Property, Casualty and Workers Compensation Insurance Services

The Vendor is required to provide property, casualty, and workers’ compensation insurance coverage, together with all ancillary services necessary to support the county’s insurance and risk management program.
- Requirement:
1. Property coverage (all-risk)
• Physical loss or damage to buildings, structures, contents, and other real and personal property
• Business interruption, including loss of revenue, rental income, tax interruption, and extra expense
• Construction-related exposures, including builder’s risk-type coverage, soft costs, and delay-related losses
• Debris removal, demolition, and increased cost of construction to comply with applicable codes and ordinances
• Off-premises utility and service interruption coverage
2. Crime coverage
• Theft, fraud, embezzlement, and other related dishonest acts
• Coverage shall be subject to policy terms, conditions, and exclusions
3. General liability coverage
• Bodily injury and property damage
• Personal and advertising injury
• Defense of claims and lawsuits arising from covered occurrences
4. Automobile liability coverage
• Liability arising from the ownership, maintenance, and use of owned, leased, or non-owned vehicles
• Physical damage coverage for county-owned vehicles
5. Public official’s errors and omissions (E&O)
• Coverage for wrongful acts, errors, omissions, and administrative decisions
• Employment-related wrongful acts, including but not limited to personnel actions
6. Employee benefits liability
• Enrollment, eligibility, and recordkeeping errors
• Communication and interpretation of benefit plans
7. Workers’ compensation coverage
• Statutory workers’ compensation benefits for self-insured members
• Employers’ liability coverage
• Other states coverage, as applicable
8. Claims handling and administration
• Receipt, investigation, and processing of all claims
• Payment of covered claims on behalf of the county
• Utilization of a qualified third-party administrator, identified as davies, or an equivalent approved entity
9. Legal defense services
• Duty to defend the county against covered claims and lawsuits
• Investigation, negotiation, and settlement of claims
• Payment of defense costs, subject to policy terms and limits
10. Risk financing and excess coverage structure
• Excess insurance coverage above established self-insured retentions or deductibles
• Coordination with reinsurance and excess insurance layers to ensure adequate protection
11. Loss control and risk management
• Requiring the county to exercise due diligence in preventing losses
• Conducting inspections, audits, and verification of property values and exposures
• Providing recommendations to reduce or mitigate risk
12. Subrogation and recovery services
• Pursuit of recovery from responsible third parties following claim payments
• Coordination of recovery efforts to reduce overall claim costs
13. Arbitration and dispute resolution
• Procedures for resolving claim valuation disputes
• Arbitration mechanisms as outlined in the policy or agreement.