Loading...
Brown & Brown Northwest ~ C190060City of Tigard RFP – Insurance Agent of Record RFP - Insurance Agent of Record Presented by: 2701 NW Vaughn St, Ste. 340, Portland, OR 97210 City of Tigard City of Tigard RFP – Insurance Agent of Record Page | 2 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. TABLE OF CONTENTS TABLE OF CONTENTS .............................................................................................................................. 2 TRANSMITTAL LETTER .......................................................................................................................... 3 PROPOSAL CERTIFICATIONS ................................................................................................................. 4 SIGNATURE PAGE .................................................................................................................................... 5 ATTACHMENT A ....................................................................................................................................... 6 ATTACHMENT B ....................................................................................................................................... 7 FIRM AND TEAM QUALIFICATIONS ..................................................................................................... 8 SERVICE UNDERSTANDING AND APPROACH ................................................................................. 13 FEE STRUCTURE ..................................................................................................................................... 14 ADDITIONAL SERVICES ........................................................................................................................ 15 City of Tigard RFP - Insurance Agent of Record Page | 3 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. TRANSMITTAL LETTER Mr. Joe Barrett Sr. Management Analyst City of Tigard 13125 SW Hall Blvd Tigard, OR 97223 Re: RFP – Insurance Agent of Record Dear Mr. Barrett: Enclosed, please find our response to the above referenced RFP. Our team has successfully served as the Insurance Agent of Record for the City of Tigard for over two decades. We are proud to have served in this capacity and are grateful for the City’s business over these years. Our familiarity with the City and knowledge of historical issues is unparalleled. We have reviewed the Scope of Services as outlined in the RFP document and agree to provide all the services detailed, as we have over the years. Additionally, our firm meets/exceeds all the Minimum Requirements listed in Section 4 of the RFP document. Brown & Brown agrees to perform the services within the time periods specified, starting and completing the projects within the deadlines as stated in the RFP. Ron Cutter is fully authorized to represent Brown & Brown in this proposal response. Ron’s contact information is as follows: Ron Cutter Sr. Vice President/ Public Sector Practice Leader Brown & Brown NW 2701 NW Vaughn Street; Suite 340 Portland, OR 97210 P: (503) 219-3270 F: (503) 914-5470 We have purposely left the answers to the City’s questions concise in order to comply with the 15 -page limitation. Please let us know if any clarification or additional detail is needed by your evaluation committee. Sincerely, Ron Cutter Sr. Vice President/ Public Sector Practice Leader City of Tigard RFP - Insurance Agent of Record Page | 4 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. PROPOSAL CERTIFICATIONS City of Tigard RFP - Insurance Agent of Record Page | 5 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. SIGNATURE PAGE City of Tigard RFP - Insurance Agent of Record Page | 6 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. ATTACHMENT A City of Tigard RFP - Insurance Agent of Record Page | 7 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. ATTACHMENT B City of Tigard RFP - Insurance Agent of Record Page | 8 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. FIRM AND TEAM QUALIFICATIONS a. Background of the firm. This should include a brief history of the firm and types of services the firm is qualified to perform. Brown & Brown Northwest (BBNW) has served Oregon’s public entities for over half a century. Brown & Brown is a national leader in government insurance, with roughly $3.2 billion in public sector insurance premiums written since 1940. Our current Oregon public entity premium volume is over $36.5 million, making our firm Oregon’s largest provider of Agent of Record services to the public sector. Additionally, we are the largest “CIS” agent in the state, giving us considerable leverage and influence with the City’s current insurer. Brown & Brown’s business model is one of “decentralization”, meaning each office group works autonomously from the others. BBNW has office groups in Portland, Bend, Medford, Vancouver and Longview. We view the decentralized business model as a distinct advantage; while we have the strength and resources of a national company, we operate locally so we can be nimble in our decisions. b. Qualifications of the firm in performing this type of work. This should include examples of related experience and references for similar studies and projects. Our qualifications run deep with not only Oregon public entities, but specifically with the City of Tigard. Ron Cutter has been the City’s point person since 2001 and we are proposing he continue to serve in that role. Over the years, we have been involved in maneuvering large claims, review of contracts for the 35-year water supply program as well as the Industrial Core development project, analyzing insurance program modifications, evaluation of self-insurance and much more. Some of our specific qualifications as Agent of Record are as follows: • Our relationship with markets insuring public entities in Oregon, and specifically City County Insurance Services (CIS) is unmatched. As previously stated, we are the largest CIS agent in Oregon, currently representing over 40 CIS members as Agent of Record. Our volume of business gives us significant negotiating leverage in not only underwriting issues but also claim resolutions. • Our risk management consultants have experience in addressing risk related issues common to Oregon public entities. Our risk management training modules are specific to those common issues. Our risk services are not meant to replace those provided by CIS, rather augment their services to provide the City the best combination of resources. • Due to our familiarity with the CIS program, we are much more efficient than any other agency in the state. • Based on our volume of business in the public sector, we have access to markets other agencies do not. Specifically, BBNW has access to the APIP (formerly PEPIP) property program. The APIP program is the broadest property coverage form available in the marketplace, with very competitive pricing and significant capacity. City of Tigard RFP - Insurance Agent of Record Page | 9 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. • Our firm is one of the largest “SAIF” agencies in Oregon. While the City does not currently do business with SAIF, we are recommending the City consider them as a workers’ compensation alternative. While we believe CIS provides a great WC product, there may be premium savings in looking at alternatives. Our public-sector practice is handled by our “team”. Each member of our team focuses nearly 100% on government entities. If we are fortunate enough to continue being Agent of Record for City of Tigard, the primary team will be Ron Cutter, Tim Clarke and Cathi Pham as it has been for years. Additionally, we have added two new team members in Geoff Sinclair and Renee Spisak. You can find more about Geoff and Renee below. Wile they are new to our team, they are very “seasoned” professionals. c. Proposers must identify the anticipated members of their firm that will be assigned to meet the City’s needs. Proposers should identify individuals and subcontractors who will provide the services, their experience, and their individual qualifications. Pertinent resumes of assigned personnel should be included. BBNW is proposing the same team that has been serving the City for many years in Ron Cutter, Tim Clarke and Cathi Pham. These individuals are familiar to the City already. Additionally, we have added Geoff Sinclair and Renee Spisak. Their roles are described below; however, we are particularly excited to have added Geoff to our team. He comes to us from SDAO/PACE where he worked for 20 years, most recently in a significant leadership role. His familiarity of all things related to risk pooling will be a great asset to all our customers. Below is a list of team members and their respective roles being proposed to the City: Team Member Role Ron Cutter Ron is the Public Sector Practice Leader and will have the primary responsibility of servicing the needs of City of Tigard. Tim Clarke Tim is the Director of Claims and Risk Management. Tim will be responsible for all claims and risk services provided to the City of Tigard. Cathi Pham Cathi will work closely with Ron in providing day-to-day services for the property/liability/auto lines of coverage for the City of Tigard. Michaelene Thomas Michaelene is our Team Lead and will back up Cathi to ensure prompt service for the City of Tigard. Geoff Sinclair Geoff has over 20 years’ experience in litigation management and risk pool operations and will be backing up Ron to ensure prompt service to the City. Renee Spisak Renee is our Workers Compensation Specialist. She will be responsible for working with Ron in providing all services related to Workers Compensation. City of Tigard RFP - Insurance Agent of Record Page | 10 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. Ron Cutter, AIC, ARM Phone: 503.219.3270 Sr. Vice President/ Public Sector Practice Leader Email: RCutter@bbnw.com Ron began his insurance career in 1990 with Grocers Insurance Group in the claims department. Ron acted as claims adjuster, claims supervisor and claims manager in his role at Grocers Insurance Group. In 1996, Ron moved to the Portland office of AON, a Chicago based national brokerage company, to assist in claims settlement and advocacy on national accounts including Nike, Willamette Industries and several public and private sector large accounts. Ron joined Brown & Brown NW in 1999 as claims manager and quickly gravitated to the public sector and his role is to work on strategic customer service issues, coverage issues, claims issues and market supply creation issues. Ron directly services nearly all public sector clients - both large and small. Ron’s practice specialty is property and casualty insurance programs/risk management for Oregon’s public sector. Currently, Ron directly handles the needs of over 90 public sector clients and is the Practice Leader for our Public Sector practice. Ron graduated from Oregon State University with a Bachelor of Science in Business and Behavioral Science. He also has the following professional designations: Licensed Agent in Oregon, Washington, Arizona, Colorado and Nevada as well as has his Associate in Claims (AIC) and Associate in Risk Management (ARM). Ron is a past president of the Oregon School Safety Association, current member of the Clackamas Community College Foundation Board and has been a speaker at AGRIP, PRIMA and OASBO conferences. “We have been consistently impressed by the level of service we receive from Ron Cutter and his team at BBNW. When we switched agents several years ago, we didn’t quite know what to expect. What we got is excellent customer service. Their level of expertise in the field with local governments combined with their commitment to customer service is outstanding. – Jean Ripa, Columbia County Director of HR City of Tigard RFP - Insurance Agent of Record Page | 11 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. Tim Clarke, CPCU, AIC, MLS Phone: 503.219.3223 Sr. Vice President/Director of Risk and Claims Services Email: TClarke@bbnw.com Tim Clarke, MLS, CPCU, AIC, Senior Vice President at Brown & Brown NW, has 30 years of insurance, claims and risk management experience including handling large accounts, insurance company claims management, insurance agency claims and risk management and law enforcement. Tim oversees the risk management services for Brown & Brown NW and would serve in that capacity. His team provides training & consulting services to a broad spectrum of clients and helps them to position themselves to successfully manage their risks. A graduate from Portland State University School of Business, Tim is also a graduate from the Sandra Day O’Conner’s School of Law at Arizona State University where he obtained is Master of Legal Studies. Professional Designations and Licenses: • Chartered Property and Casualty Underwriter, American Institute of AICPCU/AII • Associate degree in Insurance Claims, American Institute of AICPCU/AII • Licensed Agent and Consultant in OR • Licensed Agent in WA, CA & NV Geoff Sinclair, ARM Phone: 503.790-9364 Vice President / Producer & Account Executive Email: GSinclair@bbnw.com Geoff would be a backup to both Ron and Tim should the need arise. He began his insurance career in 1996 with Self-Insured Management Services in the claims department. Geoff acted as claims adjuster and claims supervisor in his role handling accounts for CIS, SDAO, Fred Meyers/Kroeger, Portland General Electric, Thrifty/Payless and the Archdiocese of Portland in Oregon. In 2002, Geoff moved “in house” to SDAO where he was later named the Director of Claims/Litigation and PACE Services. In this role, he managed the claims office for SDAO and all contracted services for Property Casualty Coverage for Education Risk Pool (PACE). In 2017, Geoff joined Ron Cutter and the Brown and Brown NW team as a producer. His specialized experience in the public entity sector provides him with a unique ability to represent and provide his clients with the best options available along with sound, real world advice. He also is an accomplished public speaker having given educational talks on subjects ranging from Litigation Management, Oregon Torts and Law, Safety and Security, Risk Management, Customer Service in the Public World, and Drones along with many others. Geoff’s passion lies in helping those in the public sector to be successful as they navigate the narrow and difficult path of efficiency, regulation and transparency. Geoff graduated from Willamette University with a Bachelor of Science in Business Economics. He also has the following professional designations: Licensed Agent in Oregon and Washington as well as has his Associate in Risk Management (ARM). Geoff is an associate board member of the Oregon School Safety Officers Association and the past Board Chair for the Make A Wish Foundation of Oregon. He currently sits on the Make A Wish Foundation Ambassador Board. Geoff is a frequent speaker at OASBO, OSSOA, OFSMA, SDAO, PACE, OFCA, OWRC and Colorado Special Districts Association. City of Tigard RFP - Insurance Agent of Record Page | 12 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. Cathi Pham, CIC, CISR Phone: 503.219.3266 Account Manager Email: CPham@bbnw.com Cathi will continue to serve as the Account Manager for the City, handling the day to day activities, as she has for many years. She is a licensed Property & Casualty agent in Oregon, with over ten years of experience in the insurance industry. She began her career in accounting and has moved on to specialize in insurance programs for governmental accounts. Currently, she focuses on providing great service to our clients, by managing day- to-day services, including involvement in the marketing and renewal process for property, liability, auto and workers’ compensation lines of coverage. Born and raised in Oregon, Cathi graduated from Portland State University with a Bachelor of Science Degree in Business Administration, with majors in Finance and Marketing. She also holds her Certified Insurance Counselor (CIC) and Certified Insurance Service Representative (CISR) designations. She is currently working towards her Certified Risk Manager (CRM) designation. Renee Spisak, SIP, WCCA Phone: 503.790.9335 Workers Compensation Specialist Email: Rspisak@bbnw.com Renee has over 12 years of combined experience in Workers’ Compensation. Renee began her career in Workers’ Compensation in 2006 as Workers’ Compensation Coordinator for a large retail company. Renee obtained her certifications and began adjusting Workers’ Compensation Claims in 2011. She has experience working for insurance carriers and Third-Party Administrators. Renee has over 10 years of related experience handling all aspects of Workers Compensation, including extensive knowledge of Workers Compensation rules and regulations, technical knowledge of statutory regulations, Labor Code and Litigation. Renee has handled Workers Compensation claims for various large and small accounts including retail, manufacturing, hospitality, and agriculture. Renee’s areas of expertise are early claims resolution, reserves, litigation and medical terminology as well as claims cost containment and aggressive medical and legal oversight. Renee’s certifications include Oregon Workers’ Compensation Claims Certificate, Worker’s Compensation Claims Associate’s Designation, California Self Insurance Administrators Certificate and Experienced Claims Examiner Designation. City of Tigard RFP - Insurance Agent of Record Page | 13 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. SERVICE UNDERSTANDING AND APPROACH Proposers should provide the City with information regarding their understanding of the City’s needs with regards to the Scope and Schedule of Work. Proposers should demonstrate a general understanding of the needs of a municipality in the State of Oregon from an Insurance Agent of Record and risk man agement support firm. As part of their service understanding documentation, Proposer’s should address their availability to meet the City’s needs. As in the past, all services identified in the City’s RFP under your “Scope of Services” section will be prov ided as part of our service offerings within the proposed fee. Additionally, an extensive list of our Risk Management, Workers’ Compensation and Training services are included in this proposal and are included for our customers within our “Internal Service Plan” business model. Our annual plan will be built based on the information outlined in our Menu of Services. Our service offerings are robust and inclusive. Additionally, we are able to offer a self-insured feasibility study conducted by an actuary to determine if self-insurance is an option for the City. We have conducted this study in the past and at that time, it was determined self-insurance was not a good option. However, we are happy to offer this analysis again and as before, at no additional cost. Our method of providing services is centered around our Service Plan. Our respective teams would get together and customize a service plan specifically for the City of Tigard. Historically, we have met with the City of Tigard’s risk management team quarterly to review and execute the items detailed on the Service Plan. We would recommend this process continue should we be fortunate enough to retain the City’s business. Brown & Brown NW seeks to be more than just a vendor to the City of Tigard. Our desire is to weave into the fabric of the City, interacting with City staff, Council and Committees alike. We regularly attend and participate in Council meetings as well as Committee meetings for our Public Sector clientele. The City has a new Mayor and other elected officials. Occasionally, our city customers will have us meet with new elected officials to review the insurance program. We would love to do this if the City felt it was beneficial. As the leading provider of Agent of Record services to public entities in the state, we understand that municipalities are pushed and pulled in many different directions. Risks are significant (police, for example) and many times, risk “avoidance” is not possible. As such, we understand that assisting our city partners in minimizing risk is vital. We do this through regular meetings to have a firm understanding your needs and which of our broad list of risk service offerings to build out our Service Plan. Some of the cities our team is servicing as agent of record include: City of Tualatin City of Springfield City of Hillsboro City of West Linn City of Corvallis City of Troutdale City of Milwaukie City of Eugene City of Medford City of Oregon City City of Salem City of Fairview City of Gresham City of Bend City of King City City of Beaverton City of Redmond City of Prineville City of Tigard RFP - Insurance Agent of Record Page | 14 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. Based on our background of serving Oregon’s cities, we have a very good understanding of the project. We have thoroughly reviewed the Scope of Work and agree to provide all services requested. FEE STRUCTURE The proposed fee structure should include the complete breakout for the firm’s costs to provide all of the services under the subsequent contract. BBNW would consider this information “proprietary” and would ask that the information below not be shared. All the services proposed in this document are contemplated in the following fee structure. Our fee proposal also includes one self-insured feasibility study (should the City decide to consider that again). CIS pays “commissions” to agents in the amount of 10% for property liability lines of coverage and 5% for workers’ compensation for the CIS members that choose to compensate their agents in this manner. Brown & Brown NW has historically been compensated on a flat fee with the City of Tigard rather than commission, providing a significant discount over standard commission rates. If Brown & Brown NW were compensated by commission, our income would be as follows: Property Casualty $50,800 (10% of property/liability premiums) Workers Comp $18,350 (5% of work comp standard premiums) Total $69,150 Based on our long-standing history with the City of Tigard, we are able to discount the above by over a third and propose a flat fee of $42,000 annually. We are also proposing a 3% annual escalation of our proposed fee for future years. Included in our fee is one self-insured feasibility study for one line of coverage over the life of the contract. Our fee proposals have never been the cheapest when compared to or competitors and likely never will be. However, we believe when you evaluate our fees as a component of the overall cost of risk for the City of Tigard, we are the least costly alternative. This is because we are better equipped with our experience, risk services and claim services to favorably impact and reduce the City’s cost of risk than any other agency. SAIF does not issue policies net of (or without) commission. As such, if the City decided to move the work comp coverage to SAIF, we would estimate the commission received and offset it against the flat fee referenced above. City of Tigard RFP - Insurance Agent of Record Page | 15 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. ADDITIONAL SERVICES Provide a brief description of any other services that your firm could provide the City and an approximation of the hourly charge for each service of this type. Such services would be contracted for an “as needed” bases, to be provided and billed for separately. We do not charge for additional services. Some of our additional services are as follows: Day to Day Services: While keeping on top of the City’s exposures is vital, it is also important to provide support for the day to day activities as well. BBNW exceeds the expectation outlined in the scope of work for a 48-hour response time. As a promise to our customers, we developed the following standards that we meet or surpass without fail: Market Access As stated previously, BBNW has access to markets specific to public entities that other agencies do not have. For example, BBNW has access to APIP (Alliant Property Insurance Program). APIP is a powerful property insurance solution designed to meet the extensive needs of America’s municipalities. It is the largest property placement in the world, APIP has nearly 9,000 members with a total insurable value (TIV) of $450 billion. Having APIP in your portfolio of insurers offers the following advantages: Task Minimum Service Standard Return City phone calls Within 4 hours Prepare certificate or evidence of insurance Within 24 hours - Same day if requested by Noon Answer City written response Within 24 hours Provide a formal written service plan Ongoing Conduct renewal strategy meeting with City 4 months prior to expiration Request updated renewal information 4 months prior to expiration Receive updated renewal information from City 3 months prior to expiration Send renewal submission to markets 75 days prior to expiration Coordinate underwriter meetings with insured As required Insurance quotes due 45 days prior to expiration Present renewal results to City 30 days prior to expiration Bind coverage, issue certificates, auto ID cards, placemats (structure diagram + policy summary) 10 days prior to expiration Prepare premium allocation breakouts for City Within 7 days of binding coverage Invoice City Within 7 days of the effective date Forecast premiums for budgeting purposes 6 months prior to renewal Review policies and non-premium endorsements Within 30 days of receipt Deliver policies to City Within 60 days of renewal Review and invoice annual audits Within 10 days of receipt Review and invoice premium endorsements Within 10 days of receipt City of Tigard RFP - Insurance Agent of Record Page | 16 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. • Best possible pricing and coverage terms • Broad insuring agreement • Security of a group purchase program • Protection from market fluctuations • Coverage for all property (personal and real) Claims Services: Regarding claims, we take a very active role when you have a loss. Most importantly, we are your advocate in the claim process. Our claims team has over 100 years of collective experience in managing claims. This includes the abundance of claims that fall under the Oregon Tort Cap. We have witnessed an evolution of the tort cap over the last decade: • In 2007, the Oregon Supreme Court ruled in the Clarke v OHSU case that if the tort cap was not a reasonably sufficient remedy, it would not apply. • In 2009, the Oregon legislature increased tort caps, however it was unclear how the courts would apply them in a case with significant damages. • In 2016, the Oregon Supreme Court upheld the tort cap in the Horton v OHSU case. This issue will continue to evolve but currently, Oregon’s public sector enjoys a strong tort cap. BBNW was also specifically engaged in the Johnson v City of Portland case that temporarily did away with recreational immunity. This was a topic of many discussions with our customers as well as multiple newsletters on the topic. Additional claim services our team offers are as follows: • Report claims to the carrier • Provide 24-hour access to BBNW claims staff • Develop claims procedural manuals based on needs of the organization • Visit your locations experience claims ▪ Discuss claims reporting procedures with your staff ▪ Help train your staff in the basic claims principles in accordance with your philosophy • Establish individual claim files on each claim reported • Monitor ongoing claims handling and reserves • Report claims to excess carriers when there is potential liability affecting a self-insured retention • Assist clients in tracking incidents and occurrences which do not result in an insurance claim. Our experience has proven that incidents can be a strong predictor of future claims when monitored effectively • Assist with the selection of outside legal counsel, and if desired assist in negotiations with insurance carriers regarding pre-approved legal counsel • Advocate coverage issues to assure the most advantageous interpretation of coverage and equitable claim settlement for our clients • Communicate status of claims handled under reservation of rights by your insurer and perform the critical role of being your advocate • Assist in the selection and coordination of independent or public adjusters City of Tigard RFP - Insurance Agent of Record Page | 17 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. • Provide customized loss data in the format and frequency you’ve defined • Track and analyze claim data and provide individual claims narratives upon request. A sample Claim Trending report is included in the Appendix of this response. This is available to the City at the frequency of your choosing. Loss Prevention Services: Regular meetings with City staff will provide the guidance and support we believe is necessary to continue your success. We recommend continued quarterly meetings (at a minimum) if the City is agreeable. Unless otherwise noted, all the loss control services are available at no additional cost to the City. Risk University Pioneered by Tim Clarke of BBNW, Risk University is broken up into 14 modules, each about an hour long. Tim would provide the training at City offices for anyone interested in attending. Risk University is one of our most popular offerings. The modules are as follows: What is Risk Management Contracting Executive Risk Management Team Claims Administration Risk Management Expectations Employment Liability The Law Insurance Policy Analysis Loss Exposures Best Practices OSHA Work Plan Safety Committees Risk Finance Zywave BBNW provides access to Zywave, an online risk management tool to as many City of Tigard employees as you would like at no additional cost. The library of materials available on Zywave includes thousands of documents that include handouts, checklists, speech prep and other forms of written communication. Succeed The Succeed Risk Management Center is a secure, comprehensive risk management and occupational safety solution platform designed to improve risk management, loss control and prevention, and OSHA compliance efforts and results. The Risk Management Center allows you to reduce and enable employee safety by creating effective risk mitigation programs. It is easy to use and provides a cost-effective risk reduction and safety center for your entire organization across all departments and locations. We charge a nominal annual amount ($100) for this resource. The purpose of the fee is so the data loaded in Succeed is considered the Cities rather than BBNW’s. “The relationship between our Agent of Record and the City is key to having a successful risk management program. The Brown & Brown Northwest team has been a proven leader in providing trusted insurance consultation, resources and training for both our risk team and staff.” – Kattie Riggs, City Recorder, City of Oregon City City of Tigard RFP - Insurance Agent of Record Page | 18 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. Annual Report BBNW will continue to provide an Annual Report to the City of Tigard with the content of your choosing. Catastrophe Modeling Over the last 17 years’ natural catastrophe modeling technology has become a vital tool as respects quantifying, managing, and transferring risk in the insurance industry. In a sector where financial stability is the hallmark of leading firms, the need for complete portfolio management of natural hazard risks was highlighted time and again by major natural catastrophes. Any organization with financial assets exposed to natural catastrophes can benefit from catastrophe modeling. Insurers, reinsurers, brokers, financial markets, and insureds have all recognized the need to synthesize available scientific research with quantitative techniques to evaluate the probability of financial loss. RMS catastrophe models accomplish this objective. BBNW runs RMS versions 8.0 and 9.0 and offers this service to our customer s for no additional charge. This analysis will assist us in determining a correct limit of earthquake coverage to procure based on science and probability. Flood Zone Analysis When high valued locations are thought to be in flood zones, we will take flood mapping and overlay it using aerial photos of the property to ensure the buildings are in fact in flood zones. Occasionally we find that the building is NOT situated in the flood zone, saving significant premium. w/o Demand Surge w Demand Surge w/o Demand Surge w Demand Surge 0.10%1000 $25,777,026 $34,631,989 $21,641,238 $30,854,042 0.20%500 $20,388,629 $27,238,144 $17,089,556 $24,076,146 0.40%250 $15,683,515 $20,599,603 $13,000,064 $17,869,381 0.50%200 $14,295,666 $18,611,675 $11,755,526 $15,994,985 1.00%100 $10,285,770 $12,934,613 $8,155,800 $10,667,836 2.00%50 $6,872,150 $8,279,774 $5,205,175 $6,487,215 4.00%25 $4,279,571 $4,966,105 $3,039,730 $3,644,084 10.00%10 $1,948,537 $2,183,592 $1,126,258 $1,319,044 $820,732 $966,303 $503,882 $503,882 Ground Up Loss AAL Gross LossCritical Probability Return Period Sample Company, Inc - RMS 8.0 Modeling Results City of Tigard RFP - Insurance Agent of Record Page | 19 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. Risk Management Consulting Executive Risk Management • Establish and train an Executive Risk Management Team • Risk Management for Executives Training • Entity Enterprise Risk Management Risk Management Program Analysis • An analysis of risk management and safety efforts Legislative Actions • Advise on legislative actions Contractual Risk Management • Boilerplate insurance wording • Tailored construction wording • Indemnity clause consulting • Certificate checklists Volunteer Risk Management • Policy statement design • Volunteer coordinator training • Volunteer risk identification program • Creative insurance options Benchmarking • Liability Claims • Workers’ Compensation Claims • Total Cost of Risk • Property Premium Rates • Deductibles and Self-Insured Retentions Loss Prevention Services • Client self-inspection checklists • Emergency evacuation plans • Fleet safety programs • Premises liability safety surveys • Advanced property protection • Negotiating optimum loss control services with insurance companies. Claims Cost Containment • On-staff client claims advocates • Claim reviews • Employer at Injury Program requirements • Early Return to Work programs • Preferred provider relationships • Catastrophic claims management Program Design • Analyze current program, recommend appropriate changes to meet goals & objectives • Evaluate funding and payment alternatives • Present varied options and concepts for consideration • Work with selected carrier to implement loss control and claims service plans • Ensure that communication expectations are established Program Services • Coordinate claims reviews with insurance carrier • Maintain and monitor cost effective program • Project experience rating modifications • Analyze $2,000 deductible program • Project loss sensitive evaluations • Conduct unit statistical claims reviews • Evaluate premium audits for accuracy • Negotiate competitive renewals • Present claims reports Emergency Management • Review emergency management programs • Prepare & oversee drills • Assist with Business Continuity Plans Special Events • Risk Management review of events • Review insurance • Review contracts Consumer Protection and Red Flag • Review security policies and procedures City of Tigard RFP - Insurance Agent of Record Page | 20 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. Construction and Project Management • Review bids and proposals • Recommend insurance requirements • Review contracts Risk Management Policy Manuals • Assist in writing and advising on risk management manuals • Advise on risk management intranet sites Safety Programs • Review and train on safety programs Annual Report • Assist in preparing annual risk management report Training Seminars and Topics Actuarial Science 101 • How to read an actuarial report. Accident Investigations • Overview of accident investigation and importance of this process to your entity. This is aimed at those staff members on the front line of incidents. Bomb Threat Response • Overview of what to do and what to look for when a bomb threat takes place. Emergency Planning • Basic steps to take before an emergency & overview of making your plan. Chemical Hazards • What makes up a good Hazcom program. Contract Management • Public contracting in Oregon. Distracted Driving • Basic defensive driving course designed for all drivers. Hazard Communication • Communicating and training employees on your Hazcom program. Indoor Air Quality • Understanding IAQ, health affects causation agents, sources, controls, & legislation. Intro to OSHA • An overview of what OSHA does and how they help you. Lockout – Tag out • Introduction to the lockout – tag out program. Machine Guarding • Why guard your equipment, methods, & the law. Managing Your Claims Process • The claims process, how it affects you, and how you can control it. Motivating Safe Behavior for Managers • Supervisors and Managers can change the culture by changing the way they behave and create a safe and happier workplace. ZyWave/Elements Training • An internet toolbox providing hundreds of polices and materials for risk managers and safety committees. Office Safety • Overview of office risks, lighting, electrical safeguards, evacuation process and safety. Project Management Skills • How to manage a project. City of Tigard RFP - Insurance Agent of Record Page | 21 © Brown & Brown of Oregon, LLC doing business as Brown & Brown Northwest. All rights reserved. Respect in the Workplace • Respect rather than harassment. Risk Management 101 • How to assess and minimize risks. Safety & Health Programs • Overview of safety and your workplace. • Roles & Responsibilities • Motivating Safe Behavior • Accident Investigation • Inspections Safety Committees and more • What a good safety committee should know and do. Spill Cleanup • Basic steps when a spill takes place. Safety Orientation • Overview of why it is important to start new employees on their first day on safety. Slip & Falls • Overview of risks, maintenance, reporting and training staff. Stress and Stretching • Interactive training designed to show staff how to reduce stress and prepare for work, so they feel better. Supervisors Role • Class 1- Overview of supervisor’s role in safety and training. Taking customer accident reports (What not to do) • Basic training on customer service and dealing with injured people. Walking & Working Surfaces • General training on trip/fall hazards, fall protection, ladder safety and more. Workers’ Compensation 101 Understanding the work comp process and how you can make it work for you and