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Home My WebLink AboutR-2026-118 Renewal of Comprehensive Property Casualty Insurance ProgramRESOLUTION NO. 2026-118 A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF DANIA BEACH, FLORIDA, AUTHORIZING THE RENEWAL OF THE PROPERTY & CASUALTY INSURANCE PROGRAM FOR THE CITY THROUGH RISK MANAGEMENT ASSOCIATES, INC., WITHOUT COMPETITIVE BIDDING AND WITHOUT ADVERTISEMENT FOR BIDS, WHICH INSURANCE PACKAGE SHALL INCLUDE COVERAGE FOR PROPERTY, CRIME, LIABILITY, WORKERS’ COMPENSATION, AND OTHER COVERAGES, INCLUDING THE NATIONAL FLOOD INSURANCE PROGRAM (“NFIP”), FOR A COMBINED ANNUAL PREMIUM AMOUNT OF TWO MILLION SIX HUNDRED FIFTY‑NINE THOUSAND THREE HUNDRED TWENTY‑ONE DOLLARS ($2,659,321.00) FOR COVERAGE BEGINNING OCTOBER 1, 2026, THROUGH SEPTEMBER 30, 2027; PROVIDING FOR CONFLICTS; AND PROVIDING FOR AN EFFECTIVE DATE. WHEREAS, the Dania Beach Code of Ordinances, Chapter 2, Article 1, Section 2-10, “Monetary thresholds for certain purchases and payment disbursement authorizations”, Subsection (a), sets the monetary threshold or limitation at $50,000.00; and WHEREAS, the City of Dania Beach (the “City”) currently obtains its Property & Casualty coverage (the “Coverage”) through Risk Management Associates, Inc., a wholly owned subsidiary of Brown & Brown, Inc. (“B&B”); and WHEREAS, B&B is responsive and provides guidance to the City relating to loss control, claims handling, risk management and liability concerns on major contractual agreements, special events programming, construction projects, appropriate vendor insurance requirements, and bid specifications; and WHEREAS, the City Administration recommends that the City Commission waive competitive bidding and authorize renewal of Coverage through Preferred Governmental Insurance Trust (“PGIT”) and other associated insurers through B&B for Fiscal Year 2026-27; and WHEREAS, upon adoption of this Resolution, the City will obtain insurance coverages and services, as outlined in "Exhibit A", and is made a part of and incorporated into this Resolution by this reference, which approval of coverage will authorize any and all premium adjustments to be made by the City Manager during the fiscal year, as may be necessary to properly protect the City and its assets. NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF THE CITY OF DANIA BEACH, FLORIDA: 2 RESOLUTION #2026-118 Section 1. That the above “Whereas” clauses are ratified and confirmed, and they are made a part of and incorporated into this Resolution by this reference. Section 2. That the City Commission approves the renewal of the City’s Property & Casualty coverage through Risk Management Associates, Inc., a wholly owned subsidiary of Brown & Brown, Inc. (“B&B”), for FY 2026-27 for a combined annual premium amount of Two Million Six Hundred Fifty-Nine Thousand Three Hundred Twenty-One Dollars ($2,659,321.00) for coverage beginning October 1, 2026, through September 30, 2027. Section 3. That the cost of the Coverage has increased due to changes in City’s risk exposures such as increases in property values, audited payrolls, vehicles, equipment, and real property inventory, is planned, appropriated and has been made available through appropriate allocations to various City Funds in the proposed Fiscal Year 2026-2027 budget. Section 4. That the cost for coverage shall exceed the Fifty Thousand Dollars ($50,000.00) annual vendor threshold, and the City Commission hereby waives the competitive procurement requirements relating to the renewal of its Property & Casualty Insurance Package with Preferred Governmental Insurance Trust (PGIT) and other associated insurers through B&B for Fiscal Year 2026-27. Section 5. That all resolutions or parts of resolutions in conflict with this Resolution are repealed to the extent of such conflict. Section 6. That this Resolution shall be effective immediately after passage and adoption.. PASSED AND ADOPTED on September 14, 2026. Motion by Commissioner Lewellen, second by Vice Mayor Salvino. FINAL VOTE ON ADOPTION: Unanimous X Yes No Commissioner Lori Lewellen ____ ____ Commissioner Luis Rimoli ____ ____ Commissioner Archibald J. Ryan IV ____ ____ Vice Mayor Marco Salvino ____ ____ Mayor Joyce L. Davis ____ ____ SIGNATURES ON THE FOLLOWING PAGE 3 RESOLUTION #2026-118 ATTEST: ERIN MCCLENDON JOYCE L. DAVIS DEPUTY CITY CLERK MAYOR APPROVED AS TO FORM AND CORRECTNESS: EVE A. BOUTSIS CITY ATTORNEY Exhibit A – FY 2026-27 Property and Casualty Insurance Package Renewal Covered Party: Effective Date: Version Date: LIMIT ANNUAL PREMIUM LIMIT ANNUAL PREMIUM 67,273,693$ 868,113$ 81,470,861$ 910,449$ 67,273,693$ 81,470,861$ 3,000,000$ 3,000,000$ 64,922,993$ 81,470,861$ 500,000$ 1,000,000$ 1,000,000$ 1,000,000$ 1,000,000$ 1,000,000$ 250,000$ 500,000$ 1,000,000$ 1,000,000$ Included in Blanket 27,926$ Included in Blanket 22,576$ 1,886,818$ 2,068,495$ Included in Blanket Included in Blanket Included in Blanket Included in Blanket 270,000$ 270,000$ 120,000$ 120,000$ 50,000$ 50,000$ Included in Blanket Included in Blanket 32,000$ Not Covered 652,683$ 1,000,000$ 896,039$ 933,025$ 500,000$ 1,777$ 500,000$ 1,777$ 500,000$ 500,000$ 500,000$ 500,000$ 500,000$ 500,000$ 1,777$ 1,777$ 1,000,000$ 470,859$ 1,000,000$ 499,824$ 1,000,000$ Included 1,000,000$ Included 1,000,000$ Included 1,000,000$ Included 470,859$ 499,824$ COVERAGE AND PREMIUM COMPARISON LINE OF COVERAGE DEDUCTIBLE Deductible PGIT PACKAGE POLICY (Property, Inland Marine, Crime, General Liability, Auto, POL/EPLI) City of Dania Beach 10/1/2026 8/19/2026 FY 2025/2026 FY 2026/2027 Excess Flood 10,000$ 10,000$ Property: Preferred Governmental Ins Trust Buildings & Contents - Blanket 10,000$ 10,000$ Named Windstorm 5% / $35,000 Minimun 5% / $35,000 Minimun Accounts Receivable 10,000$ 10,000$ Equipment Breakdown 10,000$ 10,000$ 10,000$ Demolition & Increased Cost of Construction 10,000$ 10,000$ Inland Marine (Equipment): Additional Expense 10,000$ 10,000$ Business Income 10,000$ 10,000$ Errors & Omissions 10,000$ Communications Equipment 2,500$ 2,500$ Mobile Equipment 2,500$ 2,500$ Electronic Data Processing 2,500$ Other Inland Marine 2,500$ 2,500$ Rented Borrowed Leased Equipment 2,500$ 2,500$ 2,500$ Emergency Services Portable Equip 2,500$ 2,500$ Fine Arts 2,500$ 2,500$ Valuable Papers 2,500$ 2,500$ Watercraft 2,500$ 2,500$ Sub-Total Sub-Total Crime: Preferred Governmental Ins Trust Employee Dishonesty 1,000$ 1,000$ Blanket Unscheduled Inland Marine 2,500$ 2,500$ Forgery/Alterations 1,000$ 1,000$ Sub-Total Sub-Total Theft, Disappearance & Destruction In/Out 1,000$ 1,000$ Computer Fraud including Funds Transfer 1,000$ 1,000$ General Liability: Preferred Governmental Ins Trust General Liability -$ -$ Employee Benefits -$ -$ Sub-Total Sub-Total Deadly Weapon -$ -$ Page 1 of 3 Exhibit A – FY 2026-27 Property and Casualty Insurance Package Renewal Covered Party: Effective Date: Version Date: LIMIT ANNUAL PREMIUM LIMIT ANNUAL PREMIUM COVERAGE AND PREMIUM COMPARISON LINE OF COVERAGE DEDUCTIBLE Deductible PGIT PACKAGE POLICY (Property, Inland Marine, Crime, General Liability, Auto, POL/EPLI) City of Dania Beach 10/1/2026 8/19/2026 FY 2025/2026 FY 2026/2027 1,000,000$ 89,276$ 1,000,000$ 106,522$ Rejected Rejected AV over $100,000 56,019$ AV over $100,000 67,407$ 35,000$ 35,000$ None None 145,295$ 173,929$ 1,000,000$ 237,832$ 1,000,000$ 254,186$ 1,000,000$ Included 1,000,000$ Included 10,353$ 11,389$ 248,185$ 265,575$ Statutory 311,165$ Statutory 321,541$ $1m/$1m/$1m Included $1m/$1m/$1m Included 311,165$ 321,541$ 2,073,320$ 2,195,671$ $1,000,000/$2,000,000 18,213$ $1,000,000/$2,000,000 18,603$ 364$ 930$ 18,577$ 19,533$ Westchester - New Writing Paper Storage Tank Liability $1,000,000/$4,000,000 2,066$ $1,000,000/$4,000,000 TRIA Terrorism Declined Optional 21$ N/A 2,087$ 3,000$ 4,000,000$ 350,000$ 4,000,000$ 332,500$ 800,000$ Included 800,000$ Included *"CAT" Perils Include: *"CAT" Perils Include: Continuity Credit 350,000$ 332,500$ Automobile: Collision 1,000$ 1,000$ Hired Physical Damage 1,000$ 1,000$ Preferred Governmental Ins Trust Auto Liability -$ -$ Uninsured Motorist N/A N/A Sub-Total Sub-Total Public Officials Liability: Medical Payments Sub-Total Sub-Total Preferred Governmental Ins Trust Public Officials Liability 10,000$ 10,000$ Employment Practices Liability 10,000$ 10,000$ Workers' Compensation: Preferred Governmental Ins Trust 10/1/25 Experience Mod: 1.26 (17% Increase) 10/1/26 Experience Mod: 1.31 (4% Increase) Cyber/Privacy Liability Coverage Details Exempt from Publc Record Per HB 7057 Coverage Details Exempt from Publc Record Per HB 7057 Workers' Compensation -$ -$ Package & WC Subtotal Premises & Tank Pollution Liability: Employers Liability -$ -$ Illinois Union Insurance Company (Revised quote 8/29/25) Pollution 25,000$ 25,000$ Sub-Total Sub-Total TRIA Terrorism Sub-Total Sub-Total FIGA FIGA Sub-Total Estimated Premium Fuel Storage Tank Pollution: (Billed, premium due 20 days prior to 10/1 expiration)Pending Quote - Billing Separate Commerce & Industry 5,000$ 5,000$ Marina Docks $50,000 / CAT* 10%-$480K $50,000 / CAT* 10%-$480K Business Interruption 5 Days AOP/21 Days CAT*5 Days AOP/21 Days CAT* Dock Property: Lloyd's/Markel oneglobal Marine Marina/Dock Property trended See Proposal incl EQ, NWS, Flood, Storm Surge, Tsunami. et al See Proposal incl EQ, NWS, Flood, Storm Surge, Tsunami. et al 10% after policy expires subject to Loss Ratio below 65% 10% after policy expires subject to Loss Ratio below 65% Sub-Total Sub-Total Page 2 of 3 Exhibit A – FY 2026-27 Property and Casualty Insurance Package Renewal Covered Party: Effective Date: Version Date: LIMIT ANNUAL PREMIUM LIMIT ANNUAL PREMIUM COVERAGE AND PREMIUM COMPARISON LINE OF COVERAGE DEDUCTIBLE Deductible PGIT PACKAGE POLICY (Property, Inland Marine, Crime, General Liability, Auto, POL/EPLI) City of Dania Beach 10/1/2026 8/19/2026 FY 2025/2026 FY 2026/2027 3,000,000$ 7,188$ 3,000,000$ 7,188$ 3,000,000$ 3,000,000$ -$ -$ 150$ 150$ 7,338$ 7,338$ 1,000,000$ 1,575$ 1,000,000$ 1,622$ 2,000,000$ 2,000,000$ Included Included 250$ 250$ 1,825$ 1,872$ 2,453,147$ 2,559,914$ Other Policies (not 10/1 effective dates) NFIP Flood (9/26, 10/3, 10/4, 11/13)53,118$ 61,086$ 1,809$ 1,989$ 3,810$ 4,191$ 1,650$ 1,815$ 683$ 751$ 2,700$ 2,970$ 999$ 1,099$ 2,110$ 2,320$ 2,518,375$ 2,634,321$ 25,000$ COI Compliance Team Annual Fee 25,000$ 2,543,375$ Total with COI Compliance Team Fee 2,659,321$ 115,946$ 4.56% Each Occurrence 1,000$ 1,000$ General Aggregate FP&L General Liability (pump station): Evanston Insurance Company Sub-Total Sub-Total BSO General Liability (Dania Point): TRIA Terrorism Inspection Fee Inspection Fee Policy Fee Policy Fee General Aggregate TRIA Terrorism Kinsale Insurance Company Each Occurrence 1,000$ 1,000$ Policy Fees Policy Fees Sub-Total Sub-Total Current Premiums @ 8/4/26 Estimated 26-27 renewals - 15% increase Sports Insurance - Basketball Effective 2/12/2026 - 2/12/2027 Estimated 2027 renewal - 10% increase TOTAL PREMIUMS EFFECTIVE 10/1 Total Premiums Sports Insurance - Tball Effective 5/2/2026 - 5/2/2027 Estimated 2027 renewal - 10% increase Wave Runners - Hull Coverage Effective 5/29/26 - 5/29/2027 Estimated 2027 renewal - 10% increase Work Boat - Hull Coverage Effective 3/18/2026 - 3/18/2027 Estimated 2027 renewal - 10% increase Casino Parking Lot General Liability Effective 4/1/2026 - 4/1/2027 Estimated 2027 renewal - 10% increase TOTAL ALL PREMIUMS Total Premiums Difference Sports Insurance - Adult Kickball Effective 7/2/2026 - 7/2/2027 Estimated 2027 renewal - 10% increase Sports Insurance - Youth Football/Cheer Effective 7/9/2026 - 7/9/2027 Estimated 2027 renewal - 10% increase Page 3 of 3 Exhibit A – FY 2026-27 Property and Casualty Insurance Package Renewal Services Overview 1 About Brown & Brown In 1939, Brown & Brown started as a small, two-partner firm in Daytona Beach, Florida with a bold vision centered around relationships. While this vision has propelled us to grow into one of the world’s largest insurance brokerages, our foundation remains the same: a commitment to trust, resilience, teamwork and delivering results for our customers. Our strength is in our people. With deep local connections and the resources of a global leader, we take an agile, forward-thinking approach to risk. Whether our customers are expanding, evolving or facing new challenges, we build solutions that help protect what they value most. Risk Management Associates, Inc. dba Brown & Brown Public Sector is our dedicated public entity division, offering a highly specialized unit of insurance advisors and resources focused to deliver industry-leading brokerage services to public entities in the State of Florida. We operate in Brown & Brown’s corporate headquarters in Daytona Beach, where the company has existed since 1939. The Public Sector division offers the distinct combination of a “boutique” public entity brokerage offering concierge-level service with direct access to C-Suite leadership of a large national broker. Our team provides Property & Casualty and Employee Benefits advisement and insurance services to over 400 Florida governments from Key West to the Panhandle. A partial client list includes:  City of Auburndale  City of Belleview  City of Bunnell  City of Chipley  City of Davenport  Town of Davie  City of Destin  City of Edgewater  City of Ft. Lauderdale  City of Ft. Walton Beach  Town of Highland Beach  City of Haines City  Town of Indian Shores  Town of Jupiter  Lee School District  City of Lake Worth Beach  Madison County BOCC  City of Madeira Beach  City of Marathon  City of Mary Esther  City of Mascotte  Town of Mayo  City of Mulberry  City of Miami  City of Mulberry  City of Ocala  City of Pahokee  Palm Beach County  Town of Pierson  City of Polk City  City of Punta Gorda  City of St. Cloud  City of Sweetwater  City of Tallahassee  Wakulla County  City of Westlake Our strong reputation in Florida’s public sector was built with the primary goal of empowering our governmental clients to outperform their industry peers, lower total cost of risk, and enhance risk management programs within annual budgetary constraints. Exhibit A – FY 2026-27 Property and Casualty Insurance Package Renewal Services Overview 2 Brown & Brown Public Sector - Professional Service Team Our professional service team of public risk advisors is specifically trained to deliver industry- leading services to public entities in the state of Florida. These capabilities are enhanced by our team’s commitment to serve those who serve the public. Individuals directly involved with the City include: Michelle Martin, CIC - Senior Vice President Ms. Martin is responsible to direct and implement all deliverables for this project. Michelle’s professionalism and expertise in the industry has been exemplified by her commitment to and representation of Florida governmental entities. Throughout the contract year, Michelle will oversee insurance submissions, marketing, negotiation, presentation of insurance program design, and hands-on risk management policy consulting.  30+ years’ experience includes Marketing Manager for corporate office, negotiation, and placement of alternative risk transfer mechanisms for US and European commercial and governmental business  Since 2005, sole focus on public entity program management  Insurance and self-insurance program and policy design  General and contractual Risk Management consulting  Local government financing and budgeting  Application of Public entity law (Florida Statues, procurement, court rulings, etc.)  Claims advocacy, including extensive hurricane planning and recovery experience  Informational and educational presentations to both public entities and industry organizations  SW FL PRIMA Advisory Board Member; Member of North FL RIMS Bill Wilson, MBA – Public Risk Advisor As the Account Executive and Back Up Team Leader, Bill will serve as back up to the Team Leader and Project Manager for the execution of the City’s risk management and insurance placement services. He will act as the primary contact on occasions when Ms. Martin is unavailable. Bill’s 20 years of government experience throughout Florida, and in Miami-Dade and Broward Counties, provides the City a unique consultation perspective.  Resident/office in Broward County  Active in South Florida RIMS (Risk Management Society) & South FL PRIMA  Attend Claim Reviews, Safety & Health Meetings, and other local functions  Insurance program and policy design  General Risk Management consulting and daily Q&A with clients  Local government financing and budgeting  Application of Public entity law (Florida Statues, procurement, court rulings, etc.) Exhibit A – FY 2026-27 Property and Casualty Insurance Package Renewal Services Overview 3 Brown & Brown Public Sector - Professional Service Team (Cont’d) Robin Russell, ARM-P, CISR, CSRM – Vice President / Account Executive As the Account Executive, Robin will serve as back up to Ms. Martin and Mr. Wilson for the execution of the City’s risk management and insurance placement services. She will assist in insurance submissions, marketing, negotiation, and presentation of insurance program design. Robin is involved in all aspects the City’s insurance portfolio and service delivery, assisting the team leaders on efforts to drive accuracy, timeliness, efficiency, and proactiveness of the City’s program.  20+ years’ focus on public entity programs  Insurance and self-insurance program and policy design  Specialist in large multi-layered property programs  Contractual risk transfer and vendor requirements  Certificate Review and Recommendations  General Risk Management consulting and daily Q&A with clients Melody Blake, ACSR - Senior Public Risk Specialist Our Public Risk Specialists are supported by a team environment. Ms. Blake provides daily support to our service team with her over 30 years’ industry experience. She is well versed in responding to service requests, issuing certificates of insurance, maintaining property, vehicle, and equipment schedules, claims handling as well as general requests for service. Key functions include but are not limited to:  Quote/Binder/Policy review for accuracy  Proposal/Binder/Policy delivery  Invoicing, certificates, audits and premium adjustments  Property, auto and inland marine schedule maintenance  Creation and assembly of reports, claims data and loss history summaries Jessica Conway - Public Risk Specialist Our Senior account managers are supported by a team environment. After graduating from Stetson University, Jessica joined our team in 2023 and quickly procured her licensure and other insurance-focused studies. Jessica provides support to Ms. Blake’s team and is specifically assigned the City of Dania Beach. She is point on the COI Review Team responsible for the Contract and Certificate Review portion of our services. She provides immediate response to vendor Certificate questions and has participated in training classes to City staff for contractual insurance compliance, recommendations for minimum coverage, and consideration of exceptions. She is also a direct contact for City staff with any contract questions. Due to the continued growth in the City, Brown & Brown is engaged to assist Risk Management and Legal with effective contractual risk transfer processes and procedures to adhere to the City’s Insurance Policy. A customized process has been designed to assist the City in implementation of appropriate insurance requirements for City Vendors. We provide daily Certification of Insurance (COI) reviews and operational contract insurance recommendations for new contracts. Training has been conducted with all City Departments to ensure compliance. Exhibit A – FY 2026-27 Property and Casualty Insurance Package Renewal Services Overview 4 Claims Team Exhibit A – FY 2026-27 Property and Casualty Insurance Package Renewal Services Overview 5 Loss Control and Safety Consultant Team Exhibit A – FY 2026-27 Property and Casualty Insurance Package Renewal Services Overview 6 Value-Added Services & Resources Exhibit A – FY 2026-27 Property and Casualty Insurance Package Renewal Services Overview 7 Value-Added Services & Resources (Cont’d) Exhibit A – FY 2026-27 Property and Casualty Insurance Package Renewal Services Overview 8 Value-Added Services & Resources (Cont’d) Exhibit A – FY 2026-27 Property and Casualty Insurance Package Renewal Services Overview 9 Hurricane and Property Claim Management Exhibit A – FY 2026-27 Property and Casualty Insurance Package Renewal Services Overview 10 Coverage Highlights