RFP- Property and Casualty Insurance

Burke County Board of Commissioners
602 N. Liberty Street
Waynesboro, GA 30830
REQUEST FOR PROPOSALS
Property & Casualty Insurance
ISSUE DATE: May 15, 2026
RESPONSE DUE DATE: July 8, 2026 at 12:00 PM
1

SUBMISSION OF PROPOSALS: Two (2) complete sets of all RFP documents shall be
sealed and marked RFP Property & Casualty Insurance. These may be mailed or
delivered to:
Burke County Board of Commissioners
Attn: Michael Wiseman, Chief Financial Officer
P.O. Box 89
602 N. Liberty Street
Waynesboro, GA 30830
Alternate form of delivery - Email One (1) complete set to mwiseman@burkecounty-
ga.gov.
Questions concerning this RFP process shall be directed to Michael Wiseman, Chief
Financial Officer, by email to: mwiseman@burkecounty-ga.gov
All proposals submitted by shipping carrier or U.S. mail must be sealed.
All proposals should have a clear, bottom-line cost associated with the proposed coverage.
The proposal must be signed and dated by a representative.
Proposals will be received and publicly acknowledged at the Burke County Board of
Commissioners' Finance Committee meeting on or around July 9, 2026. Awarding of the
RFP will follow within a few days after the meeting.
Any proposal received after the date and/or hour set for RFP opening will not be
accepted. If your proposal is sent by mail, the bidder shall be responsible for actual delivery
of their proposal. If mail is delayed beyond the date and hour set for the RFP opening, the
RFP will not be considered.
2

QUESTIONS/RESPONSES:
QUESTIONS: Respondent questions, requests and/or inquiries for additional information
regarding this RFP process must be emailed to Michael Wiseman at mwiseman@burkecounty-
ga.gov.
RFP Submission Requirements
Completed and signed Forms including RFP Signature Form,
Certification of Eligibility and Vendor References. Vendor shall
submit original forms with original signatures.
Insurance Certificates - Respondents must submit all Insurance
Certificates with proposal.
Company profile, including experience. Also, include information
regarding any pending or past major lawsuits within the past 10
years
Financials
Include information on the proposed carrier's financial stability.
Proposal: Include proposed plan and approach to support
Burke County and its insurance program. Include quality and details of
your services. Include any additional services your company can provide.
Required Forms
Completed forms with original Signatures. (See forms section of this
document). Completed specifications, coverage, premium, and
deviations per line of business.
3

PROJECT SCOPE OF WORK
SERVICES REQUIRED
1. Full-Service Broker of Record
The County is seeking a full-service property and casualty broker of record to
represent the County in all property and casualty insurance policies. Policies will
be fully insured, and no self-insurance proposals will be considered.
2. Loss Prevention
The County would like each of the agents submitting proposals to include a
description of safety and loss prevention services, if appropriate for the line of
coverage. A general outline of proposed services and inspections should be
submitted including the cost for such services, if not included in premium. These
opportunities should include training materials and classes offered to employees
for liability, safety, and general personnel purposes.
3. Claim Service
The County requests timely processing of all property and casualty claims by the
agent. The preferred process will be submission of a claim to the agent via the
agent's preferred method (electronic, etc.) and submission to the insurance
company by the agent. A combination of the two will be acceptable if the broker
of record is involved in the process. The County seeks prompt and accurate loss
runs quarterly showing all paid and outstanding (reserved) claims. Each of the
companies involved in this offer is invited to submit a proposal or plan which states
the specific ways in which it intends to augment claims, loss prevention, and other
services available.
4. Proposal and Policy Format
Proposer is reminded that clearly outlined coverage, in an easily understood
format, will receive the most favorable consideration.
MISCELLANEOUS
All agents submitting proposals for this insurance must meet the following minimum
qualifications:
* If selected, the agent (agency) must carry agents' errors and omissions
insurance with a limit of at least $1 million per occurrence and submit evidence
of such coverage in the proposal.
* Include a copy of the agent's license assigned to the County's insurance
program.
COPIES OF POLICIES
An example policy should be furnished with each quotation.
4

ALTERNATIVES
The County expects all offerors to quote on a basis that duplicates proposed coverage.
Proposed coverage amounts/limits are exhibited at the end of this RFP. The County
welcomes suggestions to improve its Risk Management through property and casualty
insurance amounts/limits. However, quotes should be based upon the schedule provided
at the end of this RFP.
COVERAGE REQUIREMENTS (Applicable to all policies)
NAMED INSURED
Burke County Board of Commissioners and all elected or appointed officials, board
members, and all employees of the County, including the Development Authority of Burke
County.
CANCELLATION AND RENEWAL
All policies are to contain a ninety (90) day cancellation clause pertaining to cancellation
by the insurer, in lieu of customary provisions.
POLICY EFFECTIVE DATE AND TERM
All policies are to be effective October 1, 2026, unless otherwise indicated. Coverage
should be for an annual term with four (4) annual renewal options unless otherwise stated
in your proposal.
UNINTENTIONAL ERRORS AND OMISSIONS
All policies are to contain the following clause:
It is agreed that failure of the insured to disclose all facts existing as of the inception date
of the policy shall not prejudice the insurance with respect to the coverage afforded by this
policy provided such failure or any omission is not intentional.
RATING PLANS
Burke County desires a casualty program written on an occurrence basis. Any claims-
made offerings should have full prior acts. The retroactive date for Professional Liability is
10/01/2016.
WAIVER OF IMMUNITY
All liability policies must include the following endorsements:
With respect to such insurance as is afforded by the policy it is agreed that:
1. The company will not use, either in the adjustment of claims or in the defense
of suits against the insured, the immunity of the insured from tort liability except
upon written request of the named insured.
2. The insured agrees that the waiver of the defense of immunity shall not subject
the company to liability for any portion of a claim verdict or judgment in excess of
the limits of liability stated in the policy.
5

Evaluations
The County will conduct an evaluation of all Proposals received in response to this RFP. Each
proposal will be analyzed to determine the overall responsiveness and qualification under the RFP.
The Burke County Board of Commissioners reserves the right to reject any and all proposals.
Liability limits and deductibles for RFP
Limits of
Line of coverage Deductible Description of Limits
Insurance
Replacement value of
approximately 50 building
locations and contents/additional
Commercial
structures. Additionally,
Property (co- $10,000 $178,941,000
approximately 775 acres of
insurance 90%) *
Industrial Development land
inventory. Lists available upon
request.
Earthquake/Volcano
$50,000 $1,000,000 Blanket coverage
endorsement
Flood coverage
$50,000 $1,000,000 Blanket coverage
endorsement
Contractor's 100 units covered plus $250,000
Equipment (Inland $5,000 $6,120,000 blanket for "unlisted" small units.
Marine) List available upon request.
Employee Theft $2,500 $100,000 Per occurrence
Forgery or Alteration $2,500 $250,000 Per occurrence
Theft of
money/money $2,500 $250,000 Per occurrence
orders/counterfeit
$3,000,000 aggregate limit;
Commercial General Personal injury limit $1,000,000;
- $3,000,000
Liability Per occurrence limit $1,000,000;
Employee Benefits $1,000,000
Sexual Abuse - $1,000,000 Per occurrence and aggregate
Unmanned aircraft - $25,000 Aggregate limit
Firefighters Elective $50,000 aggregate annually;
- $50,000
Surgery $25,000 per employee limit
Aggregate for computer attacks,
network security, ransomware,
Cyber coverage * $5,000 $250,000 business interruption, and
electronic media. $250,000 per
occurrence.
$250,000 aggregate; $250,000 per
Data Compromise * $5,000 $250,000
occurrence
6

Limits of
Line of coverage Deductible Description of Limits
Insurance
292 automobiles and trailers with
tags in the fleet; Total cost new
$19,928,000; $1,000,000 liability
limit; Uninsured motorists limit
Automobiles * $2,500 $1,000,000
$75,000 each accident; Bodily
injury each person limit $500,000;
Bodily injury total limit $700,000;
Property damage $50,000
Law Enforcement Each wrongful act; annual
$100,000 $1,000,000
Liability aggregate both $1,000,000
Public Officials' Each wrongful act; annual
$25,000 $1,000,000
Liability aggregate both $1,000,000
Each wrongful act; annual
Employment
$75,000 $1,000,000 aggregate both $1,000,000; back
Practices Liability
wages limit $50,000
Personal injury, malpractice, and
Airport * - $1,000,000 each occurrence all $1,000,000
each.
Police (2 Belgian Malinois)
Canine mortality - $23,000
$11,500 each
Terrorism Risk
- - Federal share 80%
Insurance
7

RFP Forms
8

VENDOR REFERENCES
Please list three (3) references for current customers who can verify the quality of service your
company provides. The County prefers Georgia local government customers of similar size and
scope of work to this RFP if possible.
REFERENCE ONE:
COMPANY NAME:
ADDRESS/CITY/STATE/ZIP:
CONTACT NAME/TITLE:
BUSINESS PHONE/EMAIL:
CONTRACT PERIOD:
SCOPE OF WORK:
REFERENCE TWO:
COMPANY NAME:
ADDRESS/CITY/STATE/ZIP:
CONTACT NAME/TITLE:
BUSINESS PHONE/EMAIL:
CONTRACT PERIOD:
SCOPE OF WORK:
REFERENCE THREE:
COMPANY NAME:
ADDRESS/CITY/STATE/ZIP:
CONTACT NAME/TITLE:
BUSINESS PHONE/EMAIL:
CONTRACT PERIOD:
SCOPE OF WORK:
9

COMPLIANCE WITH FEDERAL AND STATE LAWS
CERTIFICATION OF ELIGIBILITY
By submitting a Proposal in response to this solicitation, the Respondent certifies they are not
on the Federal Government's list of suspended, ineligible, or debarred entities.
In the event of placement on the list between the time of Proposal submission and time of award,
the Respondent will notify Burke County. Failure to do so may result in terminating this contract
for default.
Signature: Date:
Printed Name:
10