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CITY OF NORTH MIAMI BEACH

Request for Proposal RFP No. 2012-25

Insurance Brokerage Services

Submission Due Date: November 29, 2012

Submitted by:

Craig S. Fainstein, CPCU, ARM, ASLI, ARe Area Assistant Vice President

[email protected]

Jori L. Van der Voort, ARM Area Vice President

[email protected]

Jaymee Brown Account Representative [email protected]

Arthur J. Gallagher Risk Management Services, Inc. 8200 N.W. 41st Street

Suite 200 Miami, Florida 33166

Telephone: (305) 592-6080

Fax: (305) 592-4049

www.ajg.com

Copy

mailto:[email protected]




CONTENTS

Description Section C. Cover Letter and Executive Summary ..............................................................1 D. Description of Company and Services .............................................................2 E. Fee ....................................................................................................................3 F. Acknowledgments .............................................................................................4

• Section 1.8 Addenda Acknowledgments • Section 6 (6.1 – 6.11) Acknowledgments

Appendix A – Scope of Services Acknowledgment ...............................................5

• Scope of Services from Section 3.2 of RFP • Scope of Services from Addendum #1

Appendix B – Completed Reference Questionnaire ..............................................6 Appendix C – Additional Gallagher Information .....................................................7

• Representative Public Sector Client List • The Gallagher Way


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C. COVER LETTER AND EXECUTIVE SUMMARY November 29, 2012 Procurement Management Division Att: Brian K. O’Connor 17011 NE 19th Avenue, Room 315 North Miami Beach, FL 33162 Subject: Request for Proposal No. 2012-25 Insurance Broker Services Dear Mr. O’Connor: Thank you for the opportunity to respond to the City’s Request for Proposals. We are excited for the opportunity to help minimize the City’s cost of risk, and enhance your safety practices. We have had much success helping other South Florida cities, over many years, and believe that that knowledge will be valuable to the City of North Miami Beach.

Local Expertise … Global Resources Arthur J. Gallagher Risk Management Services is the leading insurance broker for self insured public entities in the State of Florida. We are a global company with a major presence in the Florida Public Sector space, yet our office is only a few miles away from the City of North Miami Beach. Experience As the leading insurance broker for public entities in Florida, we work with clients who face challenges that are similar to those being faced by the City of North Miami Beach. Our practice has grown by helping our clients meet challenges such as:

• Long tail heart and lung presumption claims • The impact of the tort cap increase to reserving practices • The increasing cost of property insurance • The increasing cost and retention levels for excess workers compensation insurance • Being proactive to obtain FEMA assistance in the event of a hurricane

Understanding the needs of the City of North Miami Beach As the Public Sector risk management leader, we understand the City’s need for a broker to:

• Assist with identifying exposures and advise on the level of risk retention • Assist in developing and maintaining a comprehensive Risk Control program • Support the City’s Risk Financing objectives, and work with your actuaries. • Assist with losses, and settlements of major claims

These are the services we provide to our clients on a daily basis, and this helps them lower their total cost of risk over the long term.

However, don’t simply take our word for it, please see an example of what our clients say about us, on the next page…


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C. COVER LETTER AND EXECUTIVE SUMMARY

Client Reference Letter


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C. COVER LETTER AND EXECUTIVE SUMMARY

The Gallagher Way #21 We adhere to the highest

standards of moral and ethical behavior.


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D. DESCRIPTION OF COMPANY AND SERVICES

Please address each of the following items: 1. Provide information on the history and organizational structure of your firm including

the year established, ownership, and principal officers. Arthur J. Gallagher & Co. – History of our firm Founded in 1927, Arthur J. Gallagher & Co., our parent company, has been in business for 85 years. Gallagher was one of the first brokers to transition from simply selling insurance to providing true risk management services – by identifying exposures, then developing and implementing ways to reduce those risks. Clients benefited from this approach, which allowed them, rather than the insurers, to direct their own activities. Reducing the financial and human cost of risk would become a cornerstone for Gallagher, as the firm helped create the universe of self-insurance and alternative markets.

With this pioneering spirit, in 1938 Gallagher designed the first retrospective rating program, which gave customers credit for holding down their losses. In 1963, Gallagher broke new ground by forming the first non-Workers’ Compensation self-insurance program. Over the years, we’ve gone on to develop the first fronting company arrangement to provide needed proof of insurance. Gallagher Bassett was formed in 1962 to administer claims and loss control activities.

Through innovation, and a full risk management service approach, Gallagher has grown to become one of the largest risk management and insurance brokerage firms in the world and the leader in public sector risk. Arthur J. Gallagher Risk Management Services, Inc. has offices throughout the United States, Canada, London, Australia, Bermuda and access to all major insurance markets throughout the world.

Representative Dade and Broward Public Sector Clients

Miami-Dade BOCC Miami-Dade Schools City of Miami Beach City of Hialeah City of Coral Gables

Broward County BOCC Broward County Schools City of Pembroke Pines City of Miramar City of Pompano Beach

Arthur J. Gallagher & Company (parent company) Year Established: 1927 Organizational Structure/ Public Company, NYSE-listed Ownership: Ticker Symbol: AJG 2011 Revenue: $2.13 Billion Employees: 13,000+ Chairman, President, and CEO: J. Patrick Gallagher, Jr. Offices: 300 + Offices worldwide Home Office: The Gallagher Centre Two Pierce Place Itasca, Il 60143


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Gallagher’s Public Sector Division Gallagher’s Public Sector Division represents the largest segment of business within our property and casualty brokerage. Our mission is to bring unsurpassed value to Public Sector organizations in their endeavor to reduce their cost of risk, and we are known for our commitment to public entity clients from a time in the past when no one was interested in serving this market. We have become the industry leader by being knowledgeable of our client’s needs, and by investing in resources to provide innovative and high quality consultative services and products. Our Florida Public Sector Position We have over 40 professionals, in three offices throughout the state, who specialize in public sector risk management. Notably: • We are the leading Florida Public Entity & Scholastic insurance broker. • We are the leading Florida Property Insurance broker, working with more than 20 clients

whose insurable values exceed $1 Billion. • Market access and leverage with all major insurers • Extensive experience in public sector alternative risk and pooling programs. • Specialized resources on staff in the area of Claims Advocacy and Safety. • Unsurpassed experience in handling Florida catastrophic windstorm claims. • High level of experience in dealing with FEMA and the Florida Department of Community

Affairs to assure maximum FEMA recovery for our clients.

Long Term Public Sector Client Relationships 27 Florida County School Systems 23 Florida Cities 17 Florida County Governments 28 Florida State Colleges

Arthur J. Gallagher Risk Management Services, Inc. (RFP respondent)

Directors: James S. Gault

David E. McGurn, Jr. Global Reach: 4th largest broker in the world Largest U.S. public sector broker Public Sector Clients: 6,000 +


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D. DESCRIPTION OF COMPANY AND SERVICES 2. Identify and describe pertinent experience of the firm, including servicing other public

sector accounts, if any. Provide the percentage of your firm’s current clients that are public employers. Describe your experience and relationship with the City’s insurance carriers.

Gallagher has over 6,500 public sector clients, and we earn more than 60% of our revenues from serving the risk management needs of the public sector. Gallagher is also the leading broker for individually self insured public entities in the state of Florida. We understand that the majority of the City’s claims are paid from the City’s internal loss fund, and not by an insurance company. Our goal is to help you minimize your Long Term Cost of Risk, and obtaining the lowest insurance pricing is only part of this.

In order to help clients like the City of North Miami Beach, we provide services such as:

Risk Control (Safety) services to help our clients reduce accidents and resulting claims

Contract / RFP review to ensure favorable wording that protects our clients interests

Claims Advocacy to help our clients close out, and reduce the cost of existing claims

Daily Risk Consulting providing timely advice from our practical experience

Insurance market leverage to obtain the broadest terms, and best pricing (domestic and international markets)

RFP / Vendor Screening using our knowledge and experience to help our clients select strong partners

Dedicated practices for specialized risks such as Cyber and Environmental

Financial Analysis providing timely information for decision making, and managerial reports.

No other broker has more pertinent experience than Gallagher in helping public entities reduce their long term cost of risk. In addition, the City’s proposed service team consists of the leading Public Sector risk specialists in the state:

Team Member Years of Experience Public Sector Accounts Managed Craig Fainstein 22 9

Jori Van der Voort 18 8 Tony Abella, Jr. 25 11

Bart Douglas 25 Manages Claims Advocacy Team Jim Smith 29 Manages Risk Control Team

We are very proud of the results that we have been able to achieve for our clients. This is the reason that we continue to earn our clients’ business through multiple RFP processes over the years. No other broker can demonstrate our level of success because no one else focuses on the needs of self-insured public entities like we do. On the following pages are some recent success examples:

In addition, the City’s property/casualty insurance carrier, the Florida Municipal Insurance Trust (FMIT), is a risk-sharing pool that is serviced by the Florida League of Cities. We are very familiar, and have several clients with FMIT.


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The Gallagher Way #1 We are a Sales and Marketing

Company dedicated to providing excellence in Risk Management

Services to our clients.

The Gallagher Way #20

We run to problems – not away from them.

D. DESCRIPTION OF COMPANY AND SERVICES Recent Success Examples:

A) South Florida City: $3 million reduction in Total Cost of Risk

• Challenge: City’s cost of risk was almost $7 million and climbing

• Objective: Gallagher was asked to help the City by: o Implementing Safety Training throughout City departments

o Assigning Claims Advocacy to work with the City’s Legal Counsel and TPA to reduce claims costs

o Continually restructuring the insurance program to maximize the changing market

o Helping to obtain a Reasonableness Letter to enable FEMA hurricane assistance.

• Result: Through a focused approach, our client City was able to reduce their loss experience, overall cost of risk, and allocated loss funding, enabling them to redeploy over $3 million for other uses throughout the City.

Sample City Total Cost of Risk

$3,000,000 $3,500,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000

2006 2007 2008 2009 2010 2011 2012


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D. DESCRIPTION OF COMPANY AND SERVICES Recent Success Examples: B) South Florida City: 15% reduction in Windstorm Loss Modeling

• Challenge: Insurers are using new hurricane loss modeling software that is increasing loss projections, and clients’ cost of property insurance.

• Objective: Gallagher was asked to help the City by:

o Working with several City departments, through Risk Management to obtain newly required construction information and secondary factors.

o Recoding the City’s Statement of Values to new industry standards

o Positioning the City for a favorable renewal, despite the hardening market.

• Result: Through a team effort, we helped our client City reduce their loss projection by almost 20%. This resulted in a reduction in their cost of property insurance.

C) City and County Risk – Two-Towered Property Program

• Challenge: Increasing cost of property insurance

• Objective: Obtain proper credit for Utilities properties, which tend to be low-risk.

• Result: Gallagher introduced a property insurance program that separated Municipal Property from Utility Property. This created a two (2) tower insurance program that reduced costs and increased limits for wind coverage.

Type of Risk Premium Savings Wind Limit Increased City $260,000 $28 Million City $495,000 $85 Million City $300,000 $50 Million County $800,000 $200 Million

$250,000,000

$270,000,000

$290,000,000

$310,000,000

$330,000,000

$350,000,000

$370,000,000

$390,000,000

Before After

Sample City - Modeled Hurricane Loss Projection


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D. DESCRIPTION OF COMPANY AND SERVICES 3. Provide the names of the agent/brokers to perform the work of the City and a brief

statement as to why each agent/broker is qualified to provide the services herein. Identify areas of expertise for each consultant, resume, citing experience and references, including licenses, designations/affiliations and any other pertinent qualifications. Identify the other employees who will be assigned to service the account of the City. Highlight their experience in the service are they will provide, along with resumes.

Please see our Team Composition beginning on the next page.


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The Gallagher Way #2 We support one another. We believe in one another. We

acknowledge and respect the ability of one another.


Craig S. Fainstein, CPCU, ARM, ASLI, ARe Area Assistant Vice President Arthur J. Gallagher Risk Management Services, Inc.

Craig Fainstein has been in the insurance industry since 1990 and prior to joining Gallagher in 2008, served for eight years as an account manager and sales professional with another global broker. Craig’s experience includes managing traditional and alternative risk financing programs for large enterprises, public entities, and private equity clients. Craig holds a Master of Business Administration degree with a concentration in Finance

from Nova Southeastern University, and a Bachelor of Arts degree in Economics from Florida International University. Craig also holds the Chartered Property Casualty Underwriter, Associate in Risk Management, Associate in Surplus Lines Insurance, and Associate in Reinsurance designations, a 220 general lines insurance license, and is currently working on his Registered Professional Liability Underwriter designation. Craig is active with the Risk and Insurance Management Society, the Public Risk and Insurance Management Association (former member of the education committee), and other local civic and humanitarian organizations.

Jori L. Van der Voort, ARM Area Vice President Arthur J. Gallagher Risk Management Services, Inc.

Jori Van der Voort has over 18 years experience in the insurance industry and 15 years specifically working with Public Entities. Jori’s technical expertise, familiarity with alternative funding programs, solid market relationships and strong negotiating skills will ensure comprehensive, competitive insurance placement for the City of North Miami Beach.

Jaymee Brown Account Representative Arthur J. Gallagher Risk Management Services, Inc.

Jaymee Brown is one of the newest members of Gallagher’s Public Sector Division. Jaymee graduated from The Florida State University, Tallahassee, FL in 2012 with a Bachelor of Science in Risk Management/Insurance and a Bachelor of Science in Marketing. Jaymee

began her experience in the insurance industry in 2011 by completing the Gallagher Internship Program and working with the self insurance clients. She is currently enrolled in Gallagher’s Career Launch Program with a focus on Public Entities and currently manages several Public Entity accounst, specifically in Miami-Dade County. She has obtained her 220 Property & Casualty License and is in the process of earning her Associate in Risk management Designation (ARM).


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The Gallagher Way #11 We all need one another. We are

all cogs in a wheel.


Tara Morrone Client Service Representative – NFIP Flood Insurance Arthur J. Gallagher Risk Management Services, Inc.

Tara has been in the insurance field since 1988 and has worked at Gallagher for the past six years. After obtaining her B.S. in Business from Wagner College, NY in 1987, she started her insurance career in one of Florida’s largest firms’ Risk Management Departments. After obtaining her 220 Property & Casualty License, Tara spent the next 10 years in the property and casualty field working as an account manager

& underwriter, of which 5 of those years she worked at another global broker expanding her knowledge by working on international accounts. Tara brings vast knowledge of the industry to our team and prides herself on providing our clients with the highest level of customer service.

Gary Van der Voort Area Chairman Arthur J. Gallagher Risk Management Services, Inc. Gary Van der Voort, Area Chairman of the Miami office provides direct management, support and leadership to the entire team. Gary’s 30+ years of experience in the Florida Public Entity marketplace provides the Gallagher Team invaluable expertise and knowledge. He is available to

the City of North Miami Beach at any time.

Tony Abella Jr. Area Vice President Arthur J. Gallagher Risk Management Services, Inc. Tony Abella, Jr. currently leads the South Florida Public Sector Division. As a Manager and Practice Group leader, his responsibility will be to review and direct the servicing and implementation of the program. He will be a local resource to help maintain coordination within the project team and assure

efficient service delivery. He will assist the team as needed in the design of the insurance program, marketing, administration and loss control.


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The Gallagher Way #24 We must continue building a

professional Company – together – as a team.


Michelle Barrow Area Vice President Arthur J. Gallagher Risk Management Services, Inc. Michelle Barrow is Regional Professional Standards & Training Coordinator for the Florida Region. Michelle has over 32 years of professional experience in the insurance industry. She maintains all necessary resident and non-resident license. Ms. Barrow is experienced in public entity, scholastic and large commercial risk

management accounts. She has handled all aspects of servicing and producing these types of risks. She is managing four direct reports from the South Florida Branch – Miami Location which are responsible for servicing and managing our clients. She is also the Regional Professional Standards Coordinator responsible for training and monitoring of all Florida offices insuring compliance with Corporate Professional Standards Guidelines. Her knowledge and expertise with all of the above gives her credibility with our markets, as well as the ability to service large complex types of industries.

Jim Smith Director of Risk Control Arthur J. Gallagher Risk Management Services, Inc. Jim is a leading figure in risk control and safety in Florida and in the United States. Jim will work closely with the City of North Miami Beach to implement and maintain Best Practice safety programs, and target and minimize losses in any areas of concern. In addition, Jim will attend loss control meetings with insurance company personnel and assist with

the interpretation of and response to loss control recommendations. Jim will assist the City with a broad range of loss reduction and safety program consultations, to aid City engineers in their efforts to protect property, employees and members of the public. Among other accolades, Jim serves on the board of directors of the American Society of Safety Engineers.

Bart Douglas Area Vice President Arthur J. Gallagher Risk Management Services, Inc. Bart will work closely with the City of North Miami Beach, attending and participating in claim reviews, and assisting the service team in the claims settlement process. Bart will also provide advice and counsel in the handling of claims affecting the

City. In the event of a significant loss, Bart will step in to assist the City as your professional advocate, dealing directly with the claims adjusters who represent the City’s insurers. Bart has 25 years experience in the field of risk management and claims, including serving as the Risk Manager for a Fortune 500 company.


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Craig S. Fainstein, CPCU, ARM, ASLI, ARe

Area Assistant Vice President Account Executive

Craig is a member of Gallagher’s Public Sector Division and will share the overall responsibility for the City’s program. His expertise includes program design, marketing, consulting, self-insurance and account oversight.

KEY RESPONSIBILITIES • Program design and self-insurance approaches • Review and quantify client exposures and characteristics • Work with the City to establish goals, strategies, marketing and renewal activities • Develop risk financing options to minimize client’s total cost of risk • Negotiate with carriers on behalf of the client • Compare program options and make recommendations • Draft and review policies and contracts to obtain the most favorable terms for the

client • Participate in renewal meetings, and other meetings as may be necessary

EXPERIENCE • Over 20 years insurance industry experience • 7 years experience with Florida Public Entity clients • Placement of layered property programs in catastrophe prone areas • Placement of property and casualty insurance programs for large entities

EDUCATION/CREDENTIALS / PROFESSIONAL DESIGNATIONS • Master of Business Administration– Nova Southeastern University • Bachelor of Arts, Economics – Florida International University • Chartered Property & Casualty Underwriter (CPCU) • Associate in Risk Management (ARM) • Associate in Surplus Lines Insurance (ASLI) • Associate in Reinsurance (ARe) • Licensed 2-20 Property & Casualty Agent (License #A080376) • Registered Professional Liability Underwriter (RPLU) program in progress

AFFILIATIONS • PRIMA – National/Florida (former member, Education Committee) • RIMS – National/Florida • Chartered Property & Casualty Underwriters Society


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Account Executive

Jori is a principal of Gallagher’s National Public Sector Division Her expertise includes program design, marketing, consulting, self-insurance and account oversight. KEY RESPONSIBILITIES • Program design and self insurance approaches • Develop manuscript policy wording • Work with the City to establish goals, strategies, marketing and renewal activities • Participate in renewal meetings, and other meetings as may be necessary • Compare program options and make recommendations

EXPERIENCE • Over 18 Years insurance industry experience, all with Arthur J. Gallagher Risk

Management Services, Inc. • Over 16 Years working exclusively with Florida Public Entity and Scholastic clients • Structuring and placing layered property programs in Catastrophe prone areas. • Placement of insurance for large Florida property and casualty entities. • Extensive knowledge of Florida legislative and regulatory environment, specifically

related to Florida public entities.

EDUCATION/CREDENTIALS • Licensed 2-20 Property & Casualty Agent (License #A315307) • Associate in Risk Management Designation(ARM) • Bachelor of Science - University of Alabama

AFFILIATIONS • RIMS – National/Florida • PRIMA – National/Florida


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Jaymee Brown Account Representative

Account Management

Jaymee is an Account Representative within the Public Sector Division. She is currently the account manager for several Public Entity and Reinsurance accounts. KEY RESPONSIBILITIES • Managing and servicing the insurance program • Responding to any and all of City of North Miami Beach’ requests • Preparing Certificates of Insurance • Preparing submissions and proposals • Analyzing quotations and negotiating terms • Preparing and maintaining all schedules of property and liability values and locations • Responsible for updating the carriers of any value changes • Responsible for processing all invoices, binders, and checking policies for accuracy • Preparing Schedules of Insurance/Coverage Summaries • Implementing changes as requested EXPERIENCE • Account Manager on several Florida Public Entity Accounts • Currently enrolled in Gallagher Career Launch Program • Completed Gallagher Internship Program in 2011 working with self insurance clients EDUCATION/CREDENTIALS • Licensed Florida 2-20 Property & Casualty Agent (License #W109260) • Bachelor of Science – Risk Management and Insurance – Florida State University,

Tallahassee, FL • Bachelor of Science – Marketing – Florida State University, Tallahassee, FL AFFILIATIONS • RIMS • Active member of Young Agents Council


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Tara Morrone Client Service Representative – NFIP Flood Insurance

Account Management

Tara is responsible for maintaining Arthur J. Gallagher & Co.’s high standards of service for all Public Entities flood renewals. KEY RESPONSIBILITIES • Review statement of values against current flood policies ensuring all flood renewal

policies are insured to value • Update, verify and prepare flood renewal policies and schedules for accuracy. • Process customer invoices and change requests relating to flood renewals. • Coordinate with account team to maintain schedules and general support of the

team. • Work closely with Flood Insurance carrier in order to maintain up to date knowledge

of flood coverages, rate changes and on-line programs. • Organize and deliver final flood notebook/policies.

EXPERIENCE • 20 years of knowledge in the Property and Casualty field. • National Broker - Commercial Lines Acct. Exec./Large Accounts • Regional Broker - Commercial Lines CSR • Target Capital/Wausau Ins. Co. /Program Underwriter • Lumberman’s Underwriting Alliance/Underwriting Asst. EDUCATION / CREDENTIALS • Wagner College – B.S. – 1987 • Licensed 2-20 Property & Casualty Agent


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Gary Van der Voort, MBA Area Chairman

Senior Leadership Gary provides direct management, support and leadership to the entire team. Gary’s 30+ years of experience in the Florida Public Entity marketplace provides the Gallagher Team invaluable expertise and knowledge. KEY RESPONSIBILITIES • Design and implementation of large property and casualty insurance program for

public entities, both individual and pools. • Placement and marketing of Florida Coastal Property Schedules. EXPERIENCE • Following military service, he began as an Account Executive in the Chicago, Illinois

Home Office of Arthur J. Gallagher & Co. As a Commercial Lines Account Executive, he was involved in production and servicing of commercial, industrial and public entity accounts.

• In 1975 Gary moved into management as a Commercial Lines Unit Manager. • June 1, 1977 Gary was promoted to Area President of Arthur J. Gallagher & Co.

(Florida). Business growth focused on the Public Entity and Scholastic accounts in Florida.

• In 1987 Gary was promoted to Corporate Vice President in charge of the Eastern Region.

• In February of 1993, Gary was promoted to President and Chief Operating Officer of the newly formed Brokerage Services Division.

• In 2000, Gary was promoted to Corporate Vice President and charged with the creation and development of the Gallagher Niche Strategy. The Public Entity and Scholastic Division was the first niche formed. The Public Entity is the largest Gallagher Niche with over 150 members and 27 branch offices.

• Later in 2000, in addition to his Niche responsibilities, Gary became the Area Chairman of the Arthur J. Gallagher Risk Management Services, Inc. – Miami location and now combined with Boca Raton to become the South Florida Office – 2007.

EDUCATION/CREDENTIALS / PROFESSIONAL DESIGNATIONS • Graduate of University of Michigan • Bachelor of Business Administration • Graduate Northwestern University • Masters Degree of Business Administration • Florida 2-20 Property & Casualty Agent (License #A271686) • Florida Surplus Lines – 1-20 License


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Tony Abella, Jr., CPCU, ARM, ARe, MSIM Area Vice President

Director, South Florida Public Sector Division Senior Leadership

Tony leads the South Florida Public Sector Division and will share the overall responsibility for your program. His expertise includes program design, marketing, consulting, self-insurance and account oversight for large public entity and scholastic risks. Tony specializes in CAT-exposed property programs. KEY RESPONSIBILITIES • Provide support to the servicing team for the City of North Miami Beach • Designing programs that optimize the utilization of client’s funds available for risk

transfer

EXPERIENCE • Designing and implementation of risk management programs for public

entities • Project management and maintaining quality of overall service delivery • Structuring and placing layered property programs in catastrophe prone

areas • Extensive knowledge of Florida legislative and regulatory environment,

specifically related to Florida public entities

EDUCATION/CREDENTIALS / PROFESSIONAL DESIGNATIONS • Licensed 2-20 Property & Casualty Agent (License #A000307) • Licensed 1-20 Surplus Lines Agent • Chartered Property & Casualty Underwriter (CPCU) • Associate in Risk Management (ARM) • Associate in Reinsurance (ARe) • Bachelors of Science – Florida International University • Masters of Science in Insurance Management (MSIM) – Boston University

AFFILIATIONS • Risk and Insurance Management Society (RIMS) – National/Florida • Public Risk and Insurance Management Association (PRIMA) – National/Florida • Florida Educational Risk Manager’s Association – (FERMA) • Chartered Property & Casualty Underwriters Society


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Michelle Barrow, ARM, AAI Area Vice President

Senior Leadership

Michelle is the Area Vice President and Regional Professional Standards & Training Coordinator for the Florida Region. She has been with Gallagher over 27 years and brings knowledge and expertise to give her the edge with our markets as well as the ability to service our public entity clients as needed. KEY RESPONSIBILITIES • Training and monitoring all Florida offices insuring compliance with Corporate

Professional Standards. • Assist the team in reviewing the City’s contracts and agreements for

recommendations on insurance wording EXPERIENCE • Maintains all necessary resident and non resident licenses. • Broad knowledge and experience with public entity, scholastic and large commercial

risk management accounts. • Responsible for managing four direct reports from the South Florida Branch. EDUCATION/CREDENTIALS / PROFESSIONAL DESIGNATIONS • Florida 2-20 Property & Casualty Agent (License #A014875) • Accredited Advisor in Insurance (AAI) • Associate in Risk Management (ARM) • Various Insurance Courses at the University of Miami AFFILIATIONS • Florida Association of Insurance Agents • Independent Insurance Agents of Florida - Miami


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Bart Douglas, AIC

Area Vice President Claims Advocacy

Bart will work closely with the City of North Miami Beach, attending and participating in claim reviews, and assisting the service team in the claims settlement process. Bart will also provide advice and counsel in the handling of claims affecting the City. In the event of a significant loss, Bart will step in to assist the City as your professional advocate, dealing directly with the claims adjusters who represent the City’s insurers. KEY RESPONSIBILITIES • Coordinate and attend claim review meetings. • Review and provide recommendations on proper reporting of claims. • Investigate questionable claims issues. • Assist the City on all significant claims’ resolution and/or coverage disputes. EXPERIENCE • Acts as an advocate for the client in all claims related matters. • Is a liaison between the carrier and the TPA to facilitate the interest of the client in

specific claim issues. • Provides oversight and guidance to the client on significant individual claims. • Provides claim expertise to the client on broad claim issues such as pro-actively

affecting frequency and/or severity. • Assists in specific claim analysis for underwriting purposes. • Specific Claim Audits • Specific Claim Related Projects EDUCATION/CREDENTIALS / PROFESSIONAL DESIGNATIONS • Licensed 5-20- All Lines Adjuster (License #A071156) • Graduate Harding College – Searcy, Arkansas • Bachelor of Science – Social Science • Associate in Claims (AIC) AFFILIATIONS • RIMS –National/Florida


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James D. Smith, CSP, MS Director, Risk Control

Risk Control

Jim Smith will be responsible for providing risk control advice as needed to the City. Jim has been in the industry for over 25 years. Prior to joining Gallagher, Jim worked for the South Florida Water Management District as the Safety and Claims Manager for 18 years. His experience in the public sector uniquely qualifies him to work with the City of North Miami Beach as he has a thorough understanding of the complexities you face.

KEY RESPONSIBILITES • Coordinate with the development and implementation of the loss control program

and safety monitoring procedures. EXPIERENCE • Over 25 Years of workplace safety and loss control experience • Vehicle Safety Program • Safety Management/Administration • Hazard Identification & Analysis • Safety Training • Safety Regulations/Standards • Comprehensive Audit/Matrix Indexing • Liability Risk Assessment • Safety Engineering for Facility Design/Layout • Slip/Falls EDUCATION/CERTIFICATIONS • Certified Safety Professional (CSP)#9333 • Bachelor of Science – Industrial Safety, Central Missouri State University • Master of Science – Industrial Safety, Central Missouri State University

AFFILIATIONS • Professional Member of American Society of Safety Engineers • Board of Directors for American Society of Safety Engineers (ASSE) • Risk and Insurance Management Society (RIMS) – National/Florida • Public Risk and Insurance Management Association (PRIMA) – National/Florida • Florida Educational Risk Manager’s Association – (FERMA)

AWARDS • ASSE Loss Control Professional of the Year - 2007


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D. DESCRIPTION OF COMPANY AND SERVICES 4. Outline the program the account team will implement in working with the City

administration and staff to provide transition in new and or existing programs, to communicate the scope of benefits program with employees. Outline the administrative support and organization included by the agent services team for carrier changes.

Question deleted.

5. How will you manage costs? Citing specific examples from your relevant experience,

explain the firms approach to assisting local governments to maximize benefits for employees while minimizing financial impact of rising health insurance premiums. Detail innovative concepts your firm has employed in this area.

Question deleted.


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D. DESCRIPTION OF COMPANY AND SERVICES 6. Select only accounts that City of North Miami Beach can contact to discuss your

reports and performance and all aspects of consulting services that your firm has provided for at least four consecutive years. Below is a representative list of our clients from throughout the state who, like the City of North Miami Beach, utilize self insurance in their risk management program. No other broker has Gallagher’s expertise in placing programs like that of the City of North Miami Beach, and minimizing public sector clients’ long term cost of risk.

Client Line of

Coverage Contact Client Since

City of Riviera Beach 2051 Martin Luther King Jr., Blvd., Suite 302 Riviera Beach, FL 33404

All Lines

Marie Sullin Risk Manager 561-840-4879 [email protected]

1979

City of Miami Beach 1700 Convention Center Drive Miami Beach, FL 33139

Property, B&M, Crime, Storage Tank

Liab, and Flood

Clifton Leonard Risk Manager 305-673-7014 [email protected]

1995

Clay County School District 900 Walnut Street Green Cove Springs, FL 32043

All Lines

George Copeland, Ed.D. CPA Asst. Superintendent 904-272-8100 [email protected]

1988

Lake County BOCC 315 West Main Street Tavares, FL 32778

All Lines

David P. Merrill Risk Manager 352-343-9793 [email protected]

1988

Polk County BOCC 2010 East Georgia Street Bartow, FL 33831-9005

Property, B&M, Crime, Excess WC

Michael S. Kushner, CSP, ARM Director, Risk Management 863-534-5265 [email protected]

1996

City of Coral Gables 2801 Salzedo Street, 200 Coral Gables, FL 33134

All Lines

Michael Sparber Risk Management Admin. 305-460-5528 [email protected]

1977

City of Hialeah 501 Palm Avenue Hialeah, Fl 33010

Master Property Program

Lloyd Still Risk Manager 305-883-8060 [email protected]

1988

City of Pembroke Pines 10100 Pines Blvd. Pembroke Pines, FL 33026

Casualty

Daniel A. Rotstein Risk Management Director 954-437-1146 [email protected]

1989

City of Miramar 2300 Civic Center Place Miramar, FL 33010

All Lines

Caroline Cervantti Asst. Dir. Human Resources. 954-602-3813 [email protected]

1988






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Reference List (continued)

Client Line of Coverage Contact Client

Since

City of Deerfield Beach 150 N.E. 2nd Avenue Deerfield Beach, FL 33441

All Lines

Mike Milanowski Risk Manager (954) 480-4332 [email protected]

2000

City of Boca Raton 201 W. Palmetto Park Rd. Boca Raton, FL 33432

Casualty

Jean Heald Risk Manager (561) 393-7970 [email protected]

2000

City of Boynton Beach 100 E. Boynton Beach Blvd. Boynton Beach, FL 33425

Utilities Property / Casualty

Chuck Magazine Risk Manager (561) 742-6042 [email protected]

2000

City of Pompano Beach 100 W. Atlantic Blvd. Pompano Beach, Fl 33060

All Lines Ed Beecher Risk Manager 954-786-5555 [email protected]

2000

State of Florida 200 East Gaines Street Tallahassee, FL 32399

Property / Marine

R.J. Castellanos Director, Risk Management 850-413-4700 [email protected]

2007

Miami-Dade County Board of County Commissioners 111 NW 1st Street Suite 2340 Miami, FL 33128

Master Property Program

Barbara Dunlop Risk Management Property & Casualty Manager Tel 305-375-3199

1984

Miami-Dade County Public Schools 1501 NE 2nd Avenue, Suite 335 Miami, FL 33132

All Lines Scott Clark Risk & Benefits Officer (305) 995-7155

1977

Broward County Board of County Commissioners 115 S. Andrews Ave, Suite 210 Ft. Lauderdale, FL 33301-0869

All Lines

John Burkholder Assistant Director 954-357-7203 [email protected]

2009

Broward County School Board 600 SE Third Avenue 11th Floor Risk Management Fort Lauderdale, FL 33301

All Lines Aston Henry, Jr. Risk Management, Supervisor (754) 321-1901

1985

Palm Beach County Board of County Commissioners 160 Australian Ave., Suite 200 West Palm Beach, FL 33406

All Lines Nancy Bolton Director of Risk Management 561-233-5441

1990

School District of Palm Beach County 3370 Forest Hill Blvd. West Palm Beach, FL 33406

OPPI/Master Builder’s Risk

Dianne Howard Director of Benefits and Risk Management (561) 434-8414

1999



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Reference List (continued)

Client Line of Coverage Contact Client

Since Brevard County Board of County Commissioners 2725 Judge Fran Jamieson Way Viera, FL 32940

All Lines

Gerald Visco Insurance Director 321-637-5446

2000

School Board of Brevard County 2700 Judge Fran Jamieson Way Viera, FL 32940

All Lines

Mark Langdorf Director of Risk Management 321-633-1000, ext. 616 [email protected]

2000

School District of Escambia County 75 North Pace Blvd. Pensacola, FL 32505

Property, B&M, Crime, Storage Tank Liability

Kevin Windham Director of Risk Management (850) 469-6218 [email protected]

2002

Hillsborough County 601 E. Kennedy Blvd. 17th floor Tampa, FL 33602

All Lines Mike McNabb Risk Manager (813) 635-8282 [email protected]

2002


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Interpersonal business relationships should be built.

D. DESCRIPTION OF COMPANY AND SERVICES 7. Explain your strategy when bidding out the plan, how often will your firm bid out the

insurance plans? Describe the firm’s methods for development of specifications to obtain competitive insurance policy quotes and the means of communicating with the City’s administration the results. Outline the calendar for the process to be followed.

We believe that the best strategy is when the client is involved in the marketing process. Therefore, we begin the marketing process six months prior to renewal by meeting with the client to determine the best approach at that time. We will bid out the various components of the City’s insurance program as often as the City asks us to, and we will provide the City with the information necessary to make this decision. From a strategic perspective, we do not believe that it is in the City’s best interest to bid out the insurance program every year, simply for the sake of bidding it out. We believe that as the times dictate, the City should select one, or a few insurers, and subsequently develop relationships with them. We highly recommend that our clients meet their underwriters face-to-face. As has been evident in recent years, when the market begins to tighten, and coverage becomes more expensive, long term relationships pay off.

When we go to market, we provide all viable insurers with the information necessary to obtain their best offer to cover our clients’ risks. This is in accordance with the individual specifications that we develop with our client’s input. Our submission to the market includes:

• A detailed narrative describing our clients’ operations and needs. • Details on exposures and loss history, always placing the client in a positive light. • Detailed coverage specifications, including manuscripted provisions. • A summary of why it makes sense for the carrier to offer their best terms, in order to

win the client’s business.

Through several rounds of negotiations, with all competitive insurers, we develop an optimal program based on the best pricing and coverage available.

Once we have obtained terms to present to the City, we will convene in a face-to-face

meeting, with all interested parties. We will present an executive summary of the overall program, along with our recommendations. Such a summary typically includes premium, rate and coverage comparisons, as well industry benchmarking so the City can analyze its program in context with its peers. A sample marketing calendar appears on the next page.


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Sample Marketing Calendar

Please note that we are happy to modify this timeline to best meet the City’s specific needs. We understand that the City requires bindable quotes at 45 days prior to renewal, and that is when we will be presenting the renewal options (many of our clients like this approach). However, we often find that we can continue to obtain improved terms and pricing if we are able to continue negotiating past the 45 day mark. Our clients appreciate that we are always looking out for their best interest in the market, until and beyond the moment we bind coverage.


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D. DESCRIPTION OF COMPANY AND SERVICES 8. How would you assist City of North Miami Beach with compliance requirements and

issues?

We assist our clients with compliance requirements and issues in a number of ways: • Contract Review: We review our clients’ contracts and RFP documents on a daily basis

to ensure compliance, as well as to spot potential problems such as inadvertent waivers of sovereign immunity.

• Public Sector information and educational webinars: Our national Public Sector practice frequently distributes newsletters and bulletins with timely information. In addition, we host periodic webinars, at no cost to participants, on various risk and compliance topics.

• Gallagher Online: Our nationwide network of Public Sector risk professionals is linked together via our online system, in order to share information and client solutions for the benefit of all of our clients. We routinely see, and make and respond to inquiries across the entire practice, in an effort to solve our clients’ risk issues.

• Gallagher Risk Control: As part of our service, we will provide the City with an assigned Risk Control / Safety Professional. This will enable the City to benefit from the best practices safety procedures that we have developed for our clients over the years.

Our process, which can be modified to best meet the City’s needs, consists of:

o Risk Assessment

o Review of operational exposures

o Review of current practices

o Claims data analysis

o Create Report / Control Solution

o Supervisory Safety Management Training

o Safety training Video CDs, on a variety of topics, which can be viewed individually, or saved onto the City’s intranet for access by all employees. Topics include:

o New Employee Safety Orientation

o Lockout Tagout o Hazard Communication

o Bloodborne Pathogens

o And more…


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We push for professional excellence.

D. DESCRIPTION OF COMPANY AND SERVICES 9. Describe how your firm will review plan documents for compliance with applicable

laws and contracted agreements. Describe your firm’s commitment to the responsibility for representing accurately the scope of coverage being made available by the carriers recommended and selected in the quoting process. As a leading professional services firm, we adhere to a codified set of professional standards, and quality assurance is inherent in every step of our service process. The process begins when we meet with our clients to understand their needs, and continues into our submission to the markets, and throughout the marketing and servicing process: 1. We initially meet with our clients to understand their

risk issues, specific needs, and program goals. 2. We incorporate this understanding into our marketing

submission, and specifically enumerate the coverages, limits, terms, and conditions, that we are seeking, in order to provide the most comprehensive insurance program to meet our clients’ needs.

3. We then carefully review the quotes we receive from the markets to ensure that they comply with the requested program specifications. Since every insurer is unique, we make certain to document deviations from the requested coverages, as well as any enhancements offered.

4. The results of our marketing efforts will be presented to the City in the form of customized proposal which will provide specific detail on every aspect of the options that we are presenting. Every Gallagher proposal follows professional standards, and undergoes multiple reviews to ensure accuracy before being presented to our client. In addition, our presentation will also be in summary format, covering the major points, so that the City clearly understands the information it needs in order to make an informed decision.

5. Once the City has decided on the program that it wants to proceed with, we will ask you for a written and detailed authorization to bind, listing the specific options selected, which will ensure clear communication of the requested coverage.

6. Upon receipt of the City’s authorization to bind, we will immediately request binders from the carriers, and follow up for their timely issuance. We then check the binders to ensure they conform to negotiated and proposed terms.

7. We then follow up to ensure that the carriers issue our clients’ policies in a timely manner. Once the policies are received, they undergo two reviews: A. A basic policy check, performed by the Gallagher Service Center, ensures that the

policy has been issued in accordance with the terms negotiated and proposed. B. A detailed policy check, performed by the City’s local account management team,

verifies the GSC findings, and that the program conforms to our client’s needs. 8. This effectiveness of our professional standards process is reinforced by periodic audits

which are performed at a local, as well as national level. Any discrepancies noted are immediately addressed and corrected by the local account management team.

This process ensures that plan documents are reviewed for compliance with applicable laws and contracted agreements.


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D. DESCRIPTION OF COMPANY AND SERVICES 10. How will you assist with services problems/claims problems? Does your firm provide

a toll free number and/or internet access and support? What access will be made available to administrators? Outline the response process and timeframe for addressing needs and/or concerns of the City’s administrators.

Claims Advocacy Should the City ever experience any issues with its claims, Gallagher is proud to offer our industry-leading Claims Advocacy practice. Led by Bart Douglas, a former Fortune 500 Risk Manager who has 25 years experience, Gallagher Claims Advocacy has more experience obtaining favorable resolutions for our Florida clients’ claims, than any other broker. We offer a broad range of services, including:

• Claim Reviews • Seminars / Workshops

• Claim Audits • CAT Management (responders/vendors)

• Complex claim consulting • TPA / Attorney / Vendor Selection

• Claim-Needs Analysis • RMI Claim Management Manual

Service Excellence While it is our goal to meet and exceed the expectations of the City of North Miami Beach, if the City ever does experience any service problems, you will have direct access to our leadership team, up through and including the Area Chairman, Gary Van der Voort. Your account executives, and/or our senior leadership team, will work to immediately resolve any issues that the City experiences. As is shown on our organizational chart, we use a team approach that ensures that the City will always have access to a knowledgeable and involved team member. Your first point of contact will be Craig Fainstein and/or Jori Van der Voort, who are co-account executives. In addition, and for your day-to-day service needs, you will be able to contact Jaymee Brown. Our office’s toll-free number is 1-800-488-3003. However, we are local to the City, and you will have direct access to each team member via their individual office and mobile phone numbers.

Toll Free Number: 1-800-488-3003

Team Member Direct Phone Number

Craig Fainstein 786-331-1260

Jori Van der Voort 305-639-3116 Jaymee Brown 786-331-1258 Tony Abella, Jr. 305-639-3108 Gary Van der Voort 305-639-3101


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D. DESCRIPTION OF COMPANY AND SERVICES 11. How will you assist with making recommendations to improve the benefits

program/what benefits to offer, identifying shortcomings, and compliance problems? Outline the process that your firm would use to evaluate overall effectiveness.

Question deleted. 12. Cite major complaints, claims or lawsuits, if any, pending against the firm and that would be considered material to the firm’s financial status.

As with any business, Arthur J. Gallagher & Co. and its affiliates ("Gallagher") may be involved in multiple regulatory actions, investigations or lawsuits (collectively, "Actions"). Specific details of Actions to which Gallagher is subject are noted in reports to the SEC, which are available in the Investor Relations/SEC Filings section at www.ajg.com, particularly in the "Commitments, Contingencies and Off-Balance Sheet Arrangements" footnote to Gallagher's financial statements set out in Gallagher's most-recent Annual Report on Form 10-K and Quarterly Report on Form 10-Q. You may access these forms at ajg.com, under the tab "Investor Relations." There are no complaints, claims, or lawsuits against our firm that would be considered material to our financial status.

13. Provide a copy of an executed analysis for a sample customer, to include: • Review of Benefit Design • Cost Management • Contribution Strategy • Benefit Evaluation Question deleted.

http://www.ajg.com/

http://www.ajg.com/

http://www.ajg.com/


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E. FEE The City will only consider a flat fee. All payments related to these services are to be billed directly to the City. No commissions, bonuses or indirect payments from insurance providers should be accepted for any reason. You are to represent the interests of the City. In our experience, the potential dollar savings that the City can realize from our risk management services far outweighs the fee that we propose. The annual fee that we propose for providing all services detailed in this RFP response is $55,000 at annual adjustment factor of 4%. Our services will be related to the lines of coverage that are as listed in the RFP document, and as clarified in the 11/16/12 Pre-Bid meeting (i.e. the City advised us that you do not purchase Auto coverage, nor is the Police Department covered under the program), and are as follows:

• Liability Insurance • Workers Compensation Insurance • Property Insurance • Windstorm • Inland Marine

For lines of coverage and placements that are extraordinarily dissimilar to those described above, we agree to negotiate with the City an appropriate amount of additional compensation. We respect the City’s requirement for all policies to be placed without commission, however it is the position of the Federal Emergency Management Agency (FEMA) that rebating commissions on National Flood Insurance Program (NFIP) policies is not allowed (see memo on the following pages). Nevertheless, it is important to note that NFIP Flood policies are standard and the rates are prescribed by FEMA. They are not subject to to a system of uniform national pricing (the coverage and cost of these policies are the same, regardless of the insurance company or broker from whom they are purchased). Therefore, our compensation for the placement of any policies in the National Flood Insurance Program will be derived from the insurer in the form of a commission. We are happy to discuss this further with you. Arthur J. Gallagher Risk Management Services, Inc. (AJGRMS, the RFP respondent) agrees to provide all services outlined in this response, net of commission (except for NFIP Flood Insurance, as described above). Please note that there are numerous insurers, who may be advantageous for the City to consider, that can only be accessed through an intermediary or wholesaler. That intermediary/wholesaler may, or may not, be a company related to AJGRMS. The intermediary/wholesaler will be compensated based on usual and customary commissions. This will be fully disclosed to the City allowing the City to make the ultimate decision. We invite further discussion on this topic. Please note that Gallagher has a policy of complete transparency. Any and all compensation that is earned by us, or any of the intermediaries or wholesalers we utilize for placing the City’s coverage (whether related to us or not), will be specifically disclosed to you in our proposal.


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E. FEE

April 4, 2012 FEMA Memorandum – page 1 of 2


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E. FEE

April 4, 2012 FEMA Memorandum – page 2 of 2


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F. ACKNOWLEDGMENTS

The Proposer must complete, sign as required, and submit the Addenda (refer to section 1.8) and all forms from Section 6 as part of its submittal. Section 1.8 Addenda:

• Addendum #1 • Addendum #2

Section 6 Various Acknowledgements 6.1 Acknowledgment Form (Proposal Page)

• Certificates of Insurance 6.2 Statement of “No” Bid/RFP (not applicable) 6.3 Reference Questionnaires

• City of Riviera Beach. • City of Miami Beach • Clay County School District • Lake County Board of County Commissioners • Polk County Board of County Commissioners

6.4 RFP Signature Page for Corporation 6.5 RFP Signature Page for Sole Proprietor or Partnership (not applicable) 6.6 Drug-Free Workplace Program 6.7 Solicitation, Giving, and Acceptance of Gifts Policy 6.8 Noncollusion Affidavit 6.9 Source of Information 6.10 Respondents Certification 6.11 Sworn Statement of Public Entity Crimes


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F. ACKNOWLEDGMENTS /ADDENDUM 1 SCOPE OF SERVICES Delete items 4, 5, 11 and 13 from Section 4 since employees benefits insurance is not part of this contract. Please add the following to the Scope of Services The following services and responsibilities may be included in the scope of broker’s assignment: 1. The selected broker, after award, will work closely with the City’s Risk Manager in risk

analysis, preparation of underwriting submissions/specifications, marketing, program design and carrier selection. It is expected that the insurance broker will be actively involved to ensure the proper coverage for whatever the program may require. Maintain contact with global insurance markets, which are interested, available, and qualified to provide insurance and loss prevention services to the City.

Understood and agreed. 2. Risk Management Policy Development: Support the City’s efforts in continual

development of Risk Management Policies. This would include: presentation of industry standard practices; assistance in development of policies that support the goals of the City toward use of local resources; innovation in the design of risk funding of the City toward the use of local resources; and assist in presentations to policy and decision making authorities. Inform the City of applicable Federal and State compliance legislation, legislative trends and issues, and necessary governmental filings.

Understood and agreed. Gallagher is not only a pioneer in risk management for self insured entities, but we are also a local resource, as our office is only a few miles away from the City.

3. Risk Assessment: Assist in the identification and evaluation of risk exposures the

City faces and provide support and coordination with actuarial efforts on behalf of the City. Assist in the determination of the level of risk retention that is appropriate and recommend proper limits and coverages for risks/exposures common to similar size cities.

Understood and agreed.

4. Risk Control: Provide resources to assist Risk Management in development and

maintenance of a comprehensive risk control program which will adapt to variations in scope and level of governmental services offered by the City. Provide recommendations of loss control measures based on claims history prepared by the Risk Management Division.



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F. ACKNOWLEDGMENTS / ADDENDUM 1 SCOPE OF SERVICES 5. Risk Financing: Provide support to the City in development of risk financing plans

that enable the City to succeed in its overall financial planning and budgeting. Coordinate with actuarial efforts and provide comprehensive information on market conditions and trends. Support innovation in design of financing mechanisms.

Understood and agreed. 6. Marketing: No less than 90 calendar days prior to renewal of individual coverages,

meet with the City’s Risk Manager to present a marketing report. This report is to provide the City with: current program evaluation; marketing timetable; ratings of markets to be approached; broker recommendations and reasons; and anticipated rates and premium. Organize the presentation of the risk financing plan and exposures to the appropriate markets. Review the presentation plan and documents with the City’s Risk Manager for approval to proceed. Advise the City on methods of optimizing and developing high quality relationships with the markets as a trusted client. Negotiate best terms, rates and conditions. Monitor the financial condition of insurers, including their ability to pay claims promptly, and advise the City whenever any insurer is downgraded by any rating agency.

Understood and agreed. We highly recommend, and will coordinate face-to-face meetings

between the City’s Risk Manager, and the City’s existing and potential underwriters. As has been evident in recent years, when the market begins to harden, and coverage becomes scarce, long-term relationships pay off.

7. Insurance Proposals: Prior to submission, prepare a matrix of insurance proposals

received, to include an evaluation of coverage, limits and cost. Submit recommendations no less than 45 days prior to the policy expiration dates. Please confirm that you can adhere to these dates or advise as to exceptions.

Understood and agreed. We can adhere to these dates. 8. Policy Language: Be responsible for verification of policy language, checking for:

accuracy, appropriate form, compliance with requirements, proper application to risk, and client’s intended needs as specified. Provide expertise in the interpretation and preparation of manuscript insurance policy forms and endorsements.

Understood and agreed. 9. The selected broker will work with the City’s Risk Manager, to negotiate and purchase

the following insurances (but not limited to the following): Accidental Death and Dismemberment (Police and Fire only), Public Officials, Employment Practices Liability, All Risk Property & Terrorism, Blanket Crime, General Liability & Terrorism and Excess Workers’ Compensation Insurance. Provide the City with certain reports, at appropriate policy intervals, to include the following: loss reports and loss prevention programs/recommendations; insurance market trends and outlook; and risk retention recommendations and philosophy.



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F. ACKNOWLEDGMENTS / ADDENDUM 1 SCOPE OF SERVICES 10. Loss Management: Assist the City in proper management of information regarding

losses. Provide expert assistance in the settlement of major claims and losses. Serve as liaison between the City and the insurance carriers to assist in the timely and proper resolution of claims. Assist the City in periodic evaluation of claims handling and administration, and reserves for self-insured retentions. Comment and make recommendations regarding major losses incurred by the City during the previous and current policy periods.

Understood and agreed. 11. Billing: The City will only accept a flat fee.

Understood and agreed. 12. Annual Report: Broker is responsible for producing an annual report within 45 days

of the end of the fiscal year for the City. This report is to include: a schedule of policies in force, premiums, losses, commissions and fees earned or waived, developments and trends in the markets for these coverages; and proposals for change in the City’s coverages.


13. Availability: The account executive and team assigned to the City are to be able to

accommodate consultation on as-needed basis. Please offer information as to what can reasonably be expected for a turn-around time for phone calls and e-mails. Specifically advise as to who the City’s first point of contact will be and the resume/qualifications of that person.

We pledge to be available at any time that the City needs us.

The City’s first point of contact for all strategic and consultative matters will be Craig

Fainstein, Area Assistant Vice President (786-331-1260). If Craig is not available, the City will be able to contact Jori Van der Voort, Area Vice President (305-639-3116) (and vice versa). Craig and Jori will work as co-account executives for the City of North Miami Beach.

For day-to-day service issues such as issuing certificates of insurance, and other routine

requests, the City’s will be able to contact Jaymee Brown, Account Representative (786-331-1258).

Craig, Jori, and Jaymee will work together as a team to ensure that the City enjoys continuous and prompt service. We will strive to respond to the City on the same day, including immediately if possible, and the City will have our mobile phone numbers to reach us at any time, in the event of an emergency. Craig, Jori, and Jaymee’s resumes can be found on the following pages.


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F. ACKNOWLEDGMENTS / ADDENDUM 1 SCOPE OF SERVICES

Craig S. Fainstein, CPCU, ARM, ASLI, ARe Area Assistant Vice President

Account Executive Craig is a member of Gallagher’s Public Sector Division and will share the overall responsibility for the City’s program. His expertise includes program design, marketing, consulting, self-insurance and account oversight.

KEY RESPONSIBILITIES • Program design and self-insurance approaches • Review and quantify client exposures and characteristics • Work with the City to establish goals, strategies, marketing and renewal activities • Develop risk financing options to minimize client’s total cost of risk • Negotiate with carriers on behalf of the client • Compare program options and make recommendations • Draft and review policies and contracts to obtain the most favorable terms for the

client • Participate in renewal meetings, and other meetings as may be necessary

EXPERIENCE • Over 20 years insurance industry experience • 7 years experience with Florida Public Entity clients • Placement of layered property programs in catastrophe prone areas • Placement of property and casualty insurance programs for large entities

EDUCATION/CREDENTIALS / PROFESSIONAL DESIGNATIONS • Master of Business Administration– Nova Southeastern University • Bachelor of Arts, Economics – Florida International University • Chartered Property & Casualty Underwriter (CPCU) • Associate in Risk Management (ARM) • Associate in Surplus Lines Insurance (ASLI) • Associate in Reinsurance (ARe) • Licensed 2-20 Property & Casualty Agent (License #A080376) • Registered Professional Liability Underwriter (RPLU) program in progress

AFFILIATIONS • PRIMA – National/Florida (former member, Education Committee) • RIMS – National/Florida • Chartered Property & Casualty Underwriters Society


- 45 -



Account Executive








- 46 -


Jaymee Brown Account Representative

Account Management




- 47 -


14. Contract Review: Provide a thorough review and recommendations on contracts, leases and other agreements to assess the adequacy of insurance, assumption of liability and other risk management issues. For purposes of RFPs, the broker will receive a draft of the RFP that is scheduled to be issued and will be asked to suggest how the insurance section should be worded. The broker will also need to advise if the indemnity and hold harmless provisions are adequately worded to protect the interests of the City. The broker should anticipate a consistent volume of these reviews and at times they may need to be completed the same day. Assistance on certificates of insurance will also be requested on an as-needed basis. Understood and agreed.

15. Special Events: The broker will be asked to comment and recommend what coverage requirements should be required of third parties requesting use of City owned property. In your response, please offer a narrative of your experience with various types of events and your methodology behind how you determine the types of coverages and limits that may be required. We understand this issue, and have a great deal of experience in dealing with it in its many variations. Most of our clients, being public entities, have a societal obligation to allow members of the public to use their facilities and grounds. Such use might be for special events, sporting events, parties, political meetings, commercial purposes, as well as a host of other reasons, and are usually outside of our clients’ normal scope of operations. In some cases, our clients might run a business enterprise and have tenants with commercial activity on our client’s site. Such uses create a potential for liability, which could result in monetary claims against our clients, who are the facilities and grounds owners. Since our clients tend to be self insured, this means that they (or their claims administrators) need to handle the claims, as well as pay for claims from their own funds. All of this comes at a direct cost to our clients, and we therefore recommend that our clients require facilities and grounds users to maintain liability insurance, as well as name our clients as Additional Insureds on such policies. Our recommended coverage requirements vary by situation, and are outside of the scope of this response, but such requirements can include General Liability, Liquor Liability, Workers Compensation, Auto Liability, Environmental Liability, Professional Liability, and many other specialty coverages that exist for a variety of business operations. We also recommend that our clients obtain indemnification and hold harmless agreements, as well as require waivers of subrogation, primary and noncontributory wording, and coverage for cross suits on their facilities users’ insurance. Most businesses typically have insurance, and complying with these requirements typically does not cost anything (or is at a nominal cost). However, for many non-business users, such as those holding a wedding at a City event hall, obtaining the required insurance for a one-time event could be costly, and inefficient. To deal with these cases, especially for low-hazard activities, we recommend our clients set up a TULIP (Tenant User Liability Insurance Program). Continued on the next page…


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F. ACKNOWLEDGMENTS / ADDENDUM 1 SCOPE OF SERVICES Subject to underwriting approval, TULIP is a “turn-key” solution where prospective facilities users log onto a website where they can price and purchase the insurance necessary to comply with the TULIP sponsor’s requirements. Once a user purchases coverage, using their credit card, the TULIP provider automatically forwards evidence of insurance to the sponsoring organization (e.g. the City), thus ensuring that the user has secured the required coverage, and allowing them to comply with the City’s requirements. Pros and cons of this approach include:

Pros Cons

• Cost effective

• Certainty as to coverage, and limits

• Staff does not need to explain coverage or review insurance documents

• Evidence come directly to TULIP sponsor, no need to request and follow up

• No cost to the sponsor (subject to approval)

• Not for all types of events

• Some events will require underwriting approval, and some will be excluded

• Typical exclusions are for athletic participants*, carnivals, certain types concerts, cycle events, fireworks, skateboarding, swimming and pool facilities, as well as others.

*TULIP is not intended to cover athletic participants. It is suggested that athletic events be allowed based on District-determined guidelines, and that the facility or grounds user provide Sports Accident Insurance to cover participant injuries.

Note: This is not an exhaustive coverage description. In the event of a loss the City must read the actual insurance policy.


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16. Loss Development: Broker is to support the City with resources for trending,

forecasting, and premium calculation and allocation in cooperation with actuarial services used by the City.

Understood and agreed. 17. Loss Prevention/Engineering Services: Review all insurance companies’ loss

prevention/engineering reports and provide the City with written recommendations for compliance within 30 days from the date the reports are issued by the companies. Represent the City’s position/interest concerning recommendations made by insurance companies and, if requested, conduct research and develop documentation to support the City’s position/interest.



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APPENDIX A – SCOPE OF SERVICE ACKNOWLEDGMENT

• Scope of Services from Section 3.2 of RFP ( A – K)

• Scope of Services from Addendum #1 (1 – 17)


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APPENDIX A – SCOPE OF SERVICE ACKNOWLEDGMENT 3.2 SCOPE OF SERVICES The selected vendor will provide a full range of services including but not limited to current insurance plan audit, risk identification, risk exposures, written analysis and recommendations. Specific responsibilities include but are not limited to the following: As needed, perform all professional services related to negotiating the best insurance premiums. Prepare summary reports with comparative analysis of all rates, coverage’s and service guarantees. A. Obtain and analyze periodic reports of claims and other pertinent information from

service providers. Identify claim trends and anomalies in a timely manner and prepare recommendations to the City on actions to be taken, if any. Understood and agreed.

B. Assist the City Manager in reviewing, processing and administering all tort claim issues. Assist the City with provide information on new laws, regulations and procedures in the area of administration. Understood and agreed.

C. Provide the Human Resources Director with reasonable preliminary renewal figures during the budget process. Understood and agreed.

D. Attend on request, City meetings, budget meetings, and other negotiation meetings, whenever necessary. Understood and agreed. We will attend and present in as many meetings as necessary to ensure complete understanding, and satisfaction with our services, and the City’s program.

E. The vendor ultimately selected through this RFP will be responsible for assisting the City with all aspects of its consulting/agent services and for the management of all aspects of the City’s insurance programs listed in No. 3.1 above. Understood and agreed.


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F. Identifying issues and exposures and negotiating on the City’s behalf with insurance

carriers; keeping the City informed of significant developments affecting its insurance coverage. The selected vendor as the City’s Agent shall be authorized to represent and assist the City in discussions and transactions with all insurance carriers, provided that the Agent shall not place any insurance on behalf of the City unless so authorized in writing by the City Understood and agreed.

G. Quarterly reviewing claims history with the City Manager. Understood and agreed.

H. Following up with insurance carriers for timely issuance of policies and endorsements. Understood and agreed.

I. Assist the City in ensuring that the contractual benefits/coverage are delivered and performed as agreed. Understood and agreed.

J. Reviewing policies and endorsements for accuracy and conformity to specifications and negotiated coverage. 1. All annual rate renewal reports shall include the following:

a) Executive Summary – include key findings and recommendations; (recommendations can include, in addition to rate actions, the removal of plans or corrective actions, recommendations or deletions of outdated policies, and revised programs.

b) Analysis of, claims trends and including methodology used for claims analysis and prediction trend.

c) Financial Projections – determination of past period to project need for renewal.

d) Presentation of Premium Rates.



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K. Evaluation of Proposed or Enacted Legislation. The Agent is expected to immediately advise the City of pending or enacted Federal and State legislation affecting the City. Upon the written request of the City, the Agent shall advise of the financial/administrative impact of State or Federal legislation on the U.C. and assist in the implementation of changes made necessary by such legislation.



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APPENDIX A – SCOPE OF SERVICE ACKNOWLEDGMENT ADDENDUM 1 SCOPE OF SERVICES Delete items 4, 5, 11 and 13 from Section 4 since employees benefits insurance is not part of this contract. Please add the following to the Scope of Services The following services and responsibilities may be included in the scope of broker’s assignment: 1. The selected broker, after award, will work closely with the City’s Risk Manager in risk

analysis, preparation of underwriting submissions/specifications, marketing, program design and carrier selection. It is expected that the insurance broker will be actively involved to ensure the proper coverage for whatever the program may require. Maintain contact with global insurance markets, which are interested, available, and qualified to provide insurance and loss prevention services to the City.

Understood and agreed. 2. Risk Management Policy Development: Support the City’s efforts in continual

development of Risk Management Policies. This would include: presentation of industry standard practices; assistance in development of policies that support the goals of the City toward use of local resources; innovation in the design of risk funding of the City toward the use of local resources; and assist in presentations to policy and decision making authorities. Inform the City of applicable Federal and State compliance legislation, legislative trends and issues, and necessary governmental filings.

Understood and agreed. Gallagher is not only a pioneer in risk management for self insured entities, but we are also a local resource, as our office is only a few miles away from the City.

3. Risk Assessment: Assist in the identification and evaluation of risk exposures the

City faces and provide support and coordination with actuarial efforts on behalf of the City. Assist in the determination of the level of risk retention that is appropriate and recommend proper limits and coverages for risks/exposures common to similar size cities.


4. Risk Control: Provide resources to assist Risk Management in development and

maintenance of a comprehensive risk control program which will adapt to variations in scope and level of governmental services offered by the City. Provide recommendations of loss control measures based on claims history prepared by the Risk Management Division.



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APPENDIX A – SCOPE OF SERVICE ACKNOWLEDGMENT 5. Risk Financing: Provide support to the City in development of risk financing plans

that enable the City to succeed in its overall financial planning and budgeting. Coordinate with actuarial efforts and provide comprehensive information on market conditions and trends. Support innovation in design of financing mechanisms.

Understood and agreed. 6. Marketing: No less than 90 calendar days prior to renewal of individual coverages,

meet with the City’s Risk Manager to present a marketing report. This report is to provide the City with: current program evaluation; marketing timetable; ratings of markets to be approached; broker recommendations and reasons; and anticipated rates and premium. Organize the presentation of the risk financing plan and exposures to the appropriate markets. Review the presentation plan and documents with the City’s Risk Manager for approval to proceed. Advise the City on methods of optimizing and developing high quality relationships with the markets as a trusted client. Negotiate best terms, rates and conditions. Monitor the financial condition of insurers, including their ability to pay claims promptly, and advise the City whenever any insurer is downgraded by any rating agency.

Understood and agreed. We highly recommend, and will coordinate face-to-face meetings

between the City’s Risk Manager, and the City’s existing and potential underwriters. As has been evident in recent years, when the market begins to harden, and coverage becomes scarce, long-term relationships pay off.

7. Insurance Proposals: Prior to submission, prepare a matrix of insurance proposals

received, to include an evaluation of coverage, limits and cost. Submit recommendations no less than 45 days prior to the policy expiration dates. Please confirm that you can adhere to these dates or advise as to exceptions.

Understood and agreed. We can adhere to these dates. 8. Policy Language: Be responsible for verification of policy language, checking for:

accuracy, appropriate form, compliance with requirements, proper application to risk, and client’s intended needs as specified. Provide expertise in the interpretation and preparation of manuscript insurance policy forms and endorsements.

Understood and agreed. 9. The selected broker will work with the City’s Risk Manager, to negotiate and purchase

the following insurances (but not limited to the following): Accidental Death and Dismemberment (Police and Fire only), Public Officials, Employment Practices Liability, All Risk Property & Terrorism, Blanket Crime, General Liability & Terrorism and Excess Workers’ Compensation Insurance. Provide the City with certain reports, at appropriate policy intervals, to include the following: loss reports and loss prevention programs/recommendations; insurance market trends and outlook; and risk retention recommendations and philosophy.



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APPENDIX A – SCOPE OF SERVICE ACKNOWLEDGMENT 10. Loss Management: Assist the City in proper management of information regarding

losses. Provide expert assistance in the settlement of major claims and losses. Serve as liaison between the City and the insurance carriers to assist in the timely and proper resolution of claims. Assist the City in periodic evaluation of claims handling and administration, and reserves for self-insured retentions. Comment and make recommendations regarding major losses incurred by the City during the previous and current policy periods.

Understood and agreed. 11. Billing: The City will only accept a flat fee.

Understood and agreed. 12. Annual Report: Broker is responsible for producing an annual report within 45 days

of the end of the fiscal year for the City. This report is to include: a schedule of policies in force, premiums, losses, commissions and fees earned or waived, developments and trends in the markets for these coverages; and proposals for change in the City’s coverages.


13. Availability: The account executive and team assigned to the City are to be able to

accommodate consultation on as-needed basis. Please offer information as to what can reasonably be expected for a turn-around time for phone calls and e-mails. Specifically advise as to who the City’s first point of contact will be and the resume/qualifications of that person.

We pledge to be available at any time that the City needs us.

The City’s first point of contact for all strategic and consultative matters will be Craig

Fainstein, Area Assistant Vice President (786-331-1260). If Craig is not available, the City will be able to contact Jori Van der Voort, Area Vice President (305-639-3116) (and vice versa). Craig and Jori will work as co-account executives for the City of North Miami Beach.

For day-to-day service issues such as issuing certificates of insurance, and other routine

requests, the City’s will be able to contact Jaymee Brown, Account Representative (786-331-1258).

Craig, Jori, and Jaymee will work together as a team to ensure that the City enjoys continuous and prompt service. We will strive to respond to the City on the same day, including immediately if possible, and the City will have our mobile phone numbers to reach us at any time, in the event of an emergency. Craig, Jori, and Jaymee’s resumes can be found on the following pages.


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Craig S. Fainstein, CPCU, ARM, ASLI, ARe

Area Assistant Vice President Account Executive

Craig is a member of Gallagher’s Public Sector Division and will share the overall responsibility for the City’s program. His expertise includes program design, marketing, consulting, self-insurance and account oversight. KEY RESPONSIBILITIES • Program design and self-insurance approaches • Review and quantify client exposures and characteristics • Work with the City to establish goals, strategies, marketing and renewal activities • Develop risk financing options to minimize client’s total cost of risk • Negotiate with carriers on behalf of the client • Compare program options and make recommendations • Draft and review policies and contracts to obtain the most favorable terms for the

client • Participate in renewal meetings, and other meetings as may be necessary EXPERIENCE • Over 20 years insurance industry experience • 7 years experience with Florida Public Entity clients • Placement of layered property programs in catastrophe prone areas • Placement of property and casualty insurance programs for large entities EDUCATION/CREDENTIALS / PROFESSIONAL DESIGNATIONS • Master of Business Administration– Nova Southeastern University • Bachelor of Arts, Economics – Florida International University • Chartered Property & Casualty Underwriter (CPCU) • Associate in Risk Management (ARM) • Associate in Surplus Lines Insurance (ASLI) • Associate in Reinsurance (ARe) • Licensed 2-20 Property & Casualty Agent (License #A080376) • Registered Professional Liability Underwriter (RPLU) program in progress AFFILIATIONS • PRIMA – National/Florida (former member, Education Committee) • RIMS – National/Florida • Chartered Property & Casualty Underwriters Society


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Jori L. Van der Voort, ARM

Area Vice President Account Executive








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Jaymee Brown

Account Representative Account Management




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14. Contract Review: Provide a thorough review and recommendations on contracts,

leases and other agreements to assess the adequacy of insurance, assumption of liability and other risk management issues. For purposes of RFPs, the broker will receive a draft of the RFP that is scheduled to be issued and will be asked to suggest how the insurance section should be worded. The broker will also need to advise if the indemnity and hold harmless provisions are adequately worded to protect the interests of the City. The broker should anticipate a consistent volume of these reviews and at times they may need to be completed the same day. Assistance on certificates of insurance will also be requested on an as-needed basis. Understood and agreed.

15. Special Events: The broker will be asked to comment and recommend what coverage requirements should be required of third parties requesting use of City owned property. In your response, please offer a narrative of your experience with various types of events and your methodology behind how you determine the types of coverages and limits that may be required. We understand this issue, and have a great deal of experience in dealing with it in its many variations. Most of our clients, being public entities, have a societal obligation to allow members of the public to use their facilities and grounds. Such use might be for special events, sporting events, parties, political meetings, commercial purposes, as well as a host of other reasons, and are usually outside of our clients’ normal scope of operations. In some cases, our clients might run a business enterprise and have tenants with commercial activity on our client’s site. Such uses create a potential for liability, which could result in monetary claims against our clients, who are the facilities and grounds owners. Since our clients tend to be self insured, this means that they (or their claims administrators) need to handle the claims, as well as pay for claims from their own funds. All of this comes at a direct cost to our clients, and we therefore recommend that our clients require facilities and grounds users to maintain liability insurance, as well as name our clients as Additional Insureds on such policies. Our recommended coverage requirements vary by situation, and are outside of the scope of this response, but such requirements can include General Liability, Liquor Liability, Workers Compensation, Auto Liability, Environmental Liability, Professional Liability, and many other specialty coverages that exist for a variety of business operations. We also recommend that our clients obtain indemnification and hold harmless agreements, as well as require waivers of subrogation, primary and noncontributory wording, and coverage for cross suits on their facilities users’ insurance. Most businesses typically have insurance, and complying with these requirements typically does not cost anything (or is at a nominal cost). However, for many non-business users, such as those holding a wedding at a City event hall, obtaining the required insurance for a one-time event could be costly, and inefficient. To deal with these cases, especially for low-hazard activities, we recommend our clients set up a TULIP (Tenant User Liability Insurance Program). Continued on the next page…


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Subject to underwriting approval, TULIP is a “turn-key” solution where prospective facilities users log onto a website where they can price and purchase the insurance necessary to comply with the TULIP sponsor’s requirements. Once a user purchases coverage, using their credit card, the TULIP provider automatically forwards evidence of insurance to the sponsoring organization (e.g. the City), thus ensuring that the user has secured the required coverage, and allowing them to comply with the City’s requirements. Pros and cons of this approach include:

Pros Cons

• Cost effective

• Certainty as to coverage, and limits

• Staff does not need to explain coverage or review insurance documents

• Evidence come directly to TULIP sponsor, no need to request and follow up

• No cost to the sponsor (subject to approval)

• Not for all types of events

• Some events will require underwriting approval, and some will be excluded

• Typical exclusions are for athletic participants*, carnivals, certain types concerts, cycle events, fireworks, skateboarding, swimming and pool facilities, as well as others.

*TULIP is not intended to cover athletic participants. It is suggested that athletic events be allowed based on District-determined guidelines, and that the facility or grounds user provide Sports Accident Insurance to cover participant injuries.

Note: This is not an exhaustive coverage description. In the event of a loss the City must read the actual insurance policy.


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16. Loss Development: Broker is to support the City with resources for trending,

forecasting, and premium calculation and allocation in cooperation with actuarial services used by the City.

Understood and agreed. 17. Loss Prevention/Engineering Services: Review all insurance companies’ loss

prevention/engineering reports and provide the City with written recommendations for compliance within 30 days from the date the reports are issued by the companies. Represent the City’s position/interest concerning recommendations made by insurance companies and, if requested, conduct research and develop documentation to support the City’s position/interest.



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APPENDIX B – COMPLETED REFERENCE QUESTIONNAIRES

On the following pages we are pleased to present completed reference questionnaires from the following Public Entity Clients: • City of Riviera Beach. • City of Miami Beach • Clay County School District • Lake County Board of County Commissioners • Polk County Board of County Commissioners In addition, we invite the City of North Miami Beach to contact any and all of the additional references listed under question D6 of this response.


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APPENDIX C – ADDITIONAL GALLAGHER INFORMATION

• Representative Public Sector Client List • The Gallagher Way


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Representative Florida Public Sector Client List Below is a representative list of our Florida clients. No other broker handles more individually self-insured public sector programs than Gallagher, and we can put this experience to work for the benefit of the City of North Miami Beach.

Cities, Towns, and Villages • City of Boca Raton • City of Boynton Beach • City of Clearwater • City of Coral Gables • City of Daytona Beach • City of Deerfield Beach • City of Delray Beach • City of Hallandale Beach • City of Hialeah • City of Key West • City of Lakeland • City of Miami Beach • City of Miramar • City of North Miami • City of Orlando • City of Pembroke Pines • City of Pompano Beach • City of Riviera Beach • City of Sunrise • City of West Palm Beach • City of Winter Haven

Florida County Boards of Commissioners

• Broward County Board of Commissioners • Brevard County Board of Commissioners • Hillsborough County Board of

Commissioners • Indian River County Board of

Commissioners • Lake County Board of Commissioners • Miami-Dade Board of County

Commissioners • Monroe County Board of Commissioners • Orange County Board of Commissioners • Osceola County Board of Commissioners • Palm Beach County Board of

Commissioners

Florida County Boards of Commissioners (Continued)

• Pasco County Board of Commissioners • Pinellas County Board of Commissioners • Polk County Board of County Commissioners • Putnam County Board of Commissioners • Seminole County Board of Commissioners • Volusia County Board of Commissioners

Members of the Florida Housing Authority Risk Management Pool

• Avon Park Housing Authority • Bradenton Housing Authority • Brevard County Housing Authority • Cocoa Housing Authority • Daytona Beach Housing Authority • Melbourne Housing Authority • New Smyrna Beach • Ocala Housing Authority • Palatka Housing Authority • Plant City Housing Authority • Sanford Housing Authority • Smyrna Beach Housing Authority • Suwannee Housing Authority • Tallahassee Housing Authority • Tarpon Springs Housing Authority • Titusville Housing Authority

Other Authorities, Districts • Broward County Housing Authority • Charlotte County Airport • City of Naples Airport Authority • Florida Keys Aqueduct Authority • Gainesville - Alachua County Regional

Airport Authority • Greater Orlando Aviation Authority • Hillsborough County Aviation Authority • Lee County Port Authority • Manatee Port Authority

Other Authorities, Districts (Continued) • Metro Dade Transit Authority • Monroe County Housing Authority • New Smyrna Beach Utilities

Commission • North Brevard County Hospital District • Orange County Library Systems • Orlando-Orange County Expressway

Authority • Palm Tran Transit Authority • Sarasota Manatee Airport Authority • South Florida Water Management

District • The Housing Authority of the City of

Key West Florida Florida Public School Districts

• Baker County School District • Bradford County School District • Brevard County School District • Broward County School District • Clay County School District • Columbia County School District • Dixie County School District • Duval County School District • Escambia County School District • Flagler County School District • Florida Virtual School • Gilchrist County School District • Hernando County School District • Lake County School District • Levy County School District • Marion County School District • Miami-Dade County School District • Monroe County School District • Nassau County School District • Osceola County School District • Putnam County School District • Seminole County School District • Union County School District


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THE GALLAGHER WAY

In 1984, Robert Gallagher, our company’s chairman, penned “The Gallagher Way”: our shared values, which we have cited throughout this response. These shared values are what set us apart from others in our business, and result in a higher level of client service. We are proud to share them with the City of North Miami Beach.

The Gallagher Way

1. We are a Sales and Marketing Company dedicated to providing excellence in Risk Management Services to our clients.

2. We support one another. We believe in one another. We acknowledge and respect the ability of one another.

3. We push for professional excellence. 4. We can all improve and learn from one another. 5. There are no second-class citizens – everyone is important and everyone's job is

important. 6. We're an open society. 7. Empathy for the other person is not a weakness. 8. Suspicion breeds more suspicion. To trust and be trusted is vital. 9. Leaders need followers. How leaders treat followers has a direct impact on the

effectiveness of the leader. 10. Interpersonal business relationships should be built. 11. We all need one another. We are all cogs in a wheel. 12. No department or person is an island. 13. Professional courtesy is expected. 14. Never ask someone to do something you wouldn't do yourself. 15. I consider myself support for our Sales and Marketing. We can't make things happen

without each other. We are a team. 16. Loyalty and respect are earned – not dictated. 17. Fear is a turn-off. 18. People skills are very important at Arthur J. Gallagher & Co. 19. We're a very competitive and aggressive Company. 20. We run to problems – not away from them. 21. We adhere to the highest standards of moral and ethical behavior. 22. People work harder and are more effective when they're turned on – not turned off. 23. We are a warm, close Company. This is a strength – not a weakness. 24. We must continue building a professional Company – together – as a team. 25. Shared values can be altered with circumstances – but carefully and with tact and

consideration for one another's needs

When accepted Shared Values are changed or challenged, the emotional impact and negative feelings can damage the Company. Robert E. Gallagher - May 1984.

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