Medical Director's Malpractice Liability Na ~ n/a Na d. Broad Form Property Damage ~ n/a nla n/a . e. Premises Medical Payments n/a n/a n/a (~~ f. Law Enforcement Na n/a n!a Exclusion Full Time with Arrest Powers: n/a n/a Full Time without Arrest Powers: n/a n/a Part Time with Arrest Powers: n/a Na Part Time without Arrest Powers: n/a nla Clerical: n/a n/a Dogs: n/a n/a Horses: n/a n/a g. Extra Contractual Legal Expense n/a nla n/a aX Automobile h. Automobile Liability Per Schedule $0 $300,000 $32,863 Number of Vehicles: 83 i. Uninsured Motorists Protection n/a n/a j. Personal Injury Protection 510,000 Included k. Automobile Medical Payments n/a Na I. Automobile Physical Damage Cvg. Per Schedule Per Schedule n/a $9,539 Additional Designated Members Clerk of the Court Tax Collector Property Appraiser ATCH 5, PAGE 1 ,, ~ , , ~ 1 DECLARATIONS {Continued) ,^~ City of Atlantic Beach FMIT # 018 1 ~ October 1, 1998 -September 30, 1999 Premium Basis Deductibleffype Q Supervisor of Elections . ~ Sheriff Property and Allied Coverages Real Property Per Schedule Personal Property Coinsurance: 90% Valuation Basis: Agreed Amt. Basis of Value: Blanket Inflation Guard: No Annual Percentage: n/a Inland Marine Blanket: Yes Electronic Data Processing ~, Coinsurance: 90% Crime/Bonds Money & Securities -Loss Inside - Loss Outside Depositors' Forgery Bond Type Honesty Blanket Bond Honesty Blanket Position Faithful Performance Blanket Bond Faithful Performance Position Bond Time Element Business Income Coinsurance: n/a Extra Expense Valuable Papers Accounts Receivable l ~ a Workers' Compensation Indemnity Agreement Employers Liability Payroll: n/a x1,000 $1,000 Per Schedule $250 Per Schedule 30 30 30 Limit Blanket Included $324,902 Per Schedule Per Schedule Per Schedule Per Schedule Per Schedule n/a Per Schedule n/a n/a Per Extension Per Extension Per Extension pg. 3 Net Premiun $48,077 I Included included Included Included Included Included Included Included n/a Included n/a n/a Included Included Included n/a ~ Statutory 31,000,000 Each Accident 31,000,000 Each Disease 31,000,000 Aggregate by Disease ATCH 5, PAGE 2 n/a i , ~ ~~ r ~ DECLARATIONS (Continued) pg. 4 City of Atlantic Beach EMIT # 018 October 1, 1998 -September 30,1999 VI. SPECIAL PLANS Deductibles ^ E. ~ Workers' Compensation & Employers Liability ^ E. Bodily Injury, Property Damage, Personal Injury, Advertising Liability ^ F. Deductible Stoploss Endorsement (Refer to Endorsement F) Specific Excess Coverage ^ G. Specific Excess Workers' Compensation Insurance Endorsement ® H. Specific Excess Endorsement -Liability ^ I. Specific Excess Endorsement/Selflnsured Retention Members -Liability ^ J. Specific Excess Endorsement/Selftnsured Retention Members - LiabilitylDefense Costs Aggregate Excess Coverage ^ K. Aggregate Excess -Workers' Compensation Insurance Endorsement ^ L. Aggregate Excess Liability Insurance Endorsement ^ M. Aggregate Excess Endorsement-All Lines ~' VII. OTHER ' ®O Windstorm And Hail Deductible Endorsement ^ • ~' ATCH 5, PAGE 3 ', PUBLIC ENTITY ENVIRONMENTAL INStTRANCE PROGRAM Term: Company: Limits ofLiabilit~ General Aggregate peductible: insured Locations: October 1, 1998 to October 1, 1999 United Capitol Insurance Company (Rated A VII by A.M. Best) $1,000,000 per occurrence $1,000,000 annually $10,000 per occurrence 1. Wastewater TreatmentlWater Treatment ~~ Coverages: 1. Claims-made policy form. Retro date is effective date. 2. Coverage is applicable only to specified sites (except for spraying operations). 3. Third party pollution liability. 4. On-site cleanup. 5. Loading, unloading, and contingent transportation. emotes of Importance: • Coverage specifically excludes, but is not limited to: 1. Known conditions. 6. Property damage to property 2. Intentional acts. owned, leased, operated, or in the 3. Punitive damages. care, custody, or control of 4. Insured vs. insured. insured. 5. Asbestos. • A full, completed application is required before binding. • Premium not subject to audit. ATCH 6 ~ ~ ~ ~ T ~ 1 A RISC 112Al~TAGETI~CEI`~'I' C~IoTS1UL~C~TG SERVICES PR®P®SAL ~3Y WATERS RISK 1VI~ANE4GE1VgENT F®~2. CI'~~' ~F A'~L.~.I~T'~IC ~]~~.~~~ FEBRUARY 1999 r f ~ • ~' WATERS RISK MANAGEMENT ?300 PARK STREET NORTH SEMINOLE, FL 33777-4601 TELEPHONE (727) 397-8665 FACSIMILE (727) 397-3585 Allan Paul Waters, CPCU,CLU,ARM,AIC 1-iember, Society of Risl: hianavement Consultants J. Hayden Knowlton, CPCU,ARM,AIC Member, Societ~• ofRisk hianagement Consultants February 8, 1999 Mr. George Foster Human Resource Manager City of Atlantic Beach 800 Seminole Road Atlantic Beach, Florida 32233-5445 Re: Request for Proposals for Independent Risk Management Consulting Services Dear George: Thant: you for a copy of the City's Request for Proposals for Independent Risk Management Consulting Services. As you are aware from our previous work for the City of Atlantic Beach, Waters Risk Manage- ment is an independent risk management/employee benefits consulting firm founded in 1978 and ~, specializing in public entities. It has been our pleasure to previously serve the City of Atlantic Beach, having performed the RFP process for the City's 1995 property/casualty insurance pro- gram and for the 1997 group benefits program. In recent years we have also performed a variety of consulting services for the Cities of Jacksonville Beach and Neptune Beach, the Florida Community College at Jacksonville and Clay CountS~. We are currently engaged for assignments for Jacksonville Beach and FCCJ. It is important for persons reviewing this proposal to know that we do not sell insurance or self- insurance and we are not affiliated with agents, brokers, insurers or third party administrators. You may be assured of our objectivity in any work performed. Enclosed with our proposal are copies of our professional credentials, public entity client refer- ences and other information which may be of interest to you in considering our proposal: Although we attempted to propose services eve think may be desired, we are willing to revise our proposal if the City should prefer to do so. It would be our pleasure to again perform these valuable services for the City of Atlantic Beach. Sincerely, aul Waters CPCU,CLU,ARM,AIC db ~' WATERS RISK MANAGEMENT INDEPENDENT RISK MANAGEMENT CONSULTING SERVICES The format of this proposal is intended to follow the City's RFP. I. BACKGROUND Al\TD Il\'TENT It is our understanding that the objective of the City of Atlantic Beach is to engage the services of an independent risk management consulting fum to perform the following functions: 1. Identify and analyze the City's risks through a risk management interview, possibly a tour of facilities, and a review of current property/casualty insurance programs. 2. Evaluate the City's current insurance (excluding employee benefits) and make recom- mendations as to coverages and/or changes needed, if any. 3. Prepare a formal Request for Proposals to solicit competition for the City's prop- erty/casualty insurance (excluding employee benefits) to be effective October 1, 1999. 4. Receive and review the competitive responses, prepare spreadsheets and a written report .. as to the consultant's purchase recommendations, and be available to present the recom- mendations to the City Commission. With respect to steps 1 and 2, Waters Risk Management's time and expense can be minimized because.we performed these steps in 199 prior to prepazation of a RFP for the City's prop- erty/casualty insurance. It may not be necessary for us to again tour City facilities because we performed this function previously. However, since the insurance policies have been updated, we plan to at least conduct a telephone interview regazding the City's exposures in conjunction with our review of the current policies. Our recommendations can be provided in letter format report, or automatically incorporated as options within the RFP process. As to steps 3 and 4, the remarketing process, we shall subsequent to the interview and insurance policy review, develop a draft RFP incorporating all current coverages, and any new coverages for which proposals should be considered, and any options such as different amounts and types of coverage, different deductibles, etc. The City will be expected to provide up-to-date sched- ules of property, vehicles, budget, payroll and other rating data required by insurers, as well as current premium/claims information for inclusion in the RFP. As drafts aze updated they will be sent to the City for review prior to preparation of the final RFP and Proposal Summary format. When proposals are received, a complete copy of each proposal will be forwarded to the consult- ants, and after we have reviewed and spreadsheeted them and obtained verification/clarification from proposers, we shall discuss them with staff, the options proposed and the purchase recom- mendations. A written report will be provided and we shall be available to present the report di- rectly to the City Commission as we did in 1995. Our special value is that we do this many times each year, whereas even full time risk managers usually do not get involved in competitive solicitations more than every three to five years. Attached is a timetable for the project. ., II. CONSULTANT BACKGROUND Waters Risk Management is an independent consulting firm which is not engaged in sales or. brokerage of insurance, self-insurance or third party administration services and is not a subsidi- ary or an affiliate of an insurer, agency, broker or third party administrator. III. PROPOSAL CONTEI\TT 1. Waters Risk Management's range of available consulting services includes risk management audits/reviews (not merely insurance reviews), preparation of requests for proposals, pro- posal analysis and presentation of purchase recommendations, self-insurance feasibility studies and ongoing services on a wide range of risk management/employee benefits issues. 2. Waters Risk Management has been engaged in independent risk management/employee benefits consulting since 1978 (21 yeazs). Throughout our history we have performed a wide range of property liability/workers compensation and employee benefits consulting, includ- ing audits/reviev~~s, RFPs, feasibility studies, special projects, etc. 3. Professional qualifications are provided for Al Waters, CPCU,CLU,ARM,AIC and Hayden Knowlton, CPCU,ARM,AIC, both of whom have been and will be involved in providing consulting services to the City. Both have been involved in providing the full range of risk management and employee benefits consulting services to other clients. 4. Waters Risk Management's fees are: Professional Time ( ~ Principal Consultant -Waters $130 per hour Consultant -Knowlton $120 per hour Clerical Time $ 25 per hour Expenses Additional We are pleased to propose the following maximum fees, based on the fee structure described, for the proposed services. Maximum Fee - 2 trips to Atlantic Beach $9,500 Maximum Fee - If only 1 trip to Atlantic Beach is needed $8,750 Maximum Fee - If no trips to Atlantic Beach are needed $8,000 The maximum fee/expenses are based on the following assumptions: • Travel will be limited to no more than two trips; suggested purposes are: 1. To gather background information through a risk management interview and tour of facilities. 2. To present the purchase recommendations to staff and/or the elected officials. . The City will promptly provide all needed background information as requested, with specified material to be in camera ready condition. • Up to 25 sets of the RFP will be prepazed by the consultants. • The assignment will end October 1, the intended effective date of the new program. l If the City for any reason should decide to reject and/or resolicit proposals, we shall be entitled to bill any subsequent time and expenses that exceed our maximum fee. INDEPENDENT RISK MANAGEMENT CONSULTANT RFP 2 Waters Risk Management does not chazge any minimum fees and does not charge on a flat fee basis. The City will be charged for actual time and expenses. We think minimum fees and flat fees result in unnecessary penalties to clients when the amount of work performed ultimately is less than originally expected. Waters Risk Management chazges for expenses, such as long distance telephone calls, post- age, printing, travel and lodging, but we never charge for meals. As is customary for many of our competitors, we charge one-half time for travel time, at our regular fees, and some- times voluntarily Iimit such charges to less than half time. Billings are provided no more often than monthly. The hourly fees listed are guaranteed for any services performed through 2000. 5. Client references are attached. As you can see, there is an extensive listing of Florida public entity references. Most of our public entity clients have used our services for both prop- erty/Iiability/workers compensation and group life/health benefits, and we have provided our full range of services for many of these public entities. IV. DATA AVAILABLE It is our understanding that the City can and will make available the following items, which we thinl: are valuable to the consulting assignment: • Insurance programs. l Premium/claims experience. • Schedules and other background information and rating data. • Budget and financial information. • Loss control/safety programs. VI. TERMINATION The agreement may be terminated by the City with or without cause at any time upon written notice to the consultant. In the event that such termination should take place at a time other than at the completion of the work to be performed under the agreement, the consultant shall be paid for the work performed to the date of termination. VII. TIMING The consulting assignment can begin immediately upon engaging the services of Waters Risk Management. The first step will be to send us complete copies of all current insurance policies and other relevant information, including up=to-date insurance schedules (e.g. property, equip- ment, automobiles, payrolls) and premium/claims experience. VIII. CONTINUOUS CONSULTING AVAILABILITX Concurrent with or subsequent to this assignment, Waters Risk Management is also available on an as-needed, continuous basis, at the hourly fees proposed, to provide consulting advice by phone, by correspondence and in person throughout the year. INDEPENDENT RISK MANAGEMENT CONSULTANT RFP 3 CITY OF ATLANTIC BEACH PROPERTY/CASUALTY INSURANCE REVIEW/REMARKETING SUGGESTED TIMETABLE I This following timetable is suggested for the remarketing project. The dates may be altered to accommodate City desires, but the time intervals between steps should remain about the same. Date Action March 1 Provide the consultants a complete copy of each insurance policy and other relevant background information. March 3 City to requestldevelop up-to-date premium/claims experience history for the past five years for each type of insurance, by year, including month/year of the policy anniversary, name of insurer, premium paid, number of claims and the amount paid and reserved, and total claims amounts. March 8 Ciry to develop up-to-date schedules of property, equipment, vehicles, payrolls, budget, etc. March 16 Consultants to perform risk management interview by telephone. March 30 Consultants to provide letter format report on risk management interview and insurance policy review. April l Consultants to provide a first draft of the Request for Proposals (RFP) for Ciry review. The City to provide additional information, as needed, in a format specified by the consultants. April 26-30 Society of Risk Management Consultants spring meeting in Salt Lake City. May 7 Consultants to provide final draft of RFP. May 11 Consultants to complete, print, and deliver RFPs to the City. May 12 Request for Proposals packets to be disseminated by City to interested agents, insurers. June 17 City to conduct a preproposal conference for interested proposers, to provide background infor- mation, to respond to questions about the RFP, etc. July 28 Receipt of proposals, overnight transmittal of one set of each to the consultants for review. July 29 Consultants to begin reviewing proposals, preparation of spreadsheets, verification/clarification with proposers. August 9 Consultants to provide spreadsheets to the City and discuss recommendations. August 16 Preparation of final report and recommendations. August 23 Presentation of purchase recommendations tothe City Commission. August 24 Notification of current provider(s) if the current plan is to be terminated (the date of notification must be coordinated with the required days of notice, if advance notice is required). October 1 Effective date of new program (if there is a change) and/or or renewal of current components (if they are the best competitive proposals). INDEPENDENT RISK MANAGEMENT CONSULTANT RFP 4 ~~ WATERS RISK MANAGEMENT 7300 PARK STREET NORTH SEMINOLE, FL 33777-4601 TELEPHONE (813) 397-8665 FACSIMILE (813) 397-3585, Allan Paul ~Vaters, CPCU,CLU,ARM,AIC J. Hayden Knowlton, CPCU,ARM,AIC Member, Society oCRisk Management Consultants Member, Society oCRisk Management Consultants PROFESSIONAL QUALIFICATIONS Allan Paul Waters CPCU,CLU,ARM,AIC PROFESSIONAL DESIGNATIONS Chartered Property Casualty Underwriter, 1974. Chartered Life Underwriter, 1977. Associate in Risk Management, 1975. Associate in Claims, 1994. EDUCATION B.S. in Accounting, University of Tampa, 1968. EXPERIENCE Insurance/Risk Management since 1966: ~~ Commercial Insurance Underwriter and Supervisor for major insurers 1966 to 1976. Risk Management Consultant for national independent risk management consulting firm 1976 to 1978. Waters Risk Management since 1978. PROFESSIONAL ORGANIZATIONS National Membership Institute of Risk Management Consultants, 1981-1984. Society of Risk Management Consultants (SRMC), 1985-present. Society of CPCU, 1974-present. Society of CLU, 1977-present. National Leadership President, Society of Risk Management Consultants (SRMC), 1985-86. Boazd of Directors of SRMC, 1984-88, 1996-97. Professional Practices Committee Chairman of SRMC, 1987-92. Paradigm Committee Chairman of SRMC, 1993-94. Legislative Committee Chairman of SRMC, 1986-91. Membership Co-Chairman of SRMC, 1984-85. Board of Directors of Institute of Risk Management Consultants/Membership Chairman, 1983- , 84. 3/97 Professional Qualifications, Al Waters CPCU,CLU,ARM,AIC Local Membership Florida Suncoast Chapter, Society of CPCU, 1974-present. Suncoast Chapter, Society of CLU, 1977-present. Pinellas County Estate Planning Council, 1983-1996. Local Leadership Boazd of Directors of Florida Suncoast Chapter, Society of CPCU, 1975-90. President of Florida Suncoast Chapter, Society of CPCU, 1977-78 and 1978-79. Boazd of Directors of Suncoast Chapter, Society of CLU, 1978-83. President of Suncoast Chapter, Society of CLU, 1982-83. OTHER PROFESSIONAL ACTIVITIES Inc. magazine, 1990/1991 Insurance Advisory Panel member,(one often panelists selected country-wide). Pinellas Economic Development Council, Health Care Task Force, 1991, 1992; Chairman of sub-group on Education Activities for Small Businesses. Program Chairman, Insurance Day 1977, 1980, 1981, Tampa Bay Area. Author of articles for publications. Frequent speaker on risk and insurance subjects. RISK AND INSURANCE TEACHING University of South Florida, College Of Business Administration Faculty, 1978-90, 1992-93. Florida Risk Management Institute (Instructor for Certified Health Care Risk Manager Program, per Florida Statute 626.944), 1990-present. Florida Institute of Medical Law (Instructor for Certified Health Caze Risk Manager Program, per Florida Statute 626.944), 1987, 1990-91, 1994. CPCU and CLU program courses. ARM program courses. State of Florida property/casualty insurance agents qualification course (02-20). CONTINUING PROFESSIONAL EDUCATION Completed five of the ten parts of the Certified, Employee Benefits Specialist (CEBS) designation program (two in 1990; three in 1991). CIVIC INVOLVEMENT Member Suncoast Tiger Bay Club, 1987-present. United Negro College Fund, 1993, 1994, 1995, 1996, 1997 Tampa Bay Area Golf Classic Tournament Committee (in charge of tournament format, team assignments, scoring). OUTSIDE INTERESTS Golf, record collecting, travel. 3/97 ~ WATERS RISK MANAGEMENT 7300 PARK STREET NORTH • SEMINOLE, FL 33777-4601 • TELEPHONE (813) 397-8665 • FACSIMILE (813) 397-3585 • Allan Paul Waters, CPCU,CLU,ARM,AIC Member, Society of Risk hlanagement Consultants J. Hayden Knowlton, CPCU,ARM,AIC hfember, Society oCRisk hfanagement Consultants PROFESSIONAL QUALIFICATIONS J. Hayden Knowlton CPCU, AR1V1, AIC PROFESSIONAL DESIGNATIONS Chartered Property Casualty Underwriter, 1979. Associate in Risk Management, 1978. Associate in Claims, 1994. EDUCATION B.A. in Industrial Management, University of South Florida. EXPERIENCE Insurance/Risk Ivianagement since 1970: Account Esec., Vice President, Bennett Wallace Welch & Green Insurance, Inc. 1970-81. Risk Management Consultant since 1982. PROFESSIONAL ORGANIZATIONS Nationll Involvement Member, Society of Risk Management Consultants since 1989: Board of Directors of SRMC, 1993-95. Member, Infotech Committee of SRMC, 1993-present. Systems Operator for SRMC's Bulletin Board Service, 1993-present. Member, Society of CPCU, since 1979. Local Involvement Member, Florida Suncoast Chapter, Society of CPCU, since 1979. CIVIC INVOLVEMENT United Way of Pinellas Board of Directors, 1979-1982. Vice President -Allocations, 1979-1980. Treasurer, 1980-82. Chairman Planning Committee, 1991-93. ~r"'~ Planning Committee, 1984-present. 9/96 Professional Qualifications, Hayden Knowlton CPCU,ARM,AIC ~~~ CIVIC INVOLVEMENT CONTINUED Consumer Credit Counseling Service of Pinellas, Inc., President, 1979-81. St. Petersburg Quarterback Club, President, 1990. St. Petersburg High School Parent Teacher Student Association, Treasurer, 1986-88. Boy Scouts of America Troop 236, Troop Chairman, 1987-89. Suncoasters, Inc., 1979-1990. Leadership St. Petersburg, 1974. OUTSIDE INTERESTS Sailing. f ' ~' 9/96 ` , ~ r WATERS RISK MANAGEMENT ?300 PARK STREET NORTH SEMINOLE, FL 33777-4601 TELEPHONE (813) 397-8665 FACSIMILE (813) 397-3585 Allan Paul Waters, CPCU,CLU,ARM,AIC J. Hayden Knowlton, CPCU,ARM,AIC itiember, Society of Risk Management Consultants Member, Society of RIsk Management Consultants PROFESSIONAL REFERENCES COMPLETE LISTING OF GOVERNMENT CLIENTS This is a complete listing of all government clients served since 1978, including those for whom detailed descriptions of our work are separately available. Many use our services continuously or repeatedly, others have engaged us only for specific assignments. Cities/Towns - 50 City of Altamonte Springs City of Apopka City of Atlantic Beach City of Boca Raton City of Brooksville Cit}~ of Clearwater City of Cocoa City of Coral Gables City of Coral Springs Citv of Deerfield Beach Town of Davie Ciri• of Deland City of Dunedin City of Edgewater City of Fernandina Beach Citv of Fort Walton Beach Citv of Gainesville City of Gulfport City of Hallandale City of High Springs Town of Indian River Shores City of Inverness City of Jacksonville Beach City of Kissimmee Citv of Lakeland City of Largo City of Madeira Beach City of Maitland 10/93 Government References Listing 1 Cities/Towns -continued City of Margate City of Neptune Beach City of New Port Richey. City of North Miami Beach City of Orlando City of Ormond Beach City of Ocala City of Palm Bay City of Pensacola City of Plant City City of Punta Gorda City of St. Pete Beach City of St. Petersburg City of Sanibel City of Sazasota City of Seminole City of South Daytona City of Tamazac City of Tampa City of Venice City of Williston ~"'~~ City of Winter Park Also see Consortiums/Cooperatives listing Counties -19 Bay County Brevazd County Chazlotte County Citrus County Clay County Dixie County Escambia County Gilchrist County Hernando County Indian River County Lake County Marion County Okaloosa County Orange County Osceola County Putnam County St. Lucie County l Sazasota County 10/98 Government References Listing 2 R Counties -continued Suwannee County Also see Consortiums/Cooperatives listing School Boards - 8 Bay County School Boazd Citrus County School Board Highlands County School Boazd Leon County School Board Manatee County School Boazd Pinellas County School Board Seminole County School Boazd Volusia County School Board Also see Consortiums/Cooperatives listing Junior Colleges - 2 Florida Community College at Jacksonville St. Petersburg Junior College ~, Also see Consortiums/Cooperatives listing Consortiums/Cooperatives/Coalitions - XO Employers Purchasing Alliance, Inc. (Included several public entities, such Hillsborough and Pinellas Counties and Hillsborough and Pinellas County School Boards, within five membership coalitions) The Health Partnership Plan Coalition (Volusia County School District, Volusia County and Daytona Beach Community College) Cities of Kissimmee and St. Cloud, Kissimmee Utility Authority and Osceola County (Feasibility Report Only) Mid-Florida Health Caze Coalition -current name: Lakeland Area Business Alliance (City of Lakeland, Publix Super Mazkets, Inc., Watson Clinic and seven other Polk County employers) North East Florida Educational Consortium (School Boazds of Baker, Bradford, Columbia, Dixie, Flagler, Gilchrist, Hernando, Levy, Nassau, Putnam and Union Counties) Cities of Ocala and Belleview, Marion County and Mazion County School Board (Initial Planning and Review After 4th Yeaz) Orange County, City of Orlando and Orlando Housing Authority Panhandle Area Educational Cooperative Tri-County Risk Management Program (St. Lucie and Martin Counties and the Cities of Stuart and Port St. Lucie) 10/98 Government References Listing Hospital Authority Hillsborough County Hospital Authority (Tampa General Hospital) Health Care District Palm Beach County Health Care District, including Palm Beach County, Home/Healthy Palm Beaches/Glades General Hospital Mental Health Agency Mental Health Services of Upper Pinellas (current name: Directions for Mental Health) Aviation Authority Hillsborough County Aviation Authority (Tampa International Airport) Ports-3 Port Everglades Authority Port of Palm Beach Tampa Port Authority Utility -Drainage District South Broward Drainage District Housing Authorities - 3 The Housing Authority of the City of Fort Myers The Housing Authority of the City of Tampa Pinellas County Housing Authority Also see Consortiums/Cooperatives listing Utility -Electric Kissimmee Utility Authority Utility -Solid Waste/Electric Solid Waste Authority of Palm Beach County 10/98 Government References Listing 4 Utility - Water/Wastewater - 2 Escambia County Utilities Authority Utilities Commission of New Smyrna Beach Water Management Districts - 3 St. Johns River Water Management District South Florida Water Management District Southwest Florida Water Management District Water Supply Authorities - 2 ' Peace ltiver/Manasota Regional Water Supply Authority Tampa Bay Water (formerly West Coast Regional Water Supply Authority) ~~ 10/98 Government References Listing ~ WATERS RISK MANAGEMENT 7300 PARK STREET NORTH SEMINOLE, FL 33777-4601 TELEPHONE (727) 397-8665 FACSIMILE (727) 397.3585 Allan Paul Waters, CPCU,CLU,ARM,AIC J. Hayden Knowlton, CPCU,ARM,AIC ;Member. Society of Risk btanagement Consultants Member, Society of Risk Alanagement Consultants PROFESSIONAL REFERENCES PROJECT HISTORY BEGINNING 1978 This is a listing of most of our projects since 1978, the great majority are projects which were bound, formal reports or RFPs and/or RFP response review projects. The following is a list of abbreviations used in this table: PROJECT CATEGORIES PCA -Property/Casualty Audit PCAX -Property/Casualty Feasibility Study or Other Specialized Project . PCRFP -Property/Casualty Request for Proposals and/or Proposal Review EBR -Employee Benefits Review or Other Specialized Project {''~, EBRFP -Employee Benefits Request for Proposals and/or Proposal Review RFP CATEGORIES P -Property Insurance L -Liability Insurance WC -Workers Compensation Insurance SI -Self-Insurance, Includes Workers Compensation and Liability TPA -Third Party Administration Services MC -Managed Care Services LC -Loss Control Services L -Group Life Insurance Di -Group Disability Income Insurance M -Group Medical PPO and/or HMO Insurance UR -Utilization Review Services RY -Pharmacy Benefit Management Services De -Group Dental Insurance V -Group Vision Insurance FSA - Flexible Spending Accounts Administration Services EAP -Employee Assistance Program Administration Services C -Cancer Benefits Insurance Mo -Due Month of Proposal Responses Yr -Due Year of Proposal Responses ~. I ~ /V1 N -Nrl ~ G V ~ a O 0 ~„] W ~ a H ~ 1... 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Q 't7 - OC .- - ~ M 'V' •••• - ~ - C\ ~ ['~ (~ I~ u G G G G G G G ^ G G G G G G G G C. G G G G G G G ' c. w c.. w w cr c, c. c. cr cr w c. cr c. c:.. c:.. x w w cc. r.. u» w w L ~ x cr x ~ r~ o: C ~ ¢ ~ G ~ c ~ C ¢ ~ C: x ¢ ~ a ~ C a ~ a a U L^ U U U U U C7 U C] C1 U U U U U U ~ G` U C7 U C7 U C1 U O] • w G W G C-. G G ^_. W G w W G G G G G C.. w w G W G W G W G W ~•• N M ~t Vl ~O N 00 C\ O "• N M c V'1 `: P 00 G1 C N M 7 V1 ~O t~ 00 - N N N N N N N N N a w C >, a C: U ~. ° d to G C\ r ~~ WATERS RISK MANAGEMENT PROFESSIONAL LIBRARY RESOURCES/REFERENCES Waters Risk Management considers it essential to have good reference/resource materials to complement the many years of professional experience critical to the value of a consulting practice. This is a listing of key resource/reference materials and periodicals that constitute Waters Risk Management's professional library. Annually, we spend about $5,000 to up-date our references. There is no intent to list every publication in our library. This is a list of references we consider fo be of the greatest value in keeping us up-to-date, and as authoritative references. Our library also includes many other publications (e.g. periodical and newspaper clippings, textbooks gathered in 15 years of teaching experience). GENERAL The Florida Statutes - 1977 through current Florida Session Reporter RISK MANAGEMENT AND EMPLOYEE BENEFITS Business Insurance PROPERTY/LIABILITY/WC INSURANCE/SELF-INSURANCE Periodicals The National Underwriter -Property/Casualty Insurance Edition Best's Review -Property/Casualty Insurance Edition Journals CPCU Journal The John Liner Letter The John Liner Review The Risk Report The Warren Report Workers Compensation Outlook References Risk Management and Insurance Audit Techniques Practical Risk Management Risk Management Manual Risk Financing FC&S Bulletins PF&M Analysis Strategies for Insurance Coverages FAIA Rapid Rater FAIA Florida Underwriting Guide IRMI Commercial Property Insurance 12/95 Waters Risk Management Professional Library IRMI Commercial Liability Insurance ~' IRMI Professional Liability Insurance IRMI Commercial Auto Insurance IRMI CGL Reporter NCCI Scopes of Basic Manual Classifications Protection of Assets Insurer Rating Services Best's Key Rating Guide -Property/Casualty S&P's Insurance Solvency Review Industry Specific Guides Construction Risk Management Government Risk Management Reports Bank Risk Textbooks CPCU Course Guides/Texts ARiV1 Course Guides/Texts AIC Course Guides~~Texts GROUP BL ~VEFITS, INSURANCE/SELF-INSURANCE Periodicals Employes Benefit News Employee Benefit Plan Review Best's Review - Life/Health Insurance Edition HR Magazine Journals Benefits Quarterly Medical Benefits Journal of the American Society of CLU & CHFC CEBS News Scope References Spencer's Research Reports Employers Handbook -Complying with IRS Employee Benefits Rules Health Insurance Answer Book Driving Down Health Care Costs Textbooks CEBS Course Guides/Texts CLU Course Guides/Texts Insurer Rating Services Best's Agents Guide - Life/Health S&P 's Insurance Solvency Review l2/95 ~"` WATERS RISK MANAGEMENT COMPUTER CAPABILITIES Waters Risk Management has utilized computers since 1983, for applications such as word proc- essing, spreadsheets and data base. HARDWARE Recent upgrades of our hardware include three nerivorked Pentium/83 computers with large hard drives, and a tape backup system. The expanded memory permits online internal access to client data files for quick review of correspondence and project work. Printers include 3 HP DeskJets (one color) and one LaserJet 4 Plus (12 pages per minute). Additionally, we maintain aPentium/150 laptop computer with dial-up network capabilities for us when travelling off site. SOFTWARE Sofrivare applications include version 7.0 of Microsoft Word, Excel, PowerPoint and Access. These programs in a Windows 95 format have expanded our abilities to format and reformat sta- tistical information and create graphic illustrations. For several years we have subscribed to an Internet a-mail service and often exchange messages and files with our clients. Our a-mail address is riskvtaker _.msn.com. r^' Client data can be provided to us on disks or downloaded, and we can restructure it for presenta- tion in reports and information submitted to underwriters. Common applications include: Property/Liability/VYorkers Compensation Schedules of buildings, personal property, equipment, automobiles, payroll data and pre- mium/claims experience. On occasion, where rating data is extensive, e.g. for property schedules, we have included a disk containing the information with requests for proposals. Group Benefits Census data, premium/claims experience Underwriters of group life and medical benefits usually appreciate our structuring census data so as to provide chronological listing of employee ages, median and average age, separately for males and females, breakdown of enrollment by departments, etc. On occasion, we have included a disk containing the employee census with requests for proposals. Also, with good premium/claims experience information, we can analyze employee versus dependent experience to determine true costs of dependent coverage subsidies, and to evalu- ate the cost of subsidies at alternative rate levels. 2/98 . ~ 1 ~ WATERS RISK I1~IANAGEMENT 7300 PARK STREET NORTH SEMINOLE, FL 33777-4601 TELEPHONE (813) 39T-8665 FACSIMILE (813) 397-3585 . Allan Pau] Waters, CPCU,CLU,ARM,AIC J. Hayden Knowlton, CPCU,ARM,AIC Member, Society oC Wsk rianagement Consultants Member, Society oCRisk Ivianagement Consultants COMPETITIVE SOLICITATIONS OF INSURANCE/SELF-INSURANCE, RELATED SERVICES PROBLEMS, MYTHS AND SUGGESTIONS PRESENTED BY AL WATERS CPCU,CLU,ARM,AIC TO FLORIDA ASSOCIATION OF PUBLIC PURCHASING OFFICERS 31ST ANNUAL CONFERENCE ST. PETERSBURG, FLORIDA -MAY 8, 1993 ~~ I. PROBLEMS A. Timing 1. Lack of planning. a) Not paying attention to anniversary/expiration dates. Start yoztr renetival considerations tivell in advance of anniversary/expiration dates; preferably six months before. b) Not asking for early renewal indications. Ask for early renewal indications so you can decide if and when to remarket. c) Not allowing enough time for the process. Permit enough time for the process and don't defer critical steps in the process; differentiate between property/casualty and group benefits. (1) For property/casualty insurance/self-insurance allow 41/2 to S 1/2 months: (a) 30 days to prepare the RFP. (b) 75 to 90 days in the hands ofproposers. (c) 30 to 45 days to revietiv/spreadsheet proposals, prepare a tivritten recom- mendation, formal approval by the elected officials and obtaining bind- ("1 ers. Allotiv 45 days rather than 30 days if you are likely to interview pro- poserfinal fists (e.g. TPA firms) or if a tivorkshop for off cials is needed. . ' Competitive Solicitations ofInsurance/Self-Insurance, Related Services Problems, Myths and Suggestions - FAPPO 31st Annual Conference (2) For group life/health~ benefits allow 4 to S 1/2 months: (a), 30 days to prepare the RFP. (b) 30 to 4S days in the hands ofproposers. Page 2 (c) 30 to 45 days to review/spreadsheet proposals, prepare a written recom- mendation, formal approval by the elected officials and obtaining bind- ers. Allow 45 days rather than 30 days :f you are likely to interview pro- poser finalists (e.g. medical benefits proposers) or if a workshop for o~- cials is needed. (d) 30 to 4S days for enrollment and effecting payroll deductions. (3) If you will be remarketing both property/casualty insurance/self-insurance and group life/health benefits at the same time, you may need to expand ei- ther or both schedules. d) Recognizing appropriate timing, but deferring various steps in the process. Don't pt~t off the inevitable; if you know you must remarket and know what the timetable should be, undue procrastinatic :can be detrimental if it will result in fetiver and less interested proposers. B. Rigid/Impractical Formats 1. Bid process rather than Request for Proposals (RFP) process. Avoid "bids" artd avoid use of the term. Always t~se an "RFP" process for maxi- mum jlexibility. 2. Prequalification where none needed. Don't prequal~ unless your size makes it extremely d~cult to obtain proposals or unless there are very limited markets. 3. Infle.cible RFP, with a "take-it or leave-it" tone, inapplicable standards, mandatory pre-proposal conference. Avoid a "take-it or leave-it" tone. The RFP should "sell" the entity to the proposer, should be as complete and jlexible as possible, to encourage submission and maxi- mum response. ron't include "boilerplate" wording applicable to purchase offur- niture, automobiles, etc. Including requirements that refer to color, size, tiveight and shipment of insurance looks ridiculous to proposers and wastes RFP space. 4. Proposal evaluation systems based on points. Avoid commitment to valuation systems based on points; remember that a single is- st~e (e.g. a poor Best rating, a major exclusion, a limited provider network) can be enough to disqualify a proposal, and that different types of coverage and services can easily justify different weighting systems, which can be very cumbersome. Also, why waste time assigning points to proposals that should be rejected for obvious reasons? Competitive Solicitations of Insurance/Self)nsurance, Related Services Page 3 Problems, Myths and Suggestions - FAPPO 31st Annual Conference 5. Failure to conduct a workshop when needed prior to final recommendations. Anticipate if a workshop is needed before final decision, e.g. if your elected officials are "hands on"but don't understand key issues such as insurance vs. self-insurance. 6. Heavy committee involvement, if the committee is not knowledgeable. Beware of committee involvement -some are effective, some are not. What is the makeup? Do committee members understand what they are considering? For em- ployee benefits, are they adequately balancing their interests with those of the public entity? How much weight should the committee have in the,fnal decision? C. Mazket Interference 1. Mazket commitments prior to RFP release. 2. Market blocking. Consider a purchasing ordinance or other prohibition against market commitments prior to RFP release and against market blocking. Consider severe penalties for proposers involved in either. Both practices are self- serving to the agents and in the public entity's worst interests. iI. MYTHS -INSURERS AND AGENTS A. Insurance Company Misunderstandings 1. Insurers and agents often believe that government must "bid" annually. This is usually not true and is a contiraring problem for public entities. However, be s:rre to know your state statutes (e.g. Florida Imv requires public entities to solicit competition before entering into group life/health contracts, bzrt not annually), local ordinances and in-house rules (e.g. your entity `s purchasing policy may require a RFP on purchases over $S, 000). Where it is true that government is not required to "bid" annually, take every opportunity to inform the markets. ~In the few instances where officials expect frequent competition, solicit proposals and award contracts on a multi year basis, at vour option (so long as cost, coverage, service and provider stability are acceptable and there are no major market factors that warrant an earlier solicitation). Hotivever, don't lock yourself into extended contracts without mzrlti year guarantees by the proposers. 2. Some insurers are lead to believe the submitting agent is politically connected, and will have great advantage in the competitive process. This is usually false, but there are exceptions. Correct any inappropriate impres- sions insurers have that a particular agent is politically connected tivhen it is untrue. 3. Underwriters often believe that if the RFP process is not limited to a few pre- qualifiedproposers the insurer's chances maybe diminished. ~ ' Competitive Solicitations of Insurance/Self-Insurance, Related Services Page 4 Problems, Myths and Suggestions - FAPPO 31st Annual Conference Not necessarily true! There are many instances in which insurers develop proposals which are never submitted to the public.entity because apre-qualified agent prefers to pursue another quote because he/she doesn't give that insurer's quote a chance, or just prefers another insurer. If more agents were permitted to submit, the in- surer's quote might have a better chance of being considered. B. Public Entity Misunderstandings 1. Agents tell the public entity that wide-open competition is detrimental -there should be prequalification of agents. Don't be brainwashed by those who try to convince you that wide-open competition is detrimental. Unless you are very large, have very difficult risks, or there are lim- ited markets for specific coverages, the reverse is usually true, restricting the com- petition to a few agents will. only limit your purchase oppor. tunities. If you pre- qualify three agents you may only get three quotes. 2. Large agents brokers promote that only the large firms can do the job needed by the public entity. Don't believe those who try to convince you that only large agents/brokers can do the job. Except in a few instances where you need major resources or clout, a good local agent can do quite well. Many types of insurance require little or no service and many insurers can be accessed by multiple agents. After all, many of the large agencies/broice:-s are stajfed tivith local agents who were bought out, and are unlikely to think they were inferior prior to their acquisition. 3. Local agents may loboy management and elected officials that only local agents can truly be responsive to their needs, and that taxpayers don't want their money going to agents out of the local azea. This is unacceptable if it leads to a restrictive marketing process or if it results in the public entity not getting the best cost, coverage or service. Competition should never be limited to local agents, but local agents should have some advantage, if cost, cov- erage, service and providers are satisfactory and there are no great differentials between other proposals. Most taxpayers prefer local purchase, except if a much better deal is available elsewhere. 4. Agents and brokers advocate that prequalification processes, when desirable, should be limited to very few insurance agents. If you must prequalify (there are instances when it is advisable), do not limit yourself to only insurance agents. Prequalification is detrimental to the public entity's inter- ests when the entity can submit to direct writers without paying an outside commis- sion, when the entity is shutting out public entity pools, or when the chosen agents do not have access to specialized combined lines programs. Competitive Solicitations of Insurance/Self-Insurance, Related Services Page 5 Problems, Myths and Suggestions - FAPPO 31 st Annual Conference ~~ Don't ever pay amiddle-man agent a fee to obtain Third Party Administration (TPA) services when there will be no added value from the agent, and you can go directly to the same TPA. • 5. Some agents profess that appointment of an exclusive agent to go to the market is in the entity's best interest. This is a ridiculous idea for most public entities! Eliminating competition among agents, and from direct writers, public entity pools or specialized programs to which the exclusive agent has no access is the greatest gift that can be given to an agent. There need not be many proposals, and they need not be competitive when there are no others to compare with. The only way we think it makes sense for a single agent to end up tivith an entire ac- count, is tivhen the successful agent has been subject to competition with other agents, and/or direct writers, and/or public entity pools and/or other specialized markets, and he or she has produced the best overall program. III. MYTHS -CONSULTANTS A. Public Entity Misunderstandings 1. Some public entities think consultants aze all the same, and there is no need to distin- guish among them. 1 Not true. The yellow pages of most local phone books list many "consultants, "but few are independent and objective and not affiliated with agents, brokers, insurers, or third party administrators. In most instances, the listing is merely a "come-on" for more sales. In the tivorst of cases, the person is both agent/broker and "consult- ant"and taking commissions and "consulting"fees, tivith minimal added value. 2. Some public entities think they can obtain independence and objectivity by inviting anyone to propose "consulting" services, so long as the "consultant" will promise not to take a commission on the insurance and services purchased. tVhat is your assurance that your business tivill not be directed to insurers or others for which the agent/broker "conszrltant" or his or her firm or affiliate is a big sales producer, or that the chosen agent/broker "conszrltant" or his or her firm or affiliate won't receive benefits from inszrers in some other way, e.g. favors on other accounts being written by the firm, or production credit, or points toward contest prizes? Also, what asszrance do you hme that the chosen agent/broker "consultant" will be unbiased with regard to soliciting and accepting proposals from his/her firm's fierc- est competitors? • A truly independent consultant has no affiliations tivith the industry that present such conflicts or potential conflicts of interest; however, to assure limitation of competi- tion to only independent consztants it is necessary to sped no ties to agents, bro- kers, insurers or TPAs. Competitive Solicitations of Insurance/Self-Insurance, Related Services Problems, Myths and Suggestions - FAPPO 31st Annual Conference Page 6 3. Some public entities think contingency fees are a good way to remunerate consultants on the theory that if nothing is saved no consulting fees are paid, but if there is a savings, the "consultant" will get a percentage, e.g. 30%. A sucker is born every minute, and contingency operators will find them when a sure profit can be made. How come you rarely see contingency operators when there is a hard market? When there is little or no "savings" to be had, they can't survive. The contingency operators have every incentive to get you to discontinue insurance, to take larger deductibles and retentions, and to solicit proposals when they know the market is soft and lower premiums are readily available. They also know when a new insurer is ready to "buy" some business. The larger you are, the greater poten- tial for a big cost reduction and a big fee. Usually this is a very poor trade off for an independent consultant on an hourly fee basis. If your program is greatly lacking in some areas, e.g. there are serious gaps in your types and amounts of insurance, or greater loss control/safety effort is needed, and these improvements could generate additional cost, they provide abuilt-in disincen- tive for the contino_:~cy operator to recommend them. ®wrm 1998 I ~~ 1 1 z .~ .~ ~~ ~ ~ c~ -~ ~ ~ o o ~ .= 1 ~ o ~ ~ C7 ~w oo~ ~y ~'~" ~ `~ a s`~.. O ~ ~ ~ ~ c7 ' ~ N ~ ~ o o [~ ~ M M '"' a ~ M OC u ~ ~ Q W O 3 ~ i~+ :7 O H lr O W w RS S~ O of Vl O U r~ z / ~ C C N C3 ~^ ~ U Cq +r ^ ~ ~ ~ O +-' 1 O ~ ~ +J ~ • 1 ~ C O . O 1 H C 'O +,.~ U •C N CU w U ec3 O O sU. ~ .~ U .D .^~ U U U ¢' ~ y ',~ V h ~ C ' Lr" C1..C1 CCD .D d • > U Ccf C N N f .~ C ~ N ~ U ..O w iU.. ~ .~ ~ C ..C L. 1.... • ~ ~ ~ ~ O ~ C .... V O ~ M. D U ~ >.. U L. U ~ C N C V ~' O ~ .,w . C L. ~ .X ~ N U R ~ ~ . ~ ~~ 3 ° s '~ ~ ° ~ ~ ~ ~ ice. c ~ = L 'D O ~ ~ w C 3 ~ ~N C C C ~ ~ O i >G , ~ ~ CQ O '- ~ .~.. C3 1~.. L' ~ ~ yr N ~ ~ ( ~ ~ y ~ ~ y In . D 0 . 1 ... 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'.y d ~'• .° O ~ Mil H d ~ .'7 ~ N N ° .N ++ +' c~~' O ° o o.C o N ~' A ~r-~ o;~-,~ ~.~' ~+cn~.~ ~~ L y N d4 a> ~ ~ ° o E ~' ~ >o ~ F~+ ° ° > • ~y ~ ° ~ >' •'-- o sue.. •GC~Q ~ C ~ C ~ ~ • ~ c~ •y w V ~" O Ln-. ~ ~ ~ ° ~ c~ '~ «s ~ vOi O d ° e~ ~ ° ~ H a~ '""' O ~ b00 +°' Cd O .~ `l; ~ ~ 'd 0 ~ ~ ~ .O~ .X C ~ ~ ~ 6Ci _ W a N° .~ o y o ~ U > ~ ~ °~ ~ 3 a' L .O ~ ~ c"i.> ~ H °' c-oi .~ ea °' ~ ~ R. s v ,ccs..'~' ea' x a~ o cn >, s3 ~ • WATERS RISK MANAGEMENT RISK MANAGEMENTANSURANCE MANAGEMENT/EMPLOYEE BENEFITS CONSULTINO ONLY - ND S~I~~ Allan Paul Waters CPCU, CLU, ARM, AIC Membe : Sodery ~ t3isk Managsrt»nt Consultants 7300 PARK STREET NORTH TELEPHONE (8 ~ 3) 397.8665 $EMINOLE, FLORIDA 33777-4601 FACSIMILE (813) 397.3585 WATERS RISK MANAGEMENT RISK MANACEMENT/INSURANCE MANAGEMENT/EMPLOYEE BENEFITS CONSULTING ONLY - NO Ed~>t ~~' J. Hayden Knowlton CPCU, ARM, AIC Membe , $odery of Risk Management Consultants 7300 PARK STREET NORTH TELEPHONE (813) 397-8665 SEMINOLE, FLORIDA 33777.460) FACSIMILE (813) 397.3585 l SIVER INSURANCE CONSULTANTS City of Atlantic Beac~i Florida Proposal for Independent Risk TVtanagement Consulting Services February 9, I999 Prepared by: Siver Insurance Consultants 9400 Fourth Street North St. Petersburg, Florida 33702 Phone (727) 577-2750 Fax (727) 579-8692 SIVER INSURANCE CONSULTANTS ~' City of Atlantic Beach Florida Table of Contents Background and Intent ................... Section I Consultant Background .................. Section II Proposal Content ....................... Section III SIVER INSURANCE CONSULTANTS City of Atlantic Beach Florida ~~ Section I Background and Intent SIVER INSURANCE CONSULTANTS UNDERSTANDING OFBACKGROUND AND INTENT Section I Siver understands that the City's request for proposal and the resulting consulting agreement is to arrange for the services of an independent risk-management consulting firm to perform the following tasks: 1. Identify and analyze the City's risks through a risk management interview, possibly a tour of the facilities, and review the current insurance programs; and 2. Evaluate the City's current insurance (excluding employee benefits, i.e., health, life etc.) and make recommendations as to coverages and/or changes needed, if any; and 3. Prepare a plan to obtain competitive bids from various insurance sources for insurance as deemed required in unctions "1" and " 2" above. Siver will indicate the steps to be taken along with a description of each to be preformed, requirements of the City during the process, and a timetable for performing the project. Said insurance shall be effective October 1, 1999; and 4. Evaluate competitive responses, and provide a written report as to Siver's recommendations to the City Commission. 1 2 SIVER INSURANCE CONSULTANTS ~~ City of Atlantic Beach Florida Section II Consultant Background SIVER INSURANCE CONSULTANTS l SIVER BACKGROUND Section II Siver Insurance Consultants began business in 1970. Its business then, as now, was purely consulting with its areas of specialty being property and liability insurance, risk management and employee welfare benefits. Siver currently employs 14 persons, 8 of whom are professional and 6 support personnel. In addition, seven professional personnel representing special areas of expertise such as actuarial, claims, healthcare law and tax are employed by Siver on an adjunct consulting basis. For more than 28 years our clients have looked to us for objective advice and creative ideas to solve problems and make the best choices for managing risk, buying insurance and furnishing employee benefits programs. The Siver approach to consulting is straightforward. We aim for the truth and we speak it as we find it, plainly, so that our opinions are both understandable and useful. Our work enables clients to make informed and timely decisions. Here's what you can expect from us .. . • Experience ................................... Co~rsr~lting Since 1970 t • Independence ............................... Advice Only -- No Sales o Education ..............Professional Designatiofts and Graduate Degrees • Practicality ...................................Realistic, Usefiilldeas • Creativity ..............................Committed to Fr~rdi~rg a Way • Savings .................................. Charges Are Ofte~r Offset • Clarity .............................Plaid E~lglish Writte~i acrd Spoked The Siver firm is not engaged in sales or brokerage of insurance, self-insurance or third party administration services and is not a subsidiary or an affiliate of an insurance agency, brokerage firm or third party administrator. ~~ 4 SIVER INSURANCE CONSULTANTS City of Atlantic Beach 'Florida Section III Proposal Content ~,. , SIVER INSURANCE CONSULTANTS SIVER'S RANGE OF CONSULTING SERVICES Section III-1 The following items illustrate the scope of risk management services available to our clients: • Actuarial -Actuarial services to assist clients with the design, funding, and management ofself-insurance programs. • Audit-Claims Practices - An investigation and assessment of claims management practices, including reporting procedures, policyholder services, file documentation, reserves, settlement practices, litigation control, and subrogation practices for both insured and self-insured programs. • Audit-Risk Management - An independent review of existing risk management programs. Broad topics considered in the study are: . Administration, Finance, Insurance, Claims Management, and Loss Control. Our work product includes a comprehensive written report detailing our findings and recommendations. In addition, we offer assistance in the implementation of recommendations. • Executive Overview - A direction finder designed for clients who maybe uncertain about their consulting needs and wish a preliminary overview of their existing or proposed program before proceeding with a material change or commissioning a major consulting assignment. We perform a limited examination of the client's current programs in order to identify issues, understand potential problems, and suggest possible solutions. • Expert Witness -Interpretation of insurance coverage and explanation of industry conventions is often required in arbitration and court proceedings. Our resources include senior consultants with JD degrees, an extensive insurance and law library, and Westlaw, an on-line legal research service. • 2nd Opinion-For clients who, on occasion, need an independent view on a specific issue and simply want to access our experience and resources on a limited use, no-frills engagement without a formal study, written report and presentation. 2nd Opinions can serve to reinforce a decision already made or, alternatively, identify issues and raise questions that require further consideration. • Industry Progams -For trade groups and professional associations which provide sponsored insurance programs for their members. Our services include feasibility studies, program design, preparation of specifications, ~, marketing, and performance monitoring of insurers and service vendors. G ~ ~ 1 1 ~I 1 ' SIVER INSURANCE CONSULTANTS l SIVER'S RANGE OF CONSULTING SERVICE (Continued) Section III-I • Personal Risk Management -Examination of all aspects of an individual's personal risk management program. We develop recommendations regarding estate planning, retirement, and disability programs, including assembly and cataloging of all insurance, financial, and legal documents. • Property Loss Adjustment - Assistance with negotiation of major property and business interruption losses. Our services include development of a post- loss recovery plan, assembly and presentation of the claim(s), negotiations with insurance adjusters, and final settlement proceedings with insurers. • Retainer Services - A defined schedule of continuous services or, alternatively, an ad hoc arrangement in which we respond only to specific requests. One frequently utilized, continuous retainer service is to monitor and reconcile all cost coverage documentation issued by insurers. • Specifications and Marketing - To facilitate an orderly request for competitive proposals from insurers and service vendors, we develop written ~~ specifications. Activities include design of specifications, assignment of markets, conducting pre-proposal conferences, analysis of proposals, negotiation with proposers, formulating recommendations, presenting results to management and assisting with the installation of new programs. • We would also note that we can furnish a full range of employee benefits consulting services should the City need them. 7 ,. SIVER INSURANCE CONSULTANTS SIVER'S EXPERIENCE AND UNIQUE RESOURCES Section III-2 SPECIAL SIVER EXPERTISE For over 28 years, we have provided consulting services for approximately 100 Florida political subdivisions. In addition to Florida governments, Client list includes the City of Richmond, Virginia; Henrico County School Board, Virginia; and CharlottelMecklenburg County, North Carolina Government. Siver consultants are recognized experts in the field of governmental insurance, risk management and employee benefit programs and as such have been asked to address a number of organizations. Among the diverse groups addressed by our consultants are the Local Government Section of the Florida Bar, The Public Risk Management Association (PRIMA), the Florida Educational Risk Mangers Association (FERMA), the Polk County Bar Association, the Florida Municipal League ofSelf-Insurers, the Florida Government Finance Officers Association and the Florida Association of City Clerks. Our services to Florida governments have ranged in complexity and magnitude from assisting in the design, marketing and analysis of typical insurance coverages such as standard property, liability and workers compensation, (both insured and self-insured), to the drafting (subject to review by our client's counsel) of manuscript insurance policies, ordinances and plan documents for self-insured programs, cafeteria plans and the like. Because of our familiarity with the law, we are often asked by client's counsel to provide services beyond the typical experience of other consulting firms. Such services include: • Drafting and negotiation of risk management and insurance provisions for complex contracts. • Coverage analysis/negotiation with respect to major property insurance claims including claims initially denied by insurers but subsequently paid. • Design, marketing and implementation ofwrap-up programs, covering the contractors and subcontractors for workers' compensation, general liability and builders' risk coverages. ~' 8 . .. , SIVER INSURANCE C0~ISULTANTS SI TfER'S EXPERIENCE AND UNI ~ UE RESOURCES (CONTINUED) Section III-2 SIVER EDGE The total resources offered by Siver are unique. The following are examples. • Objectivity - We are not in the business of selling insurance or related products or services. We have no affiliation with any insurance company, agent or service organization, thus assuring objective advise to our clients. • Experience -Siver is the largest independent insurance consulting firm headquartered in Florida and has furnished services to approximately 100 Florida governmental clients and nine Florida private or and governmental electric utilities. Siver consultants are committed exclusively to either insurance/risk management or to employee welfare benefits to assure one hundred percent focus on one or the other of these practice areas. • Professional Qualifications -Currently staffholds the following designations: • Resources -The Siver consulting staff includes persons with broad insurance- related experience who are have Juris Doctorate (JD) degrees. The firm maintains an extensive insurance and benefits research library and reference system and includes Westlaw and Lexis, the electronic legal research systems. • Location - We operate from a single office in St. Petersburg, Florida. All of our resources are under one roof which facilitates a system of peer review, thereby assuring clients of quick response and the availability of informed personnel and total resources at all times. • The Siver Scan -Siver publishes monthly newsletters dealing separately with Risk Management and Employee Benefits. These are circulated to all of our active clients without charge. 9 ~~ • S1VER INSURANCE CONSULTANTS SIVER'S EXPERIENCEAND UNIQUE RESOURCES (CONTINUED) Section III-2 • Internet - Siver maintains a Web Site which can be accessed at http://www.siver.com. SIVER SPECIAL QUALIFICATIONS -LAW The Siver consulting staff currently includes three individuals who are experienced insurance professionals and hold 7D degrees. Although the firm does not engage in the practice of law, the Siver approach to consulting has always placed important emphasis on the need to consider legal effects when analyzing insurance issues. We work extensively with our clients' legal counsel on many issues which arise because of their status as a Florida political entity. Among the many issues which are often referred to us by our clients' legal counsel are: the impact of Florida Statute 768.28 (Waiver of Sovereign Immunity) on insurance and indemnification provisions; insurability of claims based on alleged violations of civil rights and the applicability of various state and federal statutes In addition, we have an active litigation support practice which constantly exposes us to emerging and complex legal issues and allows us to work with and against some of the best law firms throughout the United States. As an example, we have been retained by nationally recognized law firms to provide expertise and testimony in connection with many insurance issues arising from mass tort claims including asbestos and breast implants.• Siver maintains extensive resources to keep current with the law as it relates to insurance and risk management and, in particular, its applicability to Florida governments. Among the resources are the following: Westlaw and Lexis Facilities Through the use of electronic research in the form of Westlaw and Lexis, our consultants are able to keep abreast of the case law and statutes in Florida throughout the United States. In addition, these subscriptions enable our consultants are able to access various federal databases including the Code of Federal Regulations and United States Code. We consider Westlaw and Lexis to be an important resource for our clients. ~' 10 ~ ~~ ~ SIVER INSURANCE CONSULTANTS 1 SIT/ER'S EXPERIENCEAND UNIQUE RESOURCES (CONTINUED) Section III-2~ Library In addition to electronic resources, our firm maintains an extensive research and reference library on insurance law. Also we subscribe to the important trade journals and reporting services. The following are some of the publications maintained by our firm. Trade Journals Florida Bar Journal -published by the Florida Bar American Bar Journal -published by the American Bar Association Br~siness Insurance -published by Crain Communications, Inc. National Undenvriter -Property & Casualty Insurance Edition - published by the National Underwriter Jor~rnal ofAnrerican Insurance - published by Alliance of American ~~ Insurers Florida Undenvriter -published by National Underwriter Tire Journal of Risk and Insurance -published by the American Risk and Insurance Association, Inc. Insurance Counsel Journal -published by the International Associa- tion of Insurance Counsel Best's Rel~ie-v -Property & Casualty Insurance Edition -published by A.M. Best Best's Insurance Reports -Property/Casualty -published by A.M. Best Best's Insurance Management Reports -published by A.M. Best For Tlie Defense -published by The Defense Research Institute, Inc. Tl:e Risk Report -published by International Risk Management Institute, Inc. l~~ 11 ' ,', ,, r SIVER INSURANCE CONSULTANTS SIVER'S EXPERIENCEAND UNIQUE RESOURCES (CONTINUED) Section III-2 Miscellaneous Reporting Services Couch Cyclopedia of Insurance Law 2d -published by the Lawyers Co-operative Publishing Company Applenlan, Insurance La~v and Practice -published by West Publishing Company . Zarson, The Laiv of Workmen's Compensation -published by Matthew Bender Anderson on the Uniform Con:n:ercial Code -published by the Lawyers Co-operative Publishing Company Long, Tl:e Law of Liability Insurance -published by Matthew Bender The Fire Casualty & Surety Br~lletins (FC&S) -published by the National Underwriter Company Lathrop's Insurance Coi~erage for Enl~ironnrental Clain~.s - published by Matthew Bender Classification and Rating -published by International Risk Manage- ment Institute, Inc. Conln:ercial Auto Liability Insurance Manual -published by International Risk Management Institute, Inc. Commercial Liability Insurance Manual -published by International Risk Management Institute, Inc. Commercial Property Insurance Manual -published by International Risk Management Institute, Inc. Contractual Risk Transfer -published by International Risk Manage- ment Institute, Inc. Construction Risk Management -published by International Risk Management Institute, Inc. Manuel of Rules/Class for Worker's Compensation -published by International Risk Management Institute, Inc. Workers' Compensation - A Complete Guide to Coverage, Laws and Cost Containment -published by International Risk Management Institute, Inc. t~ 12 . •, ,. , SIVER INSURANCE CONSULTANTS QUALIFICATIONS OFSIVER STAFF Section III - 3 Siver utilizes a team approach. Under the leadership of Edward W. Siver, CPCU, CLU, the consulting team includes: `i' Project Manager Edward W. Siver, CPCU, CLU President & Senior Consultant Team Member George W. Erickson, JD, LLM Senior Consultant Team Member Kathy V. Doak, ARM, AAI Senior Consultant Team Member Hany E. Campbell, CPCU, ARM Senior Consultant ~, This team approach allows several consultants to have a working knowledge of the City's project. If a consultant is temporarily unavailable, a qualified back-up consultant is always ready to step in. CVs for professional consulting stafl'follow: t 13 •-~~ ~ ~ ~ SIVER INSURANCE CONSULTANTS EDWARD W. SIVER CPCU. CLU President and Senior Consultant EDUCATION Attended State University of New York and Coast Guard School in Groton, Connecticut; attended Hartford Insurance Company Advanced Training Schools; received the Chartered Property and Casualty Underwriter designation (CPCU) from the American Institute for Property and Liability Underwriters, Inc., 1969; and the Chartered Life Underwriter designation (CLU) from The American College, 1970. BUSINESS EXPERIENCE Entered the insurance profession in 1955 at the agency level; formed own agency in . ~ 1957 and operated until 1968. Two years, 1969 and 1970, were committed to a sabbatical to prepare to begin the risk management consulting business with the time used to travel and study, including four months as guest-observer of a major London, England broking firm. Established E.W. Siver & Associates, Inc. in 1970 which is now doing business as Siver Insurance Consultants. t SPECIAL EMPHASIS Ability to solve problems and render successful professional service to a wide range of clients from home owned entrepreneurship to major U.S. corporations and from small incorporated villages to large cities, counties, and school boards. Maintains a particular interest in communications, i.e., the ability to reduce technical material to a form that is understandable to the client. Has authored a number of books, including: The Executive Guide To Commercial Property And Casualty Insurance, published by Crain Publications; Risk Management -Practical Ideas And Applications, published by the Risk and Insurance Management Society (RIMS); Risk Management Guide For Commercial Banks, and Risk Management Guide For Savings Institutions, both published by Harper & Rowe; editor of The Scan, published monthly by Siver Insurance Consultants. In addition, has written numerous monographs which have appeared in National Underwriter, Business Insurance and the Journal of Commerce. 14 1 ~ ~ SIVER INSURANCE CoA'SULTAh"rS Edward W. Siver, CPCU, CLU - (Continued) Lectured to such groups as the Risk and Insurance Management Society (RIMS), Public Risk and Insurance Management Association (PRIMA), American Society for Industrial Security (ASIS), the American Institute for Property and Liability Underwriters, Inc. (CPCU), and an international risk management conference held in London, England sponsored by the London Financial Times; served as a Board member of the Associate in Risk Management (ARM) program sponsored by the Insurance Institute of America, CLIENTS SERVED Mr. Siver has furnished consulting services for the following Florida governmental clients: • Broward County Board of County Commissioners • Broward County School Board - •Broward County Sheriffs Office • State of Florida (~ • City of Jacksonville • Hillsborough County Board of County Commissioners • City of St. Petersburg • South Broward Hospital District ~' 15 ~~ . . .~ . SIVER INSURANCE CONSULTANTS KATHY V. DOAK. ARM AAI Senior Consultant EDUCATION Attended College of the Desert, Palm Desert, California and St. Petersburg Junior College; received Associate in Risk Management (ARIvJ], 1987 and Accredited Adviser in Insurance (AAI) designations from the Insurance Institute of America, 1989; and continuing education toward immediate goal of Chartered Property and Casualty Underwriter (CPCU) professional designation. BUSINESS EXPERIENCE Consultant with Siver Insurance Consultants since 1985. Twelve years prior experience in the insurance industry in several fields including claims, underwriting, sales, and loss control. Agency experience includes four years as Commercial Lines Account Representative. . CLIENTS SERVED Ms. Doak has broad public and private sector experience. Her clients include: • Alachua County Library District • Broward County School Board • Dade County School Board • City of Delray Beach • Duval County School Board • City of Fort Pierce • Fort Pierce Utilities Authority • Grevgold Enterprises, Inc. • Hillsborough County Board of County Commissioners • Hillsborough County Hospital Authority • Indian River County AREAS OF EXPERTISE • City ofJacksonville • Jacksonville Transit Authority • City of St. Augustine • City of St. Petersburg • City of Sanford • Sarasota-Manatee Airport Authority • Seminole County Board of County Commissioners • South Broward Hospital District • City of Winter Haven Consultant for property and casualty accounts including retainer activities. Extensive experience in analysis of coverage and insurance and risk management program marketing (formal specifications). 16 ~•, ., SIVER INSURANCE CONSULTANTS GEORGE W. ERICKSON, 7D, LLM Senior Consultant EDUCATION Graduate of Duke University School of Law, (Juris Doctorate and Masters - International and Comparative Law), 1996; Attended Institute of Transnational Law, Brussels, Belgium, 1994; Cum Laude Graduate of University of South Florida, (B.A. -Finance), 1992. BUSINESS EXPERIENCE Admitted to The Florida Bar, October 1996; Two years with a local agericy as Property-Casualty and Life-Health Agent; Two years with an aviation and marine broker working with Lloyd's of London and other overseas and domestic insurance syndicates. _ SPECIAL EMPHASIS ~~ Languages: Spanish, French. CLIENTS SERVED Mr, Erickson had provided consulting services to the following clients: • Florida Department of Transportation • Quality Grassing, Inc. e Dade County Public Schools • All Children's Hospital • Thompson & Company, Inc. • Broward County, Board of County Commissioners • Hallmark Development Corp. • Hillsborough County • South Broward Hospital District • Alachua County Library District PROFESSIONAL ASSOCIATIONS The Florida Bar Clearwater Bar Association ~' 17 ~~ , SIVER INSURANCE CONSULTANTS HARRY E. CAMPBELL CPCU ARM Senior Insurance Consultant EDUCATION Undergraduate degree from Louisiana State University in Baton Rouge, Louisiana; Masters in Business Administration from University of Tampa; completed Liberty Mutual Multi-Lines Adjuster Training in 1979 and Liberty Mutual Property Loss Adjuster Training in 1980; received the Associate Risk Management (ARM) designation from the Insurance Institute of America in 1984; received the Chartered Property and Casualty Underwriter (CPCU) designation from the American Institute for Property and Liability Underwriters, Inc., in 1993; completed the International Risk Management Course provided by the Risk Insurance Management Society in New York and Property Fire 'Conservation Course provided by Factory Mutual Insurance Company. BUSINESS EXPERIENCE Entered the insurance profession in 1979 as a multi-lines claims adjuster for a major ~, national insurance company, later promoted to Property Loss Specialist until 1981. - From 1981 until 1996, was employed as Corporate Risk, Claims and Safety Manager with several Industrial and Financial Services Companies. Entered the Insurance Consulting industry in 1996. AREAS OF EXPERTISE Ability to review insurance related problems and create professional solutions for any client, ranging from small cities to major U.S. Corporations. Extensive experience in Insurance and Risk Management. Also specific experience in negotiating and settling complex Casualty, Crime, Directors & Officers Liability, Errors & Omissions, Professional, Property and Business Income claims. Develops creative Insurance and Risk Management solutions for clients by providing detailed risk analyses. Creates several alternative methods to address clients' risk, including: Risk Transfer (whether by contract or to an insurer), Risk Retention, Captive Insurance Companies and Self Insurance. ~ Thompson & Company, Inc. • 3000 Island Boulevard Condominium Association • 4000 Island Boulevard Condominium Association • Towers of Quayside Condominium Association ~' • Charter Club Condominium Association • Mediterranean Village Condominium Association is ~ w ~ Y • ~ ~ SIVER INSURANCE CONSULTANTS SIYER FEES Section 171- 4 The basis for earned fees will be time expended and hourly rates. We propose to use the following blended rates for all work described in this request for proposal (RFP.) Consultant ................................... $110.00 per hour Administrative!Clerical ................................ Included Customary out-of-pocket expenses are included in the hourly rates except lodging and meals which will be charged on a straight pass-through bases. Travel time will be chazged at 50%ofthe consultants blended rate. Statements of earned fees and billable expenses will be submitted monthly. We propose to perform all work described in this RFP for fees and expenses not to exceed $12,000. 19 IF+ r ~ ~ • .• SIVER INSURANCE CONSULTANTS ~, SIVER GOVERNMENT REFERENCES ~ Section III-S l . :::...:.::::..........::....::....:...:::..:..::,: ,, :..........::, ..: ,.:...::::.:::.v::::: ................ ... ... ......... ...............::::.~::: t...... .>:::>;;>:.::;:.CL•I): :1~AME'AI~D: DRESS1s>>::~>'s::::::>: NT AD ACT>:°:<:':»><~><:':>: ,., ... .... .....: ;::.;:: ......:.. : R:CI: ::'fYPE9 NT%s`<><':'`'' ~: "'<~ RM. AGEMENT::>:; ~~DESGRIP. ~ VET'><~~>>~';>~ „«;:<::;~:;.:;>:::<~<CONSUI:TING.SERV7CE5:.<::;:.:::.: BROWARD COUNTY BOARD OF Municipality Property and Casualty Specifications COUNTY COMMISSIONERS Governmental Center, Suite 210 Implementation of Self-Insurance Program 115 South Andrews Avenue 1977 to Present for Workers' Compensation, General and Fort Lauderdale, Florida 33301 Auto Liability Program Darlene George Employee Benefits Specifications Assistant to Risk Management Director Tel : (954) 357-7219 P&C~Retainer Services Fax.: (954) 357-6545 DADS COUNTY PUBLIC SCHOOLS School Board Catastrophic Sports Activity Program for 1444 Biscayne Blvd.. Ste 200 School Board Association Miami, Florida 33132 .1978 to Present Marketing Property and Casualty Coverages, Analysis and Recommendation Scott Clark Executive Director of Risk & Benefits Hurricane Andrew Issues Management Tel.: (305) 995-7155 Design, Implementation and Operation of Fax.: (305) 995-7170 Self-Insurance Program for ~xlorkers' Compensation, General and Auto Liability Program Wrap-Up Feasibility Study Design and Implementation of Ou~ner- Provided Insurance Program (Wrap-Up) Assistance tivith Risk Management Provisions of Contracts with Vendors and Contractors P&C Retainer Services Litigation Support 20 r. R. •s 4 ~ r SIVER INSURANCE CONSULTANTS SIVER GOVERNMENT REFERENCES - (Continued) Section III S .: ...:::........ ..:.:::::.:::...,.... ..... .,.:::....;.: ......... ....:. . AME.AND. ADpR>• S . .......:::::::x:::........:.....::,. :......... F. .. ::r:>T:~ . ~ . ........ O~i`Q>~ ;':>~~;.,, ~:<;-:>;::DESCRIP;TI : :>> :;::...:.: ,C ..: .:.:::;:~.:~:<::;~:;>;:;CI;IENT.. QNTACT:;:.;::~:<.::<:>.;::::::::>:::;>:> .: ........::.~ ......:::..::. .::: : ~;>;>::s<:TERM~.QE~ENGAGEEMENT>>:> . ;; :.;: .:::<;..::::<.; ; :'~::'<~::::GONSULTING:SERVIC >:::>:.;;«<::~;,,:,,;. 1rS.... STATE OF FLORIDA State Government Office Feasibility Study, Implementation and Turnpike District Monitoring ofOwner-Controlled Insurance Florida Department of Transportation 1994,1996, 1998, 1999 Program (OCIP) 1211 Governors Square Blvd., Suite 100 Tallahassee, Florida 32301 Woodrow L. Lawson Jr. Administrator, Contractual Services -Turnpike District Tel.: (850) 488-4671 Fax.:(850-487-4340 ' CITY OF FORT PIERCE Municipality Property and Casualty Consulting Services 100 North U.S. Highway One P. O. Box 1480 1987 to Present Marketing Property and Casualty Coverages Fort Pierce, Florida 34954 , Analysis and Recommendation George Bergalis Director of Finance Tel.: (561) 460-2200, ext. 275 Fax.: (561) 489-2594 FORT PIERCE UTILITIES AUTHORITY Municipality Property and Casualty Consulting Services P. O. Box 3191 1987 to Present Marketing Property and Casualty Consulting Fort Pierce, Florida 34948-3191 Co~~erages, Analysis and Recommendation Franl: Varclla Director of Finance Tel.: (561) 466-1600 ext. 3244 Fax.: (561) 467-2504 Shirley Platt Director of Administration Tel.: (561) 466-1699 eat. 3300 2I SIVER INSURANCE CONSULTANTS 1 SIVER GOVERNMENT REFERENCES - (Continuea~ Section III-S SOUTH BROWARD HOSPITAL DISTRICT Memorial Healthcare System 1011 West 35th Avenue Hollywood, Florida 33021 1320 Southwest Fourth Street Fort Lauderdale, Florida 33312 Stuart Hopen Associate General Counsel Tel.: (854) 985-5839 Fax.: (854) 896-848? CITY OF WINTER HAVEN 451 Third Street, NW P. O. Box 2277 Winter Haven, Florida 33883-2277 R. Carl Cheatham City Manager Tel.: (941) 241-5600 Fax.: (941) 291-5623 Cal Bowen Finance Director Tel.: (941) 291-5667 Fax.: {941) 297-3027 Hospital District Executive Overview -Property & Casualty 1981 to Present Property & Casualty Consulting Services Program Marketing Property and Casualty Coverages, Analysis and Recommendation ' Municipality ~ Property and Casualty Services 1983 to Present ~ I Marketing Property and Casualty Coverages, Analysis and Recommendations t 22