Insurance Brokerage Services

The vendor required to provide insurance brokerage services for property and casualty insurance services.
- Insurance program management
•    Property insurance
•    General liability
•    Automobile liability and physical damage
•    Workers’ compensation
•    Cyber liability
•    Public officials and employment practices liability
•    Inland marine
•    Crime and fidelity
•    Excess and umbrella liability
- The consultant shall also market, negotiate, place, and manage ancillary and specialty coverages as needed, including but not limited to:
•    Pollution and environmental liability
•    Drone and unmanned aircraft systems (UAS) liability
•    Storage tank and environmental coverage
•    Liquor liability
•    Recreation and parks-related insurance
•    Special events coverage
•    Volunteer accident coverage
•    Bonds and other specialty or emerging coverages
- Coverage analysis and program review
•    Review of all policies, endorsements, limits, deductibles, sublimit, and exclusions
•    Analysis of premiums, rating methodologies, loss history, and cost allocation practices
•    Review of exposure data, including payroll classifications, experience modification factors, fleet schedules, and property schedules
•    Review of prior premium audits and experience rating data, including assistance with corrections or appeals
•    Review of open and closed claims, including reserve adequacy
•    Identification of coverage gaps, overlaps, and inconsistencies
•    Evaluation of coverage limits and sublimit relative to county exposures
•    Identification and quantification of potential uninsured or underinsured loss scenarios
•    Provision of benchmarking data from comparable public sector entities
- Marketing and placement of insurance
•    Soliciting competitive proposals from qualified insurance carriers
•    Preparing and coordinating underwriting submissions
•    Providing a detailed marketing summary identifying carriers approached, responses received, and declinations
•    Performing comparative analysis of coverage, pricing, limits, deductibles, and terms
•    Negotiating coverage terms to obtain the most appropriate coverage available in the marketplace
•    Ensuring timely binding of coverage and issuance of all policies, endorsements, certificates, and evidence of insurance
•    Verifying the financial strength and stability of insurance carriers and advising the county of any concerns
•    Reviewing all policies and endorsements for accuracy and compliance
- Ongoing insurance services
•    Coverage interpretation and insurance-related consultation
•    Assistance with policy changes, endorsements, and certificates of insurance
•    Maintenance of accurate insurance documentation and records
•    Support to county departments for insurance requirements related to contracts, grants, leases, and special events
•    Monitoring renewals and compliance requirements to prevent coverage lapses
•    Coordination of property appraisals or valuations as needed
•    Availability during emergencies or incidents impacting county operations
•    Coordination with carriers, third-party administrators, and county staff to resolve service or billing issues
•    Monitoring carrier financial condition and advising the county of rating changes or financial concerns
- Risk management and loss control services
•    Assignment of a dedicated claims advocate
•    Assistance with claims intake and documentation
•    Periodic claims reviews, reserve evaluations, and closure strategies
•    Support for subrogation and recovery efforts
•    Coordination or support of investigative resources in cases involving suspected fraud
•    Guidance on workers’ compensation best practices and return-to-work programs
•    Quarterly claims review meetings
- Risk transfer and contract support
•    Review of contracts, leases, permits, and agreements for insurance and indemnification provisions
•    Guidance on insurance implications for county projects and capital improvements
•    Evaluation and recommendation of insurance requirements based on exposure type
•    Ongoing support for ad hoc risk transfer and insurance-related inquiries
- Reporting and communication
•    Comprehensive stewardship reports summarizing insurance program performance, claims activity, and trends
•    Participation in meetings with county leadership as requested
•    Timely communication regarding emerging risks, market conditions, and regulatory changes
•    Maintenance of a clear escalation process for urgent issues
- Strategic planning and advisory services
•    Analysis of insurance market trends aligned with the county’s budgeting process
•    Advisory support for major county initiatives, expansions, or operational changes.