Interoffice Memorandum
DATE: February 26, 2026
TO: Mayor Jerry L. Demings and County Commissioners
FROM: Carrie Mathes, FNIGP, CFCM, NIGP-CPP, CPPO, C.P.M., Manager II, Procurement Division
CONTACT: Susan Martin, Assistant Manager, Risk Management Division
PHONE: 407-836-9639
SUBJECT: Approval to Purchase All Lines of Commercial Insurance Coverage
ACTION REQUESTED:
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Approval to Purchase All Lines of Commercial Insurance Coverage, with Arthur J. Gallagher Risk Management Services, Inc., for premiums not-to-exceed $5,353,500. ([Administration and Fiscal Services Department Risk Management Division] Procurement Division)
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PROCUREMENT:
This approval will facilitate the purchase of renewal policies of all-lines of commercial insurance for the Board of County Commissioners, Clerk of the Circuit and County Courts, Property Appraiser, Tax Collector, Comptroller, Supervisor of Elections, and the Orange Blossom Trail Development Board (workers’ compensation only). Arthur J. Gallagher will serve as agent with insurers as yet to be determined for policies with effective dates of April 1, 2026 through March 31, 2027.
FUNDING:
Funding is available in account number 5510-025-0328-3350.
APPROVALS:
The Risk Management Committee and the Risk Management Division concur with this recommendation.
REMARKS:
On December 15, 2020, the Board selected Arthur J. Gallagher Risk Management Services, Inc. to provide insurance broker and consultant services to the County for a 3-year term with two one-year renewals. This contract was extended for six months, ending on June 17, 2026.
This request will allow Risk Management and Arthur J. Gallagher Risk Management Services, Inc. to participate in ongoing negotiations with insurance carriers up to March 31, 2026 to achieve optimum coverage and pricing. The Risk Management Committee has given their approval of the not-to-exceed amount of $5,353,500 of premium (in accordance with the intergovernmental self-insurance agreement adopted by the Board on August 6, 1997).
Arthur J. Gallagher Risk Management Services, Inc.’s pricing is reasonable as the requested not-to- exceed amount represents a 13.23% decrease in the authority that was requested for the previous policy year.
Lines of Commercial Insurance Coverage:
Commercial Property including Equipment Breakdown, Inland $4,800,000
Marine and Stand-Alone Terrorism
Cyber Liability & Extortion $ 461,000
Corporate Counsel Liability $ 25,000
Commercial Crime (year 3 of 3) $ 13,000
Neighborhood Services Grant Liability* $ 20,000
Environmental Liability Policy (additional tanks & acquisitions $ 30,000
Corrections Accidental Death & Dismemberment** $ 2,000
International Travel Insurance $ 2,500
Total $5,353,500
* The premium for the Neighborhood Services grant policy is paid from the General Fund
** The premiums for the Corrections AD&D policies are paid from the General Fund