The government authority in Lake, Florida is seeking a vendor to provide risk insurance broker services. The agency's risk insurance program covers a comprehensive range of policies, including General and Excess Liability (encompassing property, auto, general, errors & omissions, employee benefits, workers compensation, historic building valuation, sexual abuse and harassment), Cyber Risks Liability, crime, boiler & machinery, storage tank, pollution, blanket accident insurance (probation), and statutory accidental death and dismemberment tailored for Firefighters and Sheriff Officers.

Coverage is structured in three tiers: the first includes a Self-Insured Retention (SIR) of $100,000; the second is a primary policy covering the first $1,000,000 above the SIR (with sub-limits for Wind/Hail, Flood, Earthquake, and Builders Risk); and the third tier is an excess/umbrella policy totaling $159,000,000. The selected broker will coordinate renewal applications, pricing, and policy changes at least ninety days before renewal, and annually provide both a detailed assessment of current market conditions and a report summarizing all insurance coverage, anticipated market trends, and actionable recommendations. The contract is for a one-year term.