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2010-06-18 BOD Meeting
9:00 a.m. PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING Hilton Beach Resort 560 South Collier Blvd, Marco Island, FL June 18, 2010 AGENDA Call To Order John Litton, Chairperson Consent Agenda 1. Request Approval of March 12, 2010 Board Meeting Minutes 2. Request Approval of Treasurer's Report as of March 31, 2010 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. Broker's Report A. Property Renewal B. Market Update C. Renewal Submission World Risk Management 4. Guest Speaker: Dan O'Keefe, Moore Stephens Lovelace, P.A. WRM Independent Audit 5. Guest Speaker: Karen Fontenont, CPA PRM Audit — Financial Statements for YE 9/30/09 6. Guest Speakers: Will Peacock & Kathy Kettering, Merlinos & Associates Actuary — Allocations & Rating Methodology (Insurance Industry Consultants) 7. Executive Director's Report Ross Furry, Executive Director A. Member Safety Awards B. PRM Administrative Activity Report 8. Executive Director Evaluation John Litton, Chairperson 9. Election of Officers John Litton, Chairperson 10. Legal Counsel Donovan Roper, Roper & Roper, P.A. A. Legislative Updates 11. Board Member Items John Litton, Chairperson Public Comment: State full name and address. Discussion must be limited to a maximum of five (5) minutes per person. Adjourn PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING June 18, 2010 CONSENT AGENDA SUMMARY 1. Request Approval of March 12, 2010 Board Meeting Minutes Board Meeting Minutes Attached 2. Request Approval of Treasurer's Report as of March 31, 2010 Financial Reports Attached Bo 9rd Action: Approved Denied Deferred Other 1. BOARD MEETING MINUTES 3/1 2/1 0 PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING TERRACE HOTEL, LAKELAND, FL March 12, 2010 MINUTES Attendance: Preferred Members: Kathy Bennett, City of Avon Park; Lester Baird, Barron Water Control District; Susan Lee, Town of Belleair; Vivian Hunter, City of Belle Glade; Steve Baumgartner, City of Brooksville; Ted Byrd, City of Clewiston; Jerry Hill, DeSoto County BOCC; Mike Sheppard, City of Eustis; Mark Ben - Asher, City of Florida City; Phyllis Kirk, City of Fort Meade; Jane Long, Hardee County BOCC; Jennifer Davis, Hendry County BOCC; Sandy Sanders, City of Indian Rocks Beach; Deanna Cox, Town of Lady Lake; John Litton, City of Lake Mary; Fred Moody, Levy County BOCC; Gerald Wilson, Town of Longboat Key; Katrina Powell, City of Longwood; Jeff Sutton, City of New Port Richey; Steve Gailbreath, City of North Port; Sharon Allison, City of Okeechobee; Robbie Chartier, Okeechobee County BOCC; Connie Collins, City of Oviedo; Mary Kendall, City of Pahokee; Phil Wickstrom, City of Punta Gorda; Bill Cropsey, City of Safety Harbor; Martin Lange, Sarasota /Manatee Airport Authority; Mike Eastman, City of Sebring; Elsie King, South Florida Conservancy District; Gary Behnke, City of St. Pete Beach; Dana March, Sun `n Lake of Sebring Improvement District; Crissy Bublitz, City of Tavares; Woody Hubbard, City of Temple Terrace; James Braddock, City of Wauchula, Frank Gilbert, City of Winter Garden; Katrina Bouthot, City of Zephyrhills Absent: City of Crystal River, Glades County BOCC, Gulf County BOCC, City of Gulfport, Holmes County BOCC, Town of Kenneth City, City of Key Colony Beach [S = Standard Member], City of LaBelle, Town of Lake Placid, City of Lake Wales, Town of Lantana [S], City of Maitland [S], City of Moore Haven, Port of Palm Beach [S], City of Port Richey, Seacoast Utility Authority [S], City of South Pasadena Chairperson John Litton called the meeting to order at 10:10 a.m. with a quorum present. Consent Agenda 1. Request Approval of November 13, 2009 Board Meeting Minutes 2. Request Approval of Treasurer's Report as of December 31, 2009 Mark Ben -Asher made a motion to approve the Consent Agenda. Katrina Powell seconded the motion, and it was unanimously approved. 3/12/10 Regular Agenda 3. Executive Director's Report A. Audit and Actuary Reports — Mr. Furry advised the reports were sent electronically to members. Both the actuary and auditor made presentations to the Executive Board at their February 12th meeting. PRM remains financially sound. B. Request Board Approval of 2010 -11 Administrative Budget — This year's budget totals $1,242,851, a 14% decrease from the prior year. An additional adjustment of $18,200 is required to compensate the Insurance Advisor until May 1. Mr. Ben -Asher made a motion to approve the 2010 -11 Administrative Budget with the additional month's compensation for the Insurance Advisor. Ms. Powell seconded the motion, and it was unanimously approved. C. 2010 Educational Conference — Estimated cost to fund one night's stay for Preferred Board Members and Alternates at the PRM Conference in Marco Island is $12,384. Steve Gailbreath made a motion to use surplus funds for one night's room accommodation for each Preferred Board Member and Alternate of the P &C Pool. Connie Collins seconded the motion, and it was unanimously approved. D. 2011 Member Notice to Withdraw — Gulf County BOCC has provided their notice to withdraw effective 3/31/11. E. On -Site Property Appraisals — CBIZ will be contacting members to schedule on -site property appraisals. 4. Insurance Advisor's Report (out of order) C. Insurance Advisor Job Description — Mr. Tobey advised his responsibility to PRM will not change. A. Six Year Loss Analysis — The 6 -year analysis provides an idea on our position with losses. B. 2010 to 2011 Loss Fund Calculation Recommendation — The Loss Fund is adequately set. In three years the Loss Fund should be $10,290,000. Last year surplus was used to help fund the Loss Fund. Surplus funds will again be utilized this year. 3/1 2/1 0 2 5. Broker's Report (out of order) B. Members Who Have Given Notice — Mr. Cooper reviewed status of members who had given notice. The City of Crystal River has submitted their final notice to withdraw from PRM, effective 3/31/10. A. 2010 Renewal — Renewal packets were distributed. Declaration pages were included in the packets. Mr. Cooper reviewed the action taken to finalize renewal pricing for April 1. Property renewal is June 1 and WRM will deliver all property policies to PRM by the end of July. Mr. Bangloria reviewed each line of coverage and explained the carriers selection process. WRM is investigating enhancements to the coverage document on property to include pollution clean up. One Beacon was selected this year to underwrite coverage for Auto Liability, General Liability, and Public Officials with $200,000 SIR. Liberty will provide Workers' Compensation coverage with a $200,000 SIR. Property SIR is $100,000. Boiler & Machinery is still a separate, stand alone policy for members, but is included in the property allocation. [The Hendry County representative entered the meeting at 10:55 a.m.] Mr. Ben -Asher inquired about the Board's decision to not cover uninsured motorists and requested the reasoning behind the decision. Mr. Ben -Asher was also concerned about the lack of coverage for red light cameras currently being utilized in a number of communities. Members are experiencing litigation proceedings. Steve Gailbreath requested a memo outlining coverage and legality of handling a claim. WRM will provide the information. Mr. Caldwell advised that on average most members realized a decrease in renewal rates. Those experiencing an increase were the result of exposures and experience. 6. Chairperson's Items A. Request Approval to Utilize Surplus to Offset Member Loss Fund Contributions B. Approval of 2010 -11 Total PRM Program Renewal as presented by World Risk Management Phil Wickstrom made a motion to approve the 2010 -11 Renewal including the use of surplus to offset member Loss Fund contributions. 3/1 2/1 0 3 Mr. Gailbreath seconded the motion, and it was unanimously approved. C. Executive Director's Evaluation — In lieu of discussing Mr. Furry's evaluation, Mr. Litton advised that Mr. Furry has announced his retirement, effective April 11. Ms. Hearn agreed to serve as Acting Director until a successor is named. Frank Gilbert made a motion naming Judy Hearn Acting Executive Director. Ted Byrd seconded the motion, and it was unanimously approved. 7. Legal Update Mr. Roper reported on two firefighter presumption cases in which heart disease was discovered during pre - employment physicals. Presumption of compensation was denied on both cases. 8. Board Member Items A. Election of Officers — June Board Meeting — The term of office for Chairperson, Treasurer, and two Representatives expire 9/30/10. Elections for these positions will be held at the June 18 Board Meeting. Individuals interested in serving in one of the positions should submit their bios to the PRM office. Nominations will also be taken from the floor. There was no public comment. Jamie Braddock made a motion to adjourn. Ms. Collins seconded the motion, and the meeting adjourned at 11:15 a.m. Respectfully submitted, Judith A. Hearn Assistant Executive Director Secretary, PRM Board of Directors JAH:smb O:\Judy \BD MTGS\Board of Directors Meeting 3 -12 -10 3/12/10 4 MARCH 12, 2010 @ 10:00 A.M. [Std Member — Non- Voting] Avon Park, City of Barron Water Control District Belleair, Town of Belle Glade, City of Brooksville, City of Clewiston, City of Crystal River, City of DeSoto County BOCC Eustis, City of Florida City, City of Fort Meade, City of Glades County BOCC Gulf County BOCC Gulfport, City of Hardee County BOCC Hendry County BOCC Holmes County BOCC PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING LAKELAND, FLORIDA Kathy Benn Renee Green Le ter Baird J. P. Murphy Vivian Steve Baumg Ted Byrd Deanna Rowe ■tj Jerry Hill v Mike Shep ne Norman -Vacha Laurie Lindsey Linda St on Clark Ben -Asher Phylli Kirk Robert Giesler Denise Manuel Jennifer Valdes Monty Merchant Paul Erickson Ann Isaacs Deena Ware Mary Ann Dotson Don Butler Mercedes Perez Danny Weeks Karson Turner Sherry Fitzpatrick Indian Rocks Beach, City of Kenneth City, Town of Key Colony Beach, City of LaBelle, City of Lady Lake, Town of Lake Mary, City of Lake Placid, Town of Lake Wales, City of Lantana, Town of Levy County BOCC Longboat Key, Town of Longwood, City of Maitland, City of Moore Haven, City of New Port Richey, City of North Port, City of Okeechobee, City of Okeechobee County BOCC andy Sand Susan Scrogham Vickie Bollinger (contact) Michael Boyle Chuck Coward Thomas Goldberg Lisa Smith eanna Cox Tahia O'Neal John Litton Arlene Tuck Sandra Davis Theresa Walker Jacqueline Soya Phil Williams Jacqueline Martin Thomas Kelley Dawn Jackson Sharon Anselmo Maxine Brantley Melissa Arnold Steve Gailbreath obbie Chartier Thomas O'Neill Sherry Borgsdorf Clayton Williams Lyndon Bonner Oviedo, City of Pahokee, City of Port of Palm Beach Port Richey, City of Punta Gorda, City of Safety Harbor, City of Sarasota/Manatee Airport Authority Seacoast Utility Authority Sebring, City of South Florida Conservancy South Pasadena, City of St. Pete Beach, City of Sun n' Lake of Sebring Tavares, City of Temple Terrace, City of Wauchula, City of Winter Garden, City of Zephyrhills, City of Connie Collins Derrek Moore Paul Zielinski (contact) Phil W kstrom PC Bill Cropsey Hope Dexter (contact) John Clark David Davis James Graham Dana March Pam Zeigler David Drury Alan Zimmet John Schussler Mike Bonfield Ileana Martinez Kim D. Leinbach Terri Svendsen Peggy Carpenter GUESTS / ADDITIONAL ATTENDEE SIGN IN SHEET + + + MARCH 12, 2010 Name Entity / Company Signature flu CC.f1AEL L Es OAR u (21,1% It26-0 Poer fecgLi 214„,:o 17-94k0 LA043z_ M ; ILr.Lr; 2. TREASURER'S REPORT AS OF 3/31/10 PUBLIC RISK MGMT OF FL BALANCE SHEET MARCH 31, 2010 CURRENT ASSETS PETTY CASH $ 329,484.70 OPERATING - BB & T 34,792,163.60 CASH - C.D. 20,000,000.00 A/R MEMBERSHIPS 171,999.95 A/R TRADE 3,218.46 A/R - PRM GR HLTH 1,068,627.24 A/R CONSULTANT FEE- MEMBERS 2,083.46 A/R- REINSURANCE RECOVERIES (8,706,933.69) A/R OTHER 2,300.61 A/R -STATE W/C ASSESSMENT 56,945.96 A/R- APPRAISALS 767.00 A/R - ADDITIONAL INSURANCE 501.21 A/R - SCHOLARSHIP PROGRAM 8,705.00 DUE FROM MEMBERS 1,750,000.00 STATE ADMIN. FUND 1,963.11 TOTAL CURRENT ASSETS 49,481,826.61 PROPERTY AND EQUIPMENT FURNITURE & FIXTURES 33,422.72 LESS: ACCUM. DEPRECIATION (32,649.79) OFFICE MACHINES & EQUIPMENT 71,033.63 LESS: ACCUM. DEPRECIATION (44,881.02) AUTOMOBILE 116,538.79 ACCUMULATED DEPRECIATION (51,547.93) TOTAL PROPERTY & EQUIPMENT 91,916.40 OTHER ASSETS PREPAID INSURANCE 2,565,849.48 PREPAID FLOOD INSURANCE 94.49 PREPAID EXPENSES 24,634.79 DEFER MEMBER CONTR - 1987 -89 183,808.00 DEFER MEMBER CONTR - 1989 -90 295,679.00 DEPOSITS 5,665.06 TOTAL OTHER ASSETS 3,075,730.82 TOTAL ASSETS LIABILITIES ACCOUNTS PAYABLE $ (108,476.45) A/P - GALLAGHER/RISX -FACS 577,014.21 FEDERAL TAXES PAYABLE (8,459.73) PEBSCO PAYABLE 388.26 A/P EMP LIFE INS 112.77 A/P - OTHER (1,190.50) A/P - LOSS PREVENTION 14,454.73 ACCRUED VACATION 41,121.55 DEFERRED REVENUE 7,318,510.92 ADVANCE FROM REINSURER 7,111,805.45 CLAIMS PAYABLE - 1987 -89 (584,170.96) CLAIMS PAYABLE - 1990 -91 (27,767.13) CLAIMS PAYABLE - 1991 -92 (7,188.33) CLAIMS PAYABLE - 1992 -93 63,368.87 CLAIMS PAYABLE - 1993 -94 33,817.34 CLAIMS PAYABLE - 1994 -95 36,870.43 CLAIMS PAYABLE - 1996/97 (45,239.16) CLAIMS PAYABLE - 1997/98 (1,739,234.65) CLAIMS PAYABLE - 1998/99 (120,023.22) CLAIMS PAYABLE - 1999/00 (232,410.44) CLAIMS PAYABLE - 2000/01 (406,917.19) CLAIMS PAYABLE - 2001/02 (499,042.93) CLAIMS PAYABLE - 2002/03 75,185.34 CLAIMS PAYABLE - 2003/04 (1,954,553.62) CLAIMS PAYABLE - 2004/05 708,179.15 CLAIMS PAYABLE - 2005/06 (1,209,839.77) CLAIMS PAYABLE - 2006/08 17,243,892.42 CLAIMS PAYABLE - 2008/09 3,375,113.93 $ 52,649,473.83 NONCURRENT CLAIMS PAYABLE SUSPENSE - CLEARING ACCOUNT PUBLIC RISK MGMT OF FL BALANCE SHEET MARCH 31, 2010 (17,859,132.04) 14,495,419.00 TOTAL LIABILI I'IES 26,291,608.25 CAPITAL FUND BALANCE REVENUE IN EXCESS OF EXPENSE TOTAL CAPITAL TOTAL LIABILITIES & CAPITAL 30,073,213.58 (3,715,348.00) 26,357,865.58 $ 52,649,473.83 REVENUES MEMBERSHIP ASSESSMENTS INTEREST INCOME TOTAL REVENUES PUBLIC RISK MGMT OF FL INCOME STATEMENT FOR THE SIX MONTHS ENDING MARCH 31, 2010 CURRENT MONTH YEAR TO DATE (10,533.76) $ 6,604,815.95 9,674.38 85,337.88 (859.38) 6,690,153.83 EXPENSES OFFICERS' SALARIES 14,090.60 73,271.12 OFFICE SALARIES 49,143.95 255,548.54 PAYROLL TAXES 5,168.85 23,944.77 EMPLOYEE RETIREMENT BENEFITS 1,367.36 36,287.98 HEALTH INSURANCE - OFFICER 1,695.47 10,172.82 HEALTH INSURANCE - OFFICE 10,136.50 61,021.17 LIFE INSURANCE- OFFICER 85.26 511.56 LIFE INSURANCE- OFFICE 148.91 904.10 LTD INSURANCE 1,293.36 7,479.18 LEGAL FEES 1,580.58 10,809.11 AUDIT FEES 0.00 29,000.00 ACTUARIAL STUDY 25,917.12 25,917.12 APPRAISAL FEE EXPENSE 0.00 3,000.00 AUTO EXPENSE 148.20 2,288.48 TRAVEL EXPENSE 2,955.55 24,246.42 ASSOCIATION MEMBERSHIPS 212.00 957.00 DUES & SUBSCRIPTIONS 276.00 1,268.43 EDUCATION/TRAINING /CONFER. 152.11 943.43 OFFICE LEASE 6,567.53 39,405.18 JANITORIAL / CLEANING 560.00 1,820.00 OFFICE /COMPUTER EQUIPMENT 7,000.00 20,367.81 TELEPHONE 1,877.22 9,320.90 COPY MACHINE LEASE 203.00 1,218.00 OFFICE SUPPLIES 1,568.32 7,792.05 NEWSLETTER 0.00 1,665.00 POSTAGE 443.56 1,919.93 PRINTING 0.00 3,021.90 INSURANCE - FLOOD /GENERAL 2,403.00 2,403.00 LOSS PREV EQUIP & SUPPLIES (608.23) 9,761.65 MARKETING & PROMOTION 3,966.00 4,010.52 MEETING EXPENSE 4,403.50 11,888.47 MISCELLANEOUS EXPENSE 702.90 2,017.91 WEB S11'E MAINT. 4,800.00 4,800.00 GALLAGHER EXCESS INSURANCE 909,213.08 5,455,278.48 CLAIMS EXPENSE 691,330.33 4,149,481.98 INSURANCE CONSULTANT 18,166.67 109,000.02 TOTAL EXPENSES 1,766,968.70 10,402,744.03 REVENUE IN EXCESS OF EXPENSE $ (1,767,828.08) $ (3,712,590.20) STAFFING PUBLIC RISK MGMT OF FL EXPENSES TO BUDGET 04/01/09 - 03/31/10 FOR THE TWELVE MONTHS ENDING MARCH 31, 2009 MONTHLY MONTHLY Y -T -D Y -T -D TOTAL YEAR % of YTD ACTUAL BUDGET ACTUAL BUDGET BUDGET ACTUAL SALARY RELATED EXPENSES OFFICER'S' SALARIES 14,090.60 12,211.83 146,650.62 146,542.00 146,542.00 100.07% OFFICE SALARIES 49,143.95 42,454.08 511,683.70 509,449.00 509,449.00 100.44% PAYRLL TAXES 5,168.85 4,199.92 49,372.40 50,399.00 50,399.00 97.96% EMPLOYEE RETIREMENT BENEFIT 1,367.36 5,757.50 66,623.85 69,090.00 69,090.00 96.43% HELATH INSURANCE- OFFICER 1,695.47 1,663.75 19,589.04 19,965.00 19,965.00 98.12% HEALTH INSURANCE- OFFICE 10,136.50 10,135.92 117,309.19 121,631.00 121,631.00 96.45% LIFE INSURANCE- OFFICER 85.26 86.67 1,037.04 1,040.00 1,040.00 99.72% LIFE INSURANCE- OFFICE 148.91 148.50 2,011.65 1,782.00 1,782.00 112.89% LTD INSURANCE 1,293.36 1,192.50 14,353.71 14,310.00 14,310.00 100.31% TOTAL SALARY RELATED EXPENSE 83,13026 77,850.67 928,631.20 934,208.00 934,208.00 99.40% GENERAL EXPENSES LEGAL FEES 1,580.58 1,250.00 23,060.04 15,000.00 15,000.00 153.73% LEGAL -PRE DEFENSE 0.00 416.67 154.60 5,000.00 5,000.00 3.09% AUDIT FEES 0.00 2,583.33 29,000.00 31,000.00 31,000.00 93.55% ACTUARIAL STUDY 25,917.12 2,500.00 27,667.32 30,000.00 30,000.00 92.22% APPRAISAL FEE EXPENSE 0.00 481.25 4,500.00 5,775.00 5,775.00 77.92% AUTO EXPENSE 148.20 400.00 7,000.41 4,800.00 4,800.00 145.84% TRAVEL - EXPENSE 2,955.55 2,500.00 45,749.43 30,000.00 30,000.00 152.50% ASSOCIATION MEMBERSHIPS 212.00 166.67 957.00 2,000.00 2,000.00 47.85% DUES & SUBSCRIPTIONS 276.00 266.67 2,111.63 3,200.00 3,200.00 65.99% EDUCATION/TRAINING /CONFER 152.11 2,500.00 13,738.89 30,000.00 30,000.00 45.80% OFFICE LEASE 6,567.53 6,690.00 77,853.91 80,280.00 80,280.00 96.98% JANITORIAUCLEANING 560.00 346.67 3,640.00 4,160.00 4,160.00 87.50% OFFICECOMPUTER EQUIPMENT 7,000.00 1,500.00 36,662.07 18,000.00 18,000.00 203.68% TELEPHONE 1,877.22 2,166.67 19,684.63 26,000.00 26,000.00 75.71% COPY MACHINE LEASE 203.00 250.00 2,436.00 3,000.00 3,000.00 81.20% REPAIRS & MAINT. - EQUIPMENT 0.00 166.67 0.00 2,000.00 2,000.00 0.00% OFFICE SUPPLIES 1,568.32 1,166.67 16,161.20 14,000.00 14,000.00 115.44% NEWSLETTER 0.00 333.33 3,330.00 4,000.00 4,000.00 83.25% POSTAGE 443.56 1,083.33 5,208.28 13,000.00 13,000.00 40.06% PRINTING 0.00 166.67 3,157.70 2,000.00 2,000.00 157.89% INSURANCE- FLOOD /GENERAL 2,403.00 250.00 2,403.00 3,000.00 3,000.00 80.10% LOSS PREV EQUIP & SUPPLIES - 608.23 1,833.33 21,483.07 22,000.00 22,000.00 97.65% MARKETING & PROMOTION 3,966.00 375.00 4,441.35 4,500.00 4,500.00 98.70% MEETING EXPENSE 4,403.50 2,008.33 16,954.47 24,100.00 24,100.00 70.35% MISCELLANEOUS EXPENSE 702.90 208.33 4,314.47 2,500.00 2,500.00 172.58% CONFERENCE MEMBER ROOM EXI 0.00 631.33 6,837.00 7,576.00 7,576.00 90.25% TRAINING /SEMINAR PRESENTATIOI 0.00 333.33 0.00 4,000.00 4,000.00 0.00% WEB SITE MAINT 4,800.00 400.00 4,800.00 4,800.00 4,800.00 100.00% INSURANCE CONSULTANT 18,166.67 18,166.67 218,000.04 218,000.00 218,000.00 100.00% TOTAL GENERAL EXPENSES 83,295.03 51,140.92 601,306.51 613,691.00 613,691.00 97.98% TOTAL OPERATING EXPENSES 166,425.29 128,991.58 1,529,937.71 1,547,899.00 1,547,899.00 98.84% PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING June 18, 2010 REGULAR AGENDA SUMMARY 3. Broker's Report World Risk Management A. Property Renewal — Tentative Layering Chart attached. B. Market Update — Recent articles attached. C. Renewal Submission PUBLIC RISK MANAGEMENT OF FLORIDA (PRM) June 1, 2010 to June 1, 2011 All Risk Property Program Laver Authorization Status Report - as of 5/26/2010 (Not to Scale) Subject to change. PARTICIPATIONS $500M $425M XS $75M (excluding NSW, EQ, Flood & NV Flood) Domestic Total = $425M or 100% $75M $55M XS $20M (incl. NSW, EQ, Flood & AN Flood). EQ sublimit $25M, Flood sublimit $50M London /Bermuda $25M XS $50M (including NSW, excl. $25M XS $50M (including NSW, EQ, Flood & A/V Flood) London excl. EQ, Flood & AN Flood) Domestic $50M $40M Total = $11.25M or 45% Total = $25M or 100% $10M XS $40M (including NSW, Flood & AN Flood, excl. EQ) Domestic Total = $10M or 100% $20M XS $20M (including NSW, EQ Flood & A/V Flood) (EQ sublimited at $5M xs $20M) London $20M XS $20M (including NSW, EQ Flood & NV Flood) (EQ sublimited at $5M xs $20M) Domestic Total = $8.25M or Total = $4.5M or 22.5% $20M $20M PRIMARY (including NSW, EQ, Flood & AN Flood) London Total = $20M or 100% Total = $20M or 100% C'W.., ,0nUppOshacca5 croso1Wki0Ow\Tprporary kont FAe000Mm1.0U0w101.1CPJVP2OPRM 2010 Structure Chan 5 .12.10 London forecaster sees active Atlantic hurricane season I Printer - friendly version I Busine... Page 1 of 1 Printed from BusinessInsurance.com London forecaster sees active Atlantic hurricane season Posted On: May. 25, 2010 10:01 AM CST Michael Bradford ( mailto: mbradford @Businesslnsurance.com) LONDON —The Atlantic hurricane season that begins June 1 is expected to spawn an unusually high number of storms, experts said in a Tuesday forecast. London -based Tropical Storm Risk, which maps and predicts tropical cyclone activity through its affiliation with University College London and collaboration with Aon Benfield's research operations, said there is a 77% probability that this year's Atlantic Ocean hurricane season will be above - normal. Twelve hurricanes are expected, with four of those being intense, according to TSR. That compares with long -term norms of nine hurricanes in a season, with three of those being intense, TSR said in a statement. TSR said it expects two hurricanes and three tropical storms to reach the U.S. mainland this season, slightly above normal. "Every main climate indicator points to the 2010 hurricane season being active," said Mark Saunders, a University College London professor who heads TSR. "If La Nina develops during the second half of 2010, the above -norm hurricane levels will be even higher." La Nina is a weather phenomenon in which the equatorial waters of the Pacific Ocean cool and affect the weather. TSR's report on the upcoming hurricane season is at www.aon.mediaroom.com (http: / /www.aon.mediaroom.com) . http: / /www.businessinsurance.com /apps /pbcs.dll /article ?AID= /20100525/NEWS/ 1005299... 5/25/2010 , Economic damage from Polish flood may top $3B I Printer - friendly version I Business Ins... Page 1 of 1 Printed from Businesslnsurance.com Economic damage from Polish flood may top $3B Posted On: May. 21, 2010 10:30 AM CST KRAKOW, Poland (Bloomberg) —Flood damage in southern Poland may exceed 10 billion zloty ($3 billion) after heavy rain swelled the Vistula River to its highest level in 160 years, said Prime Minister Donald Tusk. The government will seek financial aid from European Union funds aimed at helping cover the costs as "kilometers of levees will have to be repaired or rebuilt," Mr. Tusk told lawmakers Friday. Fiat S.p.A., the carmaker that is Poland's second - largest exporter, suspended production at its plant in Tychy for a second day after supplies of windshields from a local producer were disrupted, Boguslaw Cieslar, a spokesman for Fiat Auto Poland S.A., said by phone. Output is unlikely to resume Friday or Saturday, he said. PZU S.A., Poland's largest insurer, received about 15,500 claims between May 15 and Thursday evening, spokesman Michal Witkowski said by phone. That compares with 16,600 claims in June and July last year, when the company paid out about 70 million zloty ($21 million) in compensation for flood damage. Poland is struggling to accelerate its rate of economic growth, which slowed to 1.8% last year, the least in almost a decade, Citigroup's chief economist in Poland, Piotr Kalisz, estimates industrial growth may be reduced by approximately 1 percentage point, provided the floods last around a week. The government targets economic growth of about 3% this year. While the flooded areas account for about one -third of Polish gross domestic product and 40% of industrial output, only a fraction of the companies in the region will be directly affected by the calamity, Mr. Kalisz said in a note. Elektrownia Kozienice, located near the Vistula and owned by Poland's third - largest power group, Enea S.A., is "fully operating," spokesman Pawel Oboda said in an e- mailed statement. "All units are operating at full capacity," Mr. Oboda said, adding that there is no flood threat for the plant. ©2010 Bloomberg News http:// www, businessinsurance .com/apps /pbcs.dll /article ?AID= /20100521 /NEWS /1005299... 5/25/2010 Nashville floods put pressure on Congress to extend NFIP I Printer - friendly version I Busi... Page 1 of 2 Printed from Businesslnsurance.com Nashville floods put pressure on Congress to extend NFIP Short -term fix likely as expiration date looms Posted On: May. 23, 2010 6:00 AM CST Jeff Casale (mai lto jcasale @Businesslnsurance.com) Heavy rains led to flooding in Nashville, Tenn., earlier this month. The losses may prompt Congress to extend the federal flood insurance program. PHOTO: UPI/LANDOV NASHVILLE, Tenn. — Severe flooding that hit Nashville, Tenn., shows the pressing need to extend the National Flood Insurance Program and may be the catalyst to get a reluctant Congress to act, experts say. According to the National Weather Service, 13.5 inches of rain fell on the Nashville area between May 1 -2, causing the Cumberland River to flood much of Music City USA. Insurance industry and weather experts have categorized the event as a 500 -year flood. However, it affected areas of Nashville and Davidson County that were never expected to flood. The Property Claim Services unit of Insurance Services Office Inc. does not have an insured loss estimate, but has assigned the event a catastrophe serial number, which means estimated insured losses exceed $25 million. Nashville Mayor Karl Dean estimated damages in the city alone could top $1 billion, while insurance industry experts said losses could top $1.5 billion. According to New York -based consultant Towers Watson & Co., a $1.5 billion loss would make the Nashville flood the seventh- largest nontropical convective storm event on record. Of 25,082 in -force flood polices in Tennessee as of March 4, 100 were in Davidson County, which includes Nashville, according to the Federal Emergency Management Agency, which runs the NFIP. However, the NFIP will expire May 31 if Congress doesn't extend it. The program has lapsed twice this year. http: / /www.businessinsurance. com /apps /pbcs. d11 /article ?AID= /20100523/I S SUE01 / 10052... 5/25/2010 Nashville floods put pressure on Congress to extend NFIP 1 Printer - friendly version 1 Busi... Page 2 of 2 House Financial Services Committee Chairman Barney Frank, D- Mass., has proposed H.R. 5255, which would extend the NFIP temporarily. Additionally, the House Financial Services Committee has endorsed H.R. 5114, a comprehensive NFIP reform bill brought by Rep. Maxine Waters, D- Calif. Rep. Frank's bill, the Stable Flood Insurance Authorization Act of 2010, would extend coverage through Sept. 30. Rep. Waters' bill, the Flood Insurance Reform Priorities Act of 2010, would extend coverage through Sept. 30, 2015. The idea is to provide two options to the Senate, which has been reluctant to approve a long -term NFIP extension because lawmakers disagree on various changes. The options are a short-term solution to get through hurricane season and a long -term solution that backers say would provide stable rates, eliminate subsidies and increase limits for homeowners and businesses. Outside of those two measures, a third bill —H.R. 4213 —which focuses mostly on federal COBRA premium subsidies, also includes an NFIP extension through the end of the year. The National Assn. of Mutual Insurance Cos., the Independent Insurance Agents & Brokers of America and Property Casualty Insurers Assn, of America back the measures proposed by Reps. Frank and Waters. "I think (the Nashville) flood might definitely influence Congress to come up with ways to continue the NFIP, but I think they will just extend it for the short term," said John DeMartini, Stamford, Conn. -based executive vp and catastrophe manager at Towers Watson. With roughly 4,000 in -force NFIP policies at the time of the flood, many insurance industry experts speculated much of the loss may be uninsured. "Outside of the Opryland area, which had extensive damage, claims are anywhere between $5,000 and $500,000," said Rich Lafayette, Atlanta -based vp and managing director of Crawford & Co., an independent claims handler. Opryland contains the Opryland Hotel and Convention Center as well as the famed Grand Ole Opry House music theater. NFIP coverage has a $250,000 limit for homeowners and a $500,000 limit for commercial businesses. As for the flood insurance market, Mr. DeMartini said he expects coverage will be available to those who live in flood -prone areas. "Under normal circumstances, insurers would retreat and become more aware of flood potential and reduce capacity," Mr. DeMartini said. "But in a soft market, underwriters tend to have short memories. There might be an initial reaction to get a handle on their flood exposures, but I don't think (people) will have trouble finding coverage." Al Tobin, New York -based managing director for Aon Risk Services, said the need for NFIP could not be more important given this year's flooding in Nashville and New England. He also cited 2008 Midwest floods that affected Iowa and Missouri. "If this program didn't exist during the flooding that took place in Cedar Rapids (Iowa) in 2008, the damage to the communities in that area would have been devastating," Mr. Tobin said. "The extension of NFIP is a big concern, but Congress doesn't seem too excited to extend it on a Iong -term basis." http: / /www.businessinsurance.com/ apps /pbcs.dll /article ?AID= /20100523/ISSUE01 /10052... 5/25/2010 CATASTROPHES • • • cRara,ammmn., :. rt1( it812 4 " Z ; - . + '.A- ,Y "qr t. ytrrj" {``m.'e'" �,y'i £ y'� rt^I Y�, ..•.. APP ero The (Gaylord Op ylandResort; &';Convention Center, was; one of many, Nashville, Tenn., busjnesses hit`;by Iloodinq'caused by,heavyraln:, { Significant losses ex .`ect... after floods soak Nashville By JEFF: CASALE NASHVILLE, Tenn. —Music City USA is cleaning up from torrential rains that caused the Cumberland River to flood parts of downtown Nashville, Tenn., and nearby sub- urbs, damaging thousands of homes and businesses. Flash flooding from storms that swept through Kentucky, Mississip- pi and.Tennessee earlier this month caused significant damage in Nashville, where Mayor Karl Dean last week estimated damages in the city alone could top $1 billion, according to reports. There have been 30 reported deaths in Tennessee, Mississippi and Kentucky due to the storm. Gary Kemey, assistant vp of the Insurance Services Office Inc.'s Property Claim Services unit, said a catastrophe serial number, which is assigned when the estimated insured losses exceed $25 million, had been assigned for insured prop- erty damage caused by the severe weather and flooding, but said that "PCS has no information on the extent of insured damage nor infor- mation regarding uninsured losses." Hooding extensively damaged the Gaylord Opryland Resort & Conven- tion Center, which officials said result- ed in more than $75 million in dam- age to the hotel and will dose it for up to six months, according to reports. The Grand Ole Opry House as well. as the Country Music' Hall of Fame and Museum also were hit by the flooding 'The Opryland area suffered mas- sive devastation," said James H. Costner, Nashville -based senior vp of Willis Group Holdings P.L.C.'s national property practice. He said the city's banking and legal district was without power a majority of last week and that tens of thousands of trucks were submerged, as Nashville is a major transit hub for distributors. In addition, one of two of Nashville's water treatment plants was disabled. "The insured losses from this are going to be major," Mr. Costner said. The National Flood Insurance Program, which is run by the Feder- al Emergency Management Agency, may cover some losses experienced by businesses and homeowners that purchased the coverage. However, Mr. Costner and other insurance experts said flooding reached areas that are not federally designated flood zones. According to FEMA, Nashville and Davidson County, Tenn., had 4,100 NFIP polities in force as of March. PROPERTY /CASUALTY INSURERS Property /casualty rates remain soft Pricing aids buyers but squeezes brokers: RIMS survey By MARK A. HOFMANN The soft commercial property/casu- alty insurance market shows no sign of ending, according to a sur- vey released last week by the New York -based Risk & Insurance Man- agement Sodety Inc. The "RIMS Benchmark Survey," which is administered by New York - based consultant Advisen Ltd., found decreases in premiums for every line of coverage tracked by the survey during the first quarter this year. The survey found that general lia- bility was the most competitive line during the quarter, with the average premium: falling 4.4%. The average COSTS.TRENDING DOWN Changes in premiums during first- quarter 2010 compared with first - quarter 2009 • General liability: DOWN 4.4% Property: DOWN 2.9% • Workers compensation: DOWN 2% • Directors.and officers liability: DOWN 1.1 %: Source: 'RIMS Benchmark Survey° property premium, which had been essentially flat during the past sever- al quarters, fell 2.9%. The average workers compensation premium fell 2% and the average directors and officers liability premium declined 1.1%. The average D &O premium "had been flat to slightly higher through- Rates: er CONTINUED:FROM PAGE 3 low single -digit decreases In;premi- um. If there's anything surprising here, it'sithatgeneral Liability fell off •a bit more'than we expected, but it has been very competitive over the past several years. "There's nothing to suggest the market's going to turn in 2010," Mr. Bradford said. "We're expecting to see continued gradual erosion this year, but nothing very dramatic." Rates were lower, but insurers still posted good results last year, said Robert Cartwright, a RIMS director and loss prevention manager for Bridgestone Americas Holding:lnc. in Exton, Pa. That means underwrit- ers have not been "highly motivat- out 2009 due to rate increases in the financial institution sector, but those increases now have abated," RIMS and Advisen said in a state- ment about the survey results. "Insurance capacity is abundant throughout the commercial lines market, but the lingering impact of the global recession has reduced the demand for that capacity," Dave Bradford, Advisen executive vp, said in the statement. "Abundant capac- ity, coupled with diminished demand, keeps downward pressure on rates. As things now stand, insurance buyers can anticipate another year of favorable insurance prices, although catastrophe claims always are a wild card in the pricing cycle." "There were no big surprises," Mr. Bradford said in an interview. "We continued to expect to see in 2010 See RATES page 18 Jcasualty prices stay soft 'We're expecting to see continued gradual erosion this year, but nothing very dramatic.' Dave Bradford, Advisen Ltd. ed" to seek higher premiums, which he said is "good news for risk man- agers." But with forecasts of an active hurricane season, "large catastrophe losses could cause prices to increase across the board," he said in the statement. While positive for buyers, "insur- ance brokers are suffering from the double whammy of lower rates and reduced premiums levels resulting from the lingering effects of the recession," according to the state- ment. Rates for some types of insurance are calculated based on payroll and revenue, which fell "substantially" during the recession, according to the survey. "Workers compensation premi- um volume, which is based princi- pally on payroll, has been particu- larly hard -hit by the economic downturn. Consequently, many brokers have been forced to stream- line operations and reduce head count to maintain profitability." PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING June 19, 2009 REGULAR AGENDA SUMMARY 4. Guest Speaker: Dan O'Keefe, Moore Stephens Lovelace, P.A. Mr. O'Keefe will report on an independent audit of World Risk Management. 5. Guest Speaker: Karen Fontenont, CPA PRM Audit — Financial Statements for YE 9/30/09 Karen Fontenont, Certified Public Accountant, will present the audit of the financial statements of Public Risk Management of Florida for the year ending September 30, 2009. The presentation includes communications with the Board of Directors in accordance with Statement on Auditing Standards Number 114, "The Auditor's Communication with Those Charged with Governance ". 6. Guest Speakers: Will Peacock & Kathy Kettering, Merlinos & Associates Actuary — Allocations & Rating Methodology (Insurance Industry Associates) Mr. Peacock and Ms. Kettering will report on allocations and rating methodology. PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING June 18, 2010 REGULAR AGENDA SUMMARY 7 Executive Director's Report A. Member Safety Awards — Attachment B. PRM Administrative Activity Report 8. Executive Director Evaluation Ross Furry, Executive Director John Litton, Chairperson The Board of Directors is responsible each year for the annual performance evaluation of the Executive Director. The annual review provides the basis for any merit increase awarded by the Board. The performance appraisal is a two -tier process that includes an evaluation by each member along with a more thorough evaluation by the Executive Committee. The latter is due to their generally having more interaction with the Executive Director and observation in dealing with policy issues for the pool as a whole. The Executive Board approved a 5% salary increase for the Executive Director which was included in the PRM Administrative Budget and approved by the whole Board on March 12. However, the Chairperson did not review Mr. Furry's evaluation due to his announced retirement, which was later rescinded. Board approval is requested to increase the Executive Director's salary by 5 %, retro- active to 4/1/10. Boa id Action: Approved Denied Deferred Other MOST IMPROVED WORKPLACE SAFETY PERFORMANCE Award Must be eligible for both Workplace Safety and Drug Free Workplace Credit programs for coverage period 2009 — 2010 meeting all requirements (PRM LP staff monitors). Review WC injuries and illness with safety committees, utilize PRM loss prevention services and have established a philosophy of safe working practices with all employee groups... Small —1 -100 Employees Lake Placid — 39 employees including Police and had a 100% decrease in frequency and severity. Zero claims. Safety committee meets on a regular basis and Town has established a philosophy of safe work practices and Toss prevention. Medium —101 — 200 Gulfport — 175 employees including Police and Fire. They have had an 88% decrease in frequency and 95% decrease in severity. Only 2 WC claims for last year. Incredible. Large — 200 + Eustis - 284 employees including Police and Fire. 59% decrease in frequency and 80% decrease in severity over analysis period. Safety Committee meets on a regular basis. Management communicates regularly with employees on losses and prevention and City takes advantage of all of PRM Loss Prevention services. PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING June 18, 2010 REGULAR AGENDA SUMMARY 9. Election of Officers John Litton, Chairperson The term of office for Chairperson, Treasurer, and two Representatives will expire 9- 30-10. Elections will be held for the 2 -year term from 10 -1 -10 to 9- 30 -12. Incumbents John Litton, Mike Sheppard, Frank Gilbert and Lester Baird have indicated their willingness to continue serving as Chairperson, Treasurer and Representatives. Nominations will also be taken from the floor. Executive Board: John Litton, Chairperson - October 2008 -2010 Jeff Sutton, Vice Chairperson — October 2009 -2011 Mike Sheppard, Treasurer — October 2008 -2010 Robbie Chartier, Representative — October 2009 -2011 Woody Hubbard, Representative — October 2009 -2011 Frank Gilbert, Representative, October 2009 -2010 Lester Baird, Representative, October 2009 -2010 10/1/10-9/30/12: Chairperson Treasurer S i e ppG; ro/ Representative Representative �, t' S l` P r RC' ) Y 1 BIOGRAPHY JOHN C. LITTON P.O. Box 958445 Lake Mary, FL 32795 -8445 (407) 585 -1419 EDUCATION Bachelor of Arts — Political Science University of Maryland Graduate — Local Government Public Policy Leadership Forum — 1991 MILITARY United States Air Force — honorable discharge EMPLOYMENT HISTORY April 1974 — June 1979 June 1979 — April 1989 Fort Pierce Utilities Authority Director of Employee Relations City of Winter Park Assistant City Manager /Personnel Director April 1989 — Present City of Lake Mary City Manager (last updated 05/10) RECENT RECOGNITION One of two citizens in Seminole County recognized by World Harmony Run International for leadership — 2010 PROFESSIONAL ASSOCIATIONS /ORGANIZATIONS Public Risk Management (current Chairman, Executive Board member) International City Managers Association (ICMA) Florida City /County Managers Association (FCCMA) — various committees JOHN C. LITTON Biography Page 2 PROFESSIONAL ASSOCIATIONS /ORGANIZATIONS (continued) International Personnel Management Association (IPMA) - Certified as H.R. Professional (IPMA -CP) Florida Public Employees Labor Relations Association (FPELRA) Florida Public Personnel Association (FPPA) American Public Power Personnel Committee (former National Chairman) Florida League of Cities Urban Administration Committee Tri- County League of Cities Legislative Committee Florida Institute of Government Steering Committee Florida Municipal Utilities Personnel Committee (former Chairman) Community Improvement Association (CIA) United Way (past member - Board of Directors) (past member - Emergency Shelter Distribution Panel) St. Lucie County Safety Council (former Vice President) Lake Mary Chamber of Commerce (past Board Member) (current member of Governmental Affairs Committee) D= v =dends - Seminole County School District Seminole County American Cancer Society Board of Directors William A. (Mike) Sheppard III Deputy Finance Director October 1988 to Present Mr. Sheppard came to the City of Eustis in October 1988 as the Deputy Finance Director, and has remained in this position to present. Previous employment included Sales Tax Auditor for the City of Fort Collins, Finance Director for RE/MAX International, Accountant for Stern Roger Engineering, as well as Auditor for two CPA Firms in the Denver Metro area. Prior to attending college he spent two years in the Army, from 1972 to 1974. Served as a medic and attained the rank of E -4. In January of 1975 Mr. Sheppard began college and graduated from Metropolitan State College in December of 1977, Magna Cum Laude. He passed the Colorado CPA exam and was award the certification in June of 1979. Other designations held include Certified Government Finance Manger (CGFM) through the Association of Government Accountants, and Certified Government Finance Officer (CGFO), through the Florida Government Finance Officer Association. Mr. Sheppard works with the external Auditors and in combination with the Finance Director and staff's efforts has been able to assist the city in attaining the Award of Excellence in Financial Reporting Achievement from the Government Finance Officer Association for the past 21 years. The bulk of the duties include the annual audit report, day to day operations of the programs within finance (Finance Services, Data Processing, Water Customer Service, Meter Reading, Property and Information Technology). In 1992 the City of Eustis joined PRM's Insurance Pool. He was appointed as the voting member for the city. In 2000 Mr. Sheppard was elected to the executive board of Public Risk Management of Florida (PRM), and has served in this capacity to the present date. Summary of Qualifications Frank M. Gilbert, SPHR PROFESSIONAL EXPERIENCE • Currently Director of Human Resources and Risk Management for the City of Winter Garden. Manage Internal Services including Facilities and Fleet Management and Administrative Services. • Thirty (30) years Human Resources and Risk Management experience in government, insurance industry, steel manufacturing and construction. ACADEMICS /LICENSES • Bachelor of Science degree in Business Administration • Senior Professional in Human Resources (SPHR) Certification • International Personnel Management Association — Certified Professional (IPMA -CP) • Florida insurance license for Life, Health and Variable Annuities • Florida Real Estate Salesperson's License. ACHIEVEMENTS Recipient of 14 national team recognition awards for innovative and progressive human resources programs. Examples of the awards include: • Cafeteria style benefits programs • Self insured health benefits and in -house claims processing • Workers Compensation • Wellness programs • Recruitment and selection tools • Citizens Action Center initiative CURRENT AND PAST COMMUNITY AFFILIATIONS • United Way Executive • United Way Committee Member • Big Brothers /Sisters • United Negro College Fund Executive • Muscular Dystrophy Association • American Heart Association • Goodwill Industries Advisory Committee • Vocational School Curriculum Advisory Committee • Opportunity Council Board Member • Crisis Line Volunteer • Habitat for Humanity Volunteer Lester B. Baird, Sr. Home: 4027 E. Palomar Circle LaBelle, FL 33935 Phone: 863 - 675 -0735 Cell: 863 - 234 -8592 Email: lesterbb- 2000u y ahoo.com Office: P.O. Box 1606 3293 Dellwood Terrace LaBelle, FL 33975 Phone: 863 - 675 -0346 Cell: 863 - 673 -2008 Email: BWCD1@aol.com EDUCATION Master of Public Administration, Florida Atlantic University, Boca Raton, FL 1996 Bachelor of Science in Business Administration, Edison State College, Trenton, NJ, 1993 Associate of Arts, Meramec Community College, St. Louis, MO, 1979 PROFESSIONAL EXPERIENCE General Manager, Barron Water Control District and Port LaBelle Community Development District, 2007 to present. County Administrator, Hendry County, FL (pop. 39,000), 1996 to 2007 City Manager, City of South Bay, FL (pop. 4,000), 1990 to 1996 City Manager, City of Belle Glade, FL (pop. 17,000), 1989 to 1990 Director of Community Services, City of Belle Glade, FL Town Manager, Town of Ocean Ridge, FL (pop. 1,500), 1984 to 1989 City Administrator, City of Eureka, MO (pop. 4,000), 1975 to 1984 PERSONAL AND CIVIC Executive Committee Board Member Public Risk Management (2009 -2010) Board Member Florida Association of Special Districts Vice - Chairman Public Risk Management of Florida (Self Ins. Pool) -1997 to 2007 Member Florida Association of Special District (FASD) 2007 to present FASD By -Laws Committee Member FASD Membership Committee Member ICMA Credentialed Manager, since 2003 International City /County Managers Association (ICMA) Florida City/County Managers Association - Honorary Member Past President Palm Beach County City Managers Association Named 1976 "Outstanding Young Civic Leader" by Missouri Jaycees Former insurance agent in MO (all lines) Former licensed real estate salesman and broker in MO Former Board Member Palm Beach County Municipal League Former Board Member St. Louis County Municipal League Past President, Eureka Jaycees (2 years) Past President, Belle Glade Lions' Club Current Member of LaBelle Rotary Club Past President American Heart Association — Glades Chapter (2 years) PUBLIC RISK MANAGEMENT OF FLORIDA BOARD OF DIRECTORS MEETING June 18, 2010 10. Legal Counsel REGULAR AGENDA SUMMARY Donovan Roper, Roper & Roper, P.A. A. Legislative Updates - Attachment 11. Board Member Items John Litton, Chairperson Public Comment: State full name and address. Discussion must be limited to a maximum of five (5) minutes per person. Adjournment 2010 Legislative Update 1. CS /SB 2060: Sovereign Immunity Cap Increase Perhaps most pressing is a pending bill that would increase the current sovereign immunity cap that is part of Fla. Stat. 768.28. The sovereign immunity increase bill is CS /SB 2060 (the House version, CS /CS /HB 1107 was laid on the table on April 19, 2010 in deference to CS /SB 2060, which is identical). The bill would increase the sovereign immunity cap from $100,000/$200,0000 (per individual /incident) to $200,000/$300,000. It should be noted that previous versions of the bill proposed higher increases, but the final version settled on the $200,000/$300,000 schema. A copy of the bill can be found at: http: / /www.myfloridahouse.gov /Sections / Bills /billsdetail.aspx ?BillId = 43763 &Sessionld =64 SB 2060 has passed the House and Senate and was presented for signing to Governor Crist on April 21, 2010 with a signing deadline of April 28, 2010. On the evening of April 27, 2010, Governor Crist signed the bill into law. This change will be effective Oct 1, 2011. See also, http: / /www.lobbytools.com /pub /bills.cfm ?a =bill &bid =29130 2. Pending SB 1474/HB 791: Making ER Doctors "State Actors" for Sovereign Immunity Purposes The proposed increase in the sovereign immunity cap was part of a compromise with legislators who are pushing to classify ER physicians as state actors to allow them to take advantage of the sovereign immunity cap on liability damages. The bill would essentially make ER doctors "state actors" subject to sovereign immunity to lower their malpractice rates. ER doctors pushed for this as their malpractice insurance rates are very high and they have to treat everyone who comes through the door. This bill is essentially being "horse traded" for the increase in the sovereign immunity cap. Here is a good article explaining how ER doctors will come under the aegis of sovereign immunity: http: / /www.bizj ournals.com /orlando/ stories / 2010/03/22 /story 1.html ?b= 1269230400 %5e3049061 &s= industry& i =he alth care Here are links to the ER doctors sovereign immunity bill, SB 1474/HB 791, which is not as far along as the sovereign immunity cap increase. The Senate version is in committee and awaiting a vote: http: / /www.flsenate.gov /session /index.cfm ?BI Mode= ViewBilllnfo& Mode = Bills &ElementlD= JumpToBox &SubM enu =1 &Year = 2010 &billnum =1474 Here is the exact text of the Senate bill: http: / /www.flsenate.gov /data /session /2010 /S enate/b ills /billtext /pdf /s 1474.pd f The House version is the same. Its first reading was set for March 2, 2010, but nothing appears thereafter on its schedule. At this time, this legislation is stalled for now as the session ended, but is likely to be taken back up next session. We will continue to monitor this issue closely. 3. SB 2240: Allowing Parents to Sign Waivers on behalf of Children Involved in Risky Activities There is another bill of interest that went to Governor Crist the same day as the sovereign immunity cap bill (April 21, 2010) that would allow parents to sign enforceable waivers for children engaged in risky activities (SB 2440). This bill, like the sovereign immunity cap increase, was signed by Governor Crist on April 27, 2010. http: // flsenate .gov /session/index.cfm ?BI Mode= ViewBilllnfo &Mode = Bills &ElementlD =JumpT oBox &SubMenu =1 &Year = 2010 &billnum =2440 Here is the text of the bill: http:/ /flsenate.gov /data/session/2010/ Senate /bills /billtext/pdf /s2440er.pdf SB 2240 is a direct reaction to the recent Florida Supreme Court case of Kirton v. Fields, 2008 WL 5170603 (Fla. 2008), wherein the Court threw out a waiver signed by the father of a child killed in an ATV accident at a motor sports park. The bill seeks to clarify this Florida Supreme Court ruling relating to a parent's ability to sign waivers for their children to participate in certain recreational activities. It provides more clarity for the use of waivers and should generate more predictability in those types of cases. The tourism industry strongly supported this bill, and its passage has positive implications for the industry. 4. HB 689: Changes to Premises Liability Standard in the Context of Transitory Foreign Substances On April 14, 2010, Governor Crist signed into law HB 689, which heightened the burden of proof for claimants seeks damages for premises liability cases involving transitory foreign substances. Previously, Fla. Stat. 768.0710 (3) read: (2) In any civil action for negligence involving loss, injury, or damage to a business invitee as a result of a transitory foreign object or substance on business premises, the claimant shall have the burden of proving that: (a) The person or entity in possession or control of the business premises ovahadyato the claimant; (b) The person or entity in possession or control of the business premises acted negligently by failing to exercise reasonable care in the maintenance, inspection, repair, warning, or mode of operation of the business premises. Actual or constructive notice of the transitory foreign object or substance is not a required element of proof to this claim. However, evidence of notice or lack of notice offered by any party may be considered together with all of the evidence; and (c) The failure to exercise reasonable care was a legal cause of the loss, injury, or damage. Under this version of the statute, plaintiffs did not have to show actual or constructive notice of the transitory foreign substance. HB 689 shifts this burden back to the plaintiff. Plaintiffs will now have to prove that the property owner had some sort of notice or knowledge of the transitory foreign substance and did not remedy it. This adds an extra element of proof to plaintiff's burdens, and should weigh in our favor. This will be effective July 1, 2010. You can view the text of this bill and get more information on its passage here: http: / /www.myfloridahouse.gov /Sections /Bills/billsdetail. aspx ?BillId =43115 &Sessionld =64 5. HB 325: Red Light Cameras: S541-1)41 LIP° HB 325, which seeks to approve red light cameras in Florida, is on its way to the Governor. 7/ / The House passed the bill April 23, 2010 and the Senate voted for approval on April 27, 2010. The bill would allow the cameras and violators would be fined $158, with local and state government dividing the the proceeds (the split depends on who issues the ticket). A motorist would be issued a civil infraction rather than a traffic violation and no points would be tacked onto their drivers license. http: / /www.myfloridahouse.gov/ Sections /Bills/billsdetail.aspx ?Bi1lId =42624 Here is the text of HB 325: http: / /www.flsenate.gov/ data / session / 2010/ House / bills /billtext/pdf/h032504e2.pdf (this version does not include one minor amendment made April 27, 2010, in the Senate) The Bill was sent to Governor Crist on April 30, 2010, and he has until May 15, 2010 to sign. If signed, the law would be effective July 1, 2010. Here is an article on point: http:/ /www. sun- sentinel.com/news /florida/fl- red - light- cameras - house- vote- 20100423,0,5736221. story 6. SB 2044: Property Insurance Changes A property- insurance bill passed on the last day of session, though Crist may yet veto SB 2044. This Bill allows companies to raise rates up to 10% a year to recoup higher re- insurance costs or account for inflation. The lengthy bill also shortens hurricane -claim deadlines and increases public- adjuster regulation with industry- sought anti -fraud regulations. http: // www. flsenate. gov / data / session /2010/ Senate /bills/billtext/pdf/s2044e l .pdf As stated, it is expected that Governor Crist will veto this bill soon. He has until May 15, 2010 to make his decision. 7. Education - Several New Laws and Proposed November Ballot Amendments As most know, the best known Florida education bill, Senate Bill 6, which attempted to link teacher pay to student test performance, was noisily vetoed by Governor Crist. Two other interesting education bills were signed by the Governor, though with much less debate: - Senate Bill 4 toughens high - school graduation standards and begins to move the state away from the much maligned Florida Comprehensive Assessment Test, or FCAT. http: / /www. flsenate.gov/ data / session / 2010/ Senate /bills/billtext/pdf /s0004er.pdf The new high - school graduation requirement include required end -of- course exams in geometry, albegra II, biology, chemistry and physics beginning in 2014 -15. - Senate Bill 2126 expands a program allowing companies to get corporate tax credits by contributing to private school scholarship funds. Additionally, the November Ballot will include a measure aimed at easing the class size amendment, added to Florida's Constitution in 2002 (the legislation behind this measure is Senate Bill 2 /SJR 2, version ER, which can be found at: http: / /www. fl senate . gov/ data / session / 2010/ Senate / bills /billtext/pdf /s0002er.pdf). The proposed bill changes the number of students currently described as the "maximum allowed" in each class to the average amount of children allowed in each class (i.e., the max. currently allowed in grades K- 3 is currently 18. The new law would make this a state average and cap this grade level at 22 children per class). It will need a 60% approval vote to pass. 8. Florida's 2010 -2011 Budget Highlights: The 2010 -2011 State budget reflects the economic realities Floridians are facing daily and was focused on balancing measures promoting economic growth and recovery and the state' s current fiscal constraints. Here are the major points: Education $14 billion for PreK -12 state education spending, which is a 4.3 8% increase ($111 million) over last year. The total budget for higher education is $7 billion, including state funds and tuition. This is an increase of $314 million or 4.7% over the current year. $437 million for the Bright Futures college scholarship program. This is an increase of $13 Million from last year. HealthCare Increased Medicaid, Medically Needy, MEDS AD, and Kidcare program funding. Fully funded community based services for elders, such as Homecare for the Elderly, Alzheimer's Disease Projects, and Community Care for the Elderly. Criminal and Civil Justice $5.1 billion for Criminal and Civil Justice to prevent the early release of prisoners, protect constitutional due process, and ensure public safety needs are met General Government $15 million for Florida Forever. $50 million for Everglades Restoration. $15.5 million for Beach Restoration. Transportation and Economic Development Protects Florida Highway Patrol Officers to prevent the elimination of officers $21 million to fully fund State Aid to Libraries $37.5 million for the First Time Homebuyer Program $7 billion for the Department of Transportation Work- Program 9. Also Discussed /Approved this Session (though small government impact is less than those above): - Approved SB 622: Expanded Seminole Indian Casinos were approved for seven reservation locations. Under the $1.2 billion, 5 -year deal, the Tribe will pay the state for exclusive privileges to certain games (high stakes card games and slots, for example). Those funds are being used to close the expected state budget shortfall. - Approved HB 7033: This Bill extends unemployment benefits and reduces the tax on employers. It is expected to help create up to 14,000 jobs each year for the next two years and spur the growth of small businesses. - Discussed /Rejected: Texting while Driving: The Senate approved a bill banning texting while driving, but the House killed it, and is instead seeking a more comprehensive bill that addresses texting and other driving distractions. This will continue to be a hot issue and an area of expected reform in the future. - Not Discussed: Offshore Drilling: Senate President Jeff Atwater (R -Dist. 25) refused to allow discussion on new offshore drilling bills this session. In light of the recent Gulf oil spill, politicians, including President Obama, who previously announced support for Gulf drilling, are backing away from similar measures. - Discussed/Placed on Fall 2010 Ballot as Voter Initiatives: In addition to the aforementioned class size amendment ballot initiative, there will also be voter initiatives on how local legislative and Congressional districts are drawn (HJR 7231) and a measure to prevent Floridians from having to purchase personal health insurance as required by President Obama's new healthcare reform package (SJR 72). Donovan A. Roper, Esquire Teresa S. Roper, Esquire Andrew I. Dayes, Esquire Heather A. Macre, Esquire ** Sophia E. Langley, Esquire* * Of Counsel ** Licensed in FL and AZ Cynthia. A. Todd, Paralegal Anne Hughes, Paralegal ROPER & ROPER, P.A. ATTORNEYS AT LAW 116 N. Park Avenue Apopka, Florida 32703 June 8, 2010 Mr. Ross Furry PRM 3434 Hancock Bridge Parkway, Suite 203 N. Ft. Myers, FL 33903 Dear Ross: Telephone: (407) 884 -9944 Facsimile: (407) 884 -4343 E -Mail: email @roperandroper.com Web: www.roperandroper.com Satellite Offices in Palatka, Florida Safety Harbor, Florida Per your request, we have looked into the issue of whether or not PRM will need to change its bylaws in order to comply with a new statute regarding the amount of notice that an insurance pool member needs to give when leaving the pool. Based on our research, it appears that PRM will have to amend its bylaws by January 1, 2011 to avoid being in violation of the statute, but only with regard to a certain class of members. On June 1, 2010, Governor Charlie Crist signed into law CS /CS /SB 2176, an omnibus bill. The bill itself can be found at the Florida House of Representative website, but please note that this is a true omnibus bill, so few of the 65 pages actually address our issue. The text that applies to PRM is on page 13 of the bill, which can be viewed in its entirety at: http: / /www.myfloridahouse.gov/ Sections /Documents /loaddoc.aspx ?FileName= _s2176er. DOCX &DocumentType = Bill &BillNumber =2176 &Session =2010 This bill creates a new statute, Fla. Stat. 624.46223 (effective Jan. 1, 2011), which will read (emphasis added): An association, fund, or pool authorized under Florida law and created for the purpose of forming or managing a risk management mechanism or providing self - insurance for a public entity in this state may not require its members, as a prerequisite Mr. Ross Furry PRM June 8, 2010 Page 2 for withdrawing from the association, fund, or pool, to give more than 60 days' notice of the member's intention to withdraw from the association, fund, or pool. Essentially, this statute will restrict public entity risk pools from asking their members to give more than 60 days notice of intent to withdraw from the pool. In other words, notice of intent to withdraw can be required, but only for a period of up to 60 days prior to the withdrawal. PRM's bylaw on point, Article 4.2 reads: 4.2. Notice of Withdrawal: So long as the Pool shall continue in existence, any current or new Preferred Member joining the Pool shall remain a Member for an initial two -year term, except a new Member coming into the Pool after the first day of the policy year shall be obligated to be a member for not less than eighteen (18) months. A new Preferred Member's rates will be guaranteed for their initial term. Any Preferred Member may withdraw from the Pool at the end of the policy year upon serving on the Pool by mail, fax or hand delivery at least one year's prior written notice. Any Standard Member may withdraw from the Pool at the end of the policy year upon serving on the Pool by mail, fax or hand delivery at least forty-five (45) days prior written notice. Such notice shall be addressed to the Executive Director of the Pool and shall be accompanied by a resolution of the governing body of the Member electing to withdraw from the Pool. This bylaw requests a one year notice from "Preferred Members." This will need to be amended to 60 days or fewer. The rest of the bylaw can remain the same for "Standard Members," as they only need to give 45 days notice. This portion of the bylaws does not violate the new statute and will not need to be amended. With this simple amendment to Article 4.2 as it applies to "Preferred Members" limiting its notice requirement to 60 days or fewer, PRM will be in compliance with the new statute. Mr. Ross Furry PRM June 8, 2010 Page 3 I hope that I have addressed all of your concerns and questions on this issue, but if you have any further requests or concerns, please do not hesitate to contact me. Thank you for your kind attention and professional consideration. I remain DARIHM:ddc Q C z W 0 El Q 0 Z W w el Thursday - 6/17/2010 (Continued) Wednesday - 6/16/2010 BREAKOUT SESSIONS — Ballroom D ADULT RECEPTION 7:OOpm- 11:OOpm Health Care Reform 10:30am- 11:15am (Retro Shirt Night) — Ballrooms A -D Paul Hebert — GBS Healthcare Analytics 11:15am- 12:00pm Thursday - 6/17/2010 Michael Miele - GBS Z v Z 12:OOpm- 1 :OOpm CD C 0.) c C 0 u c o to H a) cc 8:OOam- 9:OOam Analysis of a Fully 1:00pm- 1:45pm Breakfast — Ballroom Foyer Insured Renewal Welcome — Ballrooms A, B & C 9:OOam- 9:15am Richard Schell - GBS Ross Furry & Michele Jones BREAK — "Ice Cream Social' 1:45pm- 2:00pm KEYNOTE SPEAKER 9:15am- 10:15am Mental Health Parity & 2:OOpm- 2:30pm What If & Why Not? Addiction Equity Act Mike Rayburn Paul Hebert 10:15am- 10:30am Next Generation Enrollment & 2:30pm- 3:00pm Eligibility Mgmt Services MAIN SESSIONS — Ballrooms A,B &C Bradley Taylor - NGE Communicating In A Crisis 10:30am- 11:15am Advantages of PRM 3:OOpm- 3:15pm Richard Schell- GBS DINNER & ENTERTAINMENT 6:30pm- 12:OOam To o 0 a) 2 d t. I- RS I RI J L. LL I P- m E a`) a) 'r L U d t^ E- T oa to 'mac: V V u C0 M i a i Y 11:15am- 12:OOpm 12:OOpm- 1:OOpm Ballrooms A - D Social Networking 1:OOpm- 1:45pm Gail Lamarche — Henderson, Franklin, Starnes Friday - 6/18/2010 BREAK — "Ice Cream Social" 1:45pm- 2:OOpm Risk Management Cost 2:OOpm- 2:45pm Breakfast Buffet — Ballroom C 8:OOam- 9:OOam Allocation Within Your Entity PRM BOARD MTG — Ballrooms A &B 9:OOam- 11:OOam Jane O'Connor — TJP Solutions L. a) a 0 re to tV 0. O cc O ▪ 1 fa i -a a) a n o d CC > c .; to M > C•t J • O 0 2:45pm- 3:15pm You are now completing a reservation at Hilton Hotels Reservation Confirmation Thank you Sharon Allison for booking your reservation online at www.hilton.com. We look forward to seeing you at our hotel. Create an Account for faster reservations, plus news and offers via email. Learn more Stay Information Confirmation Number: 3383059132 Check-in: Wed 16 Jun 2010 Check-out: Sun 20 Jun 2010 Rooms: 1 Guests per Room: 2 Adults Room Type Preferences: Non-Smoking; Two beds Your preferences have been submitted with your reservation and are subject to hotel availability. Want Extra Pillows, Towels, Drinks or Snacks waiting in your room? '" - Hotel Information Hilton Marco Island Beach Resort and Spa 560 South Collier Boulevard �� ~~`~~^~~^~ �] Aooznnnn`vtm: /mnspnnruon ~� Marco Island, Florida 34145 /»ra/ maps Add to Favorite *cce|s 1'239-394'5000 Room & Rate Information Room Description: Room Type: Rate Type: Rate per Night: 2DBL]R SUITE GARDEN VIEW Non-Smoking Room Confirmed PUBLIC RISK MNGMT 129.00 USD Total for Stay per Room: Rate (USD) 510.00 Taxes 51.60 Total 567.60 Total for Stay: Includes tax and servic charges described567.60 USD below. Tax & Service Charges https://secure.hilton.com/en/hi/res/confirmation.jhtmljsessionid=L2E5EPGWOF3SMCSGBJBNMQQ? req... 3/30/2010 Hilton order has been Your ����� xx�� ����� submitted Thank you Sharon! Your order is summarized below: Order Summary Description Cuoune,3vpport `oa��/ooma Confirmation #: 3383059132 Check-in: Wednesday, 16-Jun-2010 Check-out: Sunday, 20-Jun-2010 Estimated Arrival Time: 4:00 PM Quantity Price Per Item (;5D) Additional Down Filled FiUmw(King bedded 2 Complimentary rooms currently include 5 per bed and Double bedded rooms currently include 4 per bed) Additional Foam PiIlow Additional Towels 2 Complimentary 2 Complimentary All Food & Beverage orders subject to 20% gratuity, 6% sales tax, and $2,00 delivery charge. Change Order Cancel Order �wo HUto/ Reno/ 5605. Marc( 3414 Te|:1 hox:1 Shan Sign- -terms and Conditions: * Amin`mum purchase of2O,OOUSD isrequired un|e consists of complimentary items only, » Selections must be made at least 24 hours prior to * Order changes or cancellations can be 'nade by retu you received confirming your upcoming stay and sel Requests Upon Arrival link that directed you to this cancellations must be made prior to 24 hours befor€ arr<vai p Due to local liquor laws, you may be required to pro prior to service of alcoholic beverages purchased th/ Subject to Availability. Public Risk Management Public Risk Management of Florida 18th Annual Educational Conference Wednesday, June 16, 2010 5:00 PM Friday, June 18, 2010 11:00 AM (Eastern Time) Hilton Marco Island Beach Resort 560 South Collier Boulevard Marco Island, Florida 34145 -5503 United States 239.394.5000 Sonia Lynn Fatheree Vice President of Account Services World Risk Management,LLC Sonia_Fatheree@wrmlIc.com T: 407.445.2414 As a Preffered Member of Public Risk Management of Florida your registration fee has been waived. We look forward to seeing you in June. The staff of World Risk Management & Public Risk Management of Florida PRM 19th Annual Educational Retreat Registration Personal Information Registration ID: 24641575 Registrant: Mrs. Sharon Allison Account Clerk / PRM City of Okeechobee 55 SE 3rd Avenue Okeechobee, FL 34974 United States Registration Date: 5/6/2010 1:07 PM Type: P &C Preferred Member Board & Alternate Status: Confirmed Work Phone: 863 - 763 -3372 x 221 CeII Phone: 863 - 634 -4078 Fax: 863 - 763 -1686 Email: sallison @cityofokeechobee.com Name as it would appear on the badge: Sharon Allison 11 11 11 11 111 11 Hotel Registration Confirmation Number: 3383059132 Agenda Registration I Meet & Greet Wednesday, June 16, 2010 5:00 PM - 7:00 PM (Eastern Time) Location: Heron & Foyer Adult Reception Wednesday, June 16, 2010 7:00 PM - 11:00 PM (Eastern Time) https: / /www. regonl ine.com/ register /confirmation. aspx ?Eventld =8 3 9948 &Attendeeld =pm 15 3 grUoB BkmN 0... 5/6/2010 Location: Ballroom A B C Registration - Continenetal Breakfast Thursday, June 17, 2010 8:00 AM - 9:00 AM (Eastern Time) Location: Foyer Bali Room A B C Welcome Thursday, June 17, 2010 9:00 AM - 9:15 AM (Eastern Time) Location: Ballroom A B C Keynote Speaker - Mike Rayborn Thursday, June 17, 2010 9:15 AM - 10:15 AM (Eastern Time) Location: Ballroom A B C Session 1 - Richard Sheppard Thursday, June 17, 2010 10:30 AM - 11:15 AM (Eastern Time) Location: Ballroom A B C Session 3 - Gail Lamarche Thursday, June 17, 2010 1:00 PM - 1:45 PM (Eastern Time) Location: Ballroom A B C Session 2 - Kay Carpenter Thursday, June 17, 2010 11:15 AM - 12:00 PM (Eastern Time) Location: Ballroom A B C Lunch at the Sandcastle Thursday, June 17, 2010 12:00 PM - 1:00 PM (Eastern Time) Location: Sandcastle Dining Room Session 4 - Jane O'Connor Thursday, June 17, 2010 2:00 PM - 2:45 PM (Eastern Time) Location: Ballroom A B C Session 5 - Donovan Roper Thursday, June 17, 2010 2:45 PM - 3:15 PM (Eastern Time) Location: Ballroom A B C Dinner & Entertainment Thursday, June 17, 2010 6:30 PM - 11:45 PM (Eastern Time) Location: Ballroom A B C Breakfast Buffet Friday, June 18, 2010 8:30 AM - 9:00 AM (Eastern Time) Location: Foyer Ballroom A B C PRM Board Meeting Friday, June 18, 2010 9:00 AM - 11:00 AM (Eastern Time) Location: Ballroom A B Fee Summa rY Fee Quantity Unit Price Amount Guest Event Fee 1 $50.00 $50.00 Preferred Member Event Fee 1 $0.00 $0.00 Subtotal: $50.00 Total: $50.00 https: / /www.regonl ine. com/ register /confirmation. aspx ?Eventld =8 3 9948 & Attendee l d =pm 15 3 grUoB B kmN 0... 5/6/2010 Public Risk Management of Florida 18th Annual Educational onference Thank you for registering. You are confirmed for Public Risk Management of Florida 18th Annual Educational Conference. Review your registration record or make any changes. Registration ID: 24641697 Name: Thomas Allison 6/16/2010 5:00 PM EDT - 6/18/2010 11:00 AM EDT For a map and directions to the event, click here. Contact Information Sonia Lynn Fatheree Vice President of Account Services World Risk Management,LLC Sonia Fathereeewrmllc.com 1' We look forward to seeing you at the event. Pubflc Risk an When: 6/16/2010 5.00 PM EDT - 6/18/2010 11:00 AM EDT -- Add to My Calendar Where: Hilton Marco Island Beach Resort 239.394.5000 560 South Collier Boulevard Marco Island, Florida 34145 -5503 Click here Thank you for registering. You are confirmed for Public Risk Management of Florida 18th Annual Educational Conference. Review your registration record or make any changes. Registration ID: 24641575 Name: Sharon Allison 6/16/2010 5.00 PM EDT - 6/18/2010 11 00 AM EDT For a map and directions to the event, click here Contact Information Sonia Lynn Fatheree Vice President of Account Services World Risk Management,LLC Sonia Fathereeawrmllccorn T: 407.445.2414 We look forward to seeing you at the event. Click here Public Risk Management When: 6/16/2010 5:00 PM EDT - 6/18/2010 11:00 AM EDT ii-•Add to My Calendar Where: Hilton Marco Island Beach Resort 239.394.5000 560 South Collier Boulevard Marco Island, Florida 34145 -5503 Transaction Summa ry Transaction Type Date Amount Balance Transaction Amount PayPal Payment Details Current Balance: 5/6/2010 5/6/2010 $50.00 ($50.00) $50.00 $0.00 $0.00 Payment Information Payment Method: PayPal Refund Information Cancellation Policy: You have the ability to modify /cancel your registration online or you can contact Sonia Fatheree, prior to Friday, May 14th. No Refunds will be made after this day, Friday May 14th. Substitutions may be made until Monday, June 7th. Additional Group Members - 1 Mr. Thomas Allison World Risk Management, LLC 141 Terra Mango Loop, Suite A Orlando, FL 32835 T: 407.445.2414 re J r!., < .ctiireNETWORK https: / /www.regonline.com/ register /confirmation.aspx ?EventId =83 9948 &Attendeeld =pm 153 grUoB BkmNO... 5/6/2010 f/t/LetAaL. c/tAicdc..44 U 111)4 Cc - — ... rTheilfr(J skti L(,/( cuiL - E 1 tri-t.7,) irv) 91/7") v1 z v.?1-1-) 727-47k- Cy, 7'xi 1117 73e Q0-e To Juzfd -72 L.....91j) 1) o 000 360,000 cAL Jpolcith 0c) U--nfyiyl(L,1 olc/kio7).4 4,k) .A,07/ )7Jz &-77? 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