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2005-03-11 BOD MeetingPUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING The Terrace Hotel Lakeland, FL March 11, 2005 AGENDA 10:00 am Call To Order John Litton, Chairperson Consent Agenda 1. Request Approval of December 10, 2004 Board Meeting Minutes 2. Request Approval of Treasurer's Report as of December 31, 2004 Any Board Member may request to have an item removed from the Consent Agenda and placed on the Regular Agenda for further discussion. Regular Agenda 3. Executive Director's Report Ross Furry, Executive Director A. Status on Hurricane Claims B. Attorney General's Investigation of Insurance Brokers C. Division of Workers' Compensation Rules & Forms 4. Broker's Report Glenn Tobey & Andy Cooper, A.J. Gallagher & Co. A. Renewal Applications B. The Current Marketplace C. Conference Update 5. Chairman's Items John Litton A. Election of South Representative to Executive Committee B. Executive Director Evaluation 6. Guest Speaker: Gina Vega, WC Zone Supervisor, Gallagher Bassett Services, Inc. A. Latest Changes in Workers' Compensation 7. Legal Update Jeffrey S. Weiss, Esquire A. Dismissal of Plaintiffs' Lawsuit for Fraud on the Court 8. Board Member Items Public Comment: State full name and address. Discussion must be limited to a maximum of five (5) minutes per person. Adjournment Luncheon immediately following PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING MARCH 11, 2005 REGULAR AGENDA SUMMARY Executive Director's Report Ross Furry A. Status on Hurricane Claims B. Attorney General's Investigation of Insurance Brokers C. Division of Workers' Compensation Rules & Forms 4. Broker's Report Glenn Tobey & Andy Cooper, A. J. Gallagher & Co. A. Renewal Applications "' la � 3' B. The Current Marketplace C. Conference Update h) Is-- 4'1 7 Elf/ ,h No Board Action Necessary RENEWAL PROPOSAL FOR CITY OF OKEECHOBEE PUBLIC RISK MANAGEMENT OF FLORIDA OCTOBER 1, 2003 - OCTOBER 1, 2004 PAUL J. ERICKSON Senior Area Vice President Paul Erickson-FLaig.com ANDY COOPER Program Marketing Manager Andy Cooper(cr�.aiq.com KIM K. GRIFFEY Administrative Assistant Kim Griffey cx aiq.com GLENN R. TOBEY Branch Manager Area President Glenn Tobeyajg.com SONIA L. FATHEREE Senior Client Service Representative Sonia Fatheree aiq.com CANDACE B. KOESTER Assistant Client Service Representative Candace Koester a(�aiq.com August 15, 2003 www.aiq.com TABLE OF CONTENTS A. EXECUTIVE SUMMARY e��11 IF B. PUBLIC RISK MANAGEMENT PROGRAM REINSURANCE & FINANCIAL SECURITY C. ARTHUR J. GALLAGHER & CO. GALLAGHER BASSETT SERVICES, INC. D PRM COVERAGE SUMMARY E. UNDERWRITING INFORMATION F PREMIUM & COSTS G. DISCLOSURES PUBLIC RISK MANAGEMENT OF FLORIDA EXECUTIVE SUMMARY �nil� Wir As a result of the tight insurance market for public entities in the mid 1980's, a group of cities and counties in southwest Florida made an extensive study into the feasibility of establishing a Public Entity Pool for property, casualty, and worker's compensation coverage. Major objectives of the group were as follows: 1. Lower Costs 2. Enhanced Coverage 3. Outstanding Claim & Loss Control Service 4. Stability 5. Self- Governed by members 6. Professional & Timely Service As a result of the study, Public Risk Management of Florida (formerly SFIRMA) was established on October 1, 1987, with eight members. Today PRM maintains those same objectives, meeting each of them with every new policy term. We believe that PRM's continued success and prosperity is largely attributable to the benefits received by its members. Our Executive Summary outlines the various benefits by the members of PRM. 2 PUBLIC RISK MANAGEMENT OF FLORIDA EXECUTIVE SUMMARY BENEFITS 1. INSURANCE COVERAGES The PRM coverage's are designed to meet the needs of the public entity. The basic program has been in place for over twenty (20) years and thousands of entities have been protected under this program. The coverage's are vastly superior to those that are available in the market place. 2. COST EFFECTIVE The PRM program is cost effective for the following reasons: a. The assumption of risk at the low or known loss levels, thus the need to purchase Tess insurance. b. Risk Selection - PRM has a specific territory that we feel offers a less litigious claims environment. In addition, PRM selects members that have favorable loss experience history, and are committed to controlling their losses. This helps the Association to control their insurance costs. c. Emphasis on safety, loss prevention and claims handling by PRM and its members. 3. STABILITY Due to sound management by the Board of Directors, the PRM Executive Director and Arthur J. Gallagher & Co., PRM is very stable financially with secure reinsurance. 4. CLAIMS HANDLING Gallagher Bassett Service, Inc. handles the claims administration. Gallagher Bassett is experienced in handling claims for Florida public entities and Florida Workers' Compensation. They have eight (8) offices staffed with over 250 employees in the State and handle claims for over 150 public entities. The client has input and approval in the claims settlement process and in the selection of defense counsel. 5. GALLAGHER BASSETT INVESTIGATIVE SERVICES Gallagher Bassett Investigative Services offers a range of investigative tools that, employed separately or in combination, create a formidable first line of defense in such high -risk areas as: insurance fraud, embezzlement, theft and other tangible asset losses, personal and asset protection, due diligence, and pre - employment screening. 3 PUBLIC RISK MANAGEMENT OF FLORIDA EXECUTIVE SUMMARY BENEFITS 6. MANAGED CARE PRM contracts with a managed care provider, GENEX, to develop an acceptable Managed Care Program. GENEX provides a network of physicians, hospitals, clinics and ancillary providers. GENEX also provides valuable services such as utilization and peer review, employee education, provider bill audit, as well as encouraging Early Return to Work Programs. 7 DRUG FREE AND SAFETY PROGRAM CREDITS PRM members can receive a Drug Free Workplace credit with an approved Drug -Free Workplace program. This credit is 5% and is applied to the member's loss fund. Members' can also receive an approved Safety Credit. This credit is 3% and is also applied to the member's loss fund. 8. LOSS PREVENTION SERVICES PRM provides on -site Toss prevention services to assist you in setting up safety and loss prevention programs. Our safety consultants are experienced in working with public entities. A list of Toss prevention services provided to each member is included in this proposal. 9. RISK MANAGEMENT SERVICES By joining PRM, the members gain the Risk Management Services provided by the Association. The Executive Director and his staff have over 60 years experience in the Risk Management field. They are able to assist you in your Risk Management activities, including monitoring and reviewing of all contracts, leases, use agreements and certificates of insurance. A Risk Management manual is provided to each member to help you better participate in the program. 10. EDUCATIONAL SEMINARS Educational seminars are provided on a timely basis, focusing on the needs of the public entity sector. PRM also has an Annual Educational Conference featuring the most current "hot topics" in the public entity and insurance arenas. 11. RISK MANAGEMENT INFORMATION REPORTS The Loss reports provided to each member are designed to keep you abreast of claim activity on a monthly basis in a timely and accurate manner. The Toss reports are broken down by type of claim and department to help you monitor your Risk Management program. 4 PUBLIC RISK MANAGEMENT OF FLORIDA EXECUTIVE SUMMARY BENEFITS w7„ 12. SELF GOVERNING BY BOARD PRM is self - governed by its members. Each member has a representative on the Board of Directors and it is the Board that sets the policy for PRM. 13. EMPLOYMENT PRACTICES LIABILITY HOT LINE Pre - Defense Review Service by a recognized law firm for advice and guidelines to prevent possible claims and litigation in labor and employment law issues for Civil Rights Violation(s), Discrimination and Whistle blower Claims. 14. LAW ENFORCEMENT HOT LINE Pre - Defense Review Service on a 24 hour basis for law enforcement related critical incident matters. The primary object is to provide police supervisors with immediate loss prevention including the need for on -scene legal advice on any critical incidents. This service is provided by expert legal counsel on law enforcement matters. 15. APPRAISALS All PRM members are required to have a building /contents appraisal completed every five years. This is done through PRM's designated appraisal service, Valuation Resource Management (VRM), or by the member's own appraisal service. The VRM Appraisal includes a site plan and a color photo of each location. Appraisals are an important tool to assure that the proper limits and coverages are provided on each location. 5 PUBLIC RISK MANAGEMENT OF FLORIDA LOSS PREVENTION SERVICES Public Risk Management of Florida (PRM) recognizes the importance of effective workplace safety & loss prevention activities in reducing workplace losses. In response, PRM offers a wide range of loss prevention services for its members at no cost. The following outline briefly describes the major package of services offered through PRM Loss Prevention Services. RISK ANALYSIS On site risk analysis services are provided for PRM members in an attempt to identify potential loss producing hazards and to assist with regulatory compliance. A Risk Analysis includes a review of the following areas: • Record Keeping Analysis • Written Program Requirements • Physical Hazards Identification • Training Needs SAFETY PROGRAM DEVELOPMENT A variety of written safety & loss prevention programs are available to meet the needs of our members. Whether you require a basic program to comply with specific regulation, or a city /county wide safety program, PRM Loss Prevention Services can help. • Individual Regulatory Programs • Comprehensive Programs • State Approved Discount Programs SAFETY TRAINING PRM of Florida believes that training & education is one of the most effective methods in reducing workplace accidents & losses. Our Loss Prevention Services include training support at both the supervisory & employee levels. • Formal Classroom Training Sessions • Training Literature & Materials • Supervisor "Safety Talks" • Safety Video Library REGULATORY ASSISTANCE Numerous OSHA safety regulated technical resources are now available to assist our members in complying with a multitude of Federal & State safety regulations: • Compliance Assistance & Guidelines • Regulatory Interpretations • Post Audit Consultations • Citation Validation TECHNICAL ASSISTANCE PRM offers a wide variety of specialty services as a part of our Loss Prevention Program. We can discuss your individual concerns and provide result- oriented solutions that meet your needs. • Job Hazard Analysis • Indoor Air Quality Studies • Safety Committee Set -Up & Participation • Industrial Hygiene Evaluations LOSS TRENDING PRM provide frequent loss trending reports to each member. These reports provide valuable information that identifies potential problem areas within each line of coverage. We believe this information allows our members to intervene before experiencing a serious loss situation. • Injury Frequency Trending • Comparative Analysis with other Members • Major Sources of Losses 6 PUBLIC RISK MANAGEMENT OF FLORIDA SERVICE TEAM PUBLIC RISK MANAGEMENT Ross Furry Judy Hearn Lynne Pysarchuk Rob Ross Executive Director, PRM: 15 Years of insurance & Risk Management experience Assistant Executive Director, Secretary PRM Board of Directors: 32 Years of insurance experience. Bookkeeper, PRM: 25 Years of experience. Senior Loss Prevention Consultant, PRM: 17 Years of Experience. Julius "Butch" Darab Loss Prevention Consultant, PRM: 17 Years of Experience. Sandy Wilcox Loss Prevention /Administrative Assistant, PRM Frank Shore Claims Manager, PRM Merle Chandler Loss Prevention /Administrative Assistant, PRM Susan Baron Administrative & Claims Assistant, PRM ARTHUR J. GALLAGHER & CO. Glenn Tobey Area President /Branch Manager, Arthur J. Gallagher & Co.: 27 Years of Insurance experience. Paul Erickson Andy Cooper Sonia Fatheree Candace Koester Jim Sampson Senior Area Vice President, Arthur J. Gallagher & Co.: 33 Years of Insurance experience. Program Marketing Manager, Arthur J. Gallagher & Co.: 20 Years of Insurance experience. Senior Client Service Representative Arthur J. Gallagher & Co.: 19 Years of Insurance experience. Assistant Client Service Representative Arthur J. Gallagher & Co.: 3 Years of Insurance experience Marketing Representative, Arthur J. Gallagher & Co.: 22 years of insurance /risk management experience. Kim K. Griffey Administrative Assistant, Arthur J. Gallagher & Co.: 3 years of insurance experience. 7 era PUBLIC RISK MANAGEMENT OF FLORIDA SERVICE TEAM GALLAGHER BASSETT SERVICES, INC. Bill Girman Sonia Gomez, CWC Cheryl Fountaine ACTUARY Will Peacock APPRAISER Branch Claims Manager, Gallagher Bassett: 31 years of insurance experience. Senior Worker's Compensation Claims Adjuster Gallagher Bassett: 18 years of insurance experience. Senior Property /Liability Claims Adjuster, Gallagher Bassett: 23 years of insurance experience. Independent Actuary, Insurance Industry Consultants, Inc.: 32 years of insurance experience. Dean Rondorf Property Appraisers, Valuation Resource Management. AUDITOR Karen Fontenot Auditors, Sampey, Dexter, & Resetar, CPA PUBLIC RISK MANAGEMENT OF FLORIDA ORGANIZATION el" ' PRM is organized under an Inter -local Agreement with each member having a Board Member and Alternate Member on the PRM Board of Directors. PRM is Self Governed by its members with each member having an equal vote. The Board of Directors makes ALL decisions. The PRM By -laws do include an initial two -year commitment and a one -year notice thereafter. New members only have the initial two -year commitment. This provision has added coverage availability and rate stability to the association. The Board of Directors must approve all new members. PRM is careful in the selection of new members, which adds to stability of the pool. PRM's territory is limited geographically, which enables PRM to provide the best services and coverage available. PRM has a full -time Executive Director and seven employees to provide you dedicated service. In addition to assisting members in the claims handling, PRM offers complete Risk Management and Loss Prevention services. PRM provides on -site Loss Prevention services, including assisting members in setting up Safety Committees and Drug Free Workplace Programs. PRM provides various seminars for its members throughout the year. Excess Reinsurance, Technical Support, Marketing, and Underwriting services are provided by Arthur J. Gallagher & Co. , who is one of the nation's leading Public Entity Brokers. Arthur J. Gallagher & Co. is the fourth largest Insurance Brokerage firm in the United States. Claims Service is provided by Gallagher Bassett Services, who provides Claims Services to over 150 Public Entities in Florida, and thousands on the National level. Included in the Claims Service is Managed Care for Workers' Compensation. PUBLIC RISK MANAGEMENT OF FLORIDA REINSURANCE FINANCIAL SECURITY Public Risk Management's (PRM) Reinsurance Program consists of both Specific Excess and Aggregate Excess insurance. Specific Excess Specific Excess Loss Protection is placed to cover large or catastrophic claims excess of $200,000 for Property and Third Party Liability, $250,000 for Workers Compensation and Employers Liability, and $25,000 for Crime. American Reinsurance and Lloyd's of London are the lead re- insurers, providing the first $1,000,000 for Property, $2,000,000 for Third Party Liability, $500,000 for Workers Compensation and $100,000 for Crime. American Re is the second largest re- insurer in the world, and has a dedicated unit to service Public Entities. Safety National Corporation provides Statutory Coverage's above the $500,000 for Workers Compensation and up to $2,000,000 for Employers Liability. Various Property Carriers provide Excess Property Insurance up to a $500,000,000 limit. Aggregate Excess Aggregate Excess Loss Protection is provided to protect its members against adverse loss experience in any given year. Aggregate Excess protection is used upon exhaustion of the member's Loss Fund. This protection is for all lines of coverage. American Re provides aggregate Excess Protection. Protected Self Insurance Program This Specific Excess and Aggregate Excess Reinsurance Program provides the PRM member's Financial Security that makes it the Premier Program of its kind. The Self Insured Retention levels of PRM are conservatively low to offer additional Financial Security for it members. Actuarial Services and Audited CPA Financial Statement Annually, PRM has an Actuarial study conducted on its loss and loss expense reserves. This report is incorporated into an annual Audited CPA Financial Statement. Both the Actuarial study and the Audited CPA Financial Statement have been provided to you previously. PRM fully complies with GASB10 accounting. PRM does not discount loss reserves or take credit in advance of receiving monies for Second Injury Fund recoveries. Interest Earnings and Cash Flow Member Contribution's earn interest for the benefit of the members. The interest earnings can be used to offset PRM expenses, used to pay claims, or be returned to the members as participation credits. • 10 PUBLIC RISK MANAGEMENT OF FLORIDA PROPOSED CARRIER RATINGS AND ADMITTED STATUS Proposed Carriers A.M. Best's Rating (Effective Date) Admitted /Non- Admitted Lexington A ++ XV Non - Admitted Lloyds A- XV Non - Admitted Essex A X Non - Admitted Crum & Forster A- XI Admitted Great American A XIII Non- Admitted Westchester A X Non - Admitted Royal Surplus A- IX Non - Admitted First Specialty A VII Non - Admitted Travelers Property & Casualty A ++ XV Admitted United National Insurance Co. A VIII Non - Admitted Safety National A VIII Admitted If the above indicates coverage is placed with a Non - Admitted carrier, the carrier is doing business in the state as a surplus lines or non - admitted carrier. As such, this carrier is not subject to the same regulations that apply to an admitted carrier nor do they participate in any insurance guarantee fund applicable to that state. Guide to Best Ratings Rating Levels & Categories Obi Level Category Level Category Level Category A + +, A+ Superior B, B- Fair D Poor A, A- Excellent C + +, C+ Marginal E Under Statutory Supervision B + +, B+ Very Good C, C- Weak F In Liquidation S Rating Suspended Financial Size Categories (In $000 of Reported Policyholders' Surplus Conditional Reserve Funds) FCS I Up to 1,000 FSC IX 250,000 To 500,000 FSC 11 1,000 To 2,000 FSC X 500,000 To 750,000 FSC 111 2,000 To 5,000 FSC XI 750,000 To 1,000,000 FSC IV 5,000 To 10,000 FSC XII 1,000,000 To 1,250,000 FSC V 10,000 To 25,000 FSC XIII 1,250,000 To 1,500,000 FSC VI 25,000 To 50,000 FSC XIV 1,500,000 To 2,000,000 FSC VII 50,000 To 100,000 FSC XV 2,000,000 Or More FSC VIII 100,000 To 250,000 Best Insurance Reports, published annually by A.M. Best Company, Inc., presents comprehensive reports on the financial position, history, and transactions of insurance companies operating in the United States and Canada. Companies licensed to do business in the United States are assigned a Best's Rating which attempts to measure the comparative position of the company or association against industry averages. Copies of the Best's Insurance Reports on the insurance companies are available upon your request. Arthur J. Gallagher & Co. uses A.M. Best & Co.'s rating services to evaluate the financial condition of insurers whose policies we propose to deliver. The rating of the carrier and the year of publication of that rating are indicated. Arthur J. Gallagher & Co. makes no representation or warranty concerning the rating of the carrier, which may change. 12 PUBLIC RISK MANAGEMENT OF FLORIDA asal PROTECTED SELF - INSURANCE PROGRAM - FINANCIAL OCTOBER 1, 2003 - OCTOBER 1, 2004 AGGREGATE COVERAGE $5,000,000 APPLIES WHEN LOSS FUND IS EXHAUSTED AMERICAN RE LOSS FUND * ** PROPERTY Various Carriers* $499,000,000 Per Occurrence Excess of $1,000,000 American Re $1,000,000 Including SIR GENERAL LIABILITY /AUTOMOBILE LIABILITY PUBLIC OFFICIAL'S LIABILITY ** American Re $2,000,000 Including SIR WORKERS' COMP Safety National Statutory Limits Excess of $500,000 EMPLOYERS' LIABILITY $1,500,000 Per Occurrence Excess of $500,000 American Re $500,000 Including SIR BLANKET HONESTY BOND /FAITHFUL PERFORMANCE MONEY /SECURITIES (IN /OUT) Incl. COMPUTER FRAUD American Re $100,000 Including SIR SIR Per Occurrence $200,000 SIR Per Occurrence $200,000 SIR Per Occurrence $250,000 SIR Per Occurrence $25,000 Only the largest SIR applies if a loss involves multiple lines of coverage * ** * ** A $50,000,000 Flood Sub -Limit Applies. Public Officials' Liability only is a claims -made form. Limits are $2,000,000 Per Occurrence /$3,000,000 Per Aggregate. Loss Fund adjusts for members who certify drug free and safety programs after October 1. 13 $25,000,000 All Risk, including Flood and Earthquake Westchester Surplus $5,000,000 All Risk, including Flood and Earthquake Great American E &S Insurance PUBLIC RISK MANAGEMENT OF FLORIDA 2003 — 2004 EXCESS PROPERTY $3,500,000 All Risk, including Flood and Earthquake Crum & Forster Ins. Co. $4,000,000 Lloyd's of London All Risk, including Flood and Earthquake $2,500,000 Essex Ins. Co. All Risk, including Flood and Earthquake $4,500,000 All Risk, including Flood and Earthquake Lloyd's of London $4,500,000 All Risk, including Flood and Earthquake Lexington Insurance Company $1,000,000.; All Risk, including Flood and Earthqua ublic Risk Management - Coverage Documen 14 GIL $425M XS $75M $25M XS $50M $25M XS $25M $5M XS $20M $10M XS $10M $9M XS $1M $1M Gift.. I. Arthur J Gallagher & Co. • Started 1927 • 1984 became a public company — NYSE • 100+ sales offices (including international) • 7,111 employees • Revenues reached $1,100,000,000 in 2002' • 3rd largest broker in U.S. • 4th largest broker in world • International offices in London, Singapore, Scotland, Bermuda, Canada, Australia, and Papua, New Guinea • Leading provider of integrated risk management services • Able to service our customers' needs in more than 100 countries through our Strategic Alliance Partner Network 15 FLORIDA PUBLIC ENTITY CLIENTS Member of the PRM of Florida City of Avon Park Town of Belleair City of Belle Glade City of Cape Coral City of Clewiston City of Crystal River City of Deltona Desoto County BOCC City of Eustis City of Ft Meade Glades County BOCC City of Gulfport Hamilton County BOCC Hardee County BOCC Hendry County BOCC Highlands County BOCC Holmes County BOCC City of Indian Rocks Beach Town of Kenneth City City of LaBelle Town of Lady Lake City of Lake Mary City of Lake Placid City of Lake Wales Lee County Port Authority Levy County BOCC Town of Longboat Key City of Longwood City of Moore Haven City of North Port City of New Port Richey City of Okeechobee Okeechobee County BOCC City of Oviedo City of Pahokee City of Port Richey City of Punta Gorda Sarasota Manatee Airport City of Safety Harbor City of Sebring South Florida Conservancy District City of South Pasadena Sun N Lakes of Sebring City of St. Pete Beach Tampa Bay Water City of Tavares City of Temple Terrace City of Wauchula City of Winter Garden City of Zephyrhills Florida County Board of Commissioners Alachua County Board of Commissioners Brevard County Board of Commissioners Charlotte County Board of Commissioners Citrus County Board of Commissioners Collier County Board of Commissioners Escambia County Board of Commissioners Indian River County Board of Commissioners Lee County Board of Commissioners Manatee County Board of Commissioners Osceola County Board of Commissioners Polk County Board of Commissioners Metro Dade County Board of Commissioners Monroe County Board of Commissioners Palm Beach County Board of Commissioners Pasco County Board of Commissioners Putnam County Board of Commissioners Seminole County Board of Commissioners Volusia County Board of Commissioners Cities, Towns, & Villages City of Clearwater City of Coconut Creek City of Coral Gables City of Coral Springs City of Daytona Beach City of Dunedin City of Ft. Lauderdale City of Gainsville City of Hallandale City of Hileah 16 elk FLORIDA PUBLIC ENTITY CLIENTS Cities, Towns, & Villages continued City of Key West City of Lauderhill City of Lighthouse Point City of Margate City of Miami Springs City of Melbourne City of Miramar City of Naples City of North Miami City of Oakland Park City of Palm Bay City of Palm Beach City of Pembrooke Pines City of Riviera Beach City of Sanford City of Sunrise City of Tamarac City of West Palm Beach City of Winter Haven Members of the Florida Housing Authority Risk Management Pool Avon Park Housing Authority Bradenton Housing Authority Brevard County Housing Authority Cocoa Housing Authority Daytona Beach Housing Authority Melbourne Housing Authority New Smyrna Beach Housing Authority Ocala Housing Authority Palatka Housing Authority Plant City Housing Authority Sanford Housing Authority Suwannee Housing Authority Tallahassee Housing Authority Tarpon Springs Housing Authority Titusville Housing Authority Other Authorities, Districts Broward County Housing Authority Escambia Utilities Authority Greater Orlando Aviation Authority Florida Keys Adqueduct Metro Dade Transit Authority Monroe County /Key West Housing Authority South Florida Water Management Orlando- Orange County Expressway Authority 17 FLORIDA EDUCATIONAL CLIENTS Individual Florida School Systems Broward County School Board Clay County School Board Collier County School Board Dade County School Board Duval County School Board Escambia County School Board Florida Junior College at Jacksonville Hillsborough County School Board Jacksonville University Leon County School Board Monroe County School Board Okaloosa County School Board Pasco County School Board Seminole County School Board Members of the Northeast Florida Educational Consortium Baker County School Board Bradford County School Board Columbia County School Board Dixie County School Board Flagler County School Board Gilchrist County School Board Hernando County School Board Levy County School Board Nassau County School Board Putnam County School Board Union County School Board Members of the Florida School Board Association Insurance Trust Alachua County School Board Citrus County School Board Lafayette County School Board Lake County School Board Okeechobee County School Board Santa Rosa School Board Suwannee County School Board Taylor County School Board State of Florida University Systems Florida A & M University Florida Atlantic University Florida International University Florida State University University of Central Florida University of Florida University of North Florida University of West Florida Independent Colleges & Universities Risk Management Association LLC Barry University Clearwater Christian College Florida Institute of Technology Nova Southern University Palm Beach Atlantic College Ringling School of Art & Design Southeastern College of the Assemblies of God Catholic School System Archdiocese of Miami Schools Diocese of Orlando Schools Diocese of Palm Beach Schools Diocese of Pensacola - Tallahassee Schools Diocese of St. Augustine Schools Diocese of Venice Shoots St. Thomas University 18 FLORIDA EDUCATIONAL CLIENTS Members of the Florida Community College of Risk Management Consortium Polk County School Board Brevard Community College Broward Community College Central Florida Community College Chipola Junior College Daytona Beach Community College Edison Community College Florida Keys Community College Gulf Coast Community College Hillsborough Community College Indian River Community College Lake City Community College Lake - Sumter Community College Manatee Junior College Miami -Dade Community College North Florida Junior College Okaloosa - Walton Junior College Palm Beach Community College Pasco - Hernando Community College Pensacola Junior College Polk Community College St Johns River Community College St Petersburg Community College Santa Fe Community College Seminole Community College South Florida Junior College Tallahassee Community College Valencia Community College 19 PUBLIC RISK MANAGEMENT OF FLORIDA GALLAGHER BASSETT SERVICES, INC. CLAIMS MANAGEMENT x..11 SP The Gallagher Bassett Claims management system encompasses far more than the calculation of losses and the payment of claims. While proper field investigation and claims adjusting are essential to the overall effective of the system, Gallagher Bassett Claims Management functions in a multitude of other areas. We excel, for example, in: • Litigation Management: Selecting, directing and controlling defense counsel. • Subrogation Management: Actively pursuing reimbursement from the primary Toss source. • Rehabilitation Management: Establishing realistic reserves with periodic review and adjustment. • Settlement Management: Reviewing payment alternatives available including "Structured Settlements." Accountability, planning and involvement comprise the cornerstone of Gallagher Bassett's "hands -on" claims management philosophy. Specific aspects of our comprehensive approach include review committees to monitor potentially serious claims; area claims managers to provide input to the field adjusting staff, realistic assignment of adjuster caseloads. In the final analysis, Gallagher Bassett claims management is a partnership with PRM; thus insuring the assets of each member. • Claims Management Reports (RISX- FACS®) Reports by Coverage Reports by Department Accurate Reports Comprehensive Data Ad Hoc Capabilities Timely Reports 20 CITY OF OKEECHOBEE PUBLIC RISK MANAGEMENT OF FLORIDA COVERAGE SUMMARY PROPERTY • Blanket Coverage — Full Total Insurance Values ($6,771,714) • Special or "All Risk" • No Coinsurance /Agreed Amount • Flood Sublimit - $50,000,000 Aggregate (Excess of the National Flood Insurance Program in Flood Zones "A" or "V ") • Earthquake Sublimit - $50,000,000 Aggregate • Replacement Cost: Building & Contents; Actual Cash Value - Automobiles • $2,000,000 Extra Expense & Business Interruption • Increased Cost of Construction - Building Ordinance - Included • Property in Transit Included • Includes Owned Property in Course of Construction (Owner's Builders Risk) • Electronic Data Processing • Valuable papers and Accounts Receivable • Inland Marine - Contractors Equipment • Employees Personal Property - $1,000/$25,000 Maximum • Employees Tools - $50,000 • Fine Arts - $100,000 • Automatic Coverage Remainder of Policy Term Up to $2,500,000 - No Additional Premium • Automatic Coverage for APD - No Mid -Term Adjustments • Deductible: $500 • Wind Deductible: 2% Named Storm (SEE PAGE 26 FOR AN EXAMPLE) (This is a summary only. Members should refer to the actual policies for terms and conditions.) 21 CITY OF OKEECHOBEE PUBLIC RISK MANAGEMENT OF FLORIDA GENERAL LIABILITY, AUTOMOBILE LIABILITY, POLICE PROFESSIONAL OCCURRENCE FORM • Limit - $2,000,000 Bodily Injury/Property Damage Mental Injury Mental Anguish Shock False Arrest False Imprisonment Detention Malicious Prosecution Invasion of Rights of Privacy Assault & Battery • Blanket Contractual - Hold Harmless Agreements included for Governmental & Non - Governmental entities • Includes Property in Care, Custody, & Control of City or County • Host & Liquor Liability • EMT /Paramedical covered • Police Professional • Dams /Reservoirs Included • Florida No -Fault (Automobile) • Automatic Coverage for Automobile Liability — No Mid -Term Adjustments • Deductible: NIL (This is a summary only. Members should refer to the actual policies for terms and conditions.) 22 CITY OF OKEECHOBEE PUBLIC RISK MANAGEMENT OF FLORIDA PUBLIC OFFICIALS CLAIMS MADE FORM • $2,000,000 per occurrence /$3,000,000 per member aggregate limit • Wrongful Acts • 1 year Extended Reporting Period - No Charge • Violation of Civil Rights • Discrimination • Sexual Harassment /Sexual Molestation (Per Approval) • Deductible: NIL • Retro Date: 2/2/91 CRIME • $100,000 Employee Dishonesty /Faithful Performance Bond, includes Finance and Assistant Finance Director (Optional Higher Limits) • $100,000 Forgery & Alteration • $100,000 Money & Securities • Deductible: $500 WORKERS' COMPENSATION • Workers' Compensation - Statutory • Employers' Liability • All States Coverage • Jones Act • Deductible: NIL (This is a summary only. Members should refer to the actual policies for terms and conditions.) 23 CITY OF OKEECHOBEE PUBLIC RISK MANAGEMENT OF FLORIDA OPTIONAL BOILER & MACHINERY Carrier: Best's Rating: Term Limit Per Accident: Sublimits: Expediting Expenses Ammonia Contamination Water Damage Hazardous Substance Demolition /Increased Cost Media Brands & Labels Errors in Description Computer Equipment Coverages: Travelers Indemnity Company A+ XV Annual October 1, 2003 -2004 $50,000,000 Policy Limit Policy Limit Policy Limit $2,000,000 $1,000,000 $500,000 Policy Limit Policy Limit Policy Limit • Broad Comprehensive Coverage (Including certain electronic control equipment.) • Repair of Replacement Value • Business Interruption /Extra Expense at Policy Limit • Refrigeration Interruption (Spoilage) at Policy Limit • Service Interruption at Policy Limit — Excludes Property perils — 4 hour waiting period. Locations Insured: As submitted and on file with Travelers Property Perils Excluded: Freeze, Flood, Earthquake, Lightning & EC Perils. Deductible: $1,000 per occurrence (Please note: If your entity previously purchased this coverage, it will automatically be included under your renewal premiums on the Contribution Breakdown page.) 24 CITY OF OKEECHOBEE PUBLIC RISK MANAGEMENT OF FLORIDA EXCESS LIABILITY Carrier: American Reinsurance & United National Insurance Co. Best's Rating: A +VIII Term: Annual — October 1, 2003 — October 1, 2004 Limits: $3,000,000 Per Occurrence — GL /AL /POL /LEL /EBL $3,000,000 Aggregate (POL,EBL) Underlying Limits: $2,000,000 Per Occurrence $3,000,000 Aggregate (POL) Coverage: Excess Follow Form, with the following additional exclusions Exclusions: Dams or Reservoirs Marina & Wharfinger Liability Failure to Supply Electric & Gas Sexual Molestation /Sexual Abuse Asbestos Terrorist Activity Mold Pollution Nursing Homes Retro Date: 10/1/98 Public Officials' Errors & Omissions 10/1/98 Employee Benefits Liability (Please note: If your entity previously purchased this coverage, it will automatically be included under your renewal premiums on the Contribution Breakdown page.) 25 0) L a C 0 c a) Q O a) w c t a) Q O a 0 IL O a L c O Lu O p c > a) c c0) O Ua) > O)'= C_ c 'D a) '� a) CO w U > N .n a a) c U Q C C O 0 a� J a) a � a) C Fa- -O yO C O co -(n 0 _O _c o L N2 .5 ow a 0 3 To O C (n 00 C U O O c a) ac E) 7 a) C w ..- (1) O (0 O c N 0 O O N L Eft a) Z o O O CC O a O O `) a) cn a`) L E m 8,000,000 loss sustained 0) .0 U a a) O O O ° O O O O In O a m U .O. Q C 0 i o aaa 0 O O a) (o _Oj U U U 0) a) F • a) as as (0 N U o W 7 7 7 O. N > > > N J c rd co W W W N 7 le Location Affected 2,000.000 L SINGLE ENTITY a) O U a) 0) .o CO L ` a5 CZ U L O 7 C a3 O E o C? c a) X O N E O polo O O O �O ON O 0 O O a) 0 V 0 O 0 C'. 0° ° 6 2, co 0 (n ° (O To H 8,000,000 loss sustained O E a) o 0 E w O X(fl F- a p o V Z I- I? d Q 0 M a W O. 2 W o6 oa a N J 9 d 2 E - N J U U CC aw 2 a a m O O O U N a) F- a) Q) m a) -0 C a) 7 7 O c a3 LL VQ) j > >7m a)2 c CC >H J N O 'D c0 2 E N U o70Ua a�w 5 locations affected 2,000,000 loss sustained SINGLE ENTITY (N O T. a) m E a) U O a) a> W 0) U a a) a co I" U1 O 1 * - : Entity 1 values affected (1) a) CO to O N O O O O E O Q c O 0 0 M 0 3 o .n 0 O a a a p N N O o f U U U a) I3 CD E 0 U a 6 a3 a c X Efl Q 4) a) a) 7 p- O 7 7 7 LL (n lf) Q 1 @ 47 Q O oa N CO V J 5 Q. ( CO w 2 E a3 @ c c c a o N www a� aw1-° O O 00 O O 0 0) O (> a TO 7 O 0 m t) -a '- a) •N U (n U _N a C C c oi- 7 3 Q (6 O c3 a) C LL (C) a co ? 0 D 2 c X co a) O> W J Q ((1) O 1- U (n 0Uaw Q W I-- PUBLIC RISK MANAGEMENT OF FLORIDA WHAT IS NOT INCLUDED PROPERTY and CRIME Mold Terrorism Property Losses of a Degenerative Nature (Wear, Tear, Deterioration) Uninsurable Excluded Uninsurable Rust Wet or Dry Rot Uninsurable Physical Damage to Aircraft Hull Coverage Available Physical Damage to Watercraft over 40 Available by Endorsement Feet Employee Tools Limited to $50,000 Per Occurrence (Higher Limits Available) Animals Uninsurable Land and Land Values Uninsurable Streets, Roads, Bridges, Sea Walls, Separate Inland Marine Coverage Sewer & Water Lines, Electrical T &D Lines Outside PRM Trees, Shrubs, Bushes Normally Uninsurable War, Nuclear Uninsurable Boiler & Machinery Available on PRM Master Policy Fidelity Required by Law Inventory Shortage New Construction /Additions The First $500 of any Loss Individual Public Officials Bonds Available Uninsurable Automatic Coverage Limited to $2,500,000 Maintenance Deductible Of& This is a summary only. Members should refer to the actual document for Terms & Conditions. 27 t PUBLIC RISK MANAGEMENT OF FLORIDA WHAT IS NOT INCLUDED THIRD PARTY LIABILITY Mold Terrorism Aircraft Liability Airport Liability Fiduciary /ERISA Liability Florida Statutory AD &D Hospital /Clinic Malpractice Inverse Condemnation, Eminent Domain Injunctive Relief, Declaratory Judgement Medical Payments (Not Legal Liability) Seepage, Pollution, Contamination Uninsured Motorist War, Nuclear Uninsurable Excluded Separate coverage available outside PRM. PRM Airport Master Policy Individual Coverage Available Individual Coverage Available Professional Liability Available Uninsurable Uninsurable Rejected by PRM, Accident Medical Available Individual Coverage Available for Underground Storage Tanks &for Broad Form Pollution Coverage Rejected by PRM Uninsurable This is a summary only. Members should refer to the actual document for Terms & Conditions. 28 CITY OF OKEECHOBEE PUBLIC RISK MANAGEMENT OF FLORIDA PROPERTY EXPOSURES PROPERTY INFORMATION 2002/2003 2003/2004 Total Building Values $1,723,075 $1,859,970 Total Contents Values $405,115 $430,815 Declared (Property in the Open) $600,154 $656,560 EDP (Hardware) $84,105 $70,350 EDP (Software) N/A $50,000 EDP (Extra Expense) N/A $20,000 Business Interruption Values & Extra Expense Values $2,000,000 $2,000,000 Contractors' Equipment/Off Road Equipment $278,419 $861,785 Automobile Values $532,775 $601,246 Owned Builders Risk N/A $0 Rental Values N/A $6,000 Other Misc. Values $204,750 $214,988 TOTAL INSURANCE VALUES $5,828,393 $6,771,714 29 CITY OF OKEECHOBEE PUBLIC RISK MANAGEMENT OF FLORIDA AUTOMOBILE EXPOSURES AUTOMOBILE INFORMATION 2002/2003 2003/2004 Police Cars 18 19 Fire Cars 1 1 Private Passenger Cars 3 3 Vans, Pickups /Light Trucks 5 6 Medium Trucks 2 2 Heavy Trucks 3 3 Fire Trucks 5 5 Buses 0 0 Ambulances /Rescue 0 0 Motorcycles 0 0 Other: 0 0 TOTAL VEHICLE COUNT 37 39 Trailers 1 30 CITY OF OKEECHOBEE PUBLIC RISK MANAGEMENT OF FLORIDA GENERAL LIABILITY EXPOSURES General Liability Exposures 2002/2003 2003/2004 Miles of Street/Roads 61.09 64.69 Number of Bridges 1 1 Number of Dams /Reservoirs 0 0 Number of Employees Full -Time Equivalent 61 61 Number of Firemen New Item 12 Number of Volunteer Firemen 10 12 Number of Volunteer Police 10 2 Number of Volunteers (All Other) 0 0 Number of Armed Police 19 20 # of Deputized Firefighters 0 0 # of Code Enforcement Officers Same as fire chief 2 # of Any Other Deputized Personnel 1 1 Number of EMT's /Paramedics 11 11 Number of Swimming Pools 0 0 Number of Parks 0 0 Number of Parks with Lakes 0 0 Watercraft: Yes X No Aircraft: Yes No X 31 eix 1 CITY OF OKEECHOBEE PUBLIC RISK MANAGEMENT OF FLORIDA WORKERS' COMPENSATION EXPOSURES WORKERS' COMPENSATION PAYROLL CLASSIFICATION Estimated Estimated CODE 2002/2003 2003/2004 5509 $223,621 $269,883 7704 $360,070 $326,087 7720 $593,718 $606,762 8810 $502,718 $445,137 9410 $0 $7,713 TOTAL $1,680,127 $1,655,582 WC Experience Mod 0.89 1.18 32 PUBLIC RISK MANAGEMENT OF FLORIDA CITY OF OKEECHOBEE LOSS FUND ANALYSIS RISX FACS REPORT DATED 6/30/03 PREPARED BY PRM July 10, 2003 SAFETY & DRUG FREE CREDITS WERE ESTABLISHED IN THE 96/97 FISCAL YEAR. Fiscal Year Member Contributed Loss Fund Safety Drug Net Total Credit Free Member Experience ( -) Credit Loss ( -) Fund Total Total Net Specific Experience Excess Experience (-) Net Total Experience Net Loss Fund % 93/94 0 94/95 0 95/96 0 96/97 0 97/98 0 98/99 29,700 99/00 44,100 00/01 48,715 01/02 53,797 02/03 99,779 TOTAL 276,091 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 29,700 0 0 44,100 0 2,436 46,279 1,076 2,690 50,031 2,993 4,989 91,797 4,069 10,115 261,907 0 0 0 0 0 50,389 41,483 181,351 29,420 55,037 357,680 0 0 0 0 0 0 0 0 0 0 0 50,389 0 41,483 0 181,351 0 29,420 0 55,037 0 357,680 0.0% 0.0% 0.0% 0.0% 0.0% 169.7% 94.1% 391.9% 58.8% 60.0% 136.6% NUMBER OF CLAIMS Fiscal Year Auto APD Liability Property Workers Total % Liability Compensation To Pool 93/94 94/95 95/96 96/97 97/98 98/99 99/00 00/01 01/02 02/03 TOTAL PERCENTAGE 0 0 0 0 0 0 0 0 0 0 1 5 3 2 2 3 3 1 0 1 9 12 12% 15% 0 0 0 0 0 0 0 0 0 0 3 0 1 1 1 1 2 9 12% 2 1 2 6 8% 33 0 0 0 0 0 2 10 12 6 12 42 0 0 0 0 0 11 17 20 12 17 78 0.0% 0.0% 0.0% 0.0% 0.0% .6% .8% 1.0% .6% 1.3% 54% 100% CITY OF OKEECHOBEE PUBLIC RISK MANAGEMENT OF FLORIDA MEMBER CONTRIBUTION BREAKDOWN Excess Insurance Premiums: Package Policy Excess Property - $6,771,714 Excess Workers Comp - $1,655,582 Excess Liability - $3,000,000 xs $2,000,000 Total Excess Insurance Premiums: Loss Fund Contribution @ 100 %: Less: 5% Drug Free Credit Less: 3% Safety Credit Loss Fund After Credits: w��ri1�1� Column I % Column II 2003/2004 Inc /Decr 2002/2003 $21,861 $21,354 $17,647 $13,761 $7,367 $3,385 $8,950 $8,121 $55,825 119.7% $46,621 $134,621 $99,779 ($6,731) ($4,989) ($4,039) ($2,993) $123,851 134.9% $91,797 Administration Costs: PRM Administration and Loss Prevention $6,933 $6,342 Local Consultant's Fee $10,000 $6,868 Gallagher Bassett Fee $11,612 $8,939 Workers' Compensation State Fees ** $8,765 $6,095 Total Administration Costs: $37,310 132.1% $28,244 TOTAL PRM COSTS: $216,986 130.2% $166,662 Less PRM Contribution from Surplus $0 ($6,151) Revised PRM Costs $216,986 135.2% $160,511 5% Approved Drug -Free and 3% Approved Safety Credit Available - See PRM ** State Fees are subject to change by State of Florida 34 CITY OF OKEECHOBEE PUBLIC RISK MANAGEMENT OF FLORIDA MEMBER ALLOCATION Package 21,861 Loss Fund 134,664 3% Safety Credit 4,040 5% Drug Free Credit 6,733 Loss Fund after credits 123,891 Gallagher Bassett Services 11,612 PRM Administration 6,933 Local Agent Fee (if applicable) 10,000 Total All Lines: 174,297 Property Total All Lines Excess Property Excess Crime (if applicable) Total Excess Property General Liability Total All Lines 174,297 x .100 = 174,297 Automobile Liability Total All Lines 174,297 Errors & Omissions Total All Lines Workers Compensation Total All Lines Excess Workers' Compensation State work comp fees Total Workers' Compensation 17,430 17,647 0 35,077 x .175 = 30,502 x .150 = 26,145 174,297 x .075 = 13,072 174,297 x .500 = Boiler & Machinery (if applicable) Excess Liability (if applicable) Total 35 87,149 7,367 8,765 103,281 0 8,950 217,026 CITY OF OKEECHOBEE PUBLIC RISK MANAGEMENT OF FLORIDA OPTIONAL PRM COVERAGE'S AVAILABLE grail ' Public Risk Management of Florida and Arthur J. Gallagher & Co., want to make certain that you are aware of certain coverage that is available. Below is a list of coverage and premium. Please indicate whether you wish to purchase this coverage by checking the Yes box, to purchase; and the No box, not to purchase. Please sign, date, and return to our office via facsimile to (407) 355 -0742 Coverage Available Premium Bind Crime: $250,000 Option $634 n Yes E No Crime: $500,000 Option $934 ( Yes n No Boiler & Machinery $500 n Yes 1 1 No Excess Liability Current TRIA $269 1 Yes 1 No Signature 36 Date PUBLIC RISK MANAGEMENT OF FLORIDA IMPORTANT DISCLOSURES The proposal is an outline of the coverage's proposed by the insurers, based on the information provided by your company. It does not include all the terms, coverage's, exclusions, limitations, nor conditions of the actual contract language. The policies themselves must be read for those details. Policy forms for your reference will be made available upon request. In addition to the fees and /or commissions retained by Arthur J. Gallagher & Co., it is understood and agreed that other parties, such as excess and surplus lines brokers, wholesalers, reinsurance intermediaries, underwriting managers, and similar parties, some of which may be owned in whole or in part by Arthur J. Gallagher & Co.'s corporate parent, may earn and retain usual and customary commissions and /or fees in the course of providing insurance products. Any such fees and /or commissions will be the responsibility of client and not Arthur J. Gallagher & Co. Arthur J. Gallagher & Co. does not provide actuarial services nor actuarial estimates of losses. If the excess insurer or re- insurer that provides excess coverage calculates a loss fund for the pool, it is our recommendation that the pool fully fund that amount. Further, it is our recommendation that the pool contract with an appropriately certified actuary to provide recommendations for overall pool funding, surplus and reserve funds. Gallagher from time to time enters into arrangements with certain insurance carriers or those carriers' re- insurers providing for compensation, in addition to commissions, to be paid by such carriers or re- insurers to Gallagher or its affiliates based on, among other things, the volume of premium and /or underwriting profitability of the insurance coverage's written through Gallagher by such carriers and re- insurers. In addition, Gallagher & it's affiliates provide management and other services to, and receive compensation for those services from, certain re- insurers that reinsure insurance coverage written through Gallagher by other insurance carriers. The insurance coverage's you purchase through Gallagher might be issued by an insurance carrier or reinsured by a re- insurer that has such a relationship with Gallagher or its affiliates. 37 PLEASE FAX TO THE PRM, FT. MYERS OFFICE! FAX TRANSMISSION ARTHUR J. GALLAGHER & CO. 7380 Sand Lake Road, Suite 390 Orlando, FL 32819 (407) 370.2320 To: Ross Furry Date: 08/15/03 Company: PRM Fax #: 239 - 656 -1066 From: Pages: 1, including cover sheet Subject: Renewal Payment Options Member name: Please choose a payment option and fax back to the PRM office by September 23, 2003: ❑ Payment in Full at 10/1/03 ❑ Pay Excess Premium in full at 10/1/03 and Administrative Fees on a quarterly basis. Should you need any additional assistance or information, please feel free to contact our office. Thank you. 38 PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING MARCH 11, 2005 REGULAR AGENDA SUMMARY Chairman's Items John Litton A. Election of South Representative to Executive Committee Due to the retirement of Willard Beck, nominations will be taken from the floor to fill his unexpired term. See attachments. Board Action: • (t; , South Representative B. Executive Director Evaluation Evaluation forms have been mailed and are to be returned to Mr. Litton by March 31St Guest Speaker: Gina Vega, WC Zone Supervisor Gallagher Bassett Services, Inc. A. Latest Changes in Workers' Compensation Ms. Vega will review requirements for completing the revised Workers' Compensation forms: First Report of Injury or Illness (Form DFS -F2- DWC-1 (08/2004) and Wage Statement (Form DFS-F2-DWC-la (08/2004). See attachments. 5. CHAIRMAN'S ITEMS A. ELECTION OF SOUTH REPRESENTATIVE TO EXECUTIVE COMMITTEE EXECUTIVE COMMITTEE John Litton, Chairperson Term of Office: 3 yrs. Oct. 2003 -2006 Lester Baird, Vice - Chairperson Term of Office: 2 yrs. Oct. 2003 -2005 Mike Sheppard, Treasurer Term of Office: 3 yrs. Oct. 2003 -2006 Jeff Sutton, North Representative Term of Office: 2 yrs. *Oct. 2003 -2005 Vacant -South Representative Term of Office: 2 yrs. **Oct. 2003 -05 *Mr. Sutton was elected June 10, 2004 to serve remainder of term * * Election to be held March 11, 2005 to serve remainder of term PUBLIC RISK MANAGEMENT OF FLORIDA Membership by Quadrant February, 2005 NORTHERN QUADRANT Executive Committee Representative Jeff Sutton, City of New Port Richey Town of Belleair City of Brooksville City of Crystal River City of Deltona City of Eustis City of Fort Meade City of Gulfport Hamilton County Bd. County Comm. Holmes County Bd. County Comm City of Indian Rocks Beach Town of Kenneth City Town of Lady Lake City of Lake Mary City of Lake Wales Levy County Bd. County Comm. City of Longwood City of New Port Richey City of Oviedo City of Port Richey City of St. Pete Beach City of Safety Harbor City of South Pasadena Tampa Bay Water City of Tavares City of Temple Terrace City of Winter Garden City of Zephyrhills Total: 27 SOUTHERN QUADRANT Executive Committee Representative City of Avon Park City of Belle Glade City of Clewiston DeSoto County Bd. County Comm. Glades County Bd. County Comm. Hardee County Bd. County Comm. Hendry County Bd. County Comm. Highlands County Bd. County Comm. City of LaBelle Town of Lake Placid Lee County Port Authority Town of Longboat Key City of Moore Haven City of North Port City of Okeechobee Okeechobee County Bd. County Comm. City of Pahokee City of Punta Gorda Sarasota - Manatee Airport Authority City of Sebring South Florida Water Conservancy Sun `n Lake of Sebring Impr. District City of Wauchula Total: 23 6. GUEST SPEAKER: GINA VEGA A. LATEST CHANGES IN WORKERS' COMPENSATION Revised Forms FIRST REPORT OF INJURY OR ILLNESS FLORIDA DEPARTMENT OF FINANCIAL SERVICES DIVISION OF WORKERS' COMPENSATION For assistance call 1-800- 342 -1741 or contact your local EAO Office Report all deaths within 24 hours 1 -800 -219 -8953 or (850) 922 -8953 PLEASE PRINT OR TYP RECEIVED BY CLAIMS-HANDLING ENTITY SENT TO DIVISION DATE DIVISION RECEIVED DATE D. B. A.: Social Security Number Date of Accident (Month- Day -Year) NAME (First, Middle, Last) FEDERAL I.D. NUMBER (FEIN) p DATE FIRST REPORTED (Month/Day/Year) --- D. B. A.: Social Security Number Date of Accident (Month- Day -Year) Time of Accident ❑ AM ❑ PM HOME ADDRESS Street/Apt #: TELEPHONE Area Code Number DATE EMPLOYED / I PAID FOR DATE OF INJURY ❑ YES ❑ NO EMPLOYEE'S DESCRIPTION OF ACCIDENT (Include Cause of Injury) -4- P 'w ' ,,<- ;)-14,, / r L' ) ? - i 4+ 2-1'V-. ''.' `-J&' • �' -1 1 - .;?t"-6 JJ r YS kL2,1a. .--C.w Q Hc.Gt E9 /4,1‘ ?Li WILL YOU CONTINUE TO PAY WAGES INSTEAD OF WORKERS' COMP? ❑ YES LAST DAY WAGES WILL BE PAID INSTEAD OF WORKERS' COMP 1 1 City: City: State_Zip: State: Zip: LOCATION # (If applicable) PLACE OF ACCIDENT (Street, City, State, Zip) Street DATE OF DEATH (If applicable) I / RATE OF PAY ❑ HR ❑ WK $ PER TELEPHONE ❑ DAY ❑ MO Number of hours per day Area Code Number AGREE WITH DESCRIPTION OF ACCIDENT? ❑ YES ❑ NO COUNTY OF ACCIDENT OCCUPATION Number of days per week Any person who, knowingly and with Intent to injure, defraud, or deceive any employer or employee, insurance company, or self- insured program, tiles a statement of claim containing any false or misleading Information commits Insurance fraud, punishable as provided in s. 817.234. Section 440.105(7), F.S. I have reviewed, understand and acknowledge the above statement NAME, ADDRESS AND TELEPHONE OF PHYSICIAN OR HOSPITAL AUTHORIZED BY EMPLOYER ❑ YES ❑ NO INJURY/ILLNESS THAT OCCURRED PART OF BODY AFFECTED DATE OF BIRTH / I SEX ❑ M ❑ F COMPANY NAME: FEDERAL I.D. NUMBER (FEIN) p DATE FIRST REPORTED (Month/Day/Year) --- D. B. A.: Street: NATURE OF BUSINESS POLICY/MEMBER NUMBER City: _ State: Zip: TELEPHONE Area Code Number DATE EMPLOYED / I PAID FOR DATE OF INJURY ❑ YES ❑ NO EMPLOYER'S LOCATION ADDRESS (If afferent) t: Street LAST DATE EMPLOYEE WORKED / / WILL YOU CONTINUE TO PAY WAGES INSTEAD OF WORKERS' COMP? ❑ YES LAST DAY WAGES WILL BE PAID INSTEAD OF WORKERS' COMP 1 1 City: State_Zip: RETURNED TO WORK ❑ YES ❑ NO IF YES, GIVE DATE / / LOCATION # (If applicable) PLACE OF ACCIDENT (Street, City, State, Zip) Street DATE OF DEATH (If applicable) I / RATE OF PAY ❑ HR ❑ WK $ PER ❑ DAY ❑ MO Number of hours per day City: State: Zip: AGREE WITH DESCRIPTION OF ACCIDENT? ❑ YES ❑ NO COUNTY OF ACCIDENT Number of hours per week Number of days per week Any person who, knowingly and with Intent to injure, defraud, or deceive any employer or employee, insurance company, or self- insured program, tiles a statement of claim containing any false or misleading Information commits Insurance fraud, punishable as provided in s. 817.234. Section 440.105(7), F.S. I have reviewed, understand and acknowledge the above statement NAME, ADDRESS AND TELEPHONE OF PHYSICIAN OR HOSPITAL AUTHORIZED BY EMPLOYER ❑ YES ❑ NO EMPLOYEE SIGNATURE (5 available to sign) DATE EMPLOYER SIGNATURE DATE - HANDLING ENTITY INFORMATION ❑ 1(a) Denied Case - DWC -12, Notice of Denial Attached ❑ 1(b) Indemnity Only Denied Case - DWC -12, Notice of Denial Attached ❑ 2. Medical Only which became Lost Time Case (Complete all required information in #3) Employee's 8TH Day of Disability Entity's Knowledge of 8TH Day of Disability ❑ 3. Lost Time Case - 1st day of disability / 1 Full Salary in lieu of comp? ❑ YES Full Salary End Date Date First Payment Mailed / / AWN Comp Rate ❑ T.T. ❑ T.T. - 80% ❑ T.P. ❑ I.B. ❑ P.T. ❑ DEATH ❑ SETTLEMENT ONLY Penalty Amount Paid in 1st Payment $ Interest Amount Paid in 1e Payment $ REMARKS: INSURER CODE # EMPLOYEE'S CLASS CODE EMPLOYER'S NAILS CODE SERVICE CO /TPA CODE # 8008 CLAIMS - HANDLING ENTITY FILE # INSURER NAME CLAIMS HANDLING ENTITY NAME, ADDRESS & TELEPHONE GALLAGHER BASSETT SERVICES, INC. P.O. BOX 1880 FORT MYERS, FL 33902 -1880 TELEPHONE: 239-334-3333 FAX: 239 334 4144 TOLL -FREE 800-541 -3322 Form DFS-F2 -DWC-1 (08/2004) WAGE STATEMENT FLORIDA DEPARTMENT OF FINANCIAL SERVICES DIVISION OF WORKERS' COMPENSATION NOTICE TO EMPLOYEE: If you have any questions about the information contained on this form, please contact your employer or claim - handling entity. If further assistance is needed, contact the Division's Employee Assistance Office at 1-800- 342 -1741. PLEASE PRINT OR TYPE RECEIVED BY CLAIMS - HANDLING ENITY SOCIAL SECURITY NUMBER EMPLOYEE NAME (First Middle, Last) DATE OF ACCIDENT (Month-Day-Year) EMPLOYER NAME & ADDRESS CONCURRENT EMPLOYER NAME & ADDRESS (If applicable) ARE THE WAGES LISTED BELOW FOR A SIMILAR EMPLOYEE? _❑_ YES _❑_ NO SIMILAR EMPLOYEES NAME TELEPHONE TELEPHONE OCCUPATION OF SIMILAR EMPLOYEE EMPLOYEES CUSTOMARY WORK WEEK EMPLOYEES CUSTOMARY DAYS WORKEDANEEK EMPLOYEES CUSTOMARY HOURS WORKED/WEEK EMPLOYERS CUSTOMARY WORK WEEK (ex. Saturday thru Friday - Use 7 calendar day period) (ex. 5 days / week) (ex. 40 hours / week) (ex. Saturday thni Friday - Use 7 calendar day period) NOTICE TO EMPLOYER: Please read all instructions on the back of this form carefully. Complete the form as fully as possible and submit 8 to your claims - handling entity within 14 days after knowledge of any accident that has caused your employee to be disabled for more than 7 calendar days. If you discontinue providing any fringe benefits, you must file a corrected Wage Statement with your claims - handling entity within 7 days of such termination, reflecting the type and amount of fringe benefits that were paid, and the last date they were provided. Please Ilst wages earned for the 13 calendar weeks (Sunday through Saturday) immediately preceding the accident Do Not Report Any Wages Eamed During The Week of the Accident — Use The 13 Calendar Weeks Immediately Preceding The Accident GRATUITIES AS REPORTED TO THE EMPLOYER IN WRITING AS TAXABLE INCOME FRINGE BENEFITS (employee reed) EMPLOYER COST ONLY WEEK NO. WEEK # OF DAYS WORKED THAT WEEK # HOURS WORKED THAT WEEK GROSS PAY HEALTH INSURANCE RENT/ HOUSING FROM TO 2 3 4 5 6 7 8 9 10 11 12 13 RETURN THIS FORM TO: GALLAGHER BASSETT SERVICES, INC. P.O. BOX 1880 FORT MYERS, FL 33902 -1880 TELEPHONE: 239-334-3333 FAX: 239-334-3144 TOLL -FREE 800-541-3322 TOTAL (FOR WILL EMPLOYER CONTINUE TO PROVIDE ABOVE BENEFITS? TOTAL TOTAL OF GROSS PAY, GRATUITIES CLAIMS- HANDLING ENTITY USE ONLY) _El YES_0 NO ❑YES_ ❑NO FRINGE BENEFITS AND FRINGES $ $ AWW COMP RATE Any person who, knowingly and with intent to injure, defraud, or deceive any employer or employee, insurance company, or self- insured program, files a statement of claim containing any false or misleading information commits insurance fraud, punishable as p ovided in s. 817.234. Section 440.105(7), F.S. PREPARER'S NAME TELEPHONE# DATE orm DFS- F2- DWC-la WAGE STATEMENT REPORTING INSTRUCTIONS General: Florida law requires disabled employees to be compensated at a certain percentage of their average weekly wage. If the injured employee worked during "substantially the whole of 13 calendar weeks' immediately preceding the accident, the employee's average weekly wage is one - thirteenth of the total amount of wages eamed during the 13 calendar weeks. The term "substantially the whole of 13 calendar weeks" means not less than 75% of the total customary full -time hours of employment during that period. NOTICE TO EMPLOYER: Please read all instructions on this form carefully. Complete the form as fully as possible and submit it to your claims - handling entity within 14 days after your knowledge of any accident that has caused your employee to be disabled for more than 7 calendar days. If you discontinue providing any fringe benefits, you must file a corrected Form DWC -1a (Wage Statement) with your claims- handling entity within 7 days of such termination, reflecting the type and amount of fringe benefits that were paid, and the last date they were provided. • DO NOT combine wages of two or more employees, • Calendar Week: means a seven -day period of time, which starts on Sunday and continues through Saturday. Week of Accident — DO NOT report any wages earned during the week of the accident. Use the 13 calendar weeks immediately preceding the week of the accident and start with the most recent full calendar week before the week of the accident. For example, if the accident occurred on a Wednesday, then week No. 1 should begin the preceding Sunday and end the preceding Saturday. Reporting Gross Pav: Complete all columns as applicable. Report the actual gross earnings of the injured employee for the consecutive 13 calendar week period immediately preceding the accident. The 13 calendar week period includes Saturdays, Sundays, holidays, and other non - working days. Remember to include all overtime and any bonuses paid during the 13 calendar week period. If the injured employee was not employed for you for approximately 68 days during that period, enter the wages of a similar employee in the same employment who was employed for approximately 68 days of the 13 calendar week period. DO NOT combine wages for two or more employees to yield wages for the 13 calendar weeks. The spaces immediately following week #13 are to be used for reporting the wages earned in a partial week when requested. Reporting Gratuities & Fringe Benefits: Gratuities reported should include only those gratuities reported to the employer in writing as taxable income received in the course of employment from others than the employer. The reportable value of a fringe benefit is the actual cost to the employer for the benefit furnished. The only fringe benefits that can be included for dates of accident occurring on or after 07/01/1990 are employer contributions for health insurance for the employee or the employee's dependents, and the reasonable value of housing furnished to the employee by the employer which is intended as the permanent year -round housing of the employee. If you have questions or need assistance in the completion of this required form, please contact the claims - handling entity listed on the front of this form. Form DFS-F2 -DWG1a (08/2004) Robbie L. Chartier Deputy County Administrator Okeechobee County 304 NW 2nd Street, Room 109 Okeechobee, FL 34974 RE: South Quadrant Executive Committee Membership To PRM Board Members: As there is a vacancy on the Executive Committee in the South Quadrant, I would like to request consideration for the position. I have been actively involved with PRM since 1998. In my nearly seven years as Deputy County Administrator for Okeechobee County, it has been my responsibility to ensure the best coverage for my organization. I have upheld the mission of PRM and its goals to maintain Okeechobee County's membership. While Okeechobee County has required staff to bid out insurance coverage every two years, it has been my responsibility to analyze the bids and prepare a recommendation for the best coverage for our County. I have had the opportunity to explain the benefits to both our commissioners and our auditors being a part of an insurance pool as compared to single entity coverage. Since the 2004 renewal and the hurricanes, Okeechobee County is becoming a believer in the insurance pool. I have a Master's in Public Administration and a BA in Accounting. My primary functions as Deputy County Administrator involve Budgeting, Financial Analysis, Risk Management, Human Resources and grants. Prior to working in Okeechobee County, I was a Budget/Management Analysis for Charlotte County. With my education and work experience, I believe I would be an asset to the executive board and provide forethought and insight in the area of risk management and financial skills for the future of Public Risk Management. Sincerely, Robbie L. Chartier 2017 SW 67TH DRIVE • OKEECHOBEE, FL 34974 • PHONE 863 -467 -5043 ROBBIE L. CHARTIER OBJECTIVE Deputy County Administrator PROFESSIONAL PROFILE Practice of public administration with emphasis in budgeting, management analysis and accounting for past 14 years. Excellent analytical skills, including organizational structure and management process analysis. Strong interpersonal skills including oral and written communication skills with all level of management and the public. Staff supervision and delegation of duties. Success oriented with high energy and a positive attitude, problem solver, team player with ability to work independently, enthusiastic, creative, flexible and computer literate. EDUCATION FLORIDA GULF COAST UNIVERSITY, FORT MYERS, FL Master's in Public Administration, 2002 UNIVERSITY OF SOUTH FLORIDA, FORT MYERS, FL BA, Accounting, 1996 PROFESSIONAL EXPERIENCE COUNTY OF OKEECHOBEE, FL Deputy County Administrator, June 1998 - present Administrator of Finance, including annual budget development of the $77 million total annual budget. Responsible for overseeing policy development and formation for organization. Staff supervision for Recreation & Parks, Library, Outreach Services, Housing /Grants and Tourist Development. Management of Risk Management, Human Resource, Special Assessments, Purchasing, Contract Management, and Grants. Enterprise Zone Coordinator and Public Information Officer. COUNTY OF CHARLO'1 "1'E, FL OFFICE OF BUDGET Budget/ Management Analyst, May 1996 June 1998 Annual Budget Development of the $335 million total annual budget, which has received the GFOA Distinguished Budget Award for 7 years, through teamwork. Exclusively responsible for $157 million through communication and training of departments in budgeting policies, benchmarking and performance measures; Coordinator for the management and development of the $175 million five year Capital Improvement Program through review of projects, staff supervision and presentation of program to CIP committee; Management analysis of activity based processes by reviewing, documenting, and recommending improvements for efficiency and effectiveness of county services, completed Health Insurance Program analysis and Library Book processing analysis; Budget Management of Public Works Department, MSBU /TUs, Risk Management and Human Resources through review and analysis of revenue, operating expenses and performance measures; Serve on Team for negotiating Developer Agreements and Orders in relation to level of service for road impacts; Projects: Developed a capital improvement policy and vehicle replacement program. Assistant Budget Analyst, January 1994 April 1996 Budget Management of Public Works Department, MSBU /TUs, Park & Recreation, Environmental Services, Judicial System and Facilities Mgmt., through review and analysis of revenue, operating expenses and performance measures; Annual Budget Development of the $395 million total annual budget, was exclusively responsible for $76 million through communication and training of departments in budgeting policies, benchmarking and performance measures; CIP analyst of the $248 million five year Capital Improvement Program through review of projects, Projects: Developed a concurrency management report. COUNTY OF CHARLO I E, FL, PUBLIC WORKS DEPARTMENT Accountant I, October 1990 — January 1994 Prepared and monitored the department's five -year Capital Improvement Program, ranking and prioritizing all department projects totaling $71 million; Prepared and monitored the departments budgets and work programs for the Municipal Benefit Service Units and Taxing Units (MSBU /TUs) totaling $42 million, through assisting in the development of labor and overhead rates; Assisted in the development of a reorganization of the department; Coordinated the development of the department's accounting information system; Served on Fleet Management Committee tasked with contracted versus in -house services; Prepared FEMA report for rainfall flood disaster in 1992, recognized by the Emergency Management Director for excellent record keeping and tenacity in seeing the job through; Prepared Financial Reports of MSBU /TUs for citizen advisory groups. NEWELL WINDOW FURNISHINGS, FREEPORT, IL Associate Cost Accountant, September 1988 — June 1990 Senior Payroll Clerk, May 1986 — August 1988 PROFESSIONAL MEMBERSHIPS Government Finance Officers Association Florida City and County Management Association ICMA Credentialed Manager Candidate Jane Long I have been employed with Hardee County for 18 years, serving as the Human Resource Director for twelve years. Since being appointed to serve on the PRM Board in April 1993, I have made it a priority to attend each and every Board meeting. I have had the pleasure of working hand in hand with the Public Risk Management team, contractors, and the excess carriers in restoring our community after the devastation we received during this past hurricane season. Along with the knowledge of risk management and insurance matters, I also have prior experience which includes a background in finance, health insurance claims, and customer service. Hardee County has been a member for the Public Risk Management Pool since 1987. I am dedicated to the pool and will continue to work diligently to ensure continued growth. WAGE STATEMENT FLORIDA DEPARTMENT OF FINANCIAL SERVICES DIVISION OF WORKERS' COMPENSATION ,NOTICE TO EMPLOYEE: If you have any questions about the information contained on this form, please contact your employer or claim - handling entity. If further assistance is needed, contact the Division's Employee Assistance Office at 1- 800 - 342 -1741. PLEASE PRINT OR TYPE a< RECEIVED BY CLAIMS - HANDLING ENITY .7,n-d, '', .�,,,," I . MJIVIIJr -n tMYWYtt NAME (First, Middle, Last) DATE OF ACCIDENT (Month -Day -Year) EMPLOYER NAME 8 ADDRESS CONCURRENT EMPLOYER NAME 8 ADDRESS (If applicable) ARE THE WAGES LISTED BELOW FOR A SIMILAR EMPLOYEE? ' YES NO # HOURS WORKED THAT WEEK SIMILAR EMPLOYEES NAME TELEPHONE TELEPHONE OCCUPATION OF SIMILAR EMPLOYEE EMPLOYEES CUSTOMARY WORK WEEK EMPLOYEES CUSTOMARY DAYS WORKED/WEEK EMPLOYEES CUSTOMARY HOURS WORKEDNVEEK EMPLOYER'S CUSTOMARY WORK WEEK (ex. Saturday thru Friday - Use 7 calendar day period) _ (ex. 5 days / week) (ex. 00 hours / week) (ex. Saturday thru Friday - Use 7 calendar day period) NOTICE TO EMPLOYER: Please read all instructions on the back of this form carefully. Comp ete the form as fully as possible and submit it to your claims - handling entity within 14 days after knowledge of any accident that has caused your employee to be disabled for more than 7 calendar days. If you discontinue providing any fringe benefits, you must file a corrected Wage Statement with your claims- handling entity within 7 days of such termination, reflecting the ype and amount of fringe benefits that were paid, and the last date they were provided. Please list wages earned for the 13 calendar weeks (Sunday through Saturday) immediately preceding the accident. Do Not Report Any Wages Earned During The Week of the Accident - Use The 13 Calendar Weeks Immediately Preceding The Accident GRATUITIES AS REPORTED TO THE EMPLOYER IN WRITING AS TAXABLE INCOME FRINGE BENEFITS (employee recd) EMPLOYER COST ONLY WEEK NO. WEEK # OF DAYS WORKED THAT WEEK # HOURS WORKED THAT WEEK GROSS PAY HEALTH INSURANCE RENT/ HOUSING FROM TO 1 2 3 4 5 6 7 8 9 10 11 12 13 .. RETURN THIS FORM TO: (Claims - handling entity Name, Address 8 Telephone #) Inc. Gallagher Bassett Services, P.O. Box 1880 Ft. Myers, Fl. 33902 239 - 334 -3333 TOTAL WILL EMPLOYER CONTINUE TO PROVIDE ABOVE BENEFITS? YES NO YES NO TOTAL FRINGE BENEFITS TOTAL OF GROSS PAY, GRATUITIES AND FRINGES $ $ (FOR CLAIMS- HANDLING ENTITY USE ONLY) AWW COMP RATE \ny person who, knowingly and with intent to injure, defraud, or deceive any employer or employee, insurance company, or self- insured program, files a statement of claim containing any .alse or misleading information commits insurance fraud, punishable as provided in s. 817.234. Section 440.105(7), F.S. PREPARER'S NAME TELEPHONE # DATE orm UFS- h2- UWC -la 08/23/2004 10 :53 FAX 23£+ 788 4813 August 19, 2004 LCPA PURCHASING PU C RISK MANAGEMENT OF FLORIDA 3434 RAIYCOCK BRIDGE PKWY, SUITE 203 FORT MYERS Fly 33903 To: At PRM Members h 01 1 All members have been contacted end Gallagher Bassett adjusters are conducting physical inspections at each location. They will prepare damage assessments and tttn those over to Marshall Austin at CJW Associates, the iuJiusring Emir] for the excess property canner. You should make temporary repairs: as needed to mitigate any fluter damage to property. 1Ccaep ,xll invoices for minor repairs and have available Tor the adjuster. Members in critical areas will be priority. You are reminded that due to the emergency situation, it is not neccssury to go through the bid process for repairs as provided by Florida Statute. Please be advised, TX) NOT HIRE ANY OUT Or STATE CONTRACTORS. S. Once the Ga,Ilegher Bassett adjusters have completed their initial assessments, Mr. Austin mad his team will be working with you until conclusion.. Marshall Austin can be reached at cell phone 11407 -701 -9013_ His office phone #R U- 685 -0726 and fax #813- 685_0351 Please call mina tardy if necessary. You can continuo to reach PRM staff at the phone numbers provided to you. We will do our best to keep you updated for the duration orate recovery efforts. PRM Tetnporary Office Phone/Fax: 239 -995 -5160 Rose Furry: Judy Hearn: Rob Ross: Butch Derab: Frank Shore: 239441 -4864 239-841-0104 239410 -0003 239- 839.7786 239 - 594.6608 Although we can't occupy our office, you can still send mail to that locution as 1115 being picked up daily. C--)1"iir-1(ItaA4 Judy Hearn Assistant Executive Director & Secretary J H: smb Public Risk Management of Florida 3434 Hancock Bridge Parkway, Suite 203 North Ft. Myers, Fl. 33903 July 9 2004 To: PRM Board Members & WC Staff From: Hearn, Assistant Executive Director Secretary, Board of Directors Re: Fl. Dept. of Financial Services The State has recently issued another series of "hypothetical penalty" letters to self insurers in the state. The letter outlines their audit of a particular month in which a fine could be assessed for untimely payment and/or late submission of medical reports to the state. Gallagher Bassett Services & Genex Services are aware of the mailings and are working closely with the State on implementation of the new regulations. The Division /State has just approved the EDI medical rule effective July 4, 2004 and the rule is now in the test stages with all managed care companies. Gallagher is monitoring this process to assure compliance by all companies that they partner with for managed care. The staff at the Ft. Myers office recently went thru training on the new procedures to assure compliance. If you have any questions or require a response to the hypothetical letter, please contact Gina Vega, WC Supervisor, Gallagher Bassett Services at 727.796.6929, ext. 280. 3DVIN3OM3d 0 e 0 V e 0 0 D - O O O O 0 cO CO 0 0 c000 r co N o co co -4 0) ccn . CO 0 0 0 0 0 CO c0 c0 c0 CO C0 43. 0)N O 0 00 V CA cn. 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Gallagher Centre, Two Pierce Place, Itasca, IL 60143 ADMINISTRATION N 0 0 N VO NN NW (0 M N � 0:1 O i 00 0I0 00 O O 0 :':1;:;01 0 00 00 00 00 N co N u! O 04 1: 0: a ii N 1: 1 : .- 1 ,- 1:: , O) I:NI wf0, 1000 NW 4110 4-01000)44 'C0 0 W0 O+0 l0.-01 0 In V 1 SR 1111"."! 0 0) a {@ CO 1 40 : : co 03 III 0 11::0) 4 11 1i .: 0 0 1`0 0 4 0 O O 0 ::?:::::0. 0 1 0 O 0 0 00;000 u:0 11 11 I'I 11 11 11 000 1130 000 44 0::: .0::000 00:0 0 o g.<;a.... N: . . 01 l 4 4 : : : . 0 . ;- 0 :1 0 cit co 4 r: N ;:1 IC (ONO ) � . N 4G. >► N:: 0 0 0 0::0 0 0 OF OKEECHOBEE N 0 1 V F tel: )11:: O :;W 0 1 a (9 0. W QM I- ° < • W O Z :: Z:; • :;wl- Jlu...:: 11: :J.+aa; Cd O 0JUZ 0 4. :a1 -41 -4O 41.:: Y J Q }U: Ji Q 1.1 = N :: Q: N W 0 N J a W 0: Ina 4 - In o O AG :: 4-:: la Immo r-0. 04.1 X;: 0 0 ENO O N t- CI V aO H o 0 N 0 Q O. N O OF FLORIDA a cnO U1 C 0 7 0 O 0 0 4 CC >. Y a z 0 WO) N N 0 0 uJi> 0ReCC 1.4 In tn 14.j :0 W 3 0 0343::M o Z octr (l4 Z 0. :4 ?• ) E) J O W :RV: GALLAGHER BASSETT SERVICES, INC. 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W 0 :.: F. :.:.:::.:.10.:1=1: Y H tO W Y 1- 01-O! 02:CY t� ' 3 r". 7: 3 • P Z SUMM Ill CO Q re W a 000 :N 0)04000 •II O NQ P:: CO u CO00C CV II 001010) W u 01 et et 11 11 1 1 1 1 • • 11 u 0 0 0.0.0 II 0 II II 11 11 11 N t?2 N a 0:' Im u N >: N J Q rrrr € w 1- Q O >- w J t1a w 14,11•11::::,,,:, O mV1.J 0 1- IXJ1 -.:V) J a <Ot:tY {Y. 11IJ:W 0pWaY FI-20:a QaR7iL:3 N ONn CC O n0•- in CC 0 O a 3a N 0 Y LC 4 D IA 0 0 0 J 0 co O O N 54 4 a OF FLORIDA J fa:/t W:U) 4 w: o N J:+( s o o E- C) N 4 O o >: 0O m... ET? w > { =: C) d' • E- 5 i -Y++ 5 f Le Y7 • w i•)r In IA- 1-1 E t x to w of O C) N O .V+0Q0�0J J m 0 1 a v uWi 15 0 IX z >),4OWC) : WZ ..+CO t/) awoo �: 1W" O Q tK o. Z a-) N M r1 Lly E I iR O iKltCu <Zo. 9^ >C)J0W :W O Q.:Ft: Y C) GALLAGHER BASSETT SERVICES, INC. Gallagher Ceritre, Two Pierce Place, Itasca, IL 60143 DEPARTMENT W M J O LL N N 0 n O hATIr N O N0)•U) [0 0�— M 0 +C [R w M CO 0:0 0 0 0:O O O O O O O I N 0) • O 010 • 0 .0:; 1 O O 0:1 0 O O 1 N 1 C) • 10 10 I • a O: 1 0 n �;v N 0 »: ::C):: 1 as N0)UJr• a0; ti7:: 1 CO ::►!: N If1::>: 1:: I N 0,I O . n Z Z : • OZ LL CC 5 0 M5 0 LL 0 J 0 rn 4 tA: CC F- 0 f 0 3 n 3: 00 0 0! 0Q O'- 00 00 O N M 0 0 0 0 C: is 0 0 0 0: OON N. DO o) cw Cl ) ...N r: — N (i 0 0 C: 0 0 0 (0: FOR UNIT - 047 -0522 J 4 H 0 H LC ILI ZLC ILI C7 3 ......................... ......................... ......................... ......................... CITY OF OKEECHOBEE COVERAGE SUMMARY FOR 047 MO0 a u r. N CO 0. to a, a iv OM wN II 00 + - W 11 w CO 11 O 0:0 000 0.00 0 c ::0 0 0 11 0 0 11 • u 0 0 0 11 0': 0 0 11 0 • • II 0 :0::0: 0::0'0 0 0 11 II 0 11 r: r 11 �. Z O Q rA z W a 5 0 0 K 0 IX IX 0 O. 3 4 4- Q N N N Cs C O NO CtO O N 0 3 n. 0 OF FLORIDA M N If) 0 0 U 1-1 O Z ▪ >: O 0 0 0:: ▪ CO CO > m a • x 4 Z.: U 0 O In: :: 0) U) Nm0; —0J:: t- 0 CZ IX 0 W (.1 1-1 IX 2 W M: az° P4 H t': azo° J O W a;1U2 R 1J:: GALLAGHER BASSETT SERVICES, INC. DEPARTMENT W 0 J 0 0. N N 0 0t:0 mO N0 0 Gallagher Centre, Two Pierce Place, Itasca, IL 60143 000 00,0 0 O 0 o. o: 0:0 0 00 O 0 Nii 0 O 41519.96 0 0:0'- II 0 00;0 II 0 -: II 0 0 ::,0 II 0 0 00;0110 0 0::r .:0p: 11 0 :0 u II • s':11 N lit Cs II co n 0 0 ) : 0 " 1 In oomoNn co 11 • N C0< n 11t 01 00 0.. :: II 01 M Lou' I- N:: 01 II 0130 0 ,, a F* N w O N N 0 0 TOTAL FOR UNIT co N M ONI'- C ••0 M V a 0 Lr 0 O CC -a 0 OF FLORIDA Q N 0 0 (/) C 0 3 0 I- M Z LL M O 0 N .+Q a 0. GALLAGHER BASSETT SERVICES, INC. Gallagher Centre, Two Pierce Place, Itasca, IL 60143 CO #n Z OJ J Q.H Q WE Z vr:*+: CO o 0Q: O N +1 N 0 O - CS <: 0.•. 0 I- • s CO 00)) O Z U O tl) : ::: O 1!) y CO —0 -J M In 0 0 0i0 0 E O 1- W Z O I> a - 0 0. o> .- 'um :Z 0J 1.1 N 0Q 0 a NOG 0 0Z t7 er 0 eF!1. 0 1' O CI) > 11 O ({):; II (0 CO II CO 12) II OD Q, II 0 11 0 II • II 0 •O11 0 • II • d:' II Q: 11 0 0 11 0 0 11 0 11 0 N ONN CC •• O CO v 00o Cto 0 NOW° �4 3a 0 Q In 0 0 H N 10) 0 3 J 0 I- Nf Z (L O otn a Q Y a OF FLORIDA • z z re YU to LL M to 00 J 03 0 1-: >tn m Q 0U Y N O Z 0 0 1- > m. m ▪ • ct ca ¢: x ▪ Z U 3: 0 CO 0 (/) CO 0 GALLAGHER BASSETT SERVICES, INC. Z W i H Q a W 0 W 0 J 0 a N O N 0 0 0 0 O 0 0 O 1 >0 O t:::::0 O 11 0 O 11 0 • II • Q` 11 0 II O 11 0 0 11 0 : >11 • 11 0 11 0 II • Q: 11 0 X71;11 0 t11. 11 0 ! 11 0 11 • 11 0 (/1 Gallagher Centre, Two Pierce Place, Itasca, IL 60143 - MOO 0MN v! CC O Z w n a - U NO w Q :Z o J Q W CA 0 0O: O O .. w N W W O. 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Z O Z J Q w _OOQ JO: C70FLL U0 1. 0 Q O * >• I-JZ ' 0 -F :::0 :a: C') 0 N F C 0�JCI: 0 > ii. i+ W O N ZCZ 0a Ill /.1: O: r * 0 J X 3 J11::::::::::\ ,- Z I••1 ii . l`• 0 O 4 F$Z CCU) 141::4.O1'. J W"," UO Z :43:0' OQtl J GALLAGHER BASSETT SERVICES, INC. Gallagher Centre, Two Pierce Place, Itasca, IL 60143 OF FLORIDA Iy av >H440 (0.,l W:Z: .1-1 (A :.jOoO >w 0 W m 0 000.0. 10 1- 0 _0 reA tA 4 ix 0. >>• QJ O W JUNG: LOCATION *apco * M M *:::e4:1•4 *m1 :* <d' c N 0. L O c 0.0 IZ O C 4, L .0 X le WZ O(0 N N N 0 0) J0.7 0I-U) 0 N O. O el 00J 0 001 CO CO 0 0 E CO O W 0 ++ ' -> 0N1- O M 0 K: LL X :0 CA * w.. M * J * U : -.:. w * U Q *0 :W i :0 U *0 0 Z :1/1 CI * W 4. :::�3M * W :: 0 0 Z I * 0 .0:0. ° 0) * &-O 1 0 Z-:-::: -.. * LL 1•1 1 : > (5 O ZN *JO.0 N Vl 3* I- . > =O:NN 0. Z *w 0001.0 C 0 4 C * U *. LL O U * £ p. OTV * O 4l E EZW` 1 I 00�iJ: 1 * Q 4 1 O Z W ::.3 * C)NU4C> 10 ::N * o ,- ..1 41++W0.W <0J * pLL >O >0.2. >OLL * F : :Na(0ILW ? 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W J (I)O: 0 '.i-. 110 2 W C ' 0 ...;at CZ 7 3 1z -1 M I/1 4Q: a fA Z.: M I- vlvl? f:i >:2aC1 aa::: Z0 J Z < (1) -.0 0 Iy n M •-0 00af CZ IL 0.Q 0 vWZ O • 00 N at pc 14 L7: O 1• I. >LO a0 CIA 0 lh000 I-JZ }• tct w t�QM0(1) O O C) O 1-1 J M: N O W 11,:++WOh1: UO.Wrt: OC 1-R 0 J iY Z1-1,4( tq t7Ow<Z #r <1-Z W e O P J 113 g010 . 00U) • 1- to 11- w � to N H D: 03 0 a 0 M 04 N 0 0 0 C) 1-1 U) LU W100 a. ZWIX ▪ o. J O 0(n cc GALLAGHER BASSETT SERVICES, INC. W 0 Z W W a x W W > tY W N W t W a 0 0 1• W a r 1- fn Q 1- W W a 0 0 J 0 0 t. * LOCATION 0 04 O) * * J a 0 0 0. I- \ 0 4-4:: lit F ■o Lf a::0 W.: 2:0.0. 00 O O M O O M 0 er 0 M J a 1- O 1- * V Gallagher Centre, Two Pierce Place, Itasca, IL 60143 li- C.1 M 1.4 W y 4 o f a o a° Z M 0 Z cI1 :•5 Z Au Jto -i 01 ;1•+ (0 41 'i W '-'.4- : ; •G 0 . 5::0 73 ::1- 0 ID C H L! t1 0 ': 0 110 N t/1 :�::tl0 N :2 4 1- 1 ;0 6W- 1 E 4 .0 H O b i a .0 fn NC O 0N E Z .- 01 I 4 Z-:::::.. K (A 01 N t0 ++ I"..-.... 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V1 U 1 "1 1 t11 O O W 4 :_1 ;JLw_I0. -,1:1,'C O' U VI 1::- 1 1 4 1 1 0 M U Z M CL 0 0 W V1 0 1/1 0 U C 0: 3 _ 3 4 Q CO CA Z 0 fJ VQ I--0 U LL Z z Q Xi1 -0 0 '-0 OF FLORIDA GALLAGHER BASSETT SERVICES, INC. Gallagher Centre, Two Pierce Place, Itasca, IL 60143 �rt M 0QZ W 0 J 0. Q U W : W Z X > 0 CO3! 0 0 :: N awi40Z-I ]L.. OOQ u.Q0Q0 Q 134 O C.3 C7 :.:F•JZ , t3 -1- U Qr Cr1 0 Vl • 1OOM Z 4 N M Z� 00.W re tC (-1 0 J YO W ti .- fa+ D:Vl w#Or —JW V1 ZOO,-00 M Ce .. .. -I m 0 0.0 W••.Z:O O.' >1-14.0 0 W :Z:1Y M N J:M01Ce >LLJ p NEW o. Cl 0a ll. o 13; N 'Z;"F�i W W N Q' 1/11 -1 I- 0 o :tE 4f 4 O: 0. )->.0 10YJ 0 a.:0.:1:UVt0: W U Z W a W 0. x W W W Vl W W a 0 1- W 0 V1 a 1- Vl W Q 0 LOCATION *: *I: :* * * 0 O O 0 r- 0 0 01 N J :*:13,01 0 *C0M * L C Z *0 :-0 *4 LtZ M O r 0 0) 1-:0c0 0 Q. .: Zi303,- 0: >.r3 11,1 Q e* F- 4J:: 10 H Q� IL:: f`ti\ - JC,T•f43 : -. 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'ti::::::::::: 4.:10::::::::::::: � rl w a : I Z_x0 QuJ ZM' :Vl 1 1-Z 0:-.0,:-..-•:.--?:::: 00 C7 Y U 1 % 1 1Z-1 F J0,1:::::::::: ^ Q W LL : in +3_: m : ::+' J .. + Z m ++1- ++mw0:: :0 :01::::::::::::: mWW • : 10 N > : : 1 (0 C: F- 40LW0�t7 0 O::0V)0 : .+ 1-1 Z +■:_. 0 0-010:a:::: 1 0 +' 1A: O.v1 C1:(0 Z0: :10 131/=3 WO W: E GI ++ 0.t:•:--.:N. 111:41.+!.:4+ D: 0 111 ! •.- +■ .- 1-0::.:::: :0 0 -. C . C7 ....1:1,.,:::::::C.:: C •- 3 11,1 W : : N J 0 .- r- 0: 3 F- W r+:Q CO Vl: :NLLQ4UU:f0W :- 111A:::::::::::0 ••O 01 F•' C0:00100JW: :: F- -0'113,0007F- 1/J :: O cq 0 rn ►•J 1/1: : r V/ 3 J 01::r : rn CO 'ti:': N:r00xM:; e- \3Nr00M0 ::: WjN::rC)0 .. ;: CO et 94*131..0WI- N iLit1°` ::W w N r Um 0 1- :: JaI 0= 1 VJJa:OI - m r 40 vdF•v1zo. O U: W 1411-1 Um: m V1 4-040w F- vl Z?0. 0 OF FLORIDA IL' O! 0 0 a�! 41 1F: tn: 4: 0: 1--: *1 z 1!, +: 0 0 1- Z K N h I-1 1A N 03 0 M � J a0 01 N 0 _ 0 to 4 J U 0 W to O J U N U 0 W • J Z 4 M 1 0 1 0 * W 0. O W LIJ 104 ZO0- W W M • tn C3 OOW C0(n 1 I Q 1 1 0 CZ CL O O W to 0 J U U 3 o) Z W 240 ZOJ mz< W -O 0 NMZ • UQ U 0 4 v) 0 Z M • M ILI 4% ILI 0.401 > W 000 0 0 e- M °40 U 0 0 0 -1- 0• 0►i O 1.4 J ▪ W O 00.W O M o4I- N J W '-U0 O 0 M (n IL 03 0 O.0 F- < 0. J 0 W UInK W N 0 H z *Z4 GALLAGHER BASSETT SERVICES, INC. Gallagher Centre, Two Pierce Place, Itasca, IL 60143 W U Z fY W 0. X W W N W 4 O 1- W 0. > 1- rn 1- • 1- rn 4 O O J to U 0 M W 4 Z CC 1.4 > 0 * • J U to 0. U LOCATION *: ?d' F: 01 C 10 1. 0 v 0) C 0 0) O >. O • al M 7 0NY N CO Q -(M0 rn 0 If) ICJ N _Ian �›- trl 10: W: 3. 0:: O. 0::; '4 J 0 W W:: 0 tLL1: Q Z: In O O to 0 0 et O N N O M 0 v O) M J 4 1- O 1- * a O 0) IA- 14- r O z O O 107 O U N N (0 N 0 disorder, NOC Z ▪ ::O C)•- to m Z a! •� In .0 L C k - _ L 0 (00 O4 0 0 C MQ++ 10 10:1070 0).CEU41 40)C:70.0 LL 1 -::200 1... , CO CO N30::(nii ~30:000 COQr1:(n0)0 N J Q NLL►� Ww N N UOO 0E- (n .] a -0 F- m n 0) 040 0 Z 0. 4 1-(1) *:: *: *C * 3. ........ ............................. ........ ............................... * ;*z CO (0 00 01 0 0)0) 00 00 00 N N c) o) J F- 0 on. * * 00 L L et 0 00 cr OO) (0 0 Z0 0Z O LL 0 O - J W rn 2 O Z 3 0 z... Z ( l 1•i W ;: > IC Q CC _ . OL 3W 0-401C: 0.111..• M F- O F- 0:::0:740:: 0 1- O*+ OZQ 0)4 EC7J •F+ •''f CO Z + O:: >0N O 41 0: L to 0)1- .:. 1O:N U :' ,"'0)00 Q 0)0):-0. (400.0)0E- U H W O *:: *< * CO N a'MIl1 5 r V r 1-1 0 a Na 0 le 0 O 0 N W W 1 0) VI r. a 0 30. J 7 U N a' O t 1/1 w N 2 i-.: W F- I 1-1; U 0 W%:::t:::0: X W -t :{(7 W J O :t J O 3 z Z a U - <1 H 1-. t : :f 1' 1 0 Nt .:{ t;:: I 0 #!# 0::::: } * Z: :'::>:f...::>: W 4(1: O <( a Z: Qa : O W Q F- -1 W 1•r 0 ..1::..::::: 2 0 1L :} t ': W W h ':iL! 1,4:::::1:::::W 0 0 W a >- t:a:WJa il: 0::::(:::::: :::.( .:0aUO :1 1 1 1 Q .#YT :a ;I::1 I ?31) OF FLORIDA C9 It! M 0 AU 0 W i# re O :k W J 1- a 0: �0 = ,' t7 N .::..;:...:s: 0 0 W c w i-t R 3 1 ... :[7 7 :::: »>:> ::: >::: 3 Z0 - #9 .... ... N a W Z 0 O :::: > :... :::::>:: W Q 1-.I 0Q ::. .- >F O U 4 2 J I Z 2 Q tn -00 w ::::r1 -1Z X v- 0Q 0 0a2 W.' aIU CO a >w 0 :000. 0 ::UO N Id 5 0Z-I X 11 00Q c "0:01 -a u.0 a0 0 CZ 0 0: 0 0 0 }. I- J Z 0< COO N Y'00, -1 0 0 1-I J p 4N IX W 0.++WOW Uawrt cc W : '. -5I•4< +->O Jt lo:: 001.442 Err QI-2 IlJ 0NJWO.... 500,-00 Z: Q M N N O_ 0 o N W000 a. zwr aaa J0W U CO a GALLAGHER BASSETT SERVICES, INC. W U Z W ce W a x W W a' W !n W W a 0 F W a F- N 1- a F' H W F Q 0 O -J Z (n U 0 M ott W Z a' W 0 * LOCATION * * * * * 0 0 0 * 0 * * 00 00 00 00 00 00 00 * # * f N tts 00 00 Tr 00 0 •- L0 AS N Z aM 01- 1- 0 F• :W 0 .. =i:Q :Z a >:r 0 'O N t!; o Q W fY Y E t -:U W w: 2 0.0 J Z 1J1 o 2 0 ++ia 0 CO::: 0::::: > O:: Z': 00 KZ 2 N W 11.4 W a m U el :3 > >Oa0W F -U1Za0 03.E :Y 3'► 'J >:::::*::::::::, : -- Yt 4) al.. :3 M -:: C . 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W 0 Z W W 0. x W W > CC W In W OC W a 0 H W a f- 1- a 1- N 0 0 J 0 to 0 0 Iy w a Z W CC 0 0 Q J 0 a 0 LOCATION Z 0. 0 0 O 0 1 L 1•- W O++ ® Q 0014a 'moo u n *OUladlVl: L C .0 ++ 1 3+00; n£Ud.:1 • .E It.; .G w > 1•i > y1 <fA 0NCDW W 0)4),::<1.4 W a 1- CO 0 * a.: *-13. }- M 0 Y 0 2 0 0 0 a0 _1 1 w 0 *00 Gallagher Centre, Two Pierce Place, Itasca, IL 60143 0 0.0.. 0:0 O • • .r tt o. 8:8 0 r- J 0114•::::•••• W W O F W 1 (J) OO1-00 • iE 1-0Z0 * M mt 0c� ; >..... to -10 1- NM?'" 14 00 J N a 0 ceo 0 N w W 1 • 1 0 N MC 0 3a J 7 0 N M o t : v► w N S F:)a -t w 1- ..::::1-:::/.1. 0 0 0) 13fX 10,:::1::::10111 J o::i :Z: Z a 4)::::f::+4:1-1 1-1 3 :::'k�:�:... ; 1 0 N<:( ii'; 1 0 ,,,.. f * W :F...::::: W (A( a a4 0 K( F <:0 W F :::>i::::: W M (n:::: Z O U- 1 :::::::: W W w z<F :Za(A0 w w00W d4Aci.wJa fit J::t o000(n : (,?:F .-.: :4x: 1 1 Q .....:: : :W 1 1 1 ::::.:::::a 0 .....:S:iii M M W O #- :UMW: w N ce 0 0 in ▪ 0 M 0 x #i w C 0 :44 W 3 S 3E O 3 :4 00 w4 1--1 (1) y : ::: >:i>::>:: X.40 Q a `.: -- :�>:�' ?>:: Z 1-0 -I IL 0za (xn -0▪ 0 a -0a 0 Q to a o Z . -.. w 0CWQ a0 W (7 J 3S: acv zf W Z 4 :m : 0)> W :Fe:Z 0 0 0 W m*a4�E;0Na u *1. 0 < 0 * ,',..01e. 0 tk: 000 y . :I- J Z }- i1t w v4o00) 04 CZ iii> • (Z7> :O NwOh1 Za UaWM ::: ac GG *+ 0 J W▪ O w4O(0JW0 • :: (1) 2E00 .-000 00 1-1 0: ... . .. .. 1 000 M \ J:: 0. 0 iJt * l 0 re 'x:1440 0 WZww 11) «J OceYw Gw000 asa a: a 'Now M 4,4 w 3 01-- in <4(1)1-11-0 O �x::a: 01 a W a _ Y ::>•OJOw O a :l j 0 (n a OF FLORIDA 2 tt! 4 Imo: iu GALLAGHER BASSETT SERVICES, INC. Z w a' W 0. x w W > Ot W N W W a 0 1- W a > 1- a 1- w W Q O O J N 0 Q J 0 a 0 LOCATION 00 00 V4 Mm MM 00 00 00 Ver MM MM NM 00 417 00 0 OM ++ n o\ Oa Z X W .:::UL: 0 N 0:: *4 ar :r E 0 in W< C SL':. W * l6 0 O ~: 4 * w zZ ac; * 0 Y W+ w N wo *0 -'-'-1 O :W "3: WM Z.- *W 00.1 0 Z 1 *.00: 0 a o I": 1- m *,::::44::::::.<1 0 1 f IiI.: W (0 * p: ::Jo0Y (K: JN * 1- 1J- 1-10W3 fl0.: QZ *0 ::3OL++91Z MO * W w '0)4, *O W 4< :: 0 * F 1 u 0 z: 0 *10:,,,,,,, U- YU00 (0 *:::01:: >0>44. M.-ii. *O Z:: O 0)4 Naa> (0(~i) '- 41.0) . (4:0)�) :: m *Nik WW NU. *.:::W:::* �= 1w IVK 0. 01•- * F () ao144: 10 *P.\ >OQW 1.\ **O4 I- tnZ"0.: Oa * • * * Gallagher Centre, Two Pierce Place, Itasca, IL 60143 lam: er:: (`9 0 1l1P00 MS`A (0 O 0)0)010 N 1O10 Ow Oa WX i W ** 1- 04 ::1- rs : O0' Z `! {+; Z z :::::::::::0:11M W Z:t:w a� : IIp� rr:;a Z.:;.....: O.jz ::0:•• w.: NfV'W >-: O1')::> ♦- '1" 0-..-: O> V 3 ., Q;) -:3 1M. t-:: O:: M: > 3 ': a: - h A14:: 0 :V4:: l0 '0 > U': 1-:: :t : 00 f L w H +I W Q. . 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F ;I 'W M 0 t Z01. 1- 1 WWM ;L1 M:1 ali0OW d:1 aWJO. 3tt 1 1 Q to 00z � fl: 0 .1- CA tsk OTHER CLOSED CLAIMS co N 0 CO 0 to Z N M w I- J 2QU F- 0 f Z Q -0 0 X04 0 0401 o 0.40 n1 vWZ 0.000 0 N w UZ-1 4(000 fs.oO40 G U N O 'm-t UOMJ 4>L N a 0aw 1* 0 J CO: tG 0 F+ 4 uJ'*0(0J W 3 <O O 0 0 >1440 0 WZAXM in .J O 15: a )-1a W CO O Male 0. 0414a 0 a y1MI -O MilICAO aa0. }g: }pJOW 0. ::0.4 0 w a GALLAGHER BASSETT SERVICES, INC. Gallagher Centre, Two Pierce Place, Itasca, IL 60143 w o W U Z w w 0. X W W a W U1 W Q 4 0 W a O 1- W 0. > 1- N 1- a 1- 01 W O O J z V) U 0 M w 4 Z a W > 0 LOCATION * *c"1 *CO J a U 0 W W a U 3 0 0 CO CO co r- un co I0 m N 0::0 0: 00 0 0)100: N•: 0: 0•10 ap M N 0 a st a W:0 1 1• 0:0 A::: o Z :W X * ** *:: (0 O 00 00 00 0)01 (0O NN 00 X .::::W :W: X W 0 -F.+:; W O rn :: : 0 01 H:O: 7; Z:: a s+ O 14 :: N * 0 * W Z:J: W M 1•i: * 4 z z a ' A- +. 4 4 2:: * cK 47 41 Y t!t W a; w4 *44E0 0(00 U 0:::: 30 *S0 4: '-'(0'-' - W < 0 cc..,.-.04s. 1� _IC') * t:: a: t 1 O Q:: a O ]::::,:.:',:.:.11i N 1 * m 14: * a•: o: w O > O: 0.0:: CO *-:t...:: 0; 1 O-- 1 Ziti: 1 * d'. 0: • Z 1••- t .Z3: O N a) Z:UI 410:++:43: >. 4C W: m 4) 4w 1-104:::40:: 0 f >: ZN * Y w .'T W J J t: C W O :: : a *OCR: t¢ Z JZM0++WIA 31Y_ >Z *sCU) +' ©:Y M1130-00) w:: KU) ZN #-:O 30*1:33L3 Jam: CO ti * m f cs: W • (0 •- E .O 41 _ * 0 I H'-' O U 1 O * 1 m C >'-.. M ' 4 1 C 4 :: I *U 0 0.:a U 0 *' 0 *':::3:::: 211+, - Z:m 3 O We- O: 3 * t W .- 1t w: 3 IA 1-141; 1 *t. 133 it) I- : :0 O 1 .. 0 0 3 x: m *Air. W 16 +' W t- Z CO ++ 110:::01: '0 *Ps .ycWQQ '0 to :.c.cca co *to•,-I IA.Cf C 0J(S! :W W 0 W(J: 0J *+ •tr.: 4404I -:0 OA Win:.:::: >>0XOZ: NIL * Z M- Z O .. * .F. ONQONJ :7 )- .:1NOCA0 :Y. 1- *(044 010 ::0)40 mN3 :ON•-NO..C: 1001 * NOO+ -Sa r-13 NOOC9W:t3: .*:::::::::::10. Nm o3C1 (04 7100)OiaC ::.l:: m * o a . * -J. . N 1-a.:4* 1- J * :.WN WN+ NW : :N : WM NIL * >n U N t` 0 m 10 - *01- :••Way U: O1- WaI U 01- * t 0/ J 0. 3 1- m Ur: 1 to 0.I-(0V) : : 1 to *(` \0 >OQOw: N'.:0 >000W: : P\ :*:.4•::::4 71- U)Z0a: va7 F- 01zao: 4 Q * o o : :: o * * .. * * N 0>.m wa i U: Ja0. :1-ma: Ci>O 4001 7 1- uiz 0.0 CO XI 0()� O: ••N • N . O: O 0 44111/ I N w �a 3 O. N 0 OF FLORIDA O: LU 1N•1 0 ON O:7 7 M 0) 0 0 U1 U1 Qa 4 X N N N U X z N PERIOD; ALL OTHER CLOSED CLAIMS O W W 1••1 Z 0 LL W W 1-1 11. CA W J O. EX 0 1 1 Q 1 C9 IXUZ 0 0 W H 0 J U 0 3 Vi Z • Wet 2QU 3Z4 -0 Ft 00Z 0UQ 0 a Z Ce a Q 0 VWZ 000 N _0 0 a O<0 0 000 M N 0 N 0 0 w 0►1J i+W O 0O.W 0 J • Z OQI- (1)• 00 CO N u, 0 • 0 GALLAGHER BASSETT SERVICES, INC. Gallagher Centre, Two Pierce Place, Itasca, IL 60143 W U z W M 0: W a X W W > N W t W 1- Q 0 1- W a 1- H N 1- c 1- N W a 0 0 J in U 0 w W Q Z LOCATION * 0 :0 *10:<0 *; Z * A:0 0. * 4• 11X * ▪ * * £)+I- :4.0.0 1.4 * toll) W * MEW 0 O -• z▪ �t > Xa~ #4')03 a 0 O N O 0 Ul O 0 O O 00 (0 0 N N V * 4: NN(O: .............. 000 *0 000 *O •* * * * M 0 a 0 11) N 0 4- * Q Z * U.0 * N W L +✓ d•7 * ° o_ - o 0O * t3 >s' • 0 * 3 > L:N L *e1 16MO *0 OELC£1- * 0.30 3 3 016 * p 0 (0 1ZZ * Mt 3010) -04 . *,..'S.30100043 * tlii 4 N (0 R) O 0 O * .3 N *(•14LN MI Ft * 10 N 0 (0 *0#••• * C 41)JO.Ok -0)41) *(� \0Y0QOW * < ▪ F. rnZO.o. * 0 * co O U 0 0 N 0 (0 N I0 O N 0 DI W W J'OL m m ILW x:m J IL CO \3N0 0M 0)QM:(00)0 J N I` U CO 1- .• W`Y I U)J0. (-m '. U4-000 d31"(nz0 *************************** * * * * * * * * * * * * * * * * * * * * * * * * * * * * * ** (4) 0 W Z OW 0 O: Q:U. 40w: Zt•1 YN 14).4 Z : I* 1 : OC t/114 • (5 N0 <tJal, 3 J aZ tt2. WW; U Z FR mO W : m :.YYU H 0. '2toN Wi7): U (l) IX W • * I(JO �OJ0 *.O>: * 3 *3: * O to * * 1 1 I t:.: * J 0. OJ U * U; * 1Y3 *3:: *a. <z .; -: �: W W W * tfJ * 07 U� 00 *0 *J.: Wa a4< *Q. *0 m a *a:: * * 1+iL >> * >. * V 000 *E1: * `W1W ;UUU *U * 3 . : : < : U : 0 0 00 * O: * IX IRLL .:W U. U. *>L * W * * CO W W * * 0 * * * * 0 W * *1 a z * * 0 a M: : N M N * A•1 * 1 00 *K[. *N z JJJ *J: *(O <1- '000 *U * M3W:000 *a *N: J (1) (/) * Ut_ * * * Q1 <00U *E]: * * * CC *± * * 2 Z 2 * S; * * 10 O 0 0 * 0 * * a JJ *J_f * 4 a4Q *Q: *0;: * * * * ** * * (- 1- • * M W O.' W IA 0 1.40 0 01 C CE 3 Q M W U0 QQ a 1.4 OF FLORIDA Z Z K N U. �*0 H J CO O O. M N N O 0 u, N U X W J -J Z Q 1.4 1 0 1 0 4x N * W 0. 0 O W 1.4 Z0a W 14.11.4 CL GI O O W CL UJ Et 0 U) 1 1 Q CE 0Z 0 0 W N 0 J U 3 W E N W I<0 0 ZZQ -0 0 —0Q O Q 0 Z 1.4 . w K W a Q K la > ooa. 000 00< °<0 000 1- J Z .1- N C3 GI 00x4 0F4J + +W C1 Uaw O J Zf.1 OQ Q I- -• 00 OTHER CLOSED CLAIMS O CZ O w 03 O. E W ce CC CC CL J O W 0 (n LE J Q 0 1-. GALLAGHER BASSETT SERVICES, INC. Gallagher Centre, Two Pierce Place, Itasca, IL 60143 W U Z CC a x W w W N W t W a 0 0 1- W a > 1- w F- at I- W Q 0 0 J W U 0 1.4 * LOCATION *O -0 *00 * :* r 0 N 0 0 N 0 N C 0 E 0 1 •• ▪ 3 at N L I .0 N C 3 3 0.0 J4+ N IDN (DXL Cr w I- (0 3t C3 CO Q '- (M0 01 •• 0 N W LO U W 0: J 0. 7 I- GI 2: fA ii:: O 0 0 O 0 0 W (9 Q Z' 00 1.! a1. 044 4Y (0 .:... W N m w =: J U J 131;: > :0. CC Z : 10 d (- H:: 4+4:: It; W. IX LL(L • o: U i. O: NN:: r: ri... Q.: M K Q: L:::110:: UU f04: N *44 O0 : W S: w14, o (-4.0 : Y to ti ■OQ:U OOWQ JJ O W 0- 0� J J J • *:: CO CO 0 CO CO CC •• 117 aO my moo° N 101 `In.' ! a 3a N 0 oC W 1.4 O C.7 01 C 1Z 3 11 CO 0 0 Qa LL X K OF FLORIDA • 1- Z Ct wU. w. ▪ N 00 M I).' J 03 0 a 0 CO W 0 0 i M CD OMCO IX •• N a• O (n a CZ 0 �Q a N 0 OF FLORIDA M N 0 0 to Z a J 0 0 W W 0 J 0 N • Z O 0 X W J J Z Q N 1 0 1 0 * W O. 0 0 W Z ▪ 0 L- W W 1-1 OOW W J a IX 0 1n 1 1 Q 1 1 O Z w 0 0 W to 0 J O 2 O 3 ID Z I--0O 0za -00Z COQ 0 0QX et ▪ UJ W(0J a4(O • > W 000 _0• 04 1-1 °<0 0 F°- J Z H O�J N IX i+ W O 0 O. IIJ 0 O• QF te J W 0 0 O IX O N Q' } W Wm0 d 0 1- ct JOw ce GALLAGHER BASSETT SERVICES, INC. W O Z W a W 0. X W W > CC W N W W a 0 0 I- W O. } H to 4- Q I- In W Q 0 O E 1I O 0 Iy * Z Q J 0 a [.1 LOCATION m m 0 O * * * 00(0 * 0:- . * ▪ N O N *00m *.:441:0 N * w_O 4J:-40-40 — * * * *f.i• 0. X 91' _i- i1t W * ar+* * 2 L�p : * * * * * F- >a ::Q • J OZ v •IJ.w W O to 30a I- 0 1 a 0 0 Z0 3 1 C .»r Z O Q 0 N4FN 1.> 0 0 * O Li AT W I- 0 W O LJZ 1 3+ O. 0 i3OL J CJ,GF 01:W O WU4VJO .0 Q.SI- OJGiiZIuZ >w;Otn >4 N cot :o::} 1.1 NwvRet <HQ to 07,00:1•4 1 Nc4Yn0::OO W 0. } H m 0 04E J 14:24: 0 ar ca 0;01 *-:tv : N t+ r` r•-• r- '_C O •1 C •-omm W N1 (MO * * * * * * * * * ** * * * * * * * ** * * * * * * * * * * * * * * * * * * * * * * * * * * * * * ** Gallagher Centre, Two Pierce Place, Itasca, IL 60143 * 0 a ) 0a) 11 w • * Om II h * 11 O v 11 N * 0 N ON 11 r- WAR• . ; * N 11 O 0:0 0:0: * 11 * a * 11 * * 0018 0 * 0 0 11 0 * • • * 11 it 11: 11: 11 * 11 0)(0 * 0 m N0 * 0m * + * 0 NI. 041)::::,:?:,* 0 N u1 m * N * * f, * Q ▪ Gt * 00:: * I- I • : >: 1~t- * * * * * * * * * * * * IX * I• i O W t70 ZM :::Y J1•a 0:.. Q fY Q OOQ O ::1n Q001.: <3OV► IL #iZ a Z m Z Q �1JI•+W WJW OGQ : :a 04 lyma cz 14:Z U4..U) Z er • I 0 • * a WWW?W 04,10:0 00 * CL Id ::W W::W * W W :: :: * W W #+ * > > 000;0 * 00'. >:* 00 0 c1.010 C.) * 0O * 00 0 * lY Ct:O *ILA * K rx 0000 *o© *00 4.4t4:I1. * 4.W * 1J- 41.',!::14::01:: G7: * * H * * W * v- N * * * O * 0 3.1 0. G. O:0 Q4LY3 * • * Q Z Z:* F f Q 4NH *QQ 0 0 0 W WW:: ':: *WW 4 CONY, * 1n to 00; * 00 a J J O • C . ) 41▪ 11I: W W d t p::;:* 00 E•- * Qa: *QQ 11�: ** OF FLORIDA IX W 0 0 t7 N IX 3 0 a"1 JIL. 0 0 Qa LL U) CC N 0 • 0 (,) U) W 0 X Z Iy ALL OTHER CLOSED CLAIMS 1 0 1 0 * W O. 0 0 w Z• 0IL. W W 1-1 O O W ▪ CL 1 I a I0z CZ 0 0 U) 0 OE J 0 3 N �Wa 2Q0 3E et -00Z -0< O a z 1.1 •H a4t0i WZ 0 0 0 + + - 0_04 1-1 O 61 I- 0 0JZ • 1- 010U) 01 0 1-1 0/ 1-1 J ▪ W 0 _o J 0 M a H M J W —00 O 0 M U) W m0 0. 0I- 41 IX 1 .4 1-0 aCC a J 0 W V) 1:e 0: GALLAGHER BASSETT SERVICES, INC. W 0 z W W 0. X W W W U) W W a 0 0 1- W O. 1- v, D a 1- U) W Q 0 O J 1 U) 0 0 M on W a z W > 0 * 1 a J 0 a 0 LOCATION *00 * * * :* 1* * to — N ui 17D'- r< .• M 00 00 • • • • • N . . Ca � M 0 0 I- I- * * Z O 1-I U)I- WZ 00 C.) M W Y ce Q3 I 1 IX3 LU > > CL 1Y 0 0 LL LL Ul f 1 J J 0 00 W W • U) 00 00 1- 1- 0 0 J J J J as * * * * 00 4. 0 0 0;0 Q Q �Q I- F * D W M+1 Z:Z 7 0 Z Q 47 aw: t3: d O >0 O:Q C O: tn: �• az 1.10. gaZ: N W.W 000J :W: 11) • p, r1 O K a : IL mD. ) K1.1: K: �mIDUIJ:U: [i w�` J: Q: KtJl: ; • �[ * 000W:Y.: I- I- MZ:flS: a a • * * 1 1 * * CO 0 0• m: ta:: •161415:3:: *: * W W W W:W:: (5 (9IS(3( *.a >* a4,a:Q:: *ATM* 000)(3: *.0 `* 000L7:v:: * * OOOOQ. IL LL LL IL:'L:: 0 • * * 2 z 1 010ct00 (PERIOD 13, * PERIOD 010ct99 Gallagher Centre, Two Pierce Place, Itasca, IL 60143 � M � 0 M a► ••N nom IXO O N NNW' i Q 7Q. O it 0 0 W C 0: 7 Q M U 0 1/1 VI U Q Q LL 1 X V) OF FLORIDA Z Ix YU- 1-1U- 1.1 W V) U 0 MIX J 10 0 0.0 Vt W f - >: W F :c::KU 0 t/):::t:::: . X W J Z Q U ▪ < j:> i•r 1••1 I• b:; 1 0 0 U Gt: 1••1 '::::f:. * Z E: W flt F d z t O Q O W :0 w Z 0 LL M o. nU . *r :w00W J O. fit U • .E. 1 1 Q 1 U Z 0 0 __.. VI 0 J U Z W U 0 M *4 VI O Q F0U 0ZQ -0 Z00 �UQ 0 Q Z 1-1 - H O' W Q 0.401 W tJf �••• lY Ll W Z lnWal >W C33Cal0a ▪ fL0)00 ::ta.:0 +. -J w ozJ ▪ 0 H LL 0.25 U O 000( tFJZ M� -F F000VI i-0) OM �tY W ++WONM: • Qff+Q .S 0 1-1 Q Q 11.1.< ON J W GALLAGHER BASSETT SERVICES, INC. Gallagher Centre, Two Pierce Place, Itasca, IL 60143 U z W fY 0. x tY VI W fY W Q 0 0 F W 0. F V, F Q F VI W Q 0 O J in U 0 r LOCATION * * 00 00 N IO W 10 00 01 M F F 00 * * M J M Q J z O Q V/ W • Z 0 0 fY 1.1 0. W IX 1-eY 11 1 1 D. IX Ce W W 1.1 1.1 IX a 0 0 LL LL N in 0 1 U 00 W W VI VI 00 U0 CC CC * W F F O O J J Q * * 41519.96 0:0:: 11 0 *: 0' 0' 11 0 iE • 11 • *J J: *.0U * Q: Q':: *W W:: Q F 0 *> * * 10 010ct99 (PERIOD 12, MONTH FOR PERIOD 010ct98 N OMw M••If/ ner•••' NO U°)et cc 0 N W Q 7 0. 7 1 N 0 cc N O w 0 C7 N W C IX Z0 Q J IL 0 0 Qa LL X N OF FLORIDA 1- Y3 U) LL H ci) 0 0 M J mO 0.0 M N N 0 0 0 U) a J 0 0 U) O J 0 (WA 2 W 1- O 0 X W J J Z < 1ti • I 0 I 0 H * W 0. O w W 1••1 Z0LL. WW 1.4 OOW W J 0. IX 0 U) 1 1 Q I I CL 0z ■I oc D 0 0 W N 0 J 0 S 0 N r Z C0wa 1C CI ZOJ ZZQ IL -0 0 '-0 C) eZ 0QZ O: W 0 Q 0 VWZ CO > 0) 0 0 ++ - J U 01 a 0 0 0 0 HJZ -F N 0 U) 0) 01-1 0) ■-• J + + W 0 U 0. W O J 0 1-1 Q • J QUO Q 0 1 GALLAGHER BASSETT SERVICES, INC. W 0 Z W N W a X W W () W O-' W ee 0 1- W a } 1- 1- Q 1- o W 1- Q 0 O J f N 0 0 M * LOCATION :* Gallagher Centre, Two Pierce Place, Itasca, IL 60143 �-MM • • to Z NO Q o J N a 0 O 0 W Now a o 7 0. J Ct O 1 <N W N Z :I I. W 1- ..i1.4V 0 f[! >a..M X W:.: w? 44 W 0 1 ?.: J p:1ZZ Q :-a »1:: 1 0 I/J1 1; 1 0 • 4 * a 1-.:a 4- 0 W W 1-1 f/J::;j..: }� Z 0 II. WWw Z:I:�Za N C1 11 ::; t.;.*I O 0 W d ::t 4: W J0. .J;1_0 ON 1 1 Q CC Z 0 0 W GALLAGHER BASSETT SERVICES, INC. OF FLORIDA 1-1 co tn Q ls• Z UQ 10 CC 0 LL Z0I-J 1 O Z Z Q X 11.1 1-1 Q CO M Z Iu0a/n 4.0 Z OLId4 WO. C d ..: W.41) ,-,C4 4 ir— W Z .0140 > W .0U. ln00. 1 w: 0ZJ )+ -00Q Gk #- ter/ 34^ O 1- Y- U, Ut <0 000 0 .>r:E15HJZ - •t•': :0.: 1-1 1 1ti -1- 07rv01n ::#+•moM 1- 4-1: ca 1-1 J Z r•Ct 0> il, ++W0 Z Le 1404.14 CL <0 1J J M t U- W Z 21.......$01-1< M K 0 10 Vt Q CO J W 0 0 Iy Ce .. .. .. J al 0 0.0 141-Z O K >1 -1.Q 0 0 -4“, 3 =' M 0 Out)-0 '10111109. 0 A S-1 +tK a a0 Z W tY frd N 0 Cra _ ?. ).. 0-1 04/ O Q:: II:»#o(nR W a. 1- N 1- Q H H W Q 0 0 -J Z In 0 1-1 an W Q z W > 0 Q -J a. LOCATION * :*:01 11: 0 :*]:0 !I:::0 * i * *:f * *O 0 0 * it 11 it 11 * * :* :* * * Z: 0 Gallagher Centre, Two Pierce Place, Itasca, IL 60143 PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING MARCH 11, 2005 CONSENT AGENDA SUMMARY 1. Request Approval of December 10, 2004 Board Meeting Minutes Background: Meeting Minutes attached Request Approval of Treasurer's Report as of December 31, 2004 Background: Financial Reports Attached Bo rd Action: Approved Denied Deferred Other 1. BOARD MEETING MINUTES DECEMBER 10, 2004 PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING Terrace Hotel, Lakeland, FL December 10, 2004 MINUTES Attendance: Susan Lee, Town of Belleair; Steve Baumgartner, City of Brooksville; Donna Kilbury, City of Crystal River; Paul Erickson, DeSoto County BOCC; Mike Sheppard, City of Eustis; Delores Avery, City of Fort Meade; Elaine Trehy, City of Gulfport; Jane Long, Hardee County BOCC; Lester Baird, Hendry County BOCC; Fred Carino, Highlands County BOCC; Mary Karayianes, City of Indian Rocks Beach; Nancy Beelman, Town of Kenneth City; John Litton, City of Lake Mary; Fred Moody, Levy County BOCC; Dawn Jackson, City of Longwood; Jeff Sutton, City of New Port Richey; Steve Gailbreath, City of North Port; Donna Reynolds, City of Okeechobee; Robbie Chartier, Okeechobee County BOCC; Willard Beck, City of Punta Gorda; Bill Cropsey, City of Safety Harbor; Martin Lange, Sarasota/Manatee Airport Authority; Mike Eastman, City of Sebring; Debra Woodall, Tampa Bay Water; Crissy Bublitz, City of Tavares; Woody Hubbard, City of Temple Terrace; Phil Wickstrom, City of Wauchula;; Sharry Boldt, City of Zephyrhills. Trisha Reynolds, City of Oviedo, and Frank Gilbert, City of Winter Garden, attended the meeting as non - voting representatives from their respective cities. Absent: City of Avon Park, City of Belle Glade, City of Clewiston, City of Deltona, Glades County BOCC, Hamilton County BOCC, Holmes County BOCC, City of LaBelle, Town of Lady Lake, Town of Lake Placid, City of Lake Wales, Lee County Port Authority, Town of Longboat Key, City of Moore Haven, City of Pahokee, City of Port Richey, South Florida Conservancy, City of South Pasadena, City of St. Pete Beach, and Sun 'n Lake of Sebring Improvement District. Chairperson John Litton called the meeting to order at 10:10 a.m. with a quorum present. Consent Agenda 1. Request Approval of June 10, 2004 Board Meeting Minutes 2. Request Approval of Treasurer's Report as of September 30, 2004 Phil Wickstrom made a motion to approve the consent agenda. Robbie Chartier seconded the motion and it was unanimously approved. Regular Agenda 3. Executive Director's Report A. Report on Losses from Hurricanes Charley, Frances, Ivan & Jeanne — Mr. Furry thanked the staffs of PRM, A. J. Gallagher, and Gallagher Bassett for their support during all four hurricanes. He stressed the importance of having emergency contact numbers for Members and urged Members to keep PRM apprised of any changes. Charley — Currently, we have a reserve of $27.5 million. Hardee County was the hardest hit, looking at $8.5 million in reserves. DeSoto County was next with over $5 million. One building, the Turner Agricultural Center, is a $4.5 million Toss. Punta Gorda is at $5 million which includes the Fire Station and two other buildings that were completely destroyed. Wauchula's losses are at $3 million, Lake Wales $2 million, Avon Park and Fort Meade are close to $1 million with Highlands County at $400,000. Frances — Costs will probably be within the first layer of $1 million. Okeechobee County and Belle Glade reported the highest losses. Ivan — Minor damage only. Jeanne — Reserve at $3.1 million. Pahokee suffered the most damage during Jeanne with losses at $1.8 million. Highlands County had losses of $130,000 and Eustis and Sebring reported losses of $75,000 and $225,000, respectively. A 10- minute slide presentation was shown of the destruction that resulted across the State from all four hurricanes. (Representatives from the City of Tavares entered the meeting at 10:36 a.m.) (out of sequence) C. Members Who Withdrew 2004 — The City of Cape Coral and the Highlands County Sheriff's Department elected to withdraw from the Pool effective 9- 30 -04. Cape Coral was looking for a stand alone program to further their efforts in becoming fully self insured. PRM /Gallagher Bassett will continue to handle their run out claims. D. Members Giving Notice of Intent to Withdraw 2005 — The Hendry County Sheriffs Department and the City of Indian Rocks Beach have given notice of their intent to withdraw in 2005. The notice was submitted by the former Sheriff of Hendry County. The current Sheriff has been with the PRM program in the past and indicates he may wish to continue with the Pool. The City Council for Indian Rocks Beach has taken the position to annually obtain quotes. The notice from Indian Rocks Beach is the third notification in four years and was received a month late due to an oversight. Article 4.3 of the By -Laws provides the Board with authority to refuse membership to Indian Rocks Beach. Mr. Furry recommended this action not be taken. Indian Rocks Beach has been a good member and does not incur high losses. There was no action taken by the Board on this matter. B. TRIA Coverage — With the cancellation of the August 13th Board Meeting due to Hurricane Charley, members were unable to vote on the offering of TRIA (terrorism) coverage. The Broker polled the 2 members and a majority voted to accept TRIA for the 2004/05 coverage year. Other Items Discussed but not shown on agenda: PIP Subrogation — Staff is working on an appeal to overturn a court decision which may have a significant impact on the Pool with regards to subrogation. The courts are interpreting City /County dump trucks and panel trucks to be commercial motor vehicles and have ruled that City /County truck drivers can go to their PIP carrier to claim benefits. The carrier is then subrogating against PRM and other Pools, which has also been upheld by the courts. We are lobbying to appeal this decision as it is in direct conflict with language that states governmental vehicles are exempt from subrogation. Multiple Parties Involved in a Lawsuit — When settlement has been reached with one party, but not the remaining parties in a lawsuit, the courts have indicated we have a "good faith duty" not to settle with any one singular party without giving due consideration and fairness of the other parties to settle. Employee Tools in Excess of $5000 — PRM covers losses on employees' tools, but values in excess of $5000 need to be scheduled. Members were reminded to provide a list of these tools to ensure coverage. Police Liability Seminar — The seminar, presented by the Walsh & Makholm Law Firm, was held in Clewiston with good attendance. This was the second Police Liability Seminar held in 2004. National PRIMA Conference — The PRIMA Conference will be held in Milwaukee, Wisconsin, June 5th through the 8th. With money received from the excess carriers for loss prevention, PRM is again offering scholarships to the conference. The application deadline for PRM scholarships is March 15th. Members were also encouraged to apply for PERI (Public Entity Risk Institute) scholarships before the February 18th deadline. Annual PRM Conference — The Conference will be held at the Hilton Beach Resort on Marco Island from June 15th through June 17tH Property Appraisals - Judy Hearn reported on the importance of accurate property appraisal information. She noted our dissatisfaction with the current property appraisal company, Maximus, and indicated that we will be changing companies within the next year. A cost increase is expected from whoever is selected for the contract. Ms. Hearn advised that a memo was mailed this week asking members to update their Insurance Value Report and return to the PRM office by January 14th. Performing this task now will allow the appraisal company to incorporate any changes before issuing their trended report for 2005. 4. Broker's Report Glenn Tobey introduced Karen Hawkins, Senior Client Service Representative, as a new member to the PRM team from their office. Also recognized was Steve Baumgartner from the City of Brooksville, a new member to the Pool effective 10 -1 -04. Mr. Tobey discussed areas impacting the insurance industry, specifically the Attorney General's investigation of Marsh, Inc. The Florida State Attorney has subpoenaed the top ten brokers in the State and Mr. Tobey is confident that A. J. Gallagher will perform well through the investigation process. In another matter, a decision by the courts was made to consider the World Trade Center as two separate losses. This will be a significant impact on the insurance industry. A. Review of Coverage & Program Structure At the June Board Meeting, the Pool decided to accept the BRIT package policy for the 2004 -05 year. The broker was able to bind the excess property coverage at a 32% reduction just six days before the first hurricane struck Florida. Mr. Tobey cautioned members on believing newspaper articles, which are speculating on next year's rates. He assured members that A. J. Gallagher will strive to maintain favorable pricing. For this year's renewal, only four members received an increase over 10% due to heavy losses. He stressed the importance of loss prevention in reducing losses. The loss fund increased 4 %. TRIA coverage was purchased including $10 million in property and $2 million in liability. Workers' Compensation is still trending upward. The actual WC rate increased 14 %. Mr. Tobey will be in Tallahassee to discuss the PIP issue on Tuesday, December 14th B. Discussion on Appraisals The broker is reviewing an appraisal program developed on the West Coast with the possibility of purchasing the rights to use the system. Mr. Tobey reiterated the significance of appraisals as adjusters use these values in determining property loss claims. C. 2005 Educational Conference Members were asked to submit suggestions in the next month for the PRM Educational Conference to be held in June. One idea being considered is holding separate break -out sessions for various positions, such as City Council and Administrators, Finance, etc. 4 Mr. Baird requested a bullet sheet, comparing the PRM program with Cape Coral's new program. The broker will provide this information. 5. Legal Update Jeffrey Weiss reported on sovereign immunity. Florida Statute 768.28, entitled Limited Waiver of Sovereign Immunity, allows public entities to be sued, but on a limited basis. Over the past several years, this Statute has been eroded by District Appeals Courts on tort claims. He explained discretionary versus operational type issues. For example, the decision to install a stop sign at an intersection is considered discretionary and would generally be immune from a lawsuit. However, it becomes an operational issue if the stop sign falls down, causing accidents, thereby allowing claimants the right to sue. In reviewing the United States Supreme Court decision in Pollock et al v. FDHP et al, Mr. Weiss stressed the significance of this case as it reversed the trend of eroding sovereign immunity protection for governmental entities. 6. Board Members Items A. Establish Meeting Dates for Calendar Year 2005 Proposed dates are: March 11 — Terrace Hotel, Lakeland June 16 — Hilton Hotel, Marco Island (annual conference) August 12 — Terrace Hotel, Lakeland December 9 — Terrace Hotel, Lakeland Paul Erickson made a motion to accept the meeting dates and locations for 2005, seconded by Robbie Chartier. Motion was unanimously approved. Responding to Mr. Baird's inquiry on TRIA, the broker explained that an act of terrorism must be certified by the Secretary of the Treasury. It must be a violent act or an act that is dangerous to human life, property or infrastructure. It must have resulted in damage in the United States or insured under U. S. regulation. The act must be committed by a foreign person or on behalf of a foreign interest. It must produce property and casualty losses in excess of $5 million. Mr. Baird then inquired how close the vote was on accepting the purchase of TRIA coverage this year. Two favorable votes secured the majority approving the purchase. The major difference from purchasing TRIA coverage this year and rejecting it last year was that the price was down and the coverage was higher. Mr. Carino inquired if the vote had been recorded. The vote is documented and available for review upon request. Mr. Weiss advised the Board that there is no need to ratify the vote. Mr. Wickstrom expressed his appreciation specifically to Rob Ross for helping to serve lunch to workers, and to Cheryl Fountaine for promptly viewing and adjusting losses for Wauchula, and finally to Ross Furry for his overall leadership following the hurricanes. 5 There was no Public Comment. The meeting adjourned at 11:39 a.m. Respectfully submitted, Judith A. Hearn Assistant Executive Director Secretary to PRM Board JAH:smb O:\Judy1BD MTGS\Board of Directors Meeting 12 -10 -04 6 2. TREASURER'S REPORT DECEMBER 31, 2004 PUBLIC RISK MGMT OF FL BALANCE SHEET DECEMBER 31, 2004 CURRENT ASSETS PETTY CASH $ 75.00 OPERATING -SO TRUST 22793,915.01 INVESTMENT TRANSFER ACCOUNT 3,924.93 A/R MEMBERSHIPS 1,834,277.35 A/R TRADE 93.46 A/R - PRM GR FILTH 5,964.36 A/R CONSULTANT FEE - MEMBERS <11,711.05> A/R- REINSURANCE RECOVERIES <10,168,911.64> A/R OTHER 141.38 A/R -STATE W/C ASSESSMENT <216,812.04> A/R- APPRAISALS 767.00 A/R - ADDITIONAL INSURANCE 501.21 A/R HURRICANE DAMAGES <8,199.06> STATE ADMIN. FUND 12,349,810.04 SOUTHTRUST SECURITIES 514,225.00 CLAIMS PAYABLE - 2004/05 287,007.84 TOTAL CURRENT ASSETS 27,385,068.79 PROPERTY AND EQUIPMENT FURNITURE & FIXTURES 33,625.98 LESS: ACCUM. DEPRECIATION <19,306.39> OFFICE MACHINES & EQUIPMENT 65,313.96 LESS: ACCUM. DEPRECIATION <42,047.56> AUTOMOBILE 76,660.64 ACCUMULATED DEPRECIATION <43,665.11> TOTAL PROPERTY & EQUIPMENT 70,581.52 OTHER ASSETS PREPAID INSURANCE 5,800,685.77 PREPAID FLOOD INSURANCE 94.49 PREPAID EXPENSES 4,634.79 DEFER MEMBER CONTR- 1987 -89 183,808.00 DEFER MEMBER CONTR - 1989 -90 295,679.00 DEPOSITS 5,665.06 TOTAL OTHER ASSETS 6,290,567.11 TOTAL ASSETS $ 33,746,217.42 LIABILITIES ACCOUNTS PAYABLE $ 48,050.91 A/P - GALLAGHER/RISX -FACS <1,843,638.03> FEDERAL TAXES PAYABLE 1,625.00 PEBSCO PAYABLE <1,571.61> A/P EMP LIFE INS <435.29> A/P RELOCATION EXPENSES 178.64 A/P - OTHER 5,110.59 A/P - LOSS PREVENTION 26,495.00 ACCRUED VACATION 69,908.16 CLAIMS PAYABLE - 1987 -89 76,681.25 CLAIMS PAYABLE - 1990 -91 5,995.96 CLAIMS PAYABLE - 1991 -92 <59,396.70> CLAIMS PAYABLE - 1992 -93 2,585.90 CLAIMS PAYABLE - 1993 -94 34,785.84 CLAIMS PAYABLE - 1994 -95 37,521.81 CLAIMS PAYABLE - 1995/96 58,100.75 CLAIMS PAYABLE - 1996/97 6,714.23 CLAIMS PAYABLE - 1997/98 <71,370.51> CLAIMS PAYABLE - 1998/99 <470,630.99> CLAIMS PAYABLE - 1999/00 <1,098,896.56> CLAIMS PAYABLE - 2000/01 <1,110,830.65> CLAIMS PAYABLE - 2001/02 1,247,469.75 CLAIMS PAYABLE - 2002103 3,953,745.55 CLAIMS PAYABLE - 2003/04 11,049,394.60 TOTAL LIABILITIES CAPITAL FUND BALANCE REVENUE IN EXCESS OF EXPENSE TOTAL CAPITAL TOTAL LIABILITIES & CAPITAL PUBLIC RISK MGMT OF FL BALANCE SHEET DECEMBER 31, 2004 9,094,174.15 12,684,449.67 11,967,593.60 21,778,623.82 $ 33,746,217.42 REVENUES MEMBERSHIP ASSESSMENTS $ 4,163,711.41 $ 18,799,385.23 INTEREST INCOME 69,284.23 178,065.93 ADMINISTRATIVE TRANSFER 7,360.00 22,080.00 PUBLIC RISK MGMT OF FL INCOME STATEMENT FOR THE THREE MONTHS ENDING DECEMBER 31, 2004 CURRENT MONTH YEAR TO DATE TOTAL REVENUES 4,240,355.64 18,999,531.16 EXPENSES OFFICERS' SALARIES 11,527.59 28,841.52 OFFICE SALARIES 36,082.44 104,018.94 PAYROLL TAXES 3,020.90 8,700.66 EMPLOYEE RETIREMENT BENEFITS 4,811.15 11,374.96 HEALTH INSURANCE - OFFICER 519.07 1,557.21 HEALTH INSURANCE - OFFICE 6,290.63 18,840.88 LIFE INSURANCE - OFFICER 62.00 186.00 LIFE INSURANCE -OFFICE 116.56 345.03 LTD INSURANCE 1,631.58 3,263.16 LEGAL FEES <1,733.80> <1,733.80> LEGAL - PRE - DEFENSE 105.00 105.00 AUDIT FEES 13,000.00 13,000.00 AUTO EXPENSE 258.34 435.62 TRAVEL EXPENSE 3,642.63 14,829.44 ASSOCIATION MEMBERSHIPS 0.00 395.00 DUES & SUBSCRIPTIONS 25.00 1,118.91 EDUCATIONTTRAINING /CONFER. 2,010.02 2,535.02 OFFICE LEASE 5,664.59 17,158.16 JANITORIAL / CLEANING 240.00 780.00 OFFICE /COMPUTER EQUIPMENT 4,261.10 6,991.60 TELEPHONE 1,961.22 6,904.39 COPY MACHINE LEASE 258.23 774.69 OFFICE SUPPLIES 112.85 1,257.52 . POSTAGE 79.06 3,300.09 PRINTING 0.00 909.81 INSURANCE - FLOOD /GENERAL 1,000.00 1,868.20 LOSS PREV EQUIP & SUPPLIES 433.88 5,369.85 MARKETING & PROMOTION 548.06 548.06 MEETING EXPENSE 1,932.00 1,932.00 MISCELLANEOUS EXPENSE 332.11 1,017.31 GALLAGHER MGMT FEES 97,729.92 293,189.76 GALLAGHER EXCESS INSURANCE 615,221.33 1,845,663.99 CLAIMS EXPENSE 1,306,534.17 3,919,602.51 TOTAL EXPENSES 2,117,677.63 6,315,081.49 REVENUE IN EXCESS OF EXPENSE $ 2,122,678.01 $ 12,684,449.67 SALARY RELATED EXPENSES OFFICERS' SALARIES OFFICE SALARIES PAYROLL TAXES EMPLOYEE RETIREMENT BENEFITS HEALTH INSURANCE- OFFICER HEALTH INSURANCE - OFFICE LIFE INSURANCE - OFFICER LIFE INSURANCE - OFFICE LTD INSURANCE TOTAL SALARY RELATED EXPENSES PUBLIC RISK MGMT OF FL EXPENSES TO BUDGET FOR THE Three MONTHs ENDING December 31, 2004 MONTHLY MONTHLY Y -T -D Y -T -D TOTAL YEAR ACTUAL BUDGET ACTUAL BUDGET BUDGET 11,527.59 9,003.25 28,841.52 36,082.44 34,672.92 104,018.94 3,020.90 3,341.08 8,700.66 4,811.15 3,654.42 11,374.96 519.07 551.75 1,557.21 6,290.63 6,959.17 18,840.88 62.00 64.83 186.00 116.56 125.58 345.03 1,631.58 687.92 3,263.16 64,061.92 59,060.92 177,128.36 27,009.75 104,018.76 10,023.24 10,963.26 1,655.25 20,877.51 194.49 376.74 2063.76 177,182.76 108,039.00 416,075.00 40,093.00 43,853.00 6,621.00 83,510.00 778.00 1,507.00 8,255.00 708,731.00 GENERAL EXPENSES LEGAL FEES <1,733.80> 1,000.00 <1,733.80> 3,000.00 12,000.00 LEGAL - PRE - DEFENSE 105.00 625.00 105.00 1,875.00 7,500.00 AUDIT FEES 13,000.00 2,583.33 13,000.00 7,749.99 31,000.00 ACTUARIAL STUDY 0.00 1,166.67 0.00 3,500.01 14,000.00 APPRAISAL FEE EXPENSE 0.00 208.33 0.00 624.99 2,500.00 AUTO EXPENSE 258.34 250.00 435.62 750.00 3,000.00 TRAVEL EXPENSE 3,642.63 2,375.00 14,829.44 7,125.00 28,500.00 ASSOCIATION MEMBERSHIPS 0.00 250.00 395.00 750.00 3,000.00 DUES & SUBSCRIPTIONS 25.00 208.33 1,118.91 624.99 2,500.00 EDUCATION/TRAINING /CONFER. 2,010.02 2,083.33 2,535.02 6,249.99 25,000.00 OFFICE LEASE 5,664.59 5,789.58 17,158.16 17,368.74 69,475.00 JANITORIAL / CLEANING 240.00 300.00 780.00 900.00 3,600.00 OFFICE/COMPUTER EQUIPMENT 4,261.10 1,500.00 6,991.60 4,500.00 18,000.00 TELEPHONE 1,961.22 2,166.67 6,904.39 6,500.01 26,000.00 COPY MACHINE LEASE 258.23 250.00 774.69 750.00 3,000.00 REPAIRS & MAINT. - EQUIPMENT 0.00 166.67 0.00 500.01 2,000.00 OFFICE SUPPLIES 112.85 1,166.67 1,257.52 3,500.01 14,000.00 NEWSLETTER 0.00 333.33 0.00 999.99 4,000.00 POSTAGE 79.06 916.67 3,300.09 2,750.01 11,000.00 PRINTING 0.00 166.67 909.81 500.01 2,000.00 INSURANCE - FLOOD /GENERAL 1,000.00 250.00 1,868.20 750.00 3,000.00 LOSS PREV EQUIP & SUPPLIES 433.88 1,833.33 5,369.85 5,499.99 22000.00 MARKETING & PROMOTION 548.06 375.00 548.06 1,125.00 4,500.00 MEETING EXPENSE 1,932.00 2,008.33 1,932.00 6,024.99 24,100.00 MISCELLANEOUS EXPENSE 332.11 208.33 1,017.31 624.99 2,500.00 TRAINING /SEMINAR PRESENTATION 0.00 500.00 0.00 1,500.00 6,000.00 WEB SITE MAINT. 0.00 566.67 0.00 1,700.01 6,800.00 TOTAL GENERAL EXPENSES 34,130.29 29,247.91 79,496.87 87,743.73 350,975.00 TOTAL OPERATING EXPENSES 98,192.21 88,308.83 256,625.23 264,926.49 1,059,706.00 PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING MARCH 11, 2005 REGULAR AGENDA SUMMARY 7. Legal Update Jeffrey S. Weiss A. Dismissal of Plaintiffs' Lawsuit for Fraud on the Court Mr. Weiss will discuss a case in which the District Court of Appeal upheld the decision of the Polk County Circuit Court to dismiss the action with prejudice. A motorist and her husband sought personal injury action arising from a motor vehicle accident. The suit was dismissed as the motorist gave false testimony on a central issue in the case. See attachment. Board Member Items The next meeting will be held on June 16 during the Annual Conference at Marco Island. i�c,�n�trt%w Public Comment: Discussion must be limited to a maximum of five (5) minutes per person. Adjourn 7. LEGAL UPDATE DISMISSAL OF PLAINTIFFS' LAWSUIT FOR FRAUD ON THE COURT 816 So.2d 251 816 So.2d 251, 27 Fla. L. Weekly D1148 (Cite as: 816 So.2d 251) District Court of Appeal of Florida, Second District. Kelly MORGAN and Stephen Morgan, Appellant, v. Michael CAMPBELL, Stephen Albaugh, Jennie Ohlsen, and Allen Ohlsen, Appellee. No. 2D01 -480. May 17, 2002. Motorist and her husband brought personal injury action arising out of an automobile accident. The Circuit Court, Polk County, J. Michael Hunter, J., dismissed action with prejudice. Motorist and her husband appealed. The District Court of Appeal, Parker, J., held that trial court's dismissal of claim with prejudice was proper where motorist gave false testimony on central issue in case. Affirmed. Altenbernd, J., concurred and filed an opinion. West Headnotes DI Costs €'2 102k2 Most Cited Cases A trial court has broad discretion to impose sanctions on litigants for their conduct before the court. u Appeal and Error X946 30k946 Most Cited Cases In reviewing a true discretionary act, the appellate court must fully recognize the superior vantage point of the trial judge and should apply the "reasonableness" test to determine whether the trial judge abused his discretion; if reasonable men could differ as to the propriety of the action taken by the Page 1 trial court, then the action is not unreasonable and there can be no finding of an abuse of discretion. Ill Appeal and Error X946 30k946 Most Cited Cases The discretionary ruling of the trial judge should be disturbed only when his decision fails to satisfy the test of reasonableness. 141 Pretrial Procedure €563 307Ak563 Most Cited Cases 141 Pretrial Procedure €690 307Ak690 Most Cited Cases Because of the consequences of a dismissal with prejudice, this sanction should be imposed only on a clear showing of fraud, pretense, collusion, or similar wrongdoing. 151 Pretrial Procedure €'435 307Ak435 Most Cited Cases j51 Pretrial Procedure €451 307Ak451 Most Cited Cases 151 Pretrial Procedure €563 307Ak563 Most Cited Cases Trial court did not impose an unreasonable sanction by dismissing motorist's claim for attempting to perpetrate fraud on court, even though she truthfully admitted some facts, where motorist testified in her deposition and at her independent medical evaluation that she had never experienced or been treated for neck and lower back pain when she had in fact been treated 16 times for such pains, and that testimony was directly related to central issue in case. *252 Paul P. Latvis, Tampa, for Appellants. Matthew C. Scarborough of Scarborough Law Group, P.A., Tampa, for Appellees Michael Campbell and Stephen Albaugh. ® 2005 Thomson/West. No Claim to Orig. U.S. Govt. Works. 816 So.2d 251 816 So.2d 251, 27 Fla. L. Weekly D1148 (Cite as: 816 So.2d 251) Steven C. Brown, Sebring, for Appellees Jennie Ohlsen and Allen Ohlsen. PARKER, Judge. Kelly and Stephen Morgan (the Morgans) appeal the trial court's order dismissing their personal injury action with prejudice as a sanction after the trial court found that the Morgans had attempted to perpetrate a fraud on the court. The trial court's dismissal resulted in entry of a final judgment in favor of defendants Michael Campbell, Stephen Albaugh, Jennie Ohlsen, and Allen Ohlsen (the defendants). We affirm. The Morgans sued the defendants for personal injuries allegedly arising out of a July 1996 auto accident. The parties engaged in extensive discovery in preparation for trial. In her deposition, Kelly Morgan denied that she had ever experienced neck or low back pain before the accident. While she testified at deposition that Dr. Merritt, a chiropractor, had given her preventative treatments for scoliosis six to eight times over a two -year period, she denied that Dr. Merritt had treated her for neck or low back pain and denied ever seeing any other chiropractor. During her independent medical evaluation, Kelly Morgan again denied that Dr. Merritt had ever treated her neck. Despite this unequivocal testimony at both her deposition and her independent medical evaluation, the facts established at the evidentiary hearing on the defendants' motion for sanctions were that Dr. Merritt had treated Kelly Morgan sixteen times between June 1992 and August 1995 based on her complaints of both neck and low back pain. The facts further established *253 that Kelly Morgan sought treatment from another chiropractor in 1991. At the end of Page 2 the evidentiary hearing, the trial court found: [These are not what I would refer to as oversights or simply failed memory, if you will. But it seems to be a whole line of answers that are designed to deceive and outright cover up what the records actually show. I mean, some of these questions are just, you know, pointblank.... I don't know how more clear it can be.... ... [T]he testimony in this case appears to me to be blatantly false. Based on this finding, the trial court dismissed the Morgans' complaint with prejudice as a sanction for their attempt to perpetrate a fraud on the court. The Morgans appeal this ruling. t1][21131 A trial court has broad discretion to impose sanctions on litigants for their conduct before the court. This court reviews the trial court's imposition of sanctions under an abuse of discretion standard: In reviewing a true discretionary act, the appellate court must fully recognize the superior vantage point of the trial judge and should apply the "reasonableness" test to determine whether the trial judge abused his discretion. If reasonable men could differ as to the propriety of the action taken by the trial court, then the action is not unreasonable and there can be no finding of an abuse of discretion. The discretionary ruling of the trial judge should be disturbed only when his decision fails to satisfy this test of reasonableness. Mercer v. Raine, 443 So.2d 944, 946 (F1a.1983) (quoting Canakaris v. Canakaris, 382 So.2d 1197, 1203 (F1a.1980)). Thus, the question in this case is whether the trial court abused its discretion by imposing an unreasonable sanction. ® 2005 Thomson/West. No Claim to Orig. U.S. Govt. Works. 816 So.2d 251 816 So.2d 251, 27 Fla. L. Weekly D1148 (Cite as: 816 So.2d 251) 0j This court has held that a trial court has the inherent authority to dismiss an action as a sanction when the plaintiff has perpetrated a fraud on the court. See Tri Star Invs. v. Miele, 407 So.2d 292, 293 (Fla. 2d DCA 1981). This power exists because "no litigant has a right to trifle with the courts." Id However, because of the consequences of such a dismissal, this sanction should be imposed only on a "clear showing of fraud, pretense, collusion, or similar wrongdoing." Id [5] Based on the record before us, we conclude that the trial court did not abuse its discretion by imposing an unreasonable sanction. Kelly Morgan's false testimony was directly related to the central issue in the case - whether the accident in question caused her neck and low back injuries. The trial court assessed the credibility of Kelly Morgan's testimony at the evidentiary hearing in light of the record evidence and found her explanations for the discrepancies not credible. The extensive and ongoing treatments reflected in the medical records belie Kelly Morgan's contention that she "forgot" that Dr. Merritt had treated her for neck pain for years before the accident. Her explanation that she did not understand a question about "pain or problems" with her low back to require her to disclose the low back "stiffness" for which Dr. Merritt treated her for years is equally suspect. The Morgans contend that dismissal constitutes an unreasonable sanction in this case because Kelly Morgan was truthful about some matters relating to her low back and because she admitted to some treatment by Dr. Merritt, even if she did not admit the full extent of that treatment. However, as the Fifth District has stated, *254 "[t]he integrity of the civil litigation process depends on truthful disclosure of facts." Page 3 Cox v. Burke, 706 So.2d 43, 47 (Fla. 5th DCA 1998). Revealing only some of the facts does not constitute "truthful disclosure." See Metro. Dade County v. Martinsen, 736 So.2d 794 (Fla. 3d DCA 1999) (reversing jury verdict for the plaintiff and remanding for dismissal of the plaintiff s case because she had not revealed full and complete information to clear and unambiguous questions during discovery despite the fact that the plaintiff provided some truthful information about her treating doctors and was impeached with her misrepresentations and omissions at trial). See also Baker v. Myers Tractor Servs., Inc., 765 So.2d 149 (Fla. 1st DCA 2000) (affirming dismissal of case based on plaintiffs false statements during his deposition despite the fact that he filed a belated errata sheet to that deposition in which he corrected his false statements). Based on the half - truths Kelly Morgan told during discovery, the Morgans have not shown that the trial court abused its discretion by imposing an unreasonable sanction. Affirmed. STRINGER, J., Concurs. ALTENBERND, J., Concurs with opinion. ALTENBERND, Judge, Concurring. I concur with the majority in this opinion with some hesitation. Kelly Morgan did not conceal the existence of her chiropractor from the defendant; she did misrepresent under oath the nature and extent of her prior treatment. Because she disclosed the identity of the chiropractor, the defendant was fully able to determine the truth. There © 2005 Thomson/West. No Claim to Orig. U.S. Govt. Works. 816 So.2d 251 816 So.2d 251, 27 Fla. L. Weekly D1148 (Cite as: 816 So.2d 251) is little question in my mind that twenty -five years ago these circumstances would have given the defense lawyer a wonderful topic for cross - examination, but the case still would have proceeded to trial by jury. The courts have gradually become more willing to use the ultimate sanction of dismissal with prejudice against plaintiffs who play fast and loose with the truth. I am concerned that if judges are permitted to take cases from the jury under these circumstances, the rule should apply equally to defendants. The case law should authorize plaintiffs to obtain orders defaulting defendants on the issues of liability and comparative negligence for the same misconduct that would result in the dismissal of a plaintiffs action. I am not confident that the current case law is subjecting both sides to equal sanctions for equivalent misconduct. 816 So.2d 251, 27 Fla. L. Weekly D1148 END OF DOCUMENT © 2005 Thomson/West. No Claim to Orig. U.S. Govt. Works. Page 4 PUBLIC RISK MANAGEMENT OF FLORIDA 3434 Hancock Bridge Pkwy, Suite 203 Fort Myers, FL 33903 Toll -Free 800- 367 -1705 Main 239 - 656 -4666 Fax 239 - 656 -1066 February 23, 2005 TO: All PRM Board Members and Alternate Members FROM: Judy Hearn Assistant Executive Director, Secretary to the Board REFERENCE: Posting of Public Notice Board of Directors Meeting ••• • • ••• ••• ••• ••• • ••• ••• • ••• ••• ••• ••• • ••• ••• ••• ••• ••• ••• ••• •• ••• •• ••• ••• ••• ••• ••• ••• ••• ••• ••• ••• Please post the enclosed meeting notice in a display area for such notices in your entity's offices. We ask that you ensure these are placed in a prominently displayed area to allow the public to attend should they wish to do so. Your cooperation is greatly appreciated. JH: smb Encl: Public Notice of Meeting Board of Directors Meeting Agenda Directions NOTICE OF MEETING OF PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING March 11, 2005 Public Risk Management of Florida, an intergovernmental risk management association, organized under Florida Statutes 163.01, hereby gives notice of its Board of Directors Meeting to be held on Friday, the 11th of March, 2005. The meeting will be held at 10:00 am in the Ballroom on the Mezzanine Level of the Terrace Hotel, 329 E. Main Street, Lakeland, Florida 33801. Directions to the meeting site are attached, as well as a copy of the agenda for said meeting. This is a public meeting and open for comments. If a person decides to appeal any decision considered at this meeting, he or she may need a record of the proceedings, and that, for such purpose, he or she may need to ensure that a verbatim record of the proceedings is made, which record includes the testimony in evidence upon which the appeal is based. Public Notice Terrace Hotel 329 E. Main Street Lakeland, FL 33801 -5046 Phone: 863 - 688 -0800 Toll-Free: 888-644-8400 Directions from Tampa 1-4 East toward Orlando Exit 16 Memorial Blvd. (approx. 3.5 mi.) Right on Massachusetts Ave. (approx. 1 mi.) Hotel is located at the corner of Main St. & Massachusetts Ave. Directions from Orlando 1-4 West toward Tampa Exit 33, State Road 33 Continue South (approx. 4 mi.) (SR 33 changes name to Lakeland Hills Blvd., then Massachusetts Ave.) Hotel is located at the corner of Main St. & Massachusetts Ave. Directions from Ft. Myers 1 -75 North to Exit 164 (old Exit 29), US Route 17 North Follow 17 North to Bartow, turn left on US Route 98 Follow 98 North into town, turn left on Main Street and follow around the lake to the hotel, located at the comer of Main St. & Massachusetts Ave. Complimentary valet parking at hotel. Mar 02 05 0401p PRM of FL 2396561066 PUBLIC RISK MANAGEMENT OF FLORIDA 3434 HANCOCK BRIDGE PKWY, SUITE 203 FORT MYERS, FL 33903 1-800-367-1705 MAIN: 239-656-4666 FAX: 239-656-1066 Servin Florida Public Enrititts March 2, 2005 TO: All PRM Board Members and Alternate Members FROM: Judy Hearn RE: PRM Board of Directors Meeting it* * 4,* * Ac * 44* ******* ** * P.1 The net PRM Board of Directors Meeting will be held on Friday, March 11, 2005, at the Terrace Hotel in Lakeland. To ensure there will be a quorum present, we need to know who will be attending the meeting, as well as a count for lunch Please advise by return fax. / Will attend meeting. Wil: not attend. 0 Will stay for lunch j)thrlet, gtp9iZtS Signature It-k_.) /Ott_ Printed Na Name of Entity Friday 04 of Feb 2005, Faxination To: Al PRM Board Members and Alternates - >8637631686 PUBLIC RISK MANAGEMENT OF FLORIDA Page 2 of 2 BOARD OF DIRECTORS MEETING ♦♦aaaaaaaaaaaa• WHEN: Friday, March 11, 2005 WHERE: Terrace Hotel, Lakeland, FL TIME: 10:00 a.m. Lunch to be provided. The agenda packet, public meeting notice and directions will be sent to you prior to the meeting. Contact the Terrace Hotel at 888 - 644 -8400 if you need overnight accommodations. A block of rooms have been reserved under PRM or Public Risk Management. Be sure to mention you are under the PRM or Public Risk Management group block. To guarantee your room, please call the Terrace by Friday, February 20. ' I -253�l 11 t-o Friday 04 of Feb 2005, Faxination -- >8637(331686 Public Risk Management of Florida 3434 Iiancock Bridge Parkway, Suite 203 Fort Myers, FL 33903 P: 239 -656 -4666 Toll Free: 800- 367 -1705 To: Donna Reynolds Fax Number [18637631686] CC: Andy Cooper, Page of 2 FAX Date: 02/04/05 Total Number of Pages 2 From: Susan Baron Giairns Administrative Assistant Fax Number: 239 - 656 - 3123 Email: sboaron@prrn-fl.com ************ * * * * * * * * * * * * * * * * * * * * * * * * * * * * * ** Subject: Subject Reminder - Board Meeting 3111/05 Susan Baron Claims/Admin. Asst, Public Risk Management of Florida Toll -Fr ee: 60u- 367 -1 705 Oft ee: 239 -656 -4666 Fax: 239- 656 -1066 E -Mail: saaronprrn- fe.com Public Risk Management of Florida's not responsible for errors or omissions in this facsimile message. Any personal comments made in this fax do not reflect the view of Public Risk Management of Florida. 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