Insurance Policy Specifications

Luzerne County
Insurance Policy Specifications
Policy Term: 1/1/2027 through 1/1/2028

SECTION I
General Requirements & Instructions
NOTICE
Information provided in these specifications is to be used only for the purpose of preparing detailed
costs of insurance coverage for County of Luzerne.
It is expected that each carrier will read these specifications with care. Failure to meet certain
conditions may invalidate proposals.
County of Luzerne, its Consultant and Broker of Record, reserve the right to reject any or all
proposals, or any portion thereof and to accept the proposal or portions of the proposal deemed
most advantageous. There is no expressed or implied obligation for County of Luzerne to
reimburse responding carriers for any expenses incurred in preparing proposals in response to this
request.
The Request for Proposal, herein referred to as RFP, is not to be construed as creating a contractual
relationship between County of Luzerne and any carrier submitting a response to this RFP.
Proposing carriers are requested to submit quotations on the basis of these specifications.
Alternative quotes providing coverage or service broader than those requested are encouraged and
will receive consideration provided such coverage and service are clearly explained and noted
separately.
By submitting these quotations, the carrier represents that it has examined and understands this RFP
and has become fully informed of all requirements of the RFP.
All terms and conditions set forth in this document are accepted and must be incorporated in the
submission unless explicit exception is made in writing to individual items and accepted by County
of Luzerne.
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SECTION I
General Requirements & Instructions
After evaluation of the responses, County of Luzerne will make its selection based on the response
which best meets the needs of County of Luzerne, in the sole discretion of County of Luzerne.
The Request for Proposal is not intended to create a public bidding process and the proposal with
the lowest quoted premium will not necessarily be accepted, nor will any reason for the rejection of
any proposal be indicated.
County of Luzerne reserves the right to privately negotiate with any carrier with respect to the
requirements outlined in this Request for Proposal.
The information contained herein is believed to be accurate, however, should not be considered
warranted in any way.
Requests for additional underwriting information, inspections or supplemental applications "must
be" requested via email or in writing to the County's Broker of Record at:
Brown & Brown
9 N Main Street, Suite 3
Pittston, PA 18640
570-655-2831
Bill Joyce - Vice President
Bill.Joyce@bbrown.com
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A. TIMETABLE
1. These specifications are to be sent to market on or about October 9, 2026.
2. Proposals will be accepted by Bill Joyce, Vice President, Brown & Brown, 9 N. Main Street,
Pittston, PA 18640, by noon, October 30, 2026.
3. Proof of Binding is to be delivered immediately upon notification of acceptance with
complete policies to follow within sixty days with any endorsement changes that are
required.
B. POLICY TERM
1. Policy Term will be 1/01/2027 to 1/01/2028
2. The successful carrier, solely at the County of Luzerne's discretion, may be given the option
to issue subsequent renewals provided "comparable" coverage and pricing structure is being
offered.
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SECTION I
General Requirements & Instructions
C. PREPARATION OF PROPOSALS
Carriers may submit their proposal in any form which provides complete descriptions of that which
is proposed.
Proposals failing to provide all of the items in the specifications will not be rejected, per se, however,
any exceptions or deviations from the requested coverage must be clearly indicated in writing and
must be submitted and form a part of their proposal.
Blanket statements, such as "including all coverage requested in the specifications", WILL NOT
BE ACCEPTABLE.
Signatures of the person or persons preparing the quotation and authorized to bind the carrier shall
be affixed on the proposal. Carriers are cautioned not to make "yes/no" or "included/not
included" responses when there is any doubt that the underwriter intended to provide such coverage
or coverage wording.
Proposing carriers are requested to submit proposals for ANY OR ALL of the following:
1. Package Policy- Including Property, Inland Marine, Commercial General Liability,
Pesticide/Herbicide, Commercial Auto, Umbrella, Systems Breakdown, Employee
Benefits and Crime
2. Public Officials/Employment Practices/Network Security & Privacy Liability
3. Law Enforcement Professional Liability/Excess Law Enforcement
4. Emergency Dispatchers Liability
5. Public Defender/Lawyers Professional Liability
6. Keystone Job Corps Property Coverage
7. Children and Youth- Including Commercial General Liability, Professional Liability
Abuse/Molestation Liability and Excess Liability
8. Mental Health/Developmental Services - including Commercial General Liability,
Professional Liability and Abuse/Molestation Liability, Umbrella
9. Area Agency on Aging- including Commercial General Liability, Professional
Liability and Abuse/Molestation Liability, Umbrella
10. Luzerne/Wyoming Drug & Alcohol Program- including Commercial General
Liability, Professional Liability and Abuse/Molestation Liability, Umbrella
11. Fiduciary Liability
12. Excess Workers Compensation
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D. SUBMISSIONS OF PROPOSAL
Where proposals are sent by mail, the carrier shall be responsible for their delivery before the date
and time set for the closing of proposal acceptance. If the mail is delayed beyond the date and hour
set for the closing, proposals thus delayed will not be considered.
E. INTERPRETATION OF SPECIFICATIONS
If any person submitting a proposal is in doubt as to the true meaning of any part of these
specifications, he or she may submit via email or in writing to the County's Broker of Record,
Brown & Brown, a request for an interpretation thereof. Any interpretation of these specifications
will be made in writing and distributed to all carriers who received a copy of these specifications.
Oral interpretations ARE NOT binding.
F. CONSIDERATION OF PROPOSAL
Romilda P. Crocamo, Esq., County Manager, shall represent and act for County of Luzerne in all
matters pertaining to these specifications and policy contracts in conjunction therewith.
G. EXAMINATION OF POLICIES
Requests to furnish specimen policies may be made after the proposals are reviewed.
Any restrictive endorsements which appear in subsequent policies shall be considered deviations
from the specifications unless submitted with the proposal.
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SECTION I
General Requirements & Instructions
H. PREMIUM AND FEES
"ALL" policies are to be written "net" of commission (zero (0) commission).
Successful carriers must provide to the County of Luzerne, written evidence indicating the policy is
being issued "net of commission" (zero (0) commission) to the broker of record, Brown & Brown
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SECTION I
General Requirements & Instructions
I. ACCEPTANCE OF SUBSEQUENT POLICIES
Four (4) complete copies of policies will be required. Policies will be audited by the County of
Luzerne, its Consultant and Broker of Record.
Failure of the subsequently issued policies to match the proposal will not be acceptable to County of
Luzerne and may be grounds for disqualification or cancellation of said policies. Such cancellation
shall be on a pro-rata (not short-rate) basis and will not be subject to any minimum earned or
deposit premium.
J. SERVICES DESIRED
1. Claim Services - In addition to claims service, County of Luzerne expects to receive
prompt and accurate loss runs semi-annually at minimum, showing all paid and outstanding
(reserved) claims. It is not the County's wish to dispute the reserving techniques of
insurer(s) but it can offer the benefit of personal and timely knowledge which may affect a
more prompt and equitable settlement of the claim.
2. Information, Advice, Notice of Changes - County of Luzerne expects to receive from its
selected insurance carrier advance information and advice regarding improved programs,
methods and constructive suggestions as to implementation.
3. Premium Allocation - The writing carrier will be expected to provide County of Luzerne
with a premium breakdown for cost allocation purposes.
4. Loss Control Services - Proposals should include an outline of loss control services
offered. Any costs for these services should be noted. These value-added services will be
considered when analyzing and awarding the policies.
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SECTION I
General Requirements & Instructions
K. QUALIFICATIONS OF INSURERS
1. Proposals will only be accepted from carriers with a current rating of "(A-) FSC X" or better
in the Best's Key Rating Guide Property & Casualty Edition.
2. Carriers shall comply with all applicable state insurance laws and requirements of insurance
regulatory authorities.
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SECTION II
Coverage Conditions
A. GENERAL
1. *Named Insured on policies shall read:
County of Luzerne, its subsidiaries or affiliated entities, as now or may hereafter be acquired
or formed, and any trusts, foundations, funds, welfare plans of any kind and other interests
now or hereafter related to the insured, but not specifically named.
*EXCEPTIONS:
Children & Youth
Luzerne County Children & Youth Services its subsidiaries or affiliates entities, as now or may
hereafter be acquired or formed and any trusts, foundations, funds, welfare plans of any kind and
other interests now or hereafter related to the insured but not specifically named.
Keystone Job Corps
Keystone Job Corp Center, its subsidiaries or affiliated entities, as now or may hereafter be acquired
or formed, and any trusts, foundations, funds, welfare plans of any kind and other interests now or
hereafter related to the insured but not specifically named.
Area Agency on Aging for Luzerne/Wyoming Counties
Area Agency on Aging for Luzerne/Wyoming Counties its subsidiaries or affiliated entities, as now
or may hereafter be acquired or formed, and any trusts, foundations, funds, welfare plans of any
kind and other interests now or hereafter related to the insured but not specifically named.
Luzerne / Wyoming Counties Mental Health/ Developmental Services
Luzerne / Wyoming Counties Mental Health / Developmental Services its subsidiaries or affiliated
entities, as now or may hereafter be acquired or formed, and any trusts, foundations, funds, welfare
plans of any kind and other interests now or hereafter related to the insured, but not specifically
named.
Luzerne / Wyoming Counties Drug & Alcohol Program
Luzerne / Wyoming Counties Drug & Alcohol Program its subsidiaries or affiliated entities, as now
or may hereafter be acquired or formed, and any trusts, foundations, funds, welfare plans of any
kind and other interests now or hereafter related to the insured, but not specifically named.
County of Luzerne Public Defenders Office
County of Luzerne Public Defenders Office, its subsidiaries or affiliates, as now or may hereafter be
acquired or formed, and any trusts, foundations, funds, welfare plans of any kind and other interests
now or hereafter related to the insured, but not specifically named.
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