Property & Casualty Insurance Coverage

The Town of Orange Park is seeking a qualified insurer to provide comprehensive Property & Casualty coverage—including property, automobile, fuel‑storage‑tank, police & firefighter accidental death & dismemberment, workers’ compensation, and optional flood and cancer‑benefit coverages—effective October 1 2026. Proposers must submit sealed bids by 2:00 PM on September 9 2026 to the Town Clerk’s Office. The RFP requires detailed premium breakdowns, proof of financial strength (Best’s Guide rating), compliance with Florida statutes (sovereign immunity limits, drug‑free workplace, public‑entity crime statements), and mandatory forms (Section XIII). Evaluation will consider cost, coverage limits, service capability, and carrier financial stability. The contract will likely run for at least one year with a 12‑month rate guarantee and possible extensions. • Coverage lines: Property (special form, replacement cost, windstorm), General Liability, Automobile Liability, Crime, Public Officials/Errors & Omissions, Workers’ Compensation, AD&D for police/firefighters, Fuel‑Storage‑Tank liability, optional Flood and Cancer‑benefit. • Total insured value of property: $36,203,546; various sub‑limits detailed in schedules. • Premiums for prior years total roughly $1 million annually, indicating the expected contract size. • Submission requirements: two hard‑copy copies + electronic copy, sealed envelope, signed proposal form, required certifications (drug‑free, public‑entity crime, conflict‑of‑interest). • Questions due by September 2 2026; contact John Villanueva for clarifications. • Award will be made per Town purchasing policy; proposals may be rejected or partially awarded.