General Property & Liability Insurance

Transcription

1 COWLEY COUNTY, KANSAS REQUEST FOR PROPOSAL General Property & Liability Insurance SUBMITTAL DEADLINE June 28, 2013 RFP NUMBER CONTACT Jeremy Willmoth, County Administrator

2 GENERAL REQUIREMENTS 1. PURPOSE Cowley County, Kansas, hereinafter referred to as County is accepting bids for general liability and property insurance coverage options as indicated in the enclosed specifications. 2. BACKGROUND County is a municipal corporation existing under the laws of the State of Kansas. County has 6 elected, 169 full time, and 5 part time positions. County employees are not represented by any unions. 3. OBJECTIVE The County is examining the award of its insurance coverage and if accepted will award a one (1) year agreement beginning on August 14, 2013, with the option of two (2) oneyear renewals. 4. QUESTIONS/CLARIFICATIONS OF THE REQUEST FOR PROPOSALS All questions concerning the solicitation and specifications shall be submitted to the contact person below: Jeremy Willmoth, County Administrator; jwillmoth@cowleycounty.org; VALIDITY OF PROPOSALS Respondents agree that coverage proposals will remain firm for a period of ninety (90) calendar days after the date specified for the return of proposals. 6. REJECTION OF PROPOSALS The County reserves the right to reject any or all proposals received in response to this RFP, or to cancel the RFP if it is in the best interest of the County to do so. Failure to furnish all information requested in this RFP may disqualify the proposal. Any exceptions to the requirements specified must be identified in the proposal. 7. WITHDRAWAL OF PROPOSALS Any Respondent may withdraw their proposal at any time prior to the scheduled closing time for the receipt of proposals. However, no proposal will be withdrawn for a period of ninety (90) days after the scheduled closing time for the receipt of proposals.

3 8. COLLUSION CLAUSE Any agreement or collusion among Respondents and prospective Respondents to illegally restrain freedom of competition by agreement to fix prices, or otherwise, will render the proposals of such Respondents void. 9. FUNDS Financial obligations of the County payable after the proposed fiscal year are contingent upon funds for that purpose being appropriated, budgeted, and otherwise made available. In the event funds are not appropriated, any resulting Contract will become null and void, without penalty to the County. 10. TAX EXEMPTION The County is funded by public monies and as such has been approved by the State of Kansas for sales/use tax-exempt status. The Kansas tax identification number and certificate are available upon request by the successful Respondent. 11. APPLICABLE LAW The proposal and Contract shall be governed in all respects by the laws of the County and the laws of the State of Kansas, with venue only proper in Cowley County, Kansas and any litigation with respect thereto shall be brought in the courts in the State of Kansas. 12. DESCRIPTION OF PROJECT/SERVICES The County is seeking proposals from qualified firms/providers for insurance coverage options for the County s consideration. The County is particularly interested in any risk management and loss control services which may be provided. Each coverage section is outlined herein and it is essential that the County know the cost, coverage and conditions of each section. Identify the cost of coverage in the Bid Summary Form. 13. GENERAL DATA (County Overview) A. EMC Insurance (Current Provider): Cowley County, Kansas; 169 Full time employees; 5 part time employees; and 8 elected officials. B. ORGANIZATION: Board of County Commissioners; County Administrator C. ESTIMATED POPULATION: 36,311 D. FISCAL YEAR 2013 BUDGETED EXPENDITURES: $19,976,476

4 E. EMPLOYEES: 169 Full Time 5 Part-Time 10 Seasonal F. FISCAL YEAR 2014 PROJECTED ANNUAL SALARIES & WAGES: $ 6,746, SCOPE OF SERVICES Insurance Program, whether indemnity or self-funded, consisting of the following sections and supplemental underwriting data found within this RFP. A. Property B. General Liability C. Inland Marine/Electronic Data Processing D. Crime/Employment Fidelity E. Public Official Liability/Employment Practices Liability F. Law Enforcement Liability G. Automobile H. Worker s Compensation I. Errors and Omissions (for 911 operations this is a new request, we do not currently have this coverage) J. Medical Malpractice (for 911 operations this is a new request, we do not currently have this coverage) Serious consideration will be given to all proposals offered; and deviations from the requested coverages are to be so noted in your proposal. 15. CONTRACT DOCUMENTS Include with the proposal any and all contract and plan documents for the County. Respondents are encouraged to provide any additional information that will be instrumental in assisting the County in assessing proposals. 16. PROPOSAL/INFORMATION DEADLINES Interested Respondents must submit their broker profile and a completed RFP Proposal by 12:00 p.m. on June 28, 2013, at the Cowley County Courthouse located at 311 E 9 th Ave, Winfield, Kansas

5 SECTION A: PROPERTY LOCATIONS: As Per Schedule COVERAGE: Replacement Cost Coverage Special Form Coverage Including Theft $ Deductible - Per Occurrence DEDUCTIBLE OPTIONS QUOTE SEPARATELY

6 SECTION B: GENERAL LIABILITY NAMED INSURED: As Per General Data Specifications TYPE OF COVERAGE: Comprehensive General Liability LIMITS: $ For all claims arising out of a single accident or occurrence $ General Aggregate $ Personal/Advertising Injury $ For any one person in a single accident or occurrence $ Medical Expense (Policy must meet State Tort/Sovereign Immunity limit as of inception date of the policy) ADDITIONAL CONDITIONS: Policy is to include: o Contractual Liability o Acts Caused by Independent Contractors o Explosion, Collapse & Underground Coverage o Special Events o Property Damage caused by Sewer Backup Allegations o Bodily Injury/Property Damage due to Water Operations as Products, including Pollution Allegation o Bodily Injury/Property Damage arising out of a single incident o Personal Injury $ Per Occurrence DEDUCTIBLE OPTIONS: No Deductible $ Per Occurrence

7 COVERAGE/CONDITIONS: SECTION C: INLAND MARINE/ELECTRONIC DATA PROCESSING (EDP) All Risk Coverage Including Theft Coverage Replacement Cost Value LIMITS: As Per Schedules $ - Per Occurrence DEDUCTIBLE OPTIONS QUOTE SEPARATELY

8 SECTION D: CRIME/EMPLOYEE FIDELTIY NAMED INSURED: As Per General Data Specifications LIMITS: $ - Per Occurrence CONDITIONS: Crime o Loss of County money, securities, or personal property by theft by any person or persons, known or unknown, who are not County employees Employee Fidelity o Loss of money, securities, or other personal property as a result of fraudulent or dishonest act or acts committed by any employee acting alone or in collusion with others. $ Per Occurrence

9 NAMED INSURED: SECTION E: PUBLIC OFFICIAL LIABILITY/EMPLOYMENT PRACTICES LIABILITY As Per General Data Specifications LIMITS OF LIABILITY: $ - Per Occurrence $ - Aggregate $ Per Occurrence DEDUCTIBLE OPTION QUOTE SEPARATELY: $ Per Occurrence CONDITIONS: Include definition of Wrongful Act Wrongful Act Coverage o Actual or alleged errors. o Misstatements or misleading statements, act or omission or neglect or breach of duty by the insured, individually or collectively, in the discharge of County duties, or any matter claimed against them solely by reason of being or having been an insured Defense of wrongful acts, even if groundless, false or fraudulent Errors and Omissions/Employment Practices Liability Discrimination o Employee/Employer suits. If not covered, so state.

10 NAMED INSURED: SECTION F: LAW ENFORCEMENT LIABILITY Cowley County Sheriff Department ADDITIONAL NAMED INSURED: Cowley County, Kansas As Per General Data Specifications LIMITS OF LIABILITY: $ Each Occurrence $ Aggregate $ Per Occurrence DEDUCTIBLE OPTIONS QUOTE SEPRATELY CONDITIONS: Covers all activities of the law enforcement department Covers all premises occupied by the law enforcement department

11 SECTION G: AUTOMOBILE NAMED INSURED: As Per General Data Specifications FORM: Business Auto Policy LIMITS OF LIABILITY: $ Combined Single Limit Per Occurrence Uninsured/Underinsured Motorist o $ Each Occurrence Policy Must Meet Current State Tort and/or Sovereign Immunity Limit as of Inception Date PHYSICAL DAMAGE: As Per Schedule $ Comprehensive $ Collision CONDITIONS: Include Hired and Non-Owned Auto Liability All Owned and Leased Vehicles Actual Cash Value

12 SECTION H: WORKER S COMPENSATION NAMED INSURED: As Per General Data Specifications FORM: Business Worker s Compensation Policy LIMITS OF LIABILITY: $ Combined Single Limit Per Occurrence Policy Must Meet Current State Tort and/or Sovereign Immunity Limit as of Inception Date $ per claimant CONDITIONS: Include maximum number of employees exposed at any one time. Itemize all classifications by code number and rates per $100 of stated remuneration on the attached current policy. Include the modification rate, any discounts, and any other certifications offered.

13 SECTION I: ERRORS AND OMISSIONS NAMED INSURED: As Per General Data Specifications FORM: Business Errors and Omissions Policy LIMITS OF LIABILITY: $ Combined Single Limit Per Occurrence Policy Must Meet Current State Tort and/or Sovereign Immunity Limit as of Inception Date $ per claimant CONDITIONS: Include who is covered. Define professional act. Include civil rights violations.

14 SECTION J: MEDICAL MALPRACTICE NAMED INSURED: As Per General Data Specifications FORM: Business Medical Malpractice Policy LIMITS OF LIABILITY: $ Combined Single Limit Per Occurrence Policy Must Meet Current State Tort and/or Sovereign Immunity Limit as of Inception Date List all limitations to the policy $ per claimant CONDITIONS: Include defense of legal action. Include doctor contracted with emergency communications who signs off on policies and procedures. Include civil rights violations.