HomeMy WebLinkAboutRESPONSE - RFP - 8350 INSURANCE0 | P a g e
RFP 8350 INSURANCE
CITY OF FORT COLLINS – RFP 8350
PROPERTY CASUALTY BROKERAGE SERVICES
TABLE OF CONTENTS
BROWN & BROWN OF COLORADO, INC.
Section Number
Cover Letter
Name of Company 1
References 2
Professional and Technical Insurance Capabilities 3
Market Selection 4
Brown and Brown Risk Management Capabilities 5
Customary Service Plan 6
Team Member Services 7
Proposed Cost of Services 8
Long Term Pricing 9
Initial Recommendations 10
Responsibilities of Broker / Agent 11
Why Brown & Brown 12
Exhibits
1
Cover Letter
2
September 7, 2016
Gerry Paul, Director
City of Fort Collins
Purchasing Department
215 North Mason Street
Fort Collins, Colorado 80524
RE: RFP 8350 Insurance
Dear Mr. Paul:
On behalf of Brown and Brown of Colorado, Inc, I am pleased to submit our qualified response to RFP 8350
Insurance. Brown and Brown’s philosophy is and always will be to exceed our clients’ expectations while
maintaining high professional and ethical standards. We provide a highly-experienced staff with a proactive
service commitment and dedication to the continuous improvement of our clients’ risk management
programs. As it relates to this RFP, we are uniquely positioned to help the City of Fort Collins as we are in
the city limits and able to service the needs of the city via our local presence which is unrivaled as compared
to our competition.
Brown & Brown, Inc. has been operating within the United States since 1939. Our company has grown to
be the 6
th
largest insurance intermediary in the U.S. with international operations in London and Bermuda.
We have been operating in Fort Collins since 2001 when we purchased the Reidman Agency. Due to our
volume and size, we are able to provide our clients extensive resources and the most favorable market
relationships in the state. Brown & Brown also sustains a national network of governmental entity-focused
professionals which adds to our strength.
At Brown & Brown, we recognize that governmental systems are integrated with the concept of
sustainability. We also believe that the private sector must adopt the same commitment and focus. Of course,
it is a delicate balance, producing an equilibrium between environmental concerns and financial viability, but
Brown & Brown understands that these factors are dependent on one another and with this in mind, we have
spearheaded a culture of environmental awareness.
In the last decade, the world has seen a revolutionary shift in how business is transacted on the
ground level, veritably transitioning business operations into the digital realm. There are far fewer reasons
to utilize paper, printers, and fax machines than ever before. Brown & Brown adopted this revolution on
January 1, 2014, as a corporate wide paradigm shift. We believe that with the advent of the IPad and other
technologically advanced systems, there is no reason why this plan is not sustainable, and we are
committed to the continued success of this endeavor.
3
The paperless overhaul we have undergone has not been the easiest route and certainly, there was a
learning curve. The process consisted of converting all of our files over the past decade into digital folders,
each employee doing their part to arduously scan each sheet of paper into our system before shredding the
physical documents and recycling them. In addition, the cloud system we have embraced has made physical
emergency backups obsolete.
We also understand that, for the time being, paper is still a necessity. However, this material must
be discarded in the most environmentally, efficient way possible. At Brown & Brown, the recycling of
goods is treated with the same importance as locking our office door at night or binding an insurance
renewal. Meeting financial goals and creating a safe environment for our employees will always be part of
the bedrock of our business model, but implementing a philosophy that betters the social and environmental
lives of our fellow citizens of Fort Collins rests next to these other precepts and completes the foundation
that we continue to build our business on.
Fort Collins continues to lead the way when it comes to environmentally forward-thinking policies
coupled with a social strategy that strives to better the circumstances of every person living in our city. The
city deserves a partner that feels the same. Here at Brown & Brown, we understand, just like the city of
Fort Collins, that if we do not place sustainability at the top of our priority list, who will? Organizations
must promote change and our hope is that we can provide a catalyst in this burgeoning change to continue
to flourish.
Brown & Brown has exclusively served Public Entities for more than 24 years and, as the current broker
for more than 250 public entities, is uniquely qualified to provide the services outlined in this RFP. The
City of Fort Collins would be served by our Risk Management Division, which provides dedicated staff and
resources specifically for public entities with large property schedules and self-insured components.
Our team will provide a fresh and creative approach to the City’s risk management program. Proof of our
ability to negotiate better terms than our competitors is evident in our experience with other clients. We have
never failed to improve a new client’s terms and conditions after implementing our renewal and negotiating
protocol.
Please feel free to contact us should you need further clarification and explanation of the project approach
described within of our proposal. We would appreciate an opportunity to participate in any in-person
interviews at the request of the City. We also strongly encourage the City staff to reach out to our clients and
references.
As the signer below and an authorized officer of this firm, I commit to providing Brokerage Services to
exceed the City’s expectations.
4
In addition to myself, the person authorized to make representations is Mrs. Kären Siwek:
Kären E. Siwek, CPA, CIC
Brown and Brown Insurance
4532 Boardwalk Drive, Suite 200
Fort Collins, Colorado. 80525
970.231.8708 (Cell)
970.494.4667 (Direct)
970.484.4165 (Fax)
ksiwek@bbcolorado.com
Sincerely,
Tyler McCallister
Tyler McCallister, CPCU, ARM, AAI, AU, ASLI
Executive Vice President
5
Section 1:
Name of Company
6
Brown & Brown of
Colorado, Inc.
dba Brown & Brown –
Fort Collins
7
Section 2:
References
8
Provide the names and telephone numbers of at least 5 (five) references. Provide any previous and current
local government experience. These should include other public entity accounts. Identify the type of service
provided for each reference and the length of time your firm has handled the account.
Public entity business is a strategic initiative for Brown & Brown of Colorado in 2016. We have
significant relationships and resources to facilitate our market penetration. Our Fort Collins office is one of
the top offices in the entire country and senior management has asked us to lead the charge. This is why
our references are not local but please see the exhibits for more examples of public entity business as well
as Fort Collins based clients that you are more than welcome to contact for reference purposes.
City of Gresham
Marlee Smith Janney
1333 NW Eastman Parkway
Gresham, OR 97030
503.618.2436
Agent of Record / Risk Management Consulting / 13 years
City of Medford
Bonnie Huard
411 West 8
th
Street
Medford, OR 97501
541.774.2039
Agent of Record / Risk Management Consulting / Over 15 years
City of Tigard
Jennifer Curran
13125 SW Hall Boulevard
Tigard, OR 97223
503.718.2418
Agent of Record / Risk Management Consulting / Over 15 years
City of West Linn
Richard Seals
22500 Salamo Road
West Linn, OR 97068
503.722.5505
Agent of Record / Risk Management Consulting / Over 15 years
City of Springfield
Tom Mugleston
225 Fifth Street
Springfield, OR 97477
541.726.3724
Agent of Record / Risk Management Consulting / 10 years
9
Section 3:
Professional and
Technical Insurance
Capabilities
10
Describe any special expertise your firm has in providing insurance brokerage services to a City or other
public entity. Does your company have any proprietary programs for government entities? How would the
existence of such a program affect your firm’s objectivity in the marketing of the City’s insurance program?
Risk Management Analysis and Program Design
One of the many reasons for our success is that we do not simply “sell” insurance policies. Our desired
position with our clients is that of a true risk management consultant. We objectively evaluate our clients’
risk exposures and recommend the most cost effective method of handling of each risk.
We visit major property locations, review current loss control and safety programs, review loss
experience reports, and interview key personnel in order to understand our clients’ needs. Formal reports
are written with recommendations for improvement and correction if needed. We will also provide loss
control resources and training when requested and in response to our own recommendations. Our
experience in designing programs has ranged from high retention/ self-insured structures to first dollar
coverage.
In addition to examining retention levels, we also evaluate risk transfer methods (insurance, avoidance,
contractual transfer, etc.), contractual indemnification and alternative risk financing. Below is a template
of a retention analysis:
(Losses over $500,000 total incurred in the past 10 years)
ACCIDENT DATE TOTAL INCURRED CLAIMANT NAME CLAIM STATUS
2008 $558,542 Mr. Jones, Sr. OPEN
2010 $542,493 Mrs. Jones OPEN
2013 $789,170 Mr. Jones, Jr. OPEN
YEAR TOTAL INCURRED Self-Insured Insurance Pays ANNUAL PREMIUM TOTAL COST OF RISK
2004-2005 1,281,504 1,281,504 0 250,000 1,531,504
2005-2006 2,324,440 2,324,440 0 250,000 2,574,440
2006-2007 2,122,609 2,122,609 0 250,000 2,372,609
2007-2008 1,595,139 1,595,139 0 250,000 1,845,139
2008-2009 3,540,482 3,501,312 39,170 250,000 3,751,312
2009-2010 1,611,807 1,611,807 0 250,000 1,861,807
2010-2011 2,418,043 2,418,043 0 250,000 2,668,043
2011-2012 1,266,775 1,266,775 0 250,000 1,516,775
2012-2013 1,164,270 1,164,270 0 250,000 1,414,270
2013-2014 1,005,721 1,005,721 0 250,000 1,255,721
18,330,790 18,291,620 39,170 2,500,000 20,791,620
YEAR TOTAL INCURRED Self-Insured Insurance Pays ANNUAL PREMIUM TOTAL COST OF RISK
2004-2005 1,281,504 1,281,504 0 300,000 1,581,504
2005-2006 2,324,440 2,324,440 0 300,000 2,624,440
2006-2007 2,122,609 2,122,609 0 300,000 2,422,609
2007-2008 1,595,139 1,595,139 0 300,000 1,895,139
2008-2009 3,540,482 3,401,312 139,170 300,000 3,701,312
2009-2010 1,611,807 1,611,807 0 300,000 1,911,807
2010-2011 2,418,043 2,418,043 0 300,000 2,718,043
2011-2012 1,266,775 1,266,775 0 300,000 1,566,775
2012-2013 1,164,270 1,164,270 0 300,000 1,464,270
2013-2014 1,005,721 1,005,721 0 300,000 1,305,721
18,330,790 18,191,620 139,170 3,000,000 21,191,620
CLAIMS PAYMENTS
OPTION $650,000 SIR & PREMIUM
CLAIMS PAYMENTS
XYZ CLIENT 10-YEAR CLAIMS ANALYSIS
DESCRIPTION
Detail Description
Detail Description
Detail Description
EXPIRING $750,000 SIR & PREMIUM
11
Listed below are tools and processes utilized in the identification and risk management process:
ModMaster – this software provides analysis and forecasting for experience modification factors for
Workers Compensation.
RiskMeter – Risk Meter is an on line resource providing on-demand hazard risk data. This in-house
subscription is utilized to be sure the most accurate and complete underwriting data is provided to the
property underwriters via the Property Schedule. Real time data available for individual sites includes:
• Flood Zone Determination including distance from special flood hazard area zone
• FEMA Flood Insurance Rate Map and panel number
Flood Audit – This is a unique process that we have developed to keep up with FEMA’s internal changes
including flood mapping changes. We regularly review anticipated flood zone changes (which can
employ a variety of methods) to determine impact to structures located in Special Flood Hazard Areas
(SFHA’s). The importance of this exercise is to determine and communicate the implications of FEMA
and the Stafford Act to our clients. Brown & Brown recently acquired Wright Flood and this provides
us access to all of their programs and assistance on a priority basis with our own dedicated team at Wright.
Property Modeling – In addition to the analytics and sophisticated reports, we possess and will utilize
in-house modeling capabilities to generate both AIR and RMS modeling results including side-by-side
comparison of both models. Our process generates multiple models to disclose deficiencies in the building
and secondary characteristics data in the current schedule. The second step will be to “scrub” the data to
determine the impact including alternative and possibly more accurate data. This process and its findings
are very helpful to analyze the city’s risk portfolio to the marketplace.
Risk Analytics – We have a national contract with AIR Worldwide and their new Touchstone Platform.
The Platform provides proprietary analytics and software program results featuring individual client risk
exposures on multi-layered interactive maps. These highly sophisticated analyses can provide a unique
perspective of the risk most likely to affect operations.
• Data cleansing and auditing to reduce uncertainty and ensure adequate data is represented in the
modeling software utilized by insurers to evaluate risk, set rate and coverage terms
• Custom catastrophe modelling analysis
• Data quality assessments
• Geo-visualization tool – Spatial Key
12
Asset Management Program – AMP is proprietary software to which we subscribe. The program was
developed and is maintained by AssetWorks, a third party vendor. This web-based system provides an
efficient and secure platform for tracking and reporting property data. Uses include loss control, proof of
loss documentation, Cat Modeling, historical tracking and insurance marketing. This is available, but not
mandatory for our clients to use at no cost. It provides our clients with the following services to support
large Property Schedule Maintenance and Claims Management Support.
• Integration with Existing Appraisal Reports
• Historical Tracking of Primary and Secondary COPE data
• Document and Valuation Management and Trending
• Dynamic Reporting Tool
• Data Exchange Capability
• Communication capability with Broker for real time property schedule changes
• Future versions may include advanced claims and FEMA interface
The following are the steps to provide the city with the best coverage at a competitive cost:
• Research the Governmental Tort Laws and keep up to date with changes
• Review and update exposure data, SOV, autos, financial, employees, etc.
• 5 years currently valued loss runs, monthly reports, work closely with applicable carriers /
third party administrators
• Comprehensive, accurate public entity application process for new and renewal
• Actuarial analysis and loss modeling as needed
• Propose coverage limits, retentions, endorsements
• Negotiate pricing, limits and coverage for the city
• Integrate city insurance data into Apex automated system
• Review contracts for coverage exposure and avoid gaps
• Deliver proposal, binder, policy and certificates in timely fashion
• Manage client services; work closely with Loss Control and City Risk Management
Some cities face catastrophic exposure or state specific coverages required by governmental or legal
environment. Our team will work with the city to customize coverage to fit the exposures.
Additional coverage options may be provided by our team on an as needed basis:
• Excess / Umbrella Liability
• Environmental including Premises pollution, UST/AST Storage Tanks
• Miscellaneous coverage: Aviation, Accident & Sickness, Identity Theft, etc.
• Miscellaneous Professional Liability and Special Events
13
One of the main advantages to choosing our team is our ability to offer services which may include:
• Policy services, certificates, etc.
• Actuarial (may be third party)
• Loss Control / Risk Management (in concert with carrier (s))
• Claims management and oversight working with carriers / third party administrators
• Brokerage services (additional coverages)
Our team will work closely with the carrier (s), consultant and City Risk Management personnel to customize
loss control services to fit the city’s needs.
Loss control services may include:
Services & Safety Surveys
Athletic Programs Safety Review
Facilities Review
Fire/EMS Department
Food Services Safety Survey
Human Resource Department Review
Law Enforcement
Maintenance Shop and Safety
Playgrounds & Play Equipment
Public Works Safety Survey
Recreation Facilities to include Parks, Ball fields, Playgrounds and Swimming Pools
Science Labs, Industrial Arts, Home and Living Fine Arts, and other Specialized Vocational
Streets, Sidewalks, and Signage
Summer Camps / School Education Trips
Transportation Safety Survey
Innovative Technology / IT Systems
Our team utilizes comprehensive software designed for account services. We have invested significant
resources to ensure quality control, data management and reporting capabilities are second to none. It
provides the following:
• Single entry
• Public Entity Applications
• Proposal
• Binder
• Endorsements & Certificates
• Accounting
• Claims management and analysis
• Marketing data and analysis
• Reports, reports, reports
• Suspense tools and email to meet lofty Brown & Brown corporate quality control standards
14
We are constantly updating and modifying this system to meet the needs our carriers, clients and corporate
oversight. We have the ability to provide reports to the city in any format desired.
Claims Services
We are on your side through the entire claim process, going beyond what is expected to ensure quick and
appropriate resolution. By providing consistent and on-going oversight, we contribute significantly to
reducing your cost of risk. Our experienced claim advocacy team works with you throughout the claims
process to:
• Coordinate and facilitate with all involved persons: carriers, adjusters, independent adjusters, forensic
accountants and internal risk management personnel
• Provide full or partial claims management from claims notification to settlement
• Provide claims analysis and trending with specific recommendations
• Provide advocacy and assistance in claim resolution
• Participate in the development of response to carrier coverage concerns
• Conduct quarterly (or as needed) claims and loss reviews
Brown & Brown’s claims department is available 24 hours a day, 7 days a week. Coordinating the claims
process begins with your notice of an incident and continues with systematic monitoring. Our role is to be a
facilitator in the claims process and an independent advocate for the City of Fort Collins. Diana Vigil is our
Senior Account Manager and manages our claims and risk management team.
We tailor claims tracking and reporting to meet your needs. Claim activity can be provided by line of
insurance, or combined in a master loss history. The claims data can be analyzed from more than 40
different perspectives to help identify problem areas and opportunities for improvement. We can also
provide premium and cost analysis in conjunction with loss history to help you allocate claim costs by
department and compare premiums and rates for the coverage associated to those claims. The goal of this
analysis is to reduce future losses and associated insurance costs. Detailed loss summaries of both open and
closed claims are available monthly, quarterly, semi-annually or annually.
15
Prompt response to all of the City’s insurance related questions
Brown & Brown will respond promptly to all the City of Fort Collins’ requests. We have developed the
following standards as a promise to our customers. We will meet or surpass these standards without fail:
We do not use any proprietary programs that would affect our objectivity in marketing your risk
management program.
Task Minimum Service Standard
Return client phone calls Within 4 hours
Prepare certificate or evidence of insurance Within 24 hours - Same day if requested Noon
Answer client written response Within 24 hours
Provide a formal written service plan Within one month of assignment
Conduct renewal strategy meeting with client 4 months prior to expiration
Request updated renewal information 4 months prior to expiration
Receive updated renewal information from 3 months prior to expiration
Send renewal submission to markets 75 days prior to expiration
Coordinate underwriter meetings with insured As required
Insurance quotes due 45 days prior to expiration
Present renewal results to client 30 days prior to expiration
Bind coverage, issue certificates, auto ID 10 days prior to expiration
Prepare premium allocation breakouts for Within 7 days of binding coverage
Invoice client Within 7 days of the effective date
Forecast premiums for budgeting purposes Due February each year
Prepare Brown & Brown service fee letter Within 15 days before/after renewal
Review policies and non-premium Within 30 days of receipt
Deliver policies to client Within 60 days of renewal
Review and invoice annual audits Within 10 days of receipt
Review and invoice premium endorsements Within 10 days of receipt
Prepare and present stewardship report Annually
16
Section 4:
Market Selection
17
What markets would you most likely approach, in order of preference, if chosen?
Description Current Proposed 1 Proposed 2 Proposed 3 Proposed 4 Proposed 5
Property Lexington
Insurance
Company
Hartford
AMBest:
A+, XV
Travelers
AMBest:
A++, XV
Euclid /
Hudson
Specialty
Insurance
Group
AMBest:
A, XV
Great
American
AMBest:
A+, XIV
PEPIP
Program
(Alliant /
Lexington)
AMBest:
A, XV
Auto Physical
Damage
Allied
World
Surplus
Lines
Insurance
Alteris /
Argonaut
AMBest:
A+, XV
Munich
AMBest:
A+, XV
Old
Republic
AMBest:
A+, XII
One Beacon
AMBest:
A, X
Travelers
AMBest:
A++, XV
Fine Arts Axa
Insurance
Company
Hartford
AMBest:
A+, XV
Chubb
18
Description Current Proposed 1 Proposed 2 Proposed 3 Proposed 4 Proposed 5
Fiduciary Alterra
America
Insurance
Company
Euclid /
Hudson
AMBest:
A, XV
AIG
AMBest:
A, XV
Travelers
AMBest:
A++, XV
ACE
AMBest:
A+, XV
Hartford
AMBest:
A+, XV
Crime Travelers
Casualty &
Surety
Company
AMBest:
A+, XV
Hartford
AMBest:
A+, XV
Great
American
AMBest:
A+, XIV
Travelers
AMBest:
A++, XV
Ironshore
AMBest:
A,I XV
ACE
AMBest:
A++, XV
Max BRT
Primary
States Self
Insurers
Risk
Retention
Alteris
AMBest:
A+, XV
Munich Re
(Princeton)
AMBest:
A+, XV
Old
Republic
AMBest:
19
Section 5:
Brown & Brown
Risk Management
Capabilities
20
a. Describe your office, its history, and how it works with the national office (or offices), if appropriate.
Please identify all activities that are performed by the national office.
The team that we have assembled is comprised of three different disciplines, each with its own area
of expertise, from within the Brown & Brown family of companies.
Founded in 1939, Brown & Brown’s public entity footprint is immense, with more than $175 billion
in total insurable property values (TIV) represented by our team of insurance professionals. This has
been accomplished by balancing our strong local and state presence with corporate expansion into
national and international insurance markets. The Fort Collins based office of Brown & Brown is a
top performer in this vast network of offices and is committed to the Northern Colorado marketplace.
Public Risk Insurance Agency (PRIA) is a wholly owned subsidiary of Brown & Brown. PRIA
operates a Risk Management Division which provides dedicated staff and resources specifically for
entities with large property schedules and self-insured components.
The marketing strength of our team comes from Apex Insurance Services (Apex). Apex is part of the
national public entity division of Brown & Brown. Apex provides property & casualty insurance
solutions to public entities through brokerage services, pool administration, excess placement,
program/pool development and managing general agent/underwriting facilities.
Apex produces over $750 million in public entity premium and member contribution nationwide and
has become one of the country’s fastest growing, experienced and talented public entity specialists.
Apex produced over $250 million in public entity premium in 2016 thus far.
The Brown & Brown Fort Collins office will serve as your primary account team. See team member
information below. Both PRIA and APEX provide support services and market access in this regard
to ensure we capitalize on the breadth of Brown & Brown nationally while tapping the successful
Fort Collins based team for local access and support.
b. Provide the names, qualifications, and location of each individual that will be assigned to the City’s
account.
Fort Collins based team:
Tyler McCallister, Executive Vice President see resume in exhibits
Kären Siwek, Account Executive, Vice President see resume in exhibits
Diana Vigil, Senior Account Manager, CIC, CISR 30+ years in the industry; 20+ years at
Brown & Brown. Primary point person
on Mrs. Siwek’s accounts for over seven
years
Stephanie Peterson, Associate Account Manager 5+ years in the industry; 3+ years at
Brown & Brown. Secondary point
person on Mrs. Siwek’s team
21
Michele DeCrescenzo, Marketing Manager 13+ years in the industry; all with Brown
& Brown. Liaison to APEX team on
market penetration & evolving options
for future placement consideration
Stephanie Grace, Operations Manager 10+ years in the industry; 3+ years at
Brown & Brown. Oversees staff
utilization and support in the Fort Collins
office as client needs dictate evolving
needs
PRIA Resource:
Matthew Montgomery, Executive Vice President see resume in exhibits
APEX Based Team:
Tim Staunton, Senior Account Executive 3+ years in the industry at Apex. Market
expert for public entity placements.
c. Provide information to us which indicates the financial status of your firm.
Please refer to www.bbinsurance.com – investor relations to review the financial strength of Brown
& Brown Insurance.
Brown & Brown is an independent insurance intermediary that, through its licensed subsidiaries,
provides a variety of insurance products and services to corporate, public entity, institutional, trade,
professional, association and individual clients.
Headquartered in Daytona Beach, Florida, offices are located across the United States, with
products and services offered through four major business divisions. We are listed on the NYSE as
BRO.
Our corporate culture is built on vision, speed, agility and strength that allows us to thrive in the
very competitive insurance environment. This unique culture has enabled us to quickly chase down
new opportunities, adapt our products and services to best meet market demands, and satisfy our
many and varied clients.
Our drive to be the best has made Brown & Brown one of the largest and most
respected independent insurance intermediaries in the nation, with 75 years of continuous service.
The Company is ranked as the sixth largest such organization in the United States and seventh in the
World by Business Insurance magazine.
22
Brown & Brown is one of the selected companies that comprise the Standard & Poor’s Mid-Cap
400 Index. In September 2007 FORBES.COM ranked Brown & Brown #16 on its 2007 list of “The
100 Best Mid-Cap Stocks in America.” FORBES magazine ranked Brown & Brown at #48 on its
2005 list of “America’s Best Small Companies.” FORTUNE magazine ranked Brown & Brown at
#69 on its 2004 list of “America’s 100 Fastest-Growing Companies.”
Starting in 2004, and continuing every year since, Brown & Brown has been designated as a
Mergent’s Dividend Index Achiever. This distinct honor is based on a record of 10 or more
consecutive years of dividend increases, which has been achieved by less than 3% of U.S. listed
dividend-paying companies.
d. Does your agency retain full-time employees engaged in specialty areas such as in-house claims and
loss control and safety services? Describe the services, level of availability and provide employees’
names with a brief resume of their experience.
All accounts are managed out of our Fort Collins office for support purposes. Claims are submitted
to the carriers as necessary and a detailed claim log of any open claims is maintained in our office so
the client services team may be kept abreast of any and all issues at any given time.
Kären Siwek, Account Executive / Vice President, maintains a very close working relationship with
her clients in Colorado and plays an active role in safety program development and ongoing processes.
This is provided in tandem with loss control support from our vast carrier network as dictated by the
client sector / needs. We rely on our carriers and their loss control services which are specialized on
sector specific issues and demands. This partnership has served us well and allowed us to offer the
most competitive programs to our clients while meeting the needs on a local level.
Mrs. Siwek’s involvement in the account is at the client’s discretion; her larger accounts like to meet
on a weekly or bi-weekly basis to ensure all needs are being addressed and tracked on an ongoing
basis.
As clients’ needs change, our office is committed to providing the resources necessary.
23
Section 6:
Customary Service Plan
24
Please list the services that you can offer the City of Fort Collins and your approach to marketing and
servicing our account. Or, please provide a copy of your customary service plan for accounts similar to the
City. We realize that the services may be customized based on the needs of a particular customer. We are
interested in knowing what your firm sees as critical services features. Please tie your response into the
expected services found in the “Scope of Work” and further assist us by highlighting additional items and
their potential value to the city.
Defined Client Service and Marketing Process
Brown & Brown’s Defined Client Service and Marketing Process is the framework for our business approach and a
technical practice implemented in a manner that aligns with the City’s goals. This process has been developed through
our years of experience and is fully customizable to suit each client’s needs. The Brown & Brown approach provides
consistency in quality service, checkpoints, and timelines for monitoring our jointly agreed upon service standards, and
ensures the appropriate planning occurs well in advance of the expiration date. In addition, we use Quality Committees
to continuously monitor the implementation of these best practice standards.
Purposefully, this process begins with transition planning, and includes an in-depth risk management analysis, in
addition to service and marketing activities. What follows is an illustration of this process, with each step containing a
detailed explanation along the way.
TRANSITION PLAN/ANALYTICS & DIAGNOSTICS (180 days prior to renewal)
Once appointed as the City's Broker of Record, we will begin to transition the work flow from your current broker(s)
to Brown & Brown. Given the absolute importance of a successful transition for each new Brown & Brown client, we
will employ the following steps during the implementation of the program to make the transition as seamless as possible
for the city.
180 days prior to renewal 120 days prior to renewal 100 days prior to renewal 75 days prior to renewal 75 days prior to renewal
Prior to renewal Prior to renewal Prior to renewal 30 days prior to renewal 60 days prior to renewal
Transition &
Analysis
Risk &
Coverage
Renewal
Strategy
Submission
Process
Underwriter
Meetings
Negotiations
Renewal
Analysis
Bind
Coverage
Summary &
Open Items
Stewardship
& Planning
25
Step 1: Identify Appropriate Personnel
For the purpose of this RFP, our teams have been assigned and selected with an eye to delivering best in class
service to the City of Fort Collins from the RFP process through full engagement and placement of all insurance
lines for the City.
This effort starts at the top with the strategic leadership of Tyler McCallister, EVP – Brown & Brown Fort
Collins and Kären Siwek, Account Executive – Vice President in coordination with our strategic partners at
PRIA and APEX
In response to the City's RFP, Brown & Brown has engaged two national partners with subject matter expertise
in all of the City's lines of insurance business. Once selected by the City, we can implement the below steps
immediately.
Step 2: Notify Carriers
Brown & Brown will prepare Broker of Record Letters (BORs) for the City and then file them with the
appropriate carriers.
Confirm acceptance of all BORs filed.
Step 3: Information Gathering/Data Acquisition
Financial statements Exposure data
Audits Draft submissions
Actuarial studies Exposure data
Bylaws Historical Policy Digest
Claims data Policies/Summaries
Corporate information Schedules or other data elements
Step 4: Administrative
Create Open Items Report.
Further develop annual work plan to include all key stewardship tasks/dates/milestones.
Develop protocol for execution of all key deliverables.
Identify and plan for any other key administrative tasks as defined by the City.
Provide laminated team charts/contact cards.
Execute service agreement.
Step 5: Risk Identification
Review all data accumulated from the information gathering/data acquisition process.
Discuss with key operational personnel (operations, finance, legal, quality, risk, claims).
Strategic discussions regarding mission, key City initiatives, financial goals, short- and long-term operational
and financial goals, unique financial issues, risk philosophy.
Discuss unique claims or risk issues as defined by the City
Step 6: Documentation and Implementation
Prepare a summary report detailing the process, observations, and key findings.
Review summary document and confirm findings.
26
Develop renewal timeline in conjunction with the Annual Work Plan.
Our service team will coordinate these activities to help ease the administrative burden on the City. Our priority is to
become intimately familiar with your overall insurance program and unique loss exposures. Therefore, we will get to
know the city through a thorough review of your website, financial statements, and loss runs; an analysis of your policy
language and coverage to determine the exact coverage being provided; personal discussions; and on-site visits.
RISK & COVERAGE PROFILE (120 days prior to renewal)
For coverage assigned to us, we will develop a Risk Profile unique to the City. We will compare this Risk Profile to
your current insurance coverage to: determine any serious or unanticipated gaps that exist; review the retentions and
insurance limits; and provide you with a written report outlining our observations and recommendations.
RENEWAL STRATEGY MEETING (100 days prior to renewal)
At least 100 days before your major renewal date(s), we will coordinate Renewal Strategy Meetings to:
Review our Risk and Coverage Analysis, the resultant Risk Profile and the adequacy of your current insurance
portfolio.
Update the City on the current insurance market.
Discuss recent renewal results for similar clients.
Provide an analysis of viable underwriter alternatives, their capacity, and deductible preferences.
Obtain your thoughts on the desirability of any particular market, i.e., your past history with that carrier, the
carrier’s financial rating, etc.
Provide renewal pricing ranges.
Suggest a renewal timeline and renewal options.
Our goal is to provide you with a concise report outlining our mutually agreed upon game plan.
UNDERWRITING SUBMISSION & PRESENTATION (75 days prior to renewal)
The underwriting submissions we prepare are unrivaled in our industry. Our responsibility is to portray, with integrity,
your unique Risk Profile for each line of coverage. Your underwriters will know that our submission will portray your
unique risks and operations correctly, succinctly and in a clear and easily understandable format. We encourage
meetings between you and the underwriters.
Our goal is to distinguish you from your peers and we do so by creating first class underwriting presentations that
demonstrate your unique risk characteristics. We will help you structure the material and provide input and guidance
on the graphic representation of your unique results, risks and operations.
27
The underwriting submission and the underwriter presentation will be available to the market at least 75 days prior to
your renewal date.
UNDERWRITER MEETINGS (75 days prior to renewal)
We will coordinate all underwriter meetings benefiting the City and our renewal strategy. Where possible, we will
attempt to schedule these at your office.
NEGOTIATIONS (60 days prior to renewal)
To execute a successful renewal, we must focus on two key areas – market canvassing and the exploration of options.
At our Renewal Strategy Meeting, we will have reviewed the listing of all possible market alternatives, solicited your
input and agreed to those we want to approach. We will review alternative limit, retention and coverage structures. We
will provide you with weekly renewal updates to keep you informed and to get your feedback and thoughts on the
underwriters’ responses.
RENEWAL PROPOSAL & ANALYSIS (30 days prior to renewal)
We are aware that, while our clients want to have a bottom line comparison of all renewal alternatives, they also want
to know the intricate details of each quotation. Therefore, our renewal proposals feature both an Executive Summary
and a detailed Coverage Analysis section. Our analysis will help you make a more educated renewal decision.
BIND COVERAGE (Prior to renewal)
Once you have reviewed your renewal options and have selected an alternative, we will immediately process the
following documents, all designed to be completed before your renewal date:
Confirmations of Coverage
Certificates of Insurance
Premium Finance Agreements (if applicable)
Claims Reporting Instructions
Program Limits Charts
DESK REFERENCE & OPEN ITEMS REPORTS (Prior to renewal)
We will create a Desk Reference that will include insurance summaries of the coverages bound, claims reporting
instructions and contact information for your dedicated service team.
28
Our Monthly Open Items Reports and meetings are formalized events helping both of us and your underwriters to stay
focused on unresolved items as well as, to discuss new risks or operational issues.
STEWARDSHIP REPORT/STRATEGIC PLANNING MEETING (Prior to renewal)
The Stewardship Report and Strategic Planning Meeting are designed to evaluate our performance, review the results
of your renewal, discuss any new operations or acquisitions you are contemplating, identify new and emerging risks,
update you on recent market conditions/trends, and plan our next renewal strategy meeting.
SUMMARY
We appreciate you taking the time to review our Service and Marketing Process, which details specific activities related
to transitioning your insurance to us. This strategic framework allows us to effectively market your renewal as we gain
a better understanding of your coverage and risk exposures. Through this process, you will have an opportunity to
evaluate our performance, from which we will collaborate on increasing the likelihood of favorable renewal outcomes
for your organization.
29
Section 7:
Team Member Services
30
Please explain how the functions of each team member will ensure continuity in the services to the City.
Fort Collins based team:
Tyler McCallister, Executive Vice President Mr.McCallister’s role will be one of strategic
support and access to corporate resources as the
need arises. Mr. McCallister brings a unique
skill set to the team as he started and nurtured
his career at Brown & Brown in the corporate
headquarters of Brown & Brown in Daytona
Beach, FL. This provides us with unprecedented
access to the decision makers at Brown &
Brown.
Kären Siwek, Account Executive, Vice President Mrs. Siwek is a long time resident of Fort
Collins as well as a national, top performer in the
Brown & Brown network of offices. Her unique
skill set of being a CPA as well as a Certified
Insurance Counselor allows her to approach her
clients’ needs in a different light that balances
the budget with the appropriate coverage needs
demanded by the City’s unique environment.
Diana Vigil, Senior Account Manager, CIC, CISR Mrs. Vigil will act as the day to day contact for
the City and manage all complex questions as
well as account needs. Mrs. Vigil is also a long
time resident of Fort Collins and committed to
providing proactive service to the team at the
City
Stephanie Peterson, Associate Account Manager Mrs. Peterson’s support to the team will provide
certificate support as well as policy endorsement
processing as needed. Her turn around time is
extremely quick and her attention to detail is
second to none.
Michele DeCrescenzo, Marketing Manager Mrs. DeCrescenzo, another long time Fort
Collins resident, will support us with the ever
changing market landscape and ensure that
APEX has the necessary information to act in a
proactive manner to best meet the needs of the
City.
31
Stephanie Grace, Operations Manager Mrs. Grace’s role will be to adequately staff and
provide resources based on the City’s needs.
She has been an integral part of our office’s
growth and the development of policies and
procedures that comply with Brown & Brown
corporate standards as well as meet the needs of
our client mix.
32
Section 8:
Proposed Cost of Services
And
Section 9
Long Term Pricing
33
Detail the proposed cost of the services outlined in this RFP. Is the cost all-inclusive, or do certain
services require additional fees? Please make it clear what your costs cover.
Annual Brokerage Fees (flat fee basis)
Our fee will be payable on an annual basis and is all inclusive of the services outlined in the RFP. The fee
for our services for the first year of the contract will be $55,000.
Per FEMA regulations, National Flood Insurance Program (NFIP) flood policies may not be written net of
commission. Nor may commissions paid be returned to the policy holders by the agent. Therefore, our
proposed fee is all-inclusive with the exception of NFIP commissions. We will disclose any NFIP
commissions received to the City upon receipt of the policies each year.
Considering the contract period of (five years or one year, with up to four (4) additional one-year periods),
please provide pricing for up to five (5) years. Responses should include annual fee escalation if
applicable. When are fee reductions appropriate and when increased are indicated, how are service levels
affected? A final point on broker compensation, fees or the equivalent in premium cost are not only a
consideration, they are an important determinant for the City.
The five year fee structure would be as follows:
Year Fee Amount
2017 $55,000
2018 $55,000
2019 $55,000
2020 $55,000
2021 $55,000
34
Section 10:
Initial Recommendations
35
With information on the City program’s limit structure, coverage scope, claims and demographics, please
identify improvement opportunities based on best practices or market conditions. The opportunities the
City is most interested are:
a. Coverage recommendations
b. Premium Goals
c. Structure recommendations
Coverage Recommendations:
Based on our review of Attachment A as provided in the RFP specifications, we would request
additional information on the following exposures:
• Cyber liability
• Pollution liability
• Equipment / Installation Floater
• Employment Practices Liability – first and third party exposures
• Sexual Abuse & Molestation Liability
• Assault & Battery Liability
• Workplace Violence Liability
• Employee Benefits Liability
• Property:
o Building ordinance or law
o Historical property coverage
o Green / LEED certified coverage
o Commandeered property
o Communication equipment
o Free standing signs
o Property in transit
o Law enforcement animal protection
Premium Goals / Structure Recommendations
As outlined in sections 8 & 9, we believe our proposed fee to be very competitive. We also will
endeavor to look for ways to create efficiencies in the current program to provide a simpler, more cohesive
approach.
36
Section 11:
Responsibilities of
Broker / Agent
37
List what your firm believes to be the three most important responsibilities of a broker/agent and give a
very brief example of how you have fulfilled these three responsibilities for one of your existing clients.
Also, please provide reference contact information for this client.
1. Expertise – understand the insured’s potential and existing exposures and recommend appropriate
coverage as needed for consideration to add to the program on a proactive basis. This may only be
achieved by regular and free flowing, sharing of changing issues / environments.
Example: Liberty Common School – recently, a new Finance Operations Manager was appointed
and as their agent, I spent the time training her and bringing her up to speed on the risk mgmt.
program. I recommended that we market the account and we saved them significant premium
dollars as a result of our efforts.
Katrina Brossia, Financial Operations Manager
Liberty Common Schools
970.482.9800
2. Concierge Level Service – 7 x 24 hour access to an agent who is local and able to respond to a
potential claims issue within minutes of notification and help remediate / rectify a possible solution
before a claim situation arises. Also available to discuss situations as they arise and help mitigate
concerns.
Example: Exodus Moving & Storage – the insured was in need of significant training and updating
to their safety program. I began meeting with them weekly to address all facets of safety and how
we roll out robust updates to their program. The end result is a significant drop in their experience
modification factor for their workers compensation and an aggressive renewal program.
Carrie Newman, Director of Business Development
Exodus Moving & Storage
970.484.1488
3. Listen – we are here to listen to you and understand your concerns
Example: National Offender Management Systems – this account has a multi-state footprint and
has experienced significant growth and expansion of services during the six years that I have been
working with them. The owner / CEO, Dan, is a very strategic, visionary thinker and needs me to
be sure that I design his program not only for today but what lies ahead. The end result is a very
robust risk management program for an exceptionally complicated business.
Dan Beeck, CEO
National Offender Management Systems
303.657.1405
The Brown & Brown service model has been developed and adopted on a national basis. Our job is to act
as your risk manager and ensure all needs are addressed immediately and concerns are discussed in a
proactive manner so there are NO SURPRISES. Communication is the key to our success!
38
Section 12:
Why Brown & Brown
39
Please explain why you believe that you and your organization are the best firm to represent the City in the
marketplace and how your approach to client services and program is unique.
Brown & Brown Insurance, with our immense size and highly regarded reputation, allows us to maintain
long-standing relationships throughout the insurance industry. In an effort to deliver additional expertise,
we will also partner with nationally owned intermediaries with niche concentrations in public entity
insurance. This will truly provide us with the most comprehensive program for the City of Fort Collins. Our
sheer size also allows us to negotiate with a plethora of carriers and procure competitive quotes to ensure
superlative coverage and the best pricing for the City of Fort Collins.
Even though Brown & Brown is the sixth largest brokerage in the United States, the Fort Collins office (as
well as all Brown & Brown offices) continues to be a free-standing and self-sustaining subsidiary of Brown
& Brown, Inc. Therefore, the individuals dedicated to your risk management program and overseeing loss
control, claims management, and marketing for the City will be the same people that you will find jogging
at City Park or strolling down College Avenue. Brown & Brown of Fort Collins understands the concerns
of the City and, with our local touch and ubiquitous presence nationally, we believe that we can provide the
right balance of size and attentiveness to supply the City with the best risk management strategy moving
forward.
Kären Siwek will lead all aspects of the team for the City of Fort Collins. She will deliver strategic, thoughtful
leadership to the City’s team and will be responsible for providing detailed exposure analysis and program
design. Kären is a Certified Insurance Counselor as well as a Certified Public Accountant; this adds another
dimension to the insurance expertise allowing her to prepare cost allocations, presentation of annual reports
or future plans and goals, creation of an underwriting database, audit analysis, claims and loss ratio analyses.
She is well-versed at loss control evaluation, loss control education and claims negotiation. Kären is civic-
minded and is involved with many Fort Collins philanthropic endeavors, as well as being available 24 / 7.
Diana Vigil, CIC, CISR, has 30 plus years of insurance experience. Diana and her team will be responsible
for handling the City’s administrative needs. She does not take the day to day activities for granted and has
developed service standards as a promise to our customers. She will issue binders, certificates, and other
coverage verification documents within 24 hours, or sooner if needed, and returns calls within the same day.
Tyler McCallister, Executive Vice President, CPCU, ARM, ASLI, AI, AAI, comes to Fort Collins from our
corporate headquarters in Daytona Beach, FL. Tyler is well-versed in large deductible programs, actuarial
services and risk management principles and has relationships nationwide that bring value to the marketing
efforts. Tyler will work closely with Kären in data and risk analysis and program design. Tyler excels at
detailed coverage summaries, loss data analysis and will serve as a liaison and advocate to the City.
The Brown & Brown Fort Collins office is excited for the opportunity to service the city in which we all
reside. Without an acute understanding of a city’s culture environmentally, socially and fiscally, it is
difficult to discern what risk management approach truly suits Fort Collins. Our office feels we have that
vision and are eager to better serve both the government employees and each citizen that calls Fort Collins
home.
40
Exhibits
Asset Management Platform
41
Our proposal includes access to AMP:
42
43
Exhibits
Touchstone Platform
44
Touchstone is our Risk Analytics platform as referenced in Tab III, page 16.
45
Exhibits
ModMaster
46
ModMaster provides analysis and forecasting for Workers’ Compensation Experience as referenced in Tab
III, page 16.
47
Exhibits
RiskMeter
48
RiskMeter is our hazard risk data source as referenced in Tab III, page 16.
49
Exhibits
Resumes
50
Tyler McCallister
Executive Vice President
Brown and Brown of Colorado
EXPERIENCE Brown and Brown of Colorado, Inc.
August 2015 to Present. Executive Vice President
Responsible for the executive oversight of Brown and Brown of Colorado, Inc.
Additional duties include production, marketing and service of commercial insurance
programs and accounts.
Brown and Brown, Inc. – Corporate Headquarters
August 2015 - July 2014. Commercial Lines Manager
Responsible for the managerial oversight of the Community Insurance Services
division.
Additional duties include production, marketing and service of commercial insurance
programs and accounts.
Brown and Brown, Inc. – Corporate Headquarters
October 2012 – 2014. Account Executive
Responsibilities include analyzing risk exposures and coverage needs, development
and design of individualized insurance programs, marketing and service of
commercial programs, and relationship development with emerging insurance
markets.
Brown and Brown, Inc. – Corporate Headquarters
July 2011 – October 2012. Financial Operations Internal Auditor
Assist in financial operations review of the Retail, Programs, Claims, and Brokerage
offices on an annual basis.
Develop pro forma analysis of potential acquisitions with the Mergers and
Acquisitions department.
Perform due diligence review for potential acquisitions as required.
EDUCATION B.S. in Business Administration, University of Central Florida, Orlando, FL
LICENSES 2-20 General Lines Agents License, State of Colorado
PROFESSIONAL Chartered Property Casualty Underwriter (CPCU)
DESIGNATIONS Associate in Risk Management (ARM)
Accredited Adviser in Insurance (AAI)
Associate in Commercial Underwriting (AU)
Associate in Surplus Lines Insurance (ASLI)
SERVICE & Member, Professional Independent Insurance Agents of Colorado, Budget Committee
Member, Summitstone Health Partners, Board of Directors
AREAS OF Contractual Indemnification and Risk Transfer
EXPERTISE
51
Kären E. Siwek
Account Executive/Vice President
Brown and Brown of Colorado
EXPERIENCE Brown and Brown of Colorado, Inc.
August 2009 to Present. Account Executive, Vice President
Responsibilities include direct consulting with clients to identify and analyze risk
exposures and coverage needs, and develop and design individualized insurance
programs. Professional client services include oversight of insurance and risk
management programs, including claims advocacy, internal policy and procedures
development, and contract review. Effective and efficient communication methods for
elected board presentations, committee meeting participation, and coordination of
daily staff service objectives.
Ultimate Escapes, LLC
October 2004 to May 2009. Chief Financial Officer / Chief Real Estate Officer / Owner
Responsible for all financial aspects of the business as well as real estate acquisitions
across the United States and in seven foreign countries.
WPP Group plc
May 1994 – October 2004. Chief Financial Officer
Responsible for all financial aspects of Research International–Market Research
division with ten offices across the United States. Specific focus on mergers &
acqusitions.
Arthur Andersen
August 1988 – May 1994. Audit Manager
EDUCATION B.S. in Accountancy, Arizona State University, Tempe, Arizona
LICENSES Certified Public Accountant, State of Arizona
Property & Casualty Producer, State of Colorado
PROFESSIONAL Certified Insurance Counselor (CIC)
DESIGNATIONS
SERVICE & Foothills Rotary Club, Fort Collins, CO
ACTIVITIES United Way of Larimer County:
Treasurer, Member of Board of Directors
Member of Executive Committee
Chair of Finance & Audit Committee
Board Liaison to WomenGive
Member of P.E.O.
AREAS OF Mergers & Acquisitions
EXPERTISE Financial Statement Analysis
52
Matthew Montgomery
Executive Vice President
Public Risk Insurance Agency
EXPERIENCE Risk Management Associates, Inc. dba Public Risk Insurance Agency (a wholly
owned subsidiary of Brown & Brown, Inc.)
2015 to Present. Executive Vice President
Responsible for the executive oversight of Public Risk Insurance Agency. Additional
duties include production, marketing and service of public entity insurance programs and
accounts.
September 2013 –2015. Account Executive
Responsibilities include direct consulting with clients to identify and analyze risk
exposures and coverage needs, and develop and design individualized insurance
programs. Professional client services include oversight of insurance and risk management
programs, including claims advocacy, internal policy and procedures development, and
contract review.
Florida Department of Highway Safety and Motor Vehicles
May 2012 – September 2013. Legislative Affairs Director
Served as the lead on all departmental advocacy before the legislature, including all
lobbying on behalf of the Florida Highway Patrol. Responsibility for all budget and
legislation and responsible for securing the funding to run one of the largest state agencies
in Florida.
Southern Strategy Group
December 2007 – May 2012. Partner Lobbyist
Advocated on behalf of clients such as Disney, Apple, NASCAR, BCBS, and CVS.
Partner in the largest state-level lobbying firm in the country. Experience lobbying the
Executive and Legislative branches at all levels.
Florida Department of Agriculture and Consumer Services
January 2007 – December 2007. Deputy Director, Office of Legislative Affairs
Legislative advocacy for Cabinet Level agency focusing predominantly on the House of
Representatives.
Charles H. Bronson Campaign
January 2006 – January 2007. Deputy Campaign Manager
Responsibilities included all internal organization of contributions, volunteers,
scheduling, and communications.
United States Senate, Office of Senator Bill Nelson (FL)
December 2002 – June 2006. Assistant to the Chief of Staff
Responsible for incoming communications which included over 300 calls a day and over
100 pieces of written communication.
EDUCATION Florida State University, BS Degree, Philosophy
LICENSES 2-20 General Lines Agents License, State of Florida
2-15 Life, Health, and Variable Annuities License, State of Florida
53
Michele DeCrescenzo
Marketing Manager
Brown & Brown of Colorado
EXPERIENCE Brown & Brown of Colorado, Inc.
March 2013 to Present. Marketing Manager
Responsible for production and renewal of commercial lines insurance products
through strong relationships and deep knowledge of property, casualty, and workers
compensation. Company marketing expert specializing in placement of large
accounts, high risk and unique businesses. Extensive knowledge and comprehensive
understanding of insurance risks and exposures.
Poudre Valley Appliance, Inc.
June 1996 to 2012. Business Owner
General managed all aspects of the business within the four walls of the store in
addition to the service operations. Oversaw inventory, sales, profit, growth and
visual merchandising. Responsible for maximizing revenue and gross profit by
driving sales and maintaining a highly talented and motivated staff.
Brown & Brown of Arizona
February 1988 to June 1996. Vice President of Marketing
Company marketing expert specializing in placement of large accounts, high risk and
unique business. Responsible for cultivating relationships with major carriers and
adding new companies expanding product lines. Acted as subject matter expert
supporting client questions.
EDUCATION B.S. in Biology, Arizona State University
LICENSES 03-13 General Lines Agents License, State of Colorado
PROFESSIONAL Certified Insurance Counselor (CIC) due to complete 2016
DESIGNATIONS
54
Additional Client References from the Brown & Brown family of companies:
Southwest Florida Clients
Lee County
City of Naples
City of Naples Airport Authority
Lee County Schools
Collier County Schools
Collier Mosquito District
Immokalee Water & Sewer District
City of Marco Island
Client (alphabetically) Property Liability
Auto
Liability
Public
Officials /
EPL
LEL
Workers
Compensation
Hospital
Professional
Liability
Excess
Benefit
Partner
Airlington County, VA XX
Bergen County Municipal Joint Insurance
Fund, NJ
XX XX XX XX XX APEX
Boone County, IL XX APEX
Camden County, NJ XX XX APEX
CareSource XX XX Wells
Clark County, NV XX APEX
Cleveland County, OK XX XX XX XX XX APEX
Cobb County, GA XX XX APEX
Duke XX RPS
Fulton County, Ga XX APEX
Harvard XX RPS
Lee Memorial XX XX XX XX XX Wells
Lubbock County, TX XX APEX
MCIC* XX RPS
Metropolitan Pier XX Lambent
Morris County Municipal Joint Insurance
Fund, NJ
XX XX APEX
Norfolk County, MA XX APEX
Northwest Physicians Network XX XX XX XX Wells
Northwestern XX RPS
Orange County, CA XX APEX
Samaritan Health Plans XX Wells
Suffolk County, NY XX APEX
Town of Cicero XX XX XX Lambent
University of Chicago XX RPS
*includes Columbia University, Johns Hopkins, NY Presbyterian, Rochester Medical Center, Cornell, Yale
55
Name of Entity Property TIV
State of Florida $22,000,000,000
Orange County School Board $4,856,000,000
Lee County School District $2,100,000,000
Lee County BOCC $1,581,000,000
City of Tallahassee $1,355,000,000
District School Board of Collier County $1,275,500,000
District School Board of Pasco County $1,485,000,000
Brevard County BOCC $727,000,000
City of Miami, Florida $600,000,000
Sarasota County $621,000,000
City of West Palm Beach $525,000,000
Tampa Bay Water $515,000,000
City of Fort Lauderdale $507,000,000
Marion County $501,600,000
56
PRIA CLIENT LIST
Cities / Towns / Villages
Atlantis Davenport High Springs Madison Perry
Auburndale Davie Highland Beach Marco Island Pierson
Aventura Deltona Indian Shores Margate Polk City
Bal Harbour Village Destin Indian River Shores Mayo Punta Gorda
Bay Harbor Islands Doral Inverness Miami Royal Palm Beach
Belleview Eagle Lake Jacksonville Beach Miami Gardens St. Cloud
Bunnell Edgewater Jupiter Mulberry Sarasota
Casselberry Fellsmere Lake Helen Naples Tallahassee
Chattahoochee Fort Lauderdale Lake Worth North Miami Treasure Island
Chipley Fort Walton Beach Lauderhill North Port West Palm Beach
Coconut Creek Groveland Lighthouse Point Ocala Weston
Dania Beach Haines City Madeira Beach Palm Bay
State / Counties
Baker Clay Flagler Gilchrist Jefferson Levy Okaloosa Wakulla
Brevard Columbia Florida, State of Gulf Lafeyette Madison Santa Rosa Washington
Citrus Desoto Gadsden Highlands Lee Marion Sarasota
Schools / Universities
Collier School District Lee County School District Orange School District University of Florida
Florida Atlantic University Madison School District Pasco School District University of West Florida
Florida International University Marion School District Seminole School District
Florida Polytechnic University Okaloosa School District University of Central Florida
Special Districts
Barefoot Bay Recreation
District
Fellsmere Water Control
District
Lakewood Ranch
Stewardship District
Pine Tree Water Control
District
Suwannee River Water
Management District
Bayfront Park
Management Trust
Ft. Myers Housing
Authority
Lee County Housing
Authority
Pinellas Park Water
Management District
Tallahassee Community
Redevelopment
Agency
Big Bend Water Authority
Ft. Myers Beach Fire
District
Lehigh Acres Municipal
Services Improvement
Pinellas Suncoast Fire &
Rescue District
TBARTA
Bonita Springs Fire
Control District
Highlands County Sheriff
Loxahatchee Groves
Water Control District
Pinellas Suncoast Transit Tampa Bay Water
57
Fort Collins based references:
Katrina Brossia, Financial Operations Manager
Liberty Common Schools
970.482.9800
Agent of Record / Risk Management Consulting / Employee Benefits Broker. 15 years
Dan Beeck, CEO
National Offender Management Systems
303.657.1405
Agent of Record / Risk Management Consulting / Employee Benefits Broker. 6 years
Carrie Newman, Director of Business Development
Exodus Moving & Storage
970.484.1488
Agent of Record / Risk Management Consulting.
Broward MPO
Hillsborough Transit
Authority
Loxahatchee River District
Pompano Beach Housing
Authority
Tampa Historic Streetcar
Buckhead Ridge Mosquito
Control District
Immokalee Fire Control
District
Melbourne-Tillman Water
Control District
Port Ybor Association, Inc.
Three Rivers Regional
Library System
Central Florida Fire
Consortium
Immokalee Water and
Sewer District
Miami Beach Housing
Authority
Ranger Drainage District
Tindall Hammock
Irrigation & Soil
Charlotte County Sheriff
Indian River Lagoon
Council
Miami Sports & Exhibition
Authority
Sanibel Fire & Rescue
Titusville Housing
Authority
Children’s Board of
Hillsborough County
Jacksonville Beach CRA
Moore Haven Mosquito
Control District
Sebring Airport Authority Upper Captiva Fire District
Citrus County Sheriff
Jupiter Redevelopment
Agency
Naples Airport Authority
Seminole Improvement
District
Viera Stewardship District
Citrus Mosquito Control
District
Key Largo Fire Rescue &
Emergency Medical
New River Solid Waste South Indian River WCD
Wakulla United
Firefighters Association
Clay County Utility
Authority
Key Largo Volunteer Fire
North Springs
Improvement District
South Trail Fire
Washington County
Sheriff
Collier Mosquito Control
District
Lake Asbury MSBD
Northern Palm Beach
County ID
Southeast Overtown Park
West CRA
West Palm Beach CRA
Davie Community
Redevelopment
Agency
Lake Region Lakes
Old Plantation Water
Control District
Southwest Florida Water
Management District
Winter Haven Housing
Authority
Emerald Coast Utilities
Authority
Lake Worth Drainage
District
Palm Beach County
Housing Authority
Spring Lake Improvement
District
53 Community
Development Districts
Estero Fire Rescue
Lakewood Ranch
Interdistrict Authority
Peach River / Manasota
Regional WCD
St. Johns River Water
Management District
A+, XII
One Beacon
AMBest:
A, X
Travelers
AMBest:
A++, XV
Max BRT
Excess
Evanston
Insurance
Company
Starstone
(Torus)
AMBest:
A-, XI
Civic Risk
(Scottsdale)
AMBest:
A+, XV
Markel
(Evanston)
AMBest:
A, XV
Ironshore
AMBest:
A, XIV
Allied
World
AMBest:
A, XV
Max BRT
Excess
Great
America
Assurance
Company
Starstone
(Torus)
AMBest:
A-, XI
Civic Risk
(Scottsdale)
AMBest:
A+, XV
Markel
(Evanston)
AMBest:
A, XV
Ironshore
AMBest:
A, XIV
Allied
World
AMBest:
A, XV
Given the number of markets that we have identified above, we have not included the prospectus for each
carrier. We will be happy to do so once we can narrow down the list of market options.
AMBest:
A++, XV
Travelers
AMBest:
A++, XV
Allianz
AMBest:
A+, XV
Hanover
AMBest:
A, XV
Equipment
Breakdown
XL
Insurance
America
Travelers
AMBest:
A++, XV
Hartford
AMBest:
A+, XV
Chubb
AMBest:
A++, XV
Allianz
AMBest:
A+, XV
Hanover
AMBest:
A, XV
Excess
Workers
Compensation
Midwest
Employers
Casualty
Company
Safety
National
AMBest:
A+, XIV
Midlands
AMBest:
A, IX
US Specialty
AMBest:
A+, XV
Midwest
AMBest:
A+, XV
ACE
AMBest:
A+, XV
Volunteer
Accident &
Health
Hartford
Life &
Accident
Insurance
QBE
AMBest:
A+, XIV
Chubb
AMBest:
A++, XV
Philadelphia
Insurance
Company
AMBest:
A++, XV
Gerber Life
Insurance
Company
AMBest:
A, XI
Axis
Accident &
Health
Accident
Insurance
Company
AMBest:
A+, XV
Casualty States Self
Insurers
Risk
Retention
Alteris /
Argonaut
AMBest:
A, XII
Munich
AMBest:
A+, XV
Old
Republic
AMBest:
A+, XII
One Beacon
AMBest:
A, X
Travelers
AMBest:
A++, XV