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R2023-54 Property, Casualty and Workers' Compensation InsuranceRESOLUTION 2023-54 A RESOLUTION OF THE VILLAGE COUNCIL OF THE VILLAGE OF NORTH PALM BEACH, FLORIDA, ACCEPTING A PROPOSAL FROM FIRST FLORIDA INSURANCE BROKERS TO PROVIDE PROPERTY, CASUALTY AND WORKERS' COMPENSATION INSURANCE THROUGH PUBLIC RISK MANAGEMENT OF FLORIDA AND AUTHORIZING VILLAGE ADMINISTRATION TO TAKE ALL ACTIONS NECESSARY TO IMPLEMENT SUCH COVERAGE; PROVIDING FOR CONFLICTS; AND PROVIDING FOR AN EFFECTIVE DATE. WHEREAS, the Village is currently a member of the Public Risk Management of Florida risk management and self-insurance pool for property and casualty coverage, as well as workers' compensation coverage; and WHEREAS, Village Staff received a proposal from First Florida Insurance Brokers ("FFIB") for property, casualty, and workers' compensation insurance through Public Risk Management of Florida for Fiscal Year 2024; and WHEREAS, the Village Council determines that the adoption of this Resolution, including the waiver of any conflicting purchasing policies and procedures, is in the best interests of the Village and its residents. NOW, THEREFORE, BE IT RESOLVED BY THE VILLAGE COUNCIL OF NORTH PALM BEACH, FLORIDA as follows: Section 1. The foregoing recitals are hereby ratified and incorporated herein. Section 2. The Village Council hereby accepts the proposal submitted by First Florida Insurance Brokers for property, casualty, and workers' compensation insurance through Public Risk Management of Florida for Fiscal Year 2024 at a total estimated annual cost of $951,436.00. The Village Council further authorizes and directs Village Administration to take all actions necessary to implement such coverage. Section 3. All resolutions or parts of resolutions in conflict herewith are hereby repealed to the extent of such conflict. Section 4. This Resolution shall take effect immediately upon adoption. WA ADOPTED THIS 13"H DAY OF JULY, 2023. VILLAGE CLERK VILLAGE OF NORTH PALM BEACH PROPERTY PROPERTY TERRORISM & SABOTAGE ACTIVE SHOOTER & MALICIOUS ATTACK CRIME AUTO LIABILITY GENERAL LIABILITY WORKERS COMPENSATION PUBLIC OFFICIALS/E&O LIABILITY ANCILLARY COVERAGES RENEWAL INSURANCE PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solut ions THIS DOCUMENT IN ITS ENTIRETY IS CONFIDENTIAL & PRIVILEGED PROPRIETARY DOCUMENTATION NOT PUBLIC RECORD. Maggie Boykin, ARM -P Vice President, Property & Casualty Prepared By: Kristin Chambers, AAI Account Manager 100 SOUTH ASHLEY DRIVE SUITE 250 TAMPA, FL 33602 813-902-3502 – PHONE www.ffinsbr.com DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 1 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s TABLE OF CONTENTS TAB SUBJECT PAGE NUMBER 1 NAMED INSURED 2 2 PROPERTY PROPOSAL 3 3 PROPERTY TERRORISM & SABOTAGE PROPOSAL 7 4 ACTIVE SHOOTER & MALICIOUS ATTACK PROPOSAL 8 5 CRIME PROPOSAL 9 6 BOILER & MACHINERY PROPOSAL 10 7 LIABILITY INSURANCE PROPOSAL GENERAL LIABILITY PUBLIC OFFICIALS/EMPLOYMENT PRACTICES LIABILITY AUTO LIABILITY EXCESS LIABILITY 11 12 13 14 8 WORKERS’ COMPENSATION 15 9 CYBER LIABILITY COVERAGE 16 10 OPTIONAL COVERAGES POLLUTION & REMEDIATION LEGAL LIABILITY AIRPORT OWNERS & OPERATORS LIABILITY 17 18 11 EXPOSURE COMPARISON 19 12 PRICING AND BINDING AUTHORITY 20 DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 2 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s NAMED INSURED NAMED INSURED AND MAILING ADDRESS Village of North Palm Beach 501 US Highway One North Palm Beach, FL 33408 This proposal contains most terms, conditions, limits and deductibles provided under the program. However, refer to the PRM Coverage Document for specific and complete terms and conditions. PREPARED BY 100 SOUTH ASHLEY, SUITE 250 TAMPA , FL 33602 PHONE: (813) 902-3502 TOLL FREE: (866) 404-7637 DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 3 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s PROPERTY PROPOSAL PROPERTY EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 COMPANY PUBLIC RISK MANAGEMENT OF FLORIDA PUBLIC RISK MANAGEMENT OF FLORIDA TOTAL INSURED VALUES $62,336,263 $62,339,571 DEDUCTIBLES ALL OTHER PERILS , EXCEPT: $1,000 ALL OTHER FLOOD – PER UNIT $1,000 FLOOD – ZONES A&V EXCESS OF NFIP WHETHER PURCHASED OR NOT NAMED WINDSTORM PER UN IT VALUES SHALL APPLY 5% VALUATION PROPERTY REPLACEMENT COST INLAND MARINE REPLACEMENT COST AUTO PHYSICAL DAMAGE (AS REPORTED) ACTUAL CASH VALUE/REPLACEMENT COST BUSINESS INCOME ACTUAL LOSS SUSTAINED COINSURANCE NONE ASSOCIATION LIMITS ALL PERILS , COVERAGES AND INSUREDS /MEMBERS COMBINED – PER OCCURRENCE SUBJECT TO THE FOLLO WING SUB -LIMITS : 250,000,000 ASSOCIATION SUB-LIMITS [NOT ALL INCLUSIVE] FLOOD – PER OCCURRE NCE ANNUAL AGGREGAT E $50,000,000 FLOOD SUBLIMIT – ANNUAL AGGREGATE CONTRACTORS E QUIPMENT FINE ARTS L ICE NSED VEHICLES UNLICENSED VEHICLES 5,000,000 FLOOD SUBLIMIT P ER OCCURRENCE M ISCELLANEOUS UNNAMED LOCATIONS 10,000,000 EARTHQUAKE SHOCK LIMI T P ER OCCURRENCE & ANNUAL AGGREGAT E $ 50,000,000 WIND/HAIL LIMIT PER OCCURRENCE N AMED WINDSTORM $ 100,000,000 $75,000,000 AUTO PHYSICAL DAMAGE O N AND OFF PREMISES O FF THE ROAD INCLUDED 10,000,000 ABOVE PROPERTY PROGRAM/PREMIUM QUOTATION SUBJECT TO CHANGE, RE-RATE AND/OR CARRIER WITHDRAWAL IN THE EVENT OF A CATASTROPHIC LOSS OCCURRING PRIOR TO OCTOBER 1, 2023 AND/OR BINDING OF PROGRAM. Per Expiring Change from Expiring DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 4 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s PROPERTY PROPOSAL PROPERTY EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 COMPANY PUBLIC RISK MANAGEMENT OF FLORIDA PUBLIC RISK MANAGEMENT OF FLORIDA TOTAL INSURED VALUES $62,336,263 $62,339,571 ASSOCIATION SUB-LIMITS [NOT ALL INCLUSIVE] ACCIDENTAL CONTAMINATION $250,000/$500,000 ACCOUNT RECEIVABLES INCLUDED ANIMALS UNSCHEDULED ANIMALS 50,000 FOR ANY ONE ANIMAL/ 250,000 PER OCCURRENCE ASBESTOS CLEAN-UP & REMOVAL (RESULTANT) LIMITED COVERAGE AUTOMATIC ACQUISITION LIMIT $25,000,000 AUTOMATIC ACQUISITION LIMIT FOR VEHICLES SPECIAL FLOOD HAZARD AREAS 10,000,000 10,000,000 ANNUAL A GGREG ATE BUILDI NG ORDINANCE UNDAMAGED PORTION OF BUILDING INCLUDED BUSINESS INTERRUPTION $100,000,000 CIVIL AUTHORITY WITHIN 10 MILES OF INSURED PREMISE 30 DAYS CLAIM PREPARATION EXPENSE $1,000,000 CONTINGENT BUSINESS INTERRUPTION $ 5,000,000 EXCEPT TAX INTERRUPTION - EXCLUDED COURSE OF CONSTRUCTION & ADDITIONS $ 50,000,000 EXCLUDES FRAME BUILDERS RISK DEBRIS REMOVAL INCLUDED DEMOLITION INCLUDED EARTH MOVEMENT EXCEPT VEHICLES, CONTRACTORS E QUIPMENT, FINE ARTS COMBINED 50,000,0 00 ANNUAL A GGREG ATE 5,000,000 COMBINED AGGREGATE ELECTRONIC DATA PROCESSION (EDP) INCLUDED ERRORS & OMISSIONS $25,000,000 EXPEDITING EXPENSE $50,000,000 EXTENDED PERIOD OF INDEMNITY 180 DAYS EXTRA EXPENSE $50,000,000 FINE ARTS UNSC HEDULED FINE ARTS INCLUDED 2,500,000 FIRE FIGHTING E XPENSE INCLUDED FLOOD EXCEPT SPECIAL FLOOD HAZARD AREAS VEHICLES, CONTRACTORS E QUIPMENT, FINE ARTS COMBINE D 50,000,000 INCLUDED 5,000,000 COMBINED AGGREGATE ABOVE PROPERTY PROGRAM/PREMIUM QUOTATION SUBJECT TO CHANGE, RE-RATE AND/OR CARRIER WITHDRAWAL IN THE EVENT OF A CATASTROPHIC LOSS OCCURRING PRIOR TO OCTOBER 1, 2023 AND/OR BINDING OF PROGRAM. Per Expiring Change from Expiring DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 5 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s PROPERTY PROPOSAL PROPERTY EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 COMPANY PUBLIC RISK MANAGEMENT OF FLORIDA PUBLIC RISK MANAGEMENT OF FLORIDA TOTAL INSURED VALUES $62,336,263 $62,339,571 ASSOCIATION SUB-LIMITS [NOT ALL INCLUSIVE] IMPROVEMENT & BETTERMENT INCLUDED INCREASED COST OF CONSTRUCTION $25,000,000 INGRESS & E GRESS WITHIN 10 MILES OF INSURED PREMISE 30 DAYS JEWELRY , FURS , & PRECIOUS METALS – SEPARATELY $500,000 LANDSCAPING, TEES, SAND TRAP S, GREENS, ATHLETIC GREENS EXCEPT UNSCHEDULED LANDSCAPING, TEES , SAND TRAPS, GREENS, ATHLETIC GREENS 5,000,000 1,000,000 LEASEHOLD INTEREST INCLUDED MISCELLANEOUS UNNAMED LOCATIONS EXCEPT SPECIAL FLOOD H AZARD AREAS 25,000 ,000 10,000,000 ANNUAL AGGREGATE MOLD (RESULTANT ) $35,000 AGGREGATE MONEY AND SECURITIES $2,500,000 O FF PREMISES SE RVICE INTERRUPTION INCLUDING EXTRA E XPENSE $ 25,000,000 PERSONA L E FFECTS INCLUDED PERSONAL PROPERTY OF OTHERS INCLUDED PERSONAL PROPERTY OUTS IDE THE USA $1,000,000 PROTECTION AND PRESERVATI ON OF PROPERTY INCLUDED PROPERTY OFF PREMISES INCLUDED SIGNS INCLUDED TRANSIT $25,000,000 TUNNELS , BRIDGES, DAMS, CATWALKS – UNSCHEDULED $500,000 VALUABLE PAPERS AND RECORDS INCLUDED WATERCRAFT UP TO 27 FEET, UNSCHEDULED OVER 27 FEET, SCHEDULED 250,000 UNSCHEDULED ALL SCHEDULED INCLUDED EXCLUSIONS [INCLUDING BUT NOT LIMITED TO] RUST, WET/DRY ROT, LAND & LAND VALUES, COMMUNICABLE DISEASE, PROPERTY CYBER & DATA E XCLUSION EXCLUDED PREMIUM ANNUAL PREMIUM $247,867 $322,244 difference $ 74,377 30.00% ABOVE PROPERTY PROGRAM/PREMIUM QUOTATION SUBJECT TO CHANGE, RE-RATE AND/OR CARRIER WITHDRAWAL IN THE EVENT OF A CATASTROPHIC LOSS OCCURRING PRIOR TO OCTOBER 1, 2023 AND/OR BINDING OF PROGRAM. Per Expiring Change from Expiring DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 6 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s PROPERTY PROPOSAL RATING EXPOSURES – PROPERTY INFORMATION TOTAL INSUR ED VALUES EXPIRING 2022-2023 RENEWAL 2023-2024 TOTAL BUILDING VALUES $40,688,612 $40,688,612 TOTAL CONTENT VALUES $5,202,596 $5,202,596 DECLARED /PROP IN OP EN $4,185,815 $4,185,815 EDP E QUIPMENT (HARDWARE) $1,243,800 $1,243,800 BUSINES S INTERRUPTION/EXTRA EXPENSE $1,000,000 $1,000,000 EQUIPMENT VALUES $2,681,561 $2,916,561 AUTOMOBILE VALUES – ACTUAL CASH VALUE $2,383,879 $2,452,187 AUTOMOBILE VALUES – REPLACEMENT COST $4,950,000 $4,650,000 RENTAL VALUES $0 $0 MISCELLANEOUS PROPERTY $0 $0 TOTAL INSURABLE VALUES $62,336,263 $62,339,571 APPRAISAL COSTS ARE INCLUDED WITHIN THE PRM PROGRAM DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 7 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s PROPERTY TERRORISM & SABOTAGE PROPOSAL PROPERTY TERRORISM & SABOTAGE EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 COMPANY LLOYDS OF LONDON LLOYDS OF LONDON TERRORISM & SABOTAGE $ 25,000,000 Per Occurrence 25,000,000 Aggregate DEDUCTIBLE $10,000 ASSOCIATION SUB-LIMITS [NOT ALL INCLUSIVE] BUSINESS INTERRUPTION SUBLIMIT $93,024,718 CIVIL OR M ILITARY AUTH ORITY SUBLIMIT $1,000,000 30 DAY(S), & 1 MILE(S) DEBRIS REMOVAL E XPENSES SUBLIMIT $250,000 DECONTAMINATION COSTS E XCLUDING NCBR SUBLIMIT $250,000 DEMOLITION & INCREASED COST OF CONSTRUCTION SUBLIMIT $ 1,000,000 ERRORS & OMISSIONS SUBLIMIT $250,000 ELECTRONIC DATA PROCESSING MEDIA SUBLIMIT $1,000,000 EXTENDED PERIOD OF INDEMNITY SUBLIMIT $0 AND 180 DAY(S) FINE ART SUBLIMIT $250,000 INGRESS/EGRESS SUBLIMIT $1,000,000, 30 DAY(S) & 1 MILE(S) PRESERVATION OF PROPERTY SUBLIMIT $250,000 PROFESSIONAL FEES SUBLIMIT $250,000 RELOCATION EXPENSE SUBLIMIT $250,000 SERVICE INTERRUPTION SUBLIMIT $1,000,000, 30 DAY(S) & 1 MILE(S) TRANSIT SUBLIMIT $250,000 VALUABLE PAPERS SUBLIMIT $250,000 ACCOUNTS RECEIVABLE SUBLIMI T $250,000 ASBESTOS SUBLIMIT $500,000 COMMISSIONS, PROFITS & ROYALTIES SUBLIMIT $250,000 DELAY IN STARTUP COST SUBLIMIT $250,000 FIRE PROTECTIVE SYSTEMS SUBLIMIT $10,000 GREEN BUILDING ADDITIONAL E XPENSE SUBLIMIT $250,000 KEY & LOCK EXPENSE SUBLIMIT $250,000 LANDSCAPING SUBLI MIT $10,000 LOSS OF ATTRACTION SUBLIMIT $0, 0 DAY(S) & 0 MILE(S) MISCELLANEOUS UNNAMED LOCATIONS SUBLIMIT $1,000,000 AND 30 DAY(S) NEWLY ACQUIRED LOCATIONS SUBLIMIT $1,000,000 AND 90 DAY(S) PROPERTY IN COURSE OF CONSTRUCTION $1,000,000 RENTAL INCOME SUBLIMIT $93,024,718 SOFT COST SUBLIMIT $10,000 UNLESS OTHERWISE SPECIFIED, ALL SUB-LIMITS LISTED ABOVE APPLY ON A PER OCCURRENCE BASIS AND ARE A PART OF, AND NOT IN ADDITION TO, THE MUNICIPALITIES TERRORISM AND SABOTAGE LIMIT OF LIABILITY Per Expiring Change from Expiring DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 8 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s ACTIVE SHOOTER & MALICIOUS ATTACK PROPOSAL ACTIVE SHOOTER & MALICIOUS ATTACK EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 COMPANY LLOYDS OF LONDON LLOYDS OF LONDON TERRORISM & SABOTAGE $ 2,000,000 Per Occurrence 2,000,000 Aggregate DEDUCTIBLE $10,000 ASSOCIATION SUB-LIMITS [NOT ALL INCLUSIVE] ADDITIONAL SECURITY MEASURES SUBLIMIT $250,000 COUNSELING SUBLIMIT $250,000 PUBLIC RELA TIONS COSTS SUBLIMIT $250,000 MISCELLANEOUS CRISIS MANAGEMENT E XPENSES SUBLIMIT $ 250,000 WAITING PERIOD 0 HOURS PREMIUM ANNUAL PREMIUM INCLUDED IN PROPERTY PREMIUM INCLUDED IN PROPERTY PREMIUM UNLESS OTHERWISE SPECIFIED, ALL SUB-LIMITS LISTED ABOVE APPLY ON A PER OCCURRENCE BASIS AND ARE A PART OF, AND NOT IN ADDITION TO, THE ACTIVE SHOOTER AND MALICIOUS ATTACK LIMIT Per Expiring Change from Expiring DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 9 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s CRIME PROPOSAL ABOVE PROPERTY PROGRAM/PREMIUM QUOTATION SUBJECT TO CHANGE, RE-RATE AND/OR CARRIER WITHDRAWAL IN THE EVENT OF A CATASTROPHIC LOSS OCCURRING PRIOR TO OCTOBER 1, 2022 AND/OR BINDING OF PROGRAM. CRIME EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 COMPANY PUBLIC RISK MANAGEMENT OF FLORIDA PUBLIC RISK MANAGEMENT OF FLORIDA DEDUCTI BLE $1,000 LIMITS EMPLOYEE THEFT-PER LOSS COVERAGE $500,000 FORGERY OR ALTERATION $500,000 INSIDE PREMISES -THEFT OF MONEY & SECURITIES $500,000 INSIDE PREMISES -ROBBERY , SAFE BURGLARY -OTHER PROPERTY $500,000 OUTSIDE THE PREMISES $500,000 COMPUTER FRAUD $500,000 FUNDS TRANS FER FRAUD $500,000 MONEY ORDERS AND COUNTERFEIT PAPER CURRENCY $500,000 IMPERSONAT ION FRAUD/SOCIAL E NGINEERING $100,000 CONDITIONS [NOT ALL INCLUSIVE] FAITHFUL PERFORMANCE OF DUTY INCLUDED INCLUDED 45 DAY NOTICE OF CANCELLATION/10 DAYS NON-PAYMENT INCLUDED 60 DAY LOSS REPORT REQUIREMENT INCLUDED NO MINIMUM E ARNED PREMIUM INCLUDED PREMIUM ANNUAL PREMIUM INCLUDED IN PROPERTY PREMIUM INCLUDED IN PROPERTY PREMIUM Per Expiring Change from Expiring DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 10 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s BOILER & MACHINERY PROPOSAL BOILER & MACHINERY EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 COMPANY TRAVELERS ENERGYMAX 21 TRAVELERS ENERGYMAX 21 NAMED INSURED PUBLIC RISK MANAGEMENT OF FLORIDA PUBLIC RISK MANAGEMENT OF FLORIDA DEDUCTIBLES ALL OBJECTS $1,000 TRANSFORMERS 10,000 KVA $10,000 VALUATION ALL OTHER EQUIPMENT REPAIR AND/OR REPLACEMENT EQUIPMENT 20 YEARS OR OLDER ACTUAL CASH VALUE ASSOCIATION LIMITS LIMIT PER AC CIDENT $50,000,000 ASSOCIATION S UB-LIMITS [NOT ALL INCLUSIVE ] CONTINGENT BUSINES S INTERRUPTION /EXTRA E XPENSE $250,000 DEMOLITION/INCREASED COST $1,000,000 ERRORS IN DESCRIPTION POLICY LIMIT EXPEDITING EXPENSE POLICY LIMIT HAZARDOUS SUBSTA NCE $2,000,000 MEDIA $500,000 NEWLY ACQUIRED LOCATION POLICY LIMIT ORDINANCE OR LAW INCL. DEMOLITION $1,000,000 REFRIGERAN T CONTAMINATION POLICY LIMIT WATER DAMAGE POLICY LIMIT MAJOR P ERILS EXCLUDED [NOT ALL INCLU SIVE ] EARTHQUAKE EXCLUDED EC PERILS EXCLUDED FLOOD EXCLUDED FREEZE EXCLUDED FURNACE EXPLOS ION EXCLUDED LIGHTNING EXCLUDED PREMIUM ANNUAL PREMIUM $3,919 $4,703 difference $ 784 20.00 % ABOVE PROGRAM/PREMIUM QUOTATION SUBJECT TO CHANGE, RE-RATE AND/OR CARRIER WITHDRAWAL IN THE EVENT OF A CATASTROPHIC LOSS OCCURRING PRIOR TO OCTOBER 1, 2023 AND/OR BINDING OF PROGRAM. Per Expiring Change from Expiring DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 11 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s GENERAL LIABILITY PROPOSAL ASSOCIATION AGGREGATE $100,000,00 0 FOR ALL LIABILITY COVERAGES C OMMUNICABLE DISEASE S UB-LIMIT & AGGREGATES APPLIES TO ALL LIABILITY COVERAGES COMBINED GENERAL LIABILITY EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 COMPANY PUBLIC RISK MANAGEMENT OF FLORIDA PUBLIC RISK MANAGEMENT OF FLORIDA COVERAG E FORM OCCURRENCE DEDUCTIBLE NIL LIMIT S LIMIT OF LIABILITY (INCLUSIVE OF SIR) $2,000,000 COVERAGE [INCLUDING BUT NOT L IMITED TO] EMPLOYEE BENEFIT LIABILITY INCLUDED LAW E NFORCEMENT LIABILITY INCLUDED MISCELLANEOUS PROFESSIONAL INCLUDED TERMS [INCLUD ING BUT NOT L IMITED TO] ASSAULT & BA TTERY INCLUDED BLANK ET CONTRACTUAL-H OLD H ARMLESS INCLUDED BODILY INJURY /PROPERTY DAMAGE INCLUDED EMT/PARAMEDICAL COVERED INCLUDED FALSE ARREST/IMPRISONMENT INCLUDED HOST & LIQUOR LIABILITY INCLUDED INVASION OF RIGHT OF PRIVACY INCLUDED MALICIOUS PROSECUTION INCLUDED MENTAL ANGUISH INCLUDED MENTAL INJURY INCLUDED PROPERTY IN THE CARE, CUSTODY & CONTROL INCLUDED COMMUNICABLE DISEASE* 200,000 PER CLAIMANT/$300,000 PER OCC /$300,000 MEMBER AGG/$3,000,000 POOL AGG. EXCLUSIONS [INCLUDING BUT NOT LIMITED TO] AIRCRA FT LIABILITY E XCLUDED MEDIAL PAYMENTS (NOT LEGA L LIABILITY ) E XCLUDED PRODUCT RECALL, TAMPERING OR GUARANTEE E XCLUDED WAR, NUCLEAR HAZARDS E XCLUDED PREM IUM ANNUAL PREMIUM $206,618 $225,627 difference $ 19,009 9.20% Per Expiring Change from Expiring DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 12 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s PUBLIC OFFICIALS/EMPLOYMENT PRACTICES LIABILITY PROPOSAL ASSOCIATION AGGREGATE $100,000,000 FOR ALL LIABILITY COVERAGES COMMUNICABLE DISEASE S UB-LIMIT & AGGREGATES APPLIES TO ALL LIABILITY COVERAGES COMBINED PUBLIC OFFICIALS/EMPLOYMENT PRACTICES LIABILITY EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 COMPANY PUBLIC RISK MANAGEMENT OF FLORIDA PUBLIC RISK MANAGEMENT OF FLORIDA COVERAGE FORM OCCURRENCE RETROACTIVE DATE N/A DEDUCTIBLE NIL PUBLIC OFFICIALS LIABILITY LIMIT OF LIABILITY (INCLUSIVE OF SIR) $2,000,000 ANNUAL AGGREGATE $6,000,000 E MPLOYMENT PRACTICES LIABILITY LIMIT OF LIABILITY (INCLUSIVE OF SIR) $2,000,000 ANNUAL AGGREGATE $6,000,000 SUB-LIMITS [INCLUDING BUT NO T LIMITED TO ] BERT HARRIS $300,000/$300,000 INVERSE CONDEMNATION $100,000/$100,000 NON-MONETARY DAMAGES $100,000/$100,000 COVERAGE [INCLUDING BUT NOT LIM ITED TO] ELECTED OFFICIALS , APPOINTED OFFICERS INCLUDED ERRORS AND OMISSIONS INCLUDED MISFEASA NCE, MALFEASANCE & NONFEASANCE INCLUDED NEGLIGENCE INCLUDED SEXUAL H ARASSMENT INCLUDED SEXUAL MISCONDUC T [COVERAGE AVAILABLE] EXCLUDED WRONGFUL ACTS OF PUBLIC OFFICIALS INCLUDED COMMUNICABLE DISEASE * 200,000 PER CLAIMANT /$300,000 PER OCC /$300,000 MEMBER AGG/$3,000,000 P OOL AGG. PREMIUM ANNUAL PREMIUM INCLUDED WITHIN THE GL PREMIUM INCLUDED WITHIN THE GL PREMIUM BOTH PUBLIC OFFICIALS LIABILITY AND EMPLOYMENT PRACTICES LIABILITY IS SUBJECT TO A PER MEMBER COMBINED AGGREGATE OF $6,000,000 Per Expiring Change from Expiring DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 13 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s AUTOMOBILE LIABILITY PROPOSAL AUTOMOBILE LIABILITY EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 COMPANY PUBLIC RISK MANAGEMENT OF FLORIDA PUBLIC RISK MANAGEMENT OF FLORIDA COVERAGE FORM OCCURRENCE DEDUCT IBLE NIL LIMIT S LIABILIT Y COMBINED SINGLE LIMIT (INCLUSIVE OF SIR) $2,000,00 0 COVERAGE [INCLUDING BUT NOT LI MITED TO] PERSONAL INJURY PROTECTION STATUTORY PHYSICAL DAMAGE COLLISION COMPRE HENSIVE EXCLUDED – COVERED UNDER PROPERTY EXCLUDED – COVERED UNDER PROPERTY HIRED/BORROWED LIABILITY $2,000,000 HIRED/BORROWED PHYSICAL DAMAGE INCLUDED NON-OWNED LIABILITY $2,000,000 NON-OWNED PHYSICA L DAMAGE INCLUDED EXCLUSIONS [INCLUDI NG BUT NOT LIMITED TO ] AUTO PHYSICAL DAMAGE E XCLUDED – COVERED UNDER PROPERTY MEDICAL PAYMENTS E XCLUDED UNINSURED /UNDERINSURED MOTORIST E XCLUDED PREMIUM ANNUAL PREMIUM INCLUDED WITHIN THE GL PREMIUM INCLUDED WITHIN THE GL PREMIUM ASSOCIATION AGGREGATE $100,000,000 FOR ALL LIABILITY COVERAGES Per Expiring Change from Expiring DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 14 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s EXCESS LIABILITY PROPOSAL EXCESS LIABILITY EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 COMPANY PUBLIC RISK MANAGEMENT OF FLORIDA PUBLIC RISK MANAGEMENT OF FLORIDA COVERAGES INCLUDED AUTOMOBILE LIABILITY EMPLOYEE BENEFITS LIABILITY EMPLOYMENT PRACTICES LIABILITY ERRORS & OMISSIONS LIABILITY GENERAL LIABILITY LAW ENFORCEMENT LIABILITY EXCLUSIONS [INCLUDING BUT NOT L IMITED TO] ABUSE OR MOLE STATION AIRPORT LIABILITY ASBESTOS AUTOMOBILE FIRST PARTY COVERAGE DAMS, LEVEES, DIKES OR RESERVOIRS EMPLOYE RS’ LIABILITY/WORKERS’ COMPENSATION FAILURE TO SUPPLY EXCLU SION-UTILITIES FUNGI OR BACTERIA NURSING H OME PROPERTY DAMAGE E XCLUSION-REAL AND/OR PERSONAL PROPERTY POLLUTION LIABILITY E XCLUSION-HOSTI LE FIRE COVERAGE SILICA OR DUST WAR WHARFINGERS’ LIABILITY LINE OF COVERAGE LIMIT EXCESS OF LIMITS COVERAGE TRIGG ER AUTO LIABILITY $3,000,000 $2,000,000 PER ACCIDENT EMPLOYEE BENEFITS LIABILITY $3,000,000 $2,000,000 PER CLAIM EMPLOYMENT PRACT ICES LIAB $3,000,000 $2,000,000 PER CLAIM GENERAL LIABILITY INCL UDING L AW ENFORCEMENT $ 3,000,000 $2,000,000 PER OCCURRENCE M ISCELLANEOUS PROFESSIONAL $ 3,000,000 $2,000,000 PER CLAIM PREMIUM ANNUAL PREMIUM INCLUDED WITHIN THE GL PREMIUM INCLUDED WITHIN THE GL PREMIUM ASSOCIATION AGGREGATE $100,000,000 FOR ALL LIABILITY COVERAGES 3,000,000 COMBINED E XCESS LIABILITY AGGREGATE APPLIES PER MEMBER FOR EMPLOYEE BENEFITS LIABILITY, PUBLIC OFFICIALS ERRORS & OMISSIONS AND EMPLOYMENT PRACTICES LIABILITY ONLY DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 15 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s WORKERS’ COMPENSATION PROPOSAL WORKERS’ COMPENSATION E XPIRING 10/01/21 TO 10/01/22 RENEWAL 10/01/22 TO 10/01/23 CARRIER PUBLIC RISK MANAGEMENT PUBLIC RISK MANAGEMENT DEDUCTIBLE NIL LIMITS EXCESS WORKER’S COMPENSA TION MEDICAL, DISABILITY , DEATH STATUTORY EMPLOYERS ’ LIABILITY EACH ACCIDENT EACH E MPLOYEE FOR DISEASE 2,000,000 2,000,000 TERMS & C ONDITIONS [NOT ALL INCLU SIVE ] BROAD FORM ALL STATES INCLUDED MARITIME COVERA GE ENDORSEMENT INCLUDED VOLUNTARY COMPE NSATION E NDORSEMENT INCLUDED SUBJECT TO ANNUAL P OLICY AUDIT – PLEASE NOTE THE 10/01/202 3 TO 10/01/2024 WC COVE RAGE PERIOD WILL BE AUDITED AT A RATE OF 0.0262265 PER DOLLAR OF PAYROLL ON THE TOTAL WC PREMIUM, BEFORE ANY PARTICIPATION CREDITS INCLUDE D PREMIUM ANNUAL P REMIUM $374,164 $400,804 difference $ 26,640 7.12% DESCRIPTION CLASS CODE 2022 -2023 ESTIMATED PAYROLL 2023-2024 ESTIMATED PAYROLL IRRIGATION WORKERS 0251 $109,513 $113,894 STREET OR ROAD PAVING 5509 $251,856 $261,930 FIREFIGHTERS & DRIVERS 7704 $2,715,613 $2,824,238 POLICE OFFICERS & DRIVERS 7720 $3,984,638 $4,144,024 AUTOMOBILE SERVICE COMPANIES & EMS PROVIDERS & DRIVERS 8380 $218,818 $227,571 CLERICAL OFFICE EMPLOYEES 8810 $3,530,153 $3,671,359 BUILDINGS OPERATIONS BY OWNER -ALL OTHER EMPLOYEES 9015 $261,594 $272,058 CLUBS – COUNTRY. GOLF, FISHING OR YACHT & CLERICAL 9060 $998,058 $1,037,980 PARK NOC- ALL EMPLOYEES & DRIVERS 9102 $893,613 $929,358 GARBAGE ASHES OR REFUSE COLLECTION DRIVERS 9403 $1,024,619 $1,065,604 MUNICIPAL, TOWNSHIP, COUNTY OR STATE EMPLOYEE NOC 9410 $706,124 $734,3 69 TOTAL PAYROLL $14,694,599 $15,282,383 4.00% Per Expiring Change from Expiring DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 16 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s CYBER LIABILITY PROPOSAL CYBER LIABILITY EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 CARRIER GREAT AMERICAN INSURANCE GREAT AMERICAN INSURANCE NAMED INSURED PUBLIC RISK MANAGEMENT OF FLORIDA PUBLIC RISK MANAGEMENT OF FLORIDA COVERAGE FORM CLAIMS MADE RETROACTIVE DATE 10/01/2016 DEDUCTIBLE $100,000 $20,000 LIMITS LIMIT OF LIABILITY $1,000,000 ANNUAL AGGREGATE $5,000,000 POOL AGGREGATE COVERAGE (INCLUDING BUT NOT LIMITED TO] BUSINESS INCOME/EXTRA E XPENSE INCLUDED CYBER E XTORTION THREATS INCLUDED MEDIA LIABILITY INCLUDED PUBLIC RELATIONS EXPENSE INCLUDED REPLA CEMENT /RESTORATION OF ELECTRONIC DATA INCLUDED SECURITY BREACH E XPENSE INCLUDED SECURITY BREACH LIABILITY [INCLUDES REGULATORY FINES/PENALTIES AND PCI FINES ] INCLUDED PREMIUM ANNUAL PREMIUM INCLUDED IN PACKAGE PREMIUM INCLUDED IN PACKAGE PREMIUM Per Expiring Change from Expiring DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 17 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s OPTION – POLLUTION & REMEDIATION LIABILITY PROPOSAL NOT CURRENTLY PURCHASED POLLUTION AND REMEDIATION LEGAL LIABILITY EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 CARRIER INDIAN HARBOR INSURANCE CO. INDIAN HARBOR INSURANCE CO. NAMED INSURED PUBLIC RISK MANAGE MENT OF FLORIDA PUBLIC RISK MANAGEMENT OF FLORIDA COVERAG E FORM CLAIMS MADE CLAIMS MADE RETROACTIVE DATE 10/01/1998 10/01/1998 SELF-INSURED R ETENTIO N $25,000 $25,000 LIMITS LIMIT OF LIABILITY EACH POLLUTION CONDITI ON $1,000,000 TOTAL LIMIT OF LIABILITY ANNUAL AGGREGATE $2,000,000 EMERGENCY REMEDIATION E XPENSE $250,000 EMERGENCY REMEDIATION E XPENSE AGGRE GATE $1,000,000 COVERAGE [INCL UDING BUT NOT LIMITED TO ] CONTINGENT TRANSPORTATION COVERAGE INCLUDED LEGAL DEFENSE EXPENSE INCLUDED ON P REMISES & OFF PREMIS ES REMEDIATION LEGAL LIABILITY INCLUDED POLLU TION LEGAL LIABILITY INCLUDED STORAGE TANKS INCLUDED Per Expiring Change from Expiring DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 18 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s OPTION – AIRPORT OWNERS & OPERATORS LIABILITY PROPOSAL NOT CURRENTLY PURCHASED AIRPORT OWNERS AND OPERATORS LIABILITY EXPIRING 10/01/22 TO 10/01/23 RENEWAL 10/01/23 TO 10/01/24 CARRIER ACE PROPERTY & CASUALTY INSURANCE COMPANY ACE PROPERTY & CASUALTY INSURANCE COMPANY NAMED INSURED PUBLIC RISK MANAGEMENT OF FLORIDA PUBLIC RISK MANAGEMENT OF FLORIDA FAA ID STATE NAME N/A N/A COVERAGE FORM OCCURRENCE OCCURRENCE DEDUCTIBLE NIL NIL LIMITS LIMIT OF LIABILITY $2,000,000 EXTENDED COVE RAGE -WAR, H I-JACKING & OTHER PERILS ANNUAL AGGREGATE $ 2,000,000 FIRE DAMAGE LIMIT ANY ONE FIRE $100,000 HANGARKEEPERS NOT “IN FLIGHT” LIMIT ANY ONE OCCURRENCE $ 1,000,000 HANGARKEEPERS NOT “IN FLIGHT” LIMIT ANY ONE AIRCRAFT $1,000,000 MALPRACTICE ANNUAL AGGREGATE $2,000,000 MEDICAL EXPENSE LIMIT ANY ONE PERSON $1,000 NON-OWNED AIRCRAFT LIABILITY $2,000,000 PERSONAL INJURY AND ADVERTISING INJURY ANNUAL AGGREGATE $ 2,000,000 PRODUCTS-COMPLETED OPERATIONS ANNUAL AGGREGATE $2,000,0 00 CONDITIONS [NOT ALL INCLUSIVE] 60 DAYS NOTICE OF CA NCELLATION, NON-RENEWAL OR REDUCTION IN COVERAGE BY INSURER, BUT 10 DAYS NOTICE FOR NON-PAYMENT OF PREMIUM DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 Page | 19 VILLAGE OF NORTH PALM BEACH PROPERTY & CASUALTY RENEWAL PROPOSAL OCTOBER 1, 2023 TO OCTOBER 1, 2024 Creating Unique Risk Solution s EXPOSURE COMPARISON VALUES BASED ON 2023-2024 PRM RENEWAL APPLICATION EXPOSURE 2022-2023 2023-2024 % CHANGE PROPERTY TIV $62,336,263 $62,339,571 0% NUMBER OF AUTOMOBILES 105 104 0% NUMBER OF EMPLOYEE 262 262 0% PAYROLL $14,694,599 $15,282,383 4% DocuSign Envelope ID: AC16DF35-A591-4220-ACB0-A7BF6AB4D0E2 L/Vl.0 Jllul1 GI IV CIVPC IIJ. P1V I VL/1-JJ-/'1J.71I Li Fumo•t1JVCG VILLAGE OF NORTH PALM BEACH PROPERTY &CASUALTY RENEWAL PROPOSAL PROPOSAL PRICING & BINDING AUTHORITY OCTOBER 1, 2023 TO OCTOBER 1, 2024 After careful consideration of reference proposal dated June 29, 2023, we accept your insurance program per indicated with and "X below: Agent's Fee 1 $10,000 1 $10,000 GRAND TOTAL 1 $830,080 1 $949,078 Cyber Liability Included Included PAYMENT PLAN: PRM ALLOWS THEIR MEMBERS TO PAY THEIR TOTAL COSTS IN FOUR (4) QUARTERLY INSTALLMENTS, THE FIRST INSTALLMENT IS DUE AT INCEPTION AND IS EQUAL To. 25% OF ALL COSTS. THE REMAINING COSTS WILL BE PAID OVER THE NEXT THREE (3) QUARTERS. THIS WARRANTS THAT YOU HAVE NO KNOWLEDGE OF ANY CLAIM, OR INCIDENT THAT MAY RESULT IN A CLAIM, THAT HAS NOT BEEN REPORTED TO THE INSURANCE CARRIER. IT IS UNDERSTOOD AND AGREED THAT REFERENCED PROPOSAL PROVIDES ONLY A SUMMARY OF THE INSURANCE PROGRAM OPTIONS OFFERED. THE ACTUAL POLICIES WILL CONTAIN THE COMPLETE TERMS, CONDITIONS, DEDUCTIBLES, EXCLUSIONS, ETCETERA. PLEASE REVIEW POLICY LANGUAGE FOR A'FULL UNDERSTANDING OF PURCHASED PROGRAM. Iu D�o�c�uuSiigned by: FF941���nnRRan� Member Signature Chuck Huff, village Manager Print Member Name 7/13/2023 Date *SIGNED BINDING AUTHORITY TO BE RETURNED BY 07/31/2023 THIS DOCUMENT IN ITS ENTIRELY IS CONFIDENTIAL & PROPRIETARY IN NATURE - NOT FOR PUBLIC RECORD. Creating Unique Tisk Solutions Paaye 120 FFIB First Florida Insurance Brokers ABALIATOR COMPANY 20 /2023 % Change PRM PROPERTY AND CRIME $247,867 $322,244 30.00% PRM BOILER & MACHINERY $3,919 $4,703 20.00% PRM. GL/AL/E&O/LEL & EXCESS LIABILITY $206,618 $225,627 9.20% PRM WORKERS' COMPENSATION $374,164 $4001804 7.12% PRM Member Credit ($12,488) ($14,300) PREMIUM TOTAL: $820,080 $939,078 14.51% Agent's Fee 1 $10,000 1 $10,000 GRAND TOTAL 1 $830,080 1 $949,078 Cyber Liability Included Included PAYMENT PLAN: PRM ALLOWS THEIR MEMBERS TO PAY THEIR TOTAL COSTS IN FOUR (4) QUARTERLY INSTALLMENTS, THE FIRST INSTALLMENT IS DUE AT INCEPTION AND IS EQUAL To. 25% OF ALL COSTS. THE REMAINING COSTS WILL BE PAID OVER THE NEXT THREE (3) QUARTERS. THIS WARRANTS THAT YOU HAVE NO KNOWLEDGE OF ANY CLAIM, OR INCIDENT THAT MAY RESULT IN A CLAIM, THAT HAS NOT BEEN REPORTED TO THE INSURANCE CARRIER. IT IS UNDERSTOOD AND AGREED THAT REFERENCED PROPOSAL PROVIDES ONLY A SUMMARY OF THE INSURANCE PROGRAM OPTIONS OFFERED. THE ACTUAL POLICIES WILL CONTAIN THE COMPLETE TERMS, CONDITIONS, DEDUCTIBLES, EXCLUSIONS, ETCETERA. PLEASE REVIEW POLICY LANGUAGE FOR A'FULL UNDERSTANDING OF PURCHASED PROGRAM. Iu D�o�c�uuSiigned by: FF941���nnRRan� Member Signature Chuck Huff, village Manager Print Member Name 7/13/2023 Date *SIGNED BINDING AUTHORITY TO BE RETURNED BY 07/31/2023 THIS DOCUMENT IN ITS ENTIRELY IS CONFIDENTIAL & PROPRIETARY IN NATURE - NOT FOR PUBLIC RECORD. Creating Unique Tisk Solutions Paaye 120 FFIB First Florida Insurance Brokers ABALIATOR COMPANY