Workers Compensation and Auto Liability Insurance Broker Services

The Vendor is required to provide marketing and program support services for agency workers compensation and commercial auto liability insurance programs.
- Provide information relative to their ability to contribute to agency efforts including, but not limited to, each of the following program elements described below (broker services, administrative services, claims management, transitional and return to work programs and other services/program elements).
- Broker shall be authorized to represent and assist agency in all discussions and transactions with insurers, provided that the broker shall not place any insurance on behalf of agency unless authorized to do so in writing by agency.
- Identify issues and exposures, potential gaps in coverage and potential program improvements. 
- As appropriate, bring those to the attention of agency.
- Negotiate with insurers on behalf of agency and keep agency informed of significant developments resulting from those negotiations on a timely basis.
- Provide coverage summaries for all newly placed or renewed policies, along with updates explaining any changes to existing coverage.
- Review policies and endorsements for accuracy and conformity to specifications and negotiated coverages.
- Keep agency informed with written reports of significant changes and/or trends in the insurance marketplace and provide agency with an annual forecast of market conditions.
- Monitor published financial information of agency current insurers and alert agency when the status of one or more of those insurers falls below minimum financial guidelines.
- As requested, provide a status report summarizing the services provided to date, plans for additional service going forward and any recommendations for the overall program.
- Approximately 120 days prior to policy expiration, present a recommended plan for program renewal/marketing, including timelines and assignments.
- In the event of any questions regarding the interpretation of the insurance policy placed by the broker, at agency request the broker will represent agency in any discussions with the insurance carrier.
- Meet as necessary with agency staff, designated by agency director, insurance to discuss strategy and open items.
- Assign a dedicated claim representative to act in the capacity of a consultant to agency and as a liaison between agency, the insurance carrier’s claim representative/adjuster and attorneys.
- Consult with agency regarding claim reporting and handling procedures and offer recommendations to improve those procedures as necessary based on state/federal law and industry best practices.
- Claims Management
•    Provide complete claims handling and adjustment services of all losses, including initial and ongoing investigation, medical and litigation direction, ongoing supervisory oversight, including cost control efforts through final claim resolution.
•    Develop, implement and maintain a claim plan of action including a resolution plan for each claim incurred, including claims which do not result in lost time or permanent disability.
•    Provide primary claims case management services including timely payment of medical/indemnity and settlement expenses.
•    Promptly establish, monitor and periodically adjust claim reserves in consultation with agency director, insurance through the life of each claim including adequate and appropriate analyses of all reserves changes.
•    Properly document and handle defense of all claims considered non-compensable; assist and advise agency legal department.
•    Provide services of nurse case managers and other appropriate medical personnel to advocate for appropriate courses of medical treatment/therapy for injured employees (workers’ compensation only).
•    Analyze/evaluate options for settlement and recommend appropriate courses of action to agency, including rationale for the recommendation.
•    Manage all aspects of reporting to agency workers’ compensation board (workers’ compensation only).
•    Conduct medical bill reviews to achieve maximum cost savings for the program (workers’
•    Compensation only).
•    Provide access to preferred provider networks and advise agency and injured employees in the best use of these networks (workers’ compensation only).
•    Provide telephonic and electronic claims reporting systems.
•    Provide electronic access to claims status/management systems. 

- Contract Period/Term: 3 years
- Questions/Inquires Deadline: August 27, 2025