understanding insurance, certificates of insurance and
UNDERSTANDING INSURANCE, CERTIFICATES OF INSURANCE AND HOW THEY APPLY TO GOVERNMENTAL ENTITIES
TampaBayAreaChapter
Florida Information Protection Act Individuals impacted by a breach must be notified within 30 days. The penalty for delay: • • •
$1,000 per day for the first 30 days $50,000 thereafter for each 30-day period or portion thereof for up to 180 days $500,000 as the maximum amount of total penalties for violations continuing more than 180 days
SELF
PURCHASED INSURANCE POLICIES
RETENTIONS
RISK TRANSFER
RISK RETENTION
INSURED
HYBRID PLAN
Commercial General Liability (Per Occurrence Form Required)
$300,000 Each Occurrence
Auto Liability NOT Transporting Students
$1,000,000 Combined Single Limit or, $500,000 Bodily Injury, and $500,000 Property Damage
Auto Liability Transporting Students
$5,000,000 Combined Single Limit or, $1,000,000 Bodily Injury, and $1,000,000 Property Damage
Workers’ Compensation and Employer’s Liability
Per FL Statute 440 $100,000 Each Accident/$500,000 Policy Limit/$100,000 Each Employee
THE ABOVE IS INTENDED AS A GUIDE. WE RECOMMEND THAT YOU WORK IN COLLABORATION WITH YOUR RISK MANAGEMENT DEPARTMENT TO DETERMINE MINIMUM VENDOR LIMITS ACCEPTABLE TO YOUR SPECIFIC ENTITY.
Commercial General Liability (Per Occurrence Form Required)
$500,000 Each Occurrence $1,000,000 Aggregate
Auto Liability NOT Transporting Students
$1,000,000 Combined Single Limit or, $500,000 Bodily Injury, and $500,000 Property Damage
Auto Liability Transporting Students
$5,000,000 Combined Single Limit or, $1,000,000 Bodily Injury, and $1,000,000 Property Damage
Workers’ Compensation and Employer’s Liability
Per FL Statute 440 $100,000 Each Accident/$500,000 Policy Limit/$100,000 Each Employee
THE ABOVE IS INTENDED AS A GUIDE. WE RECOMMEND THAT YOU WORK IN COLLABORATION WITH YOUR RISK MANAGEMENT DEPARTMENT TO DETERMINE MINIMUM VENDOR LIMITS ACCEPTABLE TO YOUR SPECIFIC ENTITY.
Commercial General Liability (Per Occurrence Form Required)
$1,000,000 Each Occurrence $2,000,000 Aggregate
Auto Liability NOT Transporting Students
$1,000,000 Combined Single Limit or, $500,000 Bodily Injury, and $500,000 Property Damage
Auto Liability Transporting Students
$5,000,000 Combined Single Limit or, $1,000,000 Bodily Injury, and $1,000,000 Property Damage
Workers’ Compensation and Employer’s Liability
Per FL Statute 440 $100,000 Each Accident/$500,000 Policy Limit/$100,000 Each Employee
THE ABOVE IS INTENDED AS A GUIDE. WE RECOMMEND THAT YOU WORK IN COLLABORATION WITH YOUR RISK MANAGEMENT DEPARTMENT TO DETERMINE MINIMUM VENDOR LIMITS ACCEPTABLE TO YOUR SPECIFIC ENTITY.
Nazami v. Patrons Mutual Insurance Company, Nos. 17537, 17539, Atlantic Reporter 2d 209, December 5, 2006
440.02(17)
TampaBayAreaChapter
Florida Information Protection Act Individuals impacted by a breach must be notified within 30 days. The penalty for delay: • • •
$1,000 per day for the first 30 days $50,000 thereafter for each 30-day period or portion thereof for up to 180 days $500,000 as the maximum amount of total penalties for violations continuing more than 180 days
SELF
PURCHASED INSURANCE POLICIES
RETENTIONS
RISK TRANSFER
RISK RETENTION
INSURED
HYBRID PLAN
Commercial General Liability (Per Occurrence Form Required)
$300,000 Each Occurrence
Auto Liability NOT Transporting Students
$1,000,000 Combined Single Limit or, $500,000 Bodily Injury, and $500,000 Property Damage
Auto Liability Transporting Students
$5,000,000 Combined Single Limit or, $1,000,000 Bodily Injury, and $1,000,000 Property Damage
Workers’ Compensation and Employer’s Liability
Per FL Statute 440 $100,000 Each Accident/$500,000 Policy Limit/$100,000 Each Employee
THE ABOVE IS INTENDED AS A GUIDE. WE RECOMMEND THAT YOU WORK IN COLLABORATION WITH YOUR RISK MANAGEMENT DEPARTMENT TO DETERMINE MINIMUM VENDOR LIMITS ACCEPTABLE TO YOUR SPECIFIC ENTITY.
Commercial General Liability (Per Occurrence Form Required)
$500,000 Each Occurrence $1,000,000 Aggregate
Auto Liability NOT Transporting Students
$1,000,000 Combined Single Limit or, $500,000 Bodily Injury, and $500,000 Property Damage
Auto Liability Transporting Students
$5,000,000 Combined Single Limit or, $1,000,000 Bodily Injury, and $1,000,000 Property Damage
Workers’ Compensation and Employer’s Liability
Per FL Statute 440 $100,000 Each Accident/$500,000 Policy Limit/$100,000 Each Employee
THE ABOVE IS INTENDED AS A GUIDE. WE RECOMMEND THAT YOU WORK IN COLLABORATION WITH YOUR RISK MANAGEMENT DEPARTMENT TO DETERMINE MINIMUM VENDOR LIMITS ACCEPTABLE TO YOUR SPECIFIC ENTITY.
Commercial General Liability (Per Occurrence Form Required)
$1,000,000 Each Occurrence $2,000,000 Aggregate
Auto Liability NOT Transporting Students
$1,000,000 Combined Single Limit or, $500,000 Bodily Injury, and $500,000 Property Damage
Auto Liability Transporting Students
$5,000,000 Combined Single Limit or, $1,000,000 Bodily Injury, and $1,000,000 Property Damage
Workers’ Compensation and Employer’s Liability
Per FL Statute 440 $100,000 Each Accident/$500,000 Policy Limit/$100,000 Each Employee
THE ABOVE IS INTENDED AS A GUIDE. WE RECOMMEND THAT YOU WORK IN COLLABORATION WITH YOUR RISK MANAGEMENT DEPARTMENT TO DETERMINE MINIMUM VENDOR LIMITS ACCEPTABLE TO YOUR SPECIFIC ENTITY.
Nazami v. Patrons Mutual Insurance Company, Nos. 17537, 17539, Atlantic Reporter 2d 209, December 5, 2006
440.02(17)
