Okaloosa County BOCC — August 5, 2014 — RFP #44-14 - Dental Insurance - MetLife Proposal - Exhibit A — reading text

CERTIFICATION With respect to ‘Drug-Free Workplace Certification’ (page 20) we can agree to the provision with the following edits: INSURANCE REQUIREMENTS Contractor’s Insurance A. The CONTRACTOR shall not commence any work in connection with this Agreement until he has obtained all required insurance and such insurance has been approved by the Okaloosa County Risk Management Director. B. All insurance policies shall be with insurers licensed to do business in the State of Florida, and any insuring company is required to have a minimum rating of A, Class XVII in the Best Key Rating Guide published A. M. Best & Co., Inc. Aut by ix vat thy Hat? + of oll titi Ht —it eth Cc. allinely Pe gents; Ht. t. At val F f 5 eb Hoth int by SSFKt- a pley- As. af HBhy eee ntewikret (anes Additional! eos eH iy = r va J this. si hall—b. i j If the Additional Insured _have—other this—petiey P ¥ TH ti i +! ii 1H bleto_the— h_ othor—is hall be cH +t at PP c S' basi: The t—of-the- “s liability —under—this_peli hall-net_b: er d—bythi ; # pany Petey y existent f-such-otherinsurant -_ Please note that it is not the practice of MetLife to name customers as additional insureds. Given the scope of work/product of this proposal, there is a very low degree. if any. of risks to the general or automotive liability insurance. However, should we. at any time, physically be on customer's premises for an event (e.g., a benefits fair) or any other event that would entail driving any County of Okaloosa individuals. we would then provide a certificate of insurance with this condition for the period of time of the event.. Adediti. a <j—b Hi, D. The—Gounty—0f Okaloesa—shall_be—_isted pH Vierkers'-Cempensation_gad—Profecsisnal_Lisbility Please see comme above. E. The County of Okaloosa shall be furnished proof of coverage by certificates of insurance (COl)—and—endesemenis-for every applicable insurance contract required by this Agreement. The COl’s and—peticy—endersements-must be delivered to the County Representative not less than ten (10) days prior to the commencement of any and all contractual agreements between the County of Okaloosa and the CONTRACTOR. F. The County shall retain the right to reject all insurance contracts that do not meet the requirement of this Agreement. Further, the County reserves the right to reasonably change these insurance requirements with 60-day notice to the CONTRACTOR. G. The insurance definition of Insured or Additional Insured shall include Subcentracter_Sub-subcentracter_and—any associated or subsidiary companies of the CONTRACTOR, which are involved, and which is a part of the contract. + the ertified i £ j licies ted. P of Pp ge i iat -_ Please note that it is not the practice of MetLife to release copies of our proprietary insurance policies. Rather, certificates of insurance are furnished to evidence the agreed-upon insurance. Once we have won the bid and upon written request with full client_particulars (name. address. account_number_etc.). customer-specific_certificates can be furnished. The designation of CONTRACTOR shall include any associated or subsidiary company which is involved and is a part of the contract and such, if any associated or subsidiary company involved in the project must be named in the Workers’ Compensation coverage All policies shall be written so that the County will be notified of cancellation-cr restrictive-amendments-at least thirty (30) days prior to the effective date of such Representative. Please note that In the ACORD forms in use for the state of New York (which apply to MetLife) advanced written notification is prescribed only for cancellation. These forms cannot be modified by cancellation or amendment. Such notice shall be given directly to the County MetLife. Workers’ Compensation Insurance 1: The CONTRACTOR shall secure and maintain during the life of this agreement Workers’ Compensation insurance for all of his employees employed for the project or any site connected with the work, including supervision, administration or management, of this project and in case work is sublet, with the approval of the County of Okaloosa, fh similarly to provide Workers’ Compensation insurance for all employees employed at the site of the project, and such evidence of insurance shall be furnished the County of Okaloosa not less than ten (10) days prior to the commencement of any and which have been approved by the County of Okaloosa._ [SHANEA: MY UNIT, RISK MANAGEMENT, DOES NOT DEAL WITH SUBCONTRACTORS SO_| CANNOT REVIEW OR COMMENT UPON ANY OF THE YELLOWED SUBCONTRACTOR PROVISIONS HERE AND BELOW. Such insurance shall comply with the Florida Workers’ Compensation Law. No class of employee, including the CONTRACTOR himself, shall be excluded from the Workers’ Compensation insurance coverage. The Workers’ Compensation insurance shall also include Employer's Liability coverage. Business Automobile and Commercial_General Liability Insurance ab The CONTRACTOR shall maintain Business Automobile Liability insurance coverage throughout the life of this Agreement. The insurance shall include Owned, Non- owned & Hired Motor Vehicle coverage. The CONTRACTOR shall carry other Commercial General Liability insurance against all other Bodily Injury, Property Damage and Personal and Advertising Injury exposures. The coverage shall include both On-and Off-Premises Operations, Contractual Liability, Board Form Property Damage -aad—Prefessienal All liability insurance (other than Professional Liability) shall be written on an occurrence basis and shall not be written on a claim-made basis. ie seaelbdeleiines If, as the result of any claims or other reasons, the available limits of insurance reduce to less than those stated in the Limits of Liability, the CONTRACTOR shall notify the County representative in writing. The CONTRACTOR shall purchase additional liability insurance to maintain the requirements established in this Agreement. Umbrella or Excess Liability insurance can be purchased to meet the Limits of Liability specified in this Agreement. Commercial General Liability coverage shall be endorsed to include the following: (Formatted: Highlight { Formatted: Highlight 1 Premises — Operation Liability 2.) Occurrence Bodily Injury and Property Damage Liability 3.) Independent Contractor's Liability 4) Completed Operations and Products Liability 5. CONTRACTOR shall agree to keep in continuous force Commercial General Liability coverage including Completed Operations and Products Liability for two (2) years beyond acceptance of project. Limits of Liability The insurance required shall be written for not less than the following, or greater if required by law and_ shall include Employer's liability with limits as prescribed in this contract: LIMIT A. Worker's Compensation 1.) State Statutory 2) Employer's Liability $1,000,000 each accident B. Business Automobile & Commercial $1,000,000 each occurence General Liability Insurance (A combined single limit) Cc. Personal and Advertising Injury $250,000 Notice of Claims or Litigation The CONTRACTOR agrees to report any incident or claim that results from performance of this Agreement. The County representative shall receive written notice in the form of a detailed written report describing the incident or claim within ten (10) days of the CONTRACTOR's knowledge. In the event such incident or claim involves injury and/or property damage to a third party, verbal notification to the following person/phone number shall be given the same day the CONTRACTOR becomes aware of the incident or claim followed by a written detailed report within ten (10) days of verbal notification. | Indemnification & Hold Harmless [THIS NEEDS TO BE REVIEWED BY THE LAW DEPT; NOT RISK MANA T To the fullest extent permitted by law, CONTRACTOR shall indemnify and hold harmless COUNT), its officers and employees from liabilities, damages, losses, and costs including but not limited to reasonable attorney fees, to the extent caused by the negligence, recklessness, or intentional wrongful conduct of the CONTRACTOR and other persons employed or utilized by the CONTRACTOR in the performance of this contract. Certificate of Insurance | oA Certificates of insurance, in duplicate, indicating the_job-site-and-_evidencing all required coverage must be submitted to and approved by Okaloosa County prior to the commencement of any of the work. The certificate holder(s) shall be as follows: Okaloosa County 602-C North Pearl Street Crestview, Florida 32536 All policies shall expressly require 30 days written notice to Okaloosa County at the address set out above, ofr the cancellations of-materia!alteratiens-of such policies, and the Certificates of Insurance, shall so provide._Please note that in the ACORD forms in use for the state of New York (which apply to MetLife) advanced written notification is prescribed only for cancellation. These forms canni modifi MetLife. C. All certificates shall be subject to Okaloosa County's approval of adequacy of protection and the satisfactory character of the Insurer. appr ject-all deductible/SIR- above $40,000. Please note that MetLife does not release information on deductibles on its proprietary insurance programs. D. The-Certificat £§_Insur: shall—disel d—all_deductib! Ej dé retentions-(SiRs}—County requests that all deductibles or SIRs be no greater than $10,000. However, CONTRACTORS having insurance with higher deductibles may submit a bid without penalty reflecting the pricing for their deductible provided that CONTRACTOR also submits a brief company financial statement._[SHANEA ~ OUR DEDUCTIBLES ARE GREATER THAN $10,000 SO YOU CAN SAY THE FOLLOWING IF YOU WISH: “MetLife’s deductibles/SIRs are generally greater than $10,000. MetLife is one of the leading global insurance and employee benefits companies in the world. Given its financial strength, on an enterprise level, and consistent with many other large companies, it does not ordinarily maintain relatively low levels of deductibles. Please visit our website www.metlife.com and click over to our “Investor Relations” section to review our financial results and assigned financial strength ratings.” E. All deductibles or SIRs, whether approved by Okaloosa County or not, shall be the CONTRACTOR’s full responsibility. In particular, the CONTRACTOR shall afford full coverage as specified herein to entities listed as Additional Insured. F. In no way will the entities listed as Additional Insured be responsible for, pay for, be damaged by, or limited to coverage required by this schedule due to the existence of a deductible or SIR. Specific written approval from Okaloosa County will only be provided upon demonstration that the CONTRACTOR has the financial capability and funds necessary to cover the responsibilities incurred as a result of the deductible or SIR. General Terms Any type of insurance or increase of limits of liability not described above which the CONTRACTOR required for its own protection or on account of statute shall be its own tesponsibility and at its own expense. The carrying of the insurance described shall in no way be interpreted as relieving the CONTRACTOR of any responsibility under this contract. Should: condi subcont The CONTRACTOR hereb: F H-ights-of subs th inst Okal. ¥ 'S Ss ‘Ss { Formatted: Highlight Umbrella Insurance The CONTRACTOR shall have the right to meet the liability insurance requirements with the purchase of an umbrella insurance policy. In all instances, the combination of primary and umbrella liability coverage must equal or exceed the minimum liability insurance limits stated in this agreement.