Poinciana West 

Community Development District 



Agenda Package 



September 20, 2023 


























September 13, 2023 



Board of Supervisors 

Poinciana West Community 

Development District 



Dear Board Members: 



The Board of Supervisors of Poinciana West Community Development District will meet Wednesday, 
September 20, 2023 at 9:00 AM at the Starlite Ballroom, 384 Village Drive, Poinciana, Florida. 

Zoom Information for Members of the Public: 

Link: https://zoom.us/j/94240027437 

Dial-in Number: (646) 876-9923 

Meeting ID: 942 4002 7437 



Following is the advance agenda for the meeting: 



1. Roll Call 
2. Pledge of Allegiance 
3. Public Comment Period on Agenda Items 
4. Organizational Matters 
A. Acceptance of Resignation of Mayra Skeete effective December 2023 
B. Review of Resumes and Letters of Interest 
i. Len Kirschbrown 
ii. Ed Smith 
iii. Greg Hindahl 
iv. Kevin Novak 
v. Antonio Mendieta 



C. Appointment of Individual to Fulfill Board Vacancy with Term Ending Nov. 2024 – 
Effective Now 
D. Appointment of Individual to Fulfill Board Vacancy with Term Ending Nov. 2024 – 
Effective Dec. 1, 2023 
E. Administration of Oath to Newly Appointed Supervisor(s) 
F. Consideration of Resolution 2023-07 Electing Officers 



5. Approval of Minutes of the July 19, 2023 Meeting 
6. Consideration of Proposals for Insurance Renewal 
A. Brown & Brown 



7. Review of Pond Acquisition Agreement 
A. Presentation of Memo from Clark & Albaugh, PLLC 
B. Review of Acquisition Agreement 
C. Review of Insurance Confirmation for Proposed Stormwater Parcels 
D. Review of Proposals for Maintenance of Proposed Stormwater Parcels 
i. Solitude 
ii. Floralawn 



E. Review of Fences on Proposed Stormwater Parcels 



8. Consideration of Resolution 2023-06 Approving the Conveyance of Tracts P-19A and P-19B 



9. Review of Financial Balances and Investment of Surplus Funds 
10. Staff Reports 
A. Attorney 
B. Engineer 
C. District Manager 
i. Approval of Check Register 
ii. Balance Sheet and Income Statement 



D. Field Manager’s Report 
i. Consideration of Solitude Aquatic Maintenance Renewal 
ii. Consideration of Floralawn Landscape Maintenance Renewal 
iii. Consideration of Clarke Mosquito Management Renewal 
1. Annual Renewal Breakdown 
2. Annual Renewal Breakdown – ADD Pond 15 Option 
3. Midge Complaint Research 



iv. Customer Complaint Log 






11. Supervisor’s Requests 
12. General Audience Comments 
13. Other Business 
14. Next Meeting Date – November 15, 2023 
15. Adjournment 


 

Sincerely, 

Tricia L. Adams 

 

Tricia L. Adams 

District Manager 


Leonard Kirschbrown 

316 Monterey Street 

Poinciana, Florida 34759 

704-962-7214 

Re: Open PWCDD board position 



To whom it may concern 



I have lived in Solivita for ten years with a settling pond in my backyard and am very 
familiar with the environmental drawings associated with the Solivita Construction 
drawings entered in the environmental data base. 



My experience with budgets, design, construction, operation, contract reviews etc. would 
be a great help in the maintaining and operating of the ponds and storm drain systems 
found in the Solivita Poinciana West Development District area of responsibility. 



Please see attached Resume for experience details 



Thank you for you consideration 

Leonard (Len) Kirschbrown 




Leonard Kirschbrown 

316 Monterey Street 

Poinciana, Florida 34759 

704-962-7214 

 

Background: 

 

Obtained a BSME from the University of South Carolina, Columbia SC June 1981. 

 

Worked for Duke Energy for 37 years and during my employment have been involved in 
the design, construction, and operation of settling ponds, water basins, underground 
piping, water treatment systems and pumping stations. 

 

The largest project worked on was a 2.4 billion dollar state of the art environmental 
power plant where I was initially involved in the design, contract assembly, and bidding 
review and ended being on the team of field engineers overseeing the construction and 
startup of the facility. 

 

The last project I worked on was a 350 million dollar retrofit project where I was 
involved in the design, construction and startup of a massive chiller system at the Hines 
Power Station in Bartow Florida. 


Hello, 

 

I am a 9 year resident of Solivita. I live in the Verona section with a view of a retention basin 
managed by the CDD. 

 

Prior to moving to Solivita, I was the HOA treasure in my development called Wynnewood in 
Gibbsboro, NJ. 

 

I am a technology guru, with over 50 years in the business. My video game and computer 
designs in the 1970s are the highlights of my career. As one of the first African Americans to 
design a video game and personal computer, I have been recognized by numerous technology 
publications. 

 

You can view more on my web site - http://www.imaginethat2.com. 

 

I bring a strong technology and management skill set to the CDD and trust you find my 
background in line with your desires. 

 

Cheers, 

 

Ed Smith 


Edward L. Smith 

 

609.364.6358 - edsmith114@gmail.com 

 

 Experience 

 

Imagine That LLC 

Principal Consultant 

Feb 19 – Present 

 

Development of strategic partner planning, product integration and co-marketing initiatives with 
software and services firms. Working directly with research firms to provide investor clients with 
the relevant software and alliance industry knowledge required to make sound investment 
decisions. 

 

Kronos, Inc. 

Global Strategic Alliance Executive 

Dec 13 – Dec 18 

 

At Kronos, I was responsible for developing the partner ecosystem from scratch in the Public 
Sector business unit, moving into a global alliance manager role within 2 years 

 

 Informatica 

 

Global Strategic Alliance Executive 

Jan 13 – Dec 13 

● Working with the VP of alliances to create a new systems integrator partner model that 
promotes close partner collaboration and execution. 
● Engaged key SI partners including Infosys, TCS, Wipro, Accenture, PWC, Cognizant, 
Deloitte, NTT Data, Cloudera and Knowledgent 


 

Infosys Technologies 

Global and Industry Alliance and Marketing Executive 

Feb 02 – Nov 12 

 

● Co-developed and executed the Infosys Alliance program by implementing a tiered partner 
model with specific metrics across all sales, marketing, training, and operational functions 
both internally and externally. 
● Relationship engagement across a number of strategic software firms including IBM, 
Oracle, SAP, Charles River, Tibco, OpenText, Software AG, Microsoft, Pegasystems, 
SAS, Kronos, NetApp, Teradata and Informatica. 


 

 Fontanus 

VP Business Development 

Jan 01 – Jan 02 

 

● Manage the sales, services, and alliance teams for revenue growth through direct 
consulting and development services 
● Drove revenue to 70% YOY in 1 year, servicing clients in the financial services, 
healthcare, and manufacturing industries 
● Key clients included TIAA-CREF, Florida Hospital, Arvent Bank and JPMC 


 

Novell – General Manager 

Alliances & Business Development 

Jun 93 – Nov 00 




As the primary executive for governess across key strategic partners, was responsible for providing 
business management oversight to global alliance team. 



● Negotiated and managed OEM agreements with IBM, LanDesk, Unisys, Tivoli, HP, 
Epson, CA and others. 
● Additional responsibility for partner relationship management with Citrix, Unisys, Sun 
Microsystems, AT&T, Nortel and Lucent 
● Drove Novell direct revenue through a joint sales engagement model that leverage 
alliances using the CHAMP and Strategic Selling models, 
● Maintained partner P&L, direct program management for new solutions development, 
direct interface with marketing, legal and operations. 
● Executive liaison, coordinating all senior executive meetings, proposals to the board of 
directors and interface with legal teams. 




Novell – Manager 

Major Accounts, Mid-Atlantic Territory 

Jun 90 - Apr 93 



Manage the direct sales organization in the growth of Novell technologies, including network OS, 
network management, directory and network analysis systems at the CxO level 



Novell - Regional Sales Manager 

Mid-Atlantic Territory 

Mar 88 - Jun 90 



New market development experience leveraged to devise a strategy that maximized all territory 
sales and systems engineering teams in growing Novell’s strong channel and major account 
presence. 



● Tutored by Ray Noorda in 2-tier channel program management and a tiered reseller 
model, I leveraged this knowledge to build one of the strongest territories within the 
company. 
● Managed all distribution relationships in the territory, tracking inventory, POS, and AR. 
● Responsibilities included managing individual revenue attainment that collectively 
exceeded 30mm, pre-sales support, reseller recruitment and multi-level authorization, 
large account assignments, reseller territory assignments and distribution support. 







Greg Hindahl, MD 

753 San Raphael St. 

Poinciana, FL 34759 

 

Attn: Tricia Adams, District Manager Solivita 

Dear Ms. Adams, 

My name is Greg Hindahl and I’m writing to express interest in the vacated Board of Supervisors seat for 
the PWCDD. My wife Norma and I and our dog Sandie have been residents of Solivita for a little over a 
year now and we love it here! One of the things that attracted us to Solivita were the vast natural areas 
including the lakes, marshes and woods. We also love the wildlife that those areas attract and provide 
homes for. With all the things going on right now that are negatively impacting our planet, I think it is 
critical to protect and properly manage these beautiful parts of Solivita. I have served in multiple 
leadership positions throughout my career. Also my 22 years practicing Family Medicine and Emergency 
Medicine taught me how to work with all sorts of people and solve, sometimes life threatening 
problems, many times a day. I also had experience working with budgets in my role as VP and CMIO for 
BayCare Health System in Tampa Bay. I would be honored if the PWCDD Board of Supervisors would 
consider me for the open position. Unfortunately, I will be travelling to Indiana, Illinois, and Wisconsin 
most of September for multiple family events so I will not be available to speak at the next meeting on 
September 20th. Please let me know if you need more information or have questions about my resume. 
Thanks again. 

Sincerely, 

Greg Hindahl 

 

 


Greg Hindahl, MD 

753 Sans Raphael St. 

Poinciana, FL 34756 

ghindahl@gmail.com 

(727)410-4968 

 

Education: 

• Undergraduate – Butler University, BS in Chemistry with highest honors, 1979 
• Graduate – Indiana University, Doctor of Medicine, 1983 
• Postgraduate – Residency in Family Medicine, St. Mary’s Medical Center, Evansville, Indiana, 
1986 
• Certifications PALS, NALS, ACLS, ATLS, Advanced Airway Management 


Business Related Education: 

• Six Sigma Green Belt, Deaconess Health System, Evansville, Indiana. 
• Kelly Partners Leadership Development Course, Kelly School of Business, Indiana University 
• BayCare Leadership Development Course, BayCare Health System, Clearwater, Florida 


Work Experience: 

• 22 years practicing Family Medicine and Emergency Medicine, Jasper and Evansville, Indiana 
1986-2008. 
• 12 of those years was also Family Medicine Residency Director teaching residents and medical 
students at Deaconess Health System, Evansville, IN. Was the Director responsible for 
recruiting and research. 
• 5 years as CMIO at Deaconess Health System in Evansville, IN. Responsible for the clinical 
implementation of Epic’s Electronic Medical Record for our hospitals and employed physician 
offices. 2007-2012 
• 7 and ½ years as VP and CMIO at BayCare Health System which is the largest health system in 
Tampa Bay. 2012-2019. At one point I had 4 Directors, 9 managers and about 250 team 
members reporting to me. Was responsible for the clinical implementation of Cerner’s 
Electronic Medical Record system in our 15 hospitals and 200+ employed physician offices. 
Physician Executive responsible for our Telemedicine initiative. Was responsible for the budget 
for my area. Total annual IT budget was roughly $40M. 


Other Leadership Experience: 

• Led 7 Medical Mission trips to rural Jamaica for Deaconess Hospital. Senior high school youth 
group leader at our church and helped lead 3 church mission trips for our Jr. and Sr. high youth 
including one from Indiana to Arcadia Florida to work on hurricane damaged homes. Served as 
Medical Staff President at Memorial Hospital, Jasper, Indiana. Served as Indiana State Medical 
Association 9th District President. Served on the Indiana Academy of Family Physicians Board 
of Directors for 4 years. 


Interest/Hobbies: 

• Golf, cycling, oil painting, private pilot 1997-2017, genealogy, hunting and fishing, kids, 
grandkids, piano 



RESOLUTION 2023-07 

 

A RESOLUTION OF THE BOARD OF SUPERVISORS OF THE 
POINCIANA WEST COMMUNITY DEVELOPMENT DISTRICT 
ELECTING THE OFFICERS OF THE DISTRICT AND 
PROVIDING FOR AN EFFECTIVE DATE 

 

 WHEREAS, the Poinciana West Community Development District (the “District”) is a 
local unit of special purpose government created and existing pursuant to Chapter 190, Florida 
Statutes; and 

 

 WHEREAS, the Board of Supervisors of the District (“Board”) desires to elect the 
Officers of the District. 

 

NOW, THEREFORE, BE IT RESOLVED BY THE BOARD OF 
SUPERVISORS OF THE POINCIANA WEST COMMUNITY 
DEVELOPMENT DISTRICT: 

 

Section 1. ________________________ is elected Chairperson. 

 

Section 2. ________________________ is elected Vice-Chairperson. 

 

Section 3. ________________________ is elected Secretary. 

 

Section 4. ________________________ is elected Assistant Secretary. 

________________________ is elected Assistant Secretary. 

________________________ is elected Assistant Secretary. 

________________________ is elected Assistant Secretary. 

 

Section 5. ________________________ is elected Treasurer. 

 

Section 6. ________________________ is elected Assistant Treasurer. 

 

Section 7. This Resolution shall become effective immediately upon its adoption. 

 

PASSED AND ADOPTED this 20th day of September, 2023. 

 

 

ATTEST: POINCIANA WEST COMMUNITY 
DEVELOPMENT DISTRICT 

 

 

 

_________________________________ ____________________________________ 

Secretary/Assistant Secretary Chairperson/Vice-Chairperson 


MINUTES OF MEETING 

POINCIANA WEST 

COMMUNITY DEVELOPMENT DISTRICT 

 

 The regular meeting of the Board of Supervisors of the Poinciana West Community 
Development District was held on Wednesday, July 19, 2023 at 9:00 a.m. via Zoom 
Communication Media Technology and in the Starlite Ballroom, 384 Village Drive, Poinciana, 
Florida. 

 

 Present and constituting a quorum were: 

 

 Peggy Gregory Chair 

 Roy LaRue Vice Chairman 

 Dr. Maneck Master Assistant Secretary 

 Mayra Skeete Assistant Secretary 

 

 

 Also present were: 

 

 

 Tricia Adams District Manager 

 Scott Clark (via Zoom) District Counsel 

 Kathy Leo District Engineer 

 Clayton Smith (via Zoom) Field Manager 

 Cherrief Jackson Clarke Midge Control 

 Don Gordon Resident 

 Residents (Present & via Zoom) 

 

 

 The following is a summary of the discussions and actions taken at the July 19, 2023 
Poinciana West Community Development District’s Board of Supervisors Meeting. 

 

FIRST ORDER OF BUSINESS Roll Call 

 Ms. Adams called the meeting to order at 9:04 a.m. and called the roll. A quorum was 
present. 

 

SECOND ORDER OF BUSNESS Pledge of Allegiance 

 The Pledge of Allegiance was recited. 

 


THIRD ORDER OF BUSINESS Public Comment Period on Agenda Items 

 Ms. Adams opened the public comment period. Resident George Muller (Jasmine Creek 
Road) addressed the buildup of the funds, which was projected to increase with the budget, but 
assessments per unit remained the same. The undesignated funds per the Balance Sheet increased 
from $494,283 in 2019 to $586,234 in 2022. The net position for unrestricted funds increased 
from $571,439 in 2019 to $656,390 in 2022, yet the District was still budgeting the same 
amounts. At some point in time, there should be reductions. There being no further 
comments, Ms. Adams closed the public comment period. 

 Mr. Clayton Smith joined the meeting. 

 

FOURTH ORDER OF BUSINESS Organizational Matters 

A. Acceptance of Resignation of Joseph Clark 


 Ms. Adams received a resignation letter from Mr. Joseph Clark, since he moved out of 
the District. 

 

B. Appointment of Individual to Fulfill Board Vacancy with Term Ending 
November 2024 


 Ms. Adams explained when there was a vacancy on the Board, the seated Board 
Members can appoint a qualified elector to the vacant seat. They must be someone who was 18 
years or older, a citizen of the United States and the State of Florida, living within the boundaries 
of the District and a registered voter with Polk Elections office. The Board could direct District 
Management to announce the vacancy via e mail blast and that resumes or Statements of Interest 
be submitted by a deadline. Mr. Scott Clark clarified that the only legal requirement was the 
qualification and selection by a majority vote of the remaining Board Members. Regardless of 
how the Board wanted to proceed, the Board must declare the seat vacant by officially accepting 
the resignation of Mr. Joseph Clark. 

 

On MOTION by Dr. Master seconded by Ms. Gregory with all in 
favor accepting Mr. Joseph Clark’s resignation effective 
immediately was approved. 

 

 Ms. Adams received a resignation letter from Ms. Skeete effective December 1, 2023, but 
the Board should consider an appointment soon. The Board could function with four members; 


however, there must be a quorum of three Board members present at each meeting. Mr. Scott 
Clark recommended that the Board declare the vacancy of Ms. Skeete at the September meeting. 
Dr. Master preferred an announcement of both vacancies, with the Board filling Mr. Joseph 
Clark’s seat at the next meeting and Ms. Skeete’s seat after December 1st. Mr. Scott Clark 
concurred. There was Board consensus. 

 

C. Administration of Oath of Office to Newly Appointed Board Member 
D. Consideration of Resolution 2023-07 Electing Officers 


 These items were deferred. 

 

FIFTH ORDER OF BUSINESS Approval of Minutes of the May 17, 2023 
Meeting 

 Mr. LaRue noted on Page 14, Mr. Scott Clark suggested that Taylor Morrison (TM) pay 
$15,000 in fees for one-year of maintenance and questioned whether TM agreed to this. Ms. 
Adams pointed out that the Board would be considering the conveyance for Tracts P-19A and P- 
19B later in the agenda and the matter could be discussed at that time instead of during review of 
the meeting minutes. Dr. Master asked if Board Members that were not present needed to 
approve the minutes. Ms. Adams explained that all Board Members present are required to vote 
unless there is a financial conflict. Mr. Scott Clark pointed out that failure to vote was registered 
as a no vote. 

 

On MOTION by Dr. Master seconded by Mr. LaRue with all in 
favor the Minutes of the May 17, 2023 Meeting as presented were 
approved. 

 

SIXTH ORDER OF BUSINESS Public Hearing 

 

On MOTION by Mr. LaRue seconded by Ms. Skeete with all in 
favor the public hearings for the Fiscal Year 2024 budget adoption 
were opened. 

 

A. Consideration of Resolution 2023-02 Adopting the Fiscal Year 2024 Budget 
and Relating to the Annual Appropriations 



Ms. Adams presented Resolution 2023-02, Adopting the Fiscal Year 2024 budget, which 
starts on October 1, 2023 and runs through September 30, 2024. The proposed budget was 
properly conveyed to the local Government, posted on the District’s website and the public 
hearing noticed in a newspaper of general circulation in accordance with Florida Statutes. The 
resolution included approving the budget, appropriations and a process for handling budget 
amendments. The Proposed Budget for Fiscal Year 2024 was attached to the resolution, which 
was updated to include actuals through May 31, 2023. The majority of revenues come from 
special assessments, which were added to the non-ad valorem section of the Polk County 
Property Tax Bill. The assessment was $186.57, which was the same amount as the prior year. 
The budget recognized interest income and a money market account that the District had with 
Bank United. As of the end of June, the money market interest rate was 5.15%. It also 
recognized a portion of Carry Forward Surplus, in order to balance the budget. The total 
proposed revenue for Fiscal Year 2024 was $337,571. In Fiscal Year 2023, the total 
administrative expenses to operate the District was $131,388 and $115,651 was proposed for 
Fiscal Year 2024. There was a decrease in professional legal and engineering fees related to 
property conveyance. Six meetings were proposed for Fiscal Year 2024, at the direction of the 
Board. There was a proposed increase in Management Fees of $1,200 from $40,000 to $41,200. 

Ms. Gregory recalled in March, the insurance premium was budgeted at $41,098, but 
according to the minutes, there was supposed to be a Request for Proposal (RFP) to get the 
premium down to where it needed to be. Ms. Adams explained that the current budget was based 
on industry estimates. Ms. Adams reached out to three insurance providers that handled CDD 
insurance to get proposals for FY2024. Two vendors; the current provider and prior provider 
indicated they would provide proposals to be reviewed by the Board at the September meeting. 
Ms. Gregory had an issue with the Other Current Charges budget of $2,400, which were based 
on bank charges. Ms. Adams recalled that the Board ratified the actions of the Chair to reduce 
bank fees, which were an ongoing challenge for accounting staff to ensure that bank fees were 
refunded and did not re-appear on the bank statement. The District was required to deposit their 
funds in the General Fund in a public depository, in accordance with Florida Statutes to 
safeguard the District’s funds. Ms. Gregory requested that minimizing bank fees be a priority. 
Dr. Master recalled that $10,000 was budgeted in Annual Interest beginning in October, but it 
should be in excess of $25,000 based on the investments. Ms. Adams stated that all of the 


investment funds were earning more than 5% interest and there was more than $500,000 
invested, but actual earnings could be higher or lower if market conditions change. Ms. Gregory 
felt that they should earn as much interest as they can. 

Regarding the expenses related to the maintenance of the stormwater system and tunnels, 
Ms. Adams noted Field Expenses for Fiscal Year 2023 was $576,830 and $662,247 was 
proposed for Fiscal Year 2024. Additional expenses were anticipated for the stormwater parcels 
to be conveyed by TM. Staff recommended keeping assessments level. Dr. Master questioned the 
percentage of field expenses once the two ponds were conveyed to the District. Ms. Leo 
confirmed that the two ponds were the last ones that the District acquired. There were wetlands, 
but there was no maintenance cost associated with them other than trimming back the buffer line. 
Ms. Gregory recalled that $50,000 was budgeted by the HOA for invasive species to maintain 
the wetlands. Along with the General Fund Budget, there was a Projected Fund Balance Analysis 
and a budget for the Debt Service Fund, for the bond that was refunded in 2017. There were 
interest and principal payments due in November and May in accordance with the Amortization 
Schedule. Ms. Gregory questioned Landscape Maintenance, if the contingency was for two 
ponds. Ms. Adams explained that Mr. Smith worked with the District’s service providers for 
aquatic maintenance, mowing and midge management to provide estimates for the two ponds, 
which were included in the budget as a contingency. Ms. Gregory stated there would be further 
discussion on this matter when Mr. Scott Clark presented the Acquisition Agreement, but before 
it was finalized, they needed something in writing. Ms. Adams pointed out that insurance costs 
would not change based on the addition of the two ponds. Ms. Gregory stated it either needed to 
be added or marked not applicable. 

 Ms. Adams opened the public comment period. Resident George Muller (Jasmine Creek 
Road) would like any excessive funds to be used to reduce assessments. There being no further 
comments, Ms. Adams closed the public comment period. 

 

On MOTION by Dr. Master seconded by Ms. Skeete with all in 
favor Resolution 2023-02 Adopting the Fiscal Year 2024 Budget 
and Relating to the Annual Appropriations was adopted. 

 

B. Consideration of Resolution 2023-03 Imposing Special Assessments and 
Certifying an Assessment Roll 



Ms. Adams presented Resolution 2023-03, which allowed the District to use the uniform 
tax collection method to impose special assessments on residents’ property Tax Bills. Attached 
to this resolution was the Adopted Budget for Fiscal Year 2024 and Assessment Roll. 

 There were no public comments. 

 

On MOTION by Ms. Gregory seconded by Mr. LaRue with all in 
favor Resolution 2023-03 Imposing Special Assessments and 
Certifying an Assessment Roll was adopted. 

 

On MOTION by Dr. Master seconded by Mr. LaRue with all in 
favor the public hearings for the Fiscal Year 2024 budget adoption 
were closed. 

 

SEVENTH ORDER OF BUSINESS Consideration of Resolution 2023-04 
Appointing an Assistant Treasurer 

 Ms. Adams presented Resolution 2023-04, appointing Mr. Darrin Mossing, Sr. as 
Assistant Treasurer. Mr. Mossing was the owner of GMS and served as an accountant by trade. 
Having him appointed as Assistant Treasurer, would allow him to assist Accounting Staff during 
the busiest times of year to process the District’s financial and banking records. It was being 
recommended to all Districts as an administrative matter. Dr. Master questioned who served as 
Treasurer. Ms. Adams stated that Ms. Jill Burns served as Treasurer and Ms. Katie Costa as 
Assistant Treasurer. All Districts managed by GMS were taking this action in order to operate as 
efficiently as possible. 

 

On MOTION by Dr. Master seconded by Ms. Skeete with all in 
favor Resolution 2023-04 Appointing Mr. Darrin Mossing, Sr. as 
Assistant Secretary of the District was adopted. 

 

EIGHTH ORDER OF BUSINESS Consideration of Resolution 2023-05 Re- 
Designating Bank Account Signatories 

 Ms. Adams presented Resolution 2023-05, appointing the District’s Treasurer, Assistant 
Treasurer and Secretary as signatories on the District’s local bank account. 

 


On MOTION by Mr. LaRue seconded by Dr. Master with all in 
favor Resolution 2023-05 Re-Designating Bank Account 
Signatories as stated above was adopted. 

 

NINTH ORDER OF BUSINESS Consideration of Resolution 2023-06 Approving the 
Conveyance of Tracts P-19A and P-19B 

 Ms. Adams presented Resolution 2023-06, Approving the Conveyance of Tracts P-19A 
and P-19B. Ms. Gregory requested this item be deferred as there were scrivener’s errors in the 
resolution. Solivita was misspelled in two places and Westridge CDD should be Poinciana West 
CDD. Mr. Scott Clark recalled that the Board approved an Acquisition Agreement at the March 
meeting and directed the developer to make a deposit of $15,000 and within 60 days, District 
Counsel and the District Engineer would bring back a recommendation to the Board. The title 
documents for the conveyance and title commitment were in order subject to the delivery of 
documents, affidavits and estoppel letters. Mr. Scott Clark recommended that the Board consider 
the acquisition of the two parcels, which were platted and designed to be owned and maintained 
by the District. 

 Ms. Leo pointed out that Ponds 19A and 19B were on the northeast corner of the District, 
along Cypress Parkway. The District did not own them, but they were well maintained and it was 
in the District’s best interest to take them over. Information was conveyed to the District for the 
master files with the permit information from the South Florida Water Management District 
(SFWMD). In Ms. Leo’s opinion, from an engineering perspective, things were in good working 
order and there were no concerns. At the last meeting, the Board directed Mr. Clark to request a 
contribution of a year’s expenses for the pond maintenance from TM. Yesterday evening their 
counsel responded that they had not heard anything from TM regarding that request. Ms. Leo 
indicated after conveyance, there would be an application with the District conveying the permit 
to the CDD. Ms. Gregory requested this item be deferred until there was a revision to the 
resolution and something in writing from TM regarding the requested $15,000 in maintenance 
fees. Mr. LaRue requested that the agreement be included so that the terms were known. Ms. 
Gregory questioned the expense that was charged to the District for copy charges. Ms. Leo 
explained that there were 89 pages of permits as part of the permit research for the conveyance 
of the parcels. Ms. Gregory requested a change in the acquisition agreement for the estimated 
annual insurance cost, which should either be added or marked not applicable. After further 
discussion, there was Board consensus to defer this matter and for staff to provide a revised 


resolution and a statement in writing from Taylor Morrison regarding the maintenance fees at the 
next available meeting. 

 

TENTH ORDER OF BUSINESS Review of Status of Investment Funds 

 Ms. Adams recalled that this item was included on the agenda at the request of the Board. 
In March, the Board directed staff to utilize the State Board of Administration (SBA) Fund, due 
to the money market earning low interest in 2022. The Board previously adopted Investment 
Guidelines, and the SBA is an intergovernmental investment pool and is one of the four 
authorized investment options. There was currently $500,000 in a Florida Prime SBA account, 
earning interest of 5.33% and approximately $200,000 in a money market account, which was 
adjusted to 4% in 2023. However, there would be another adjustment as the Bank United money 
market interest rate was currently earning 5.15% as of July 13, 2023. Dr. Master recommended 
that a portion of the $500,000 or $200,000 be placed in a competitive CD money market for six 
or 12 months or 18 months. Ms. Gregory wanted to ensure that the District in a good financial 
position and asked if the money market at Bank United that paid 5% was for a specific money 
market. Ms. Adams would confirm it was money market account in a qualified public 
depository. 

 Ms. Gregory voiced concern that funds with Florida Prime were not insured. Dr. Master 
recommended US Treasuries but if Florida Prime was allowed by Statute as an investment, they 
should invest in it to earn more than what the money market account was earning. Ms. Adams 
pointed out that investing in US Treasuries required a custody account because the District was 
unable to directly purchase from the US Treasury but staff did provide a path forward if the 
Board chose to invest in US Treasuries. Ms. Gregory recalled that US Bank wanted $1,500 for 
an annual custody account. Ms. Gregory questioned the portfolio items in the SBA as it included 
a $77 million City Furniture demand note and other demand notes that make up about 10% of the 
portfolio. Dr. Master questioned how Florida Prime is an approved investment institution with 
their portfolio? Mr. Scott Clark explained that the SBA had their own rules and he was 
concerned that there were many overseas banks involved. Mr. LaRue asked if the District voted 
on Florida Prime and was advised the Board did take action or direct staff regarding the SBA 
account. Ms. Adams stated it was not uncommon for CDDs to utilize Florida Prime because it 
was one of the four investment authorized opportunities. Dr. Master recalled that there was a 


way for the District to purchase US Treasuries as a municipal corporation and wanted to speak to 
various banks about it. Ms. Gregory preferred to get a fixed rate on a 12-month CDD. Ms. 
Gregory reiterated she is unhappy with Truist because of fees. Ms. Gregory wanted to do further 
research on products out there. Dr. Maneck wanted to set up a free account with Fidelity. Ms. 
Gregory and Dr. Master did not want to engage a government investment advisor. 

 After further discussion, there was Board consensus to leave the funds in Florida Prime 
and Ms. Adams would work with the Chair regarding CD options. The item would be reviewed 
at the September meeting. 

 

ELEVENTH ORDER OF BUSINESS Staff Reports 

A. Attorney 


 Mr. Scott Clark was looking at other options with Mr. Mossing for the investment of the 
debt service funds, as the monies that the Trustee had in the Debt Service Fund earned .05%. 

 

B. Engineer 
i. Review and Acceptance of Annual Engineer’s Report 





 Ms. Adams reported as part of the Trust Indenture for the 2017 refunded bond, the 
District was required to provide an engineer’s report on the maintenance, insurance and 
budgeting for District assets to the Trustee by July 1st of each year. Ms. Leo explained that the 
Annual Engineer’s Report was self-explanatory and was completed every year. A separate report 
could be provided on field conditions of the stormwater system at a later time. 

 

On MOTION by Ms. Gregory seconded by Mr. LaRue with all in 
favor the Annual Engineer’s Report was accepted. 

 

 Ms. Leo felt that Mr. Smith was taking good care of the District assets. 

 

C. District Manager 
i. Approval of Check Register 


Ms. Adams presented the Check Register for April 1, 2023 through July 7, 2023 totaling 
$113,110.27. It included the register for the General Fund and payroll, as well as detailed 
invoices and a Check Run Summary. Mr. LaRue questioned how the invoice for SOLitude Lake 
Management was itemized. Ms. Adams explained that Mr. Smith reviewed the invoices to ensure 


compliance with the contracted amount. Mr. Smith indicated he is working with SOLitude to 
improve the presentation of the invoices as well as how they report services in general. Mr. 
LaRue asked if a subcontractor was used for mosquito control. Mr. Smith reported that SOLitude 
acquired the Clarke aquatic service portion of the company, but confirmed Clarke continued to 
service the midge management portion of the contract. Mr. LaRue requested that SOLitude 
clarify their invoices. Dr. Master questioned disclosure services. Ms. Adams explained that the 
Amortization Schedule was revised when there was a special call for lump sum payoffs. Ms. 
Gregory questioned the accounts included on the US Bank invoice. Ms. Adams would confirm 
that it related to the trust accounts. Ms. Gregory asked why the general ledger debits for US 
Bank trustee fees were split. Ms. Adams confirmed that the fees covered two different fiscal 
years; 2023 and 2024. Charges for October 2023 through January 2024 would be recognized in 
Fiscal Year 2024. 

 

On MOTION by Dr. Master seconded by Mr. LaRue with all in 
favor the Check Register as stated above was approved. 

 

ii. Balance Sheet and Income Statement 


Ms. Adams presented Unaudited Financials through May 31, 2023. No Board action was 
required. Interest earnings were reported on the Combined Balance Sheet. The money market 
was with Bank United and the General Fund was with Truist. The Board did an excellent job 
controlling expenses and there were no issues to report to the Board. The payments due in May 
occurred for the Debt Service Fund. Ms. Adams noted where the debt service fund interest 
revenue was reported. 

 

iii. Approving the Proposed Fiscal Year 2024 Meeting Dates 


Ms. Adams presented the Fiscal Year 2024 meeting schedule, which was consistent with 
the prior year’s meeting schedule. Meetings would be held on the third Wednesday of every 
other month at 9:00 a.m. in the Starlight Ballroom starting on October 1, 2023 and ending 
September 30, 2024. 

 


On MOTION by Dr. Master seconded by Ms. Gregory with all in 
favor the Fiscal Year 2024 meeting schedule as presented was 
approved. 

 

D. Field Manager’s Report 

Mr. Smith presented the Field Manager’s Report. It was the rainy season and there were 
times when the landscaping company did not able to mow all the way to the edge to preserve the 
bank and diminish further erosion to the pond bank edge when it was wet. Overall, there was 
satisfactory landscaping to the pond banks. Regarding aquatic maintenance, the ponds were well 
maintained. Shorelines looked good and plantings were doing well. There were algae blooms in 
some ponds due to the temperature of the water and nutrients, which were treated along with 
shoreline grasses. The contractor was allowing edge grasses to grow to preserve pond banks and 
decrease nutrient load in the water. Clearing of dry pond bleeder pipes and all action items 
presented at the last meeting were completed. A Conveyance Report for two ponds to be 
conveyed to the District was provided. Overall, the ponds were in good shape. Some algae had to 
be treated. There were also some edge grasses, but nothing of concern. Regarding a question at 
the last meeting on how midge complaints were handled by the HOA, the HOA did not retain a 
complaint log or provide midge services on two ponds owned by the HOA, but during their 
onsite review, there were no major midge issues. 

 

i. Customer Complaint Log 


Mr. Smith presented the Customer Complaint Log. There was one complaint from May 
12 regarding an algae bloom on a pond that was treated. 

 

TWELFTH ORDER OF BUSINESS Supervisor’s Requests 

 There being no comments the next item followed. 

 

THIRTEENTH ORDER OF BUSINESS General Audience Comments 

 There being no comments the next item followed. 

 

FOURTEENTH ORDER OF BUSINESS Other Business 

 There being no comments the next item followed. 


 

FIFTEENTH ORDER OF BUSINESS Next Meeting Date – September 20, 2023 

 The next meeting was scheduled for September 20, 2023 at 9:00 a.m. 

 

SIXTEENTH ORDER OF BUSINESS Adjournment 

 

On MOTION by Dr. Master seconded by Ms. Skeete with all in 
favor the meeting was adjourned at 11:04 a.m. 

 

 

 

 

________________________________ ________________________________ 

Secretary / Assistant Secretary Chairman / Vice Chairman 

 

 


P U B L I C S E C TOR 

Insurance Proposal 

2023/2024 

POINCIANA WEST COMMUNITY DEVELOPMENT DISTRICT 

 


 



Table of Contents 



Overview 1 

The Agency of Brown & Brown, Public Sector 

An Introduction to Your Service Team 

Preferred Governmental Insurance Trust 

Claims Services & Safety and Risk Management Services 



General Liability 2 



Public Officials & Employment Practices Liability 3 



Cyber Liability 4 



Automobile Liability & Physical Damage 5 



Broker Recommendation/Premium Recapitulation 6 

Notes of Importance 

Compensation Disclosures 

Carrier Financial Status 

Guide to Best’s Ratings 



Items Required Prior to Binding 7 





Acceptance of Proposal – Premium Recapitulation 
Preferred Signature Page 




 


Our Story 

The Brown & Brown, Public Sector team is a 
highly-specialized unit of insurance advisors 
100% trained to deliver industry-leading 
services to public entities in the State of Florida. 
Since 1992, we have continuously refined that 
specialization and enhanced our services, while 
becoming the largest public entity brokerage in 
Florida. Our team provides Property & Casualty 
and Employee Benefits services to governments 
from Key West to the Panhandle and represents 
more than 200 clients. 

 

We have built our reputation by empowering 
our governmental clients to outperform their 
industry peers, lower their cost of risk, and 
enhance their insurance programs - all while 
staying within their annual budgetary 
constraints. Our team is committed to serve 
those who serve the public – and provide 
superior service to our clients, their staff, and 
their employees. 

 

• Dedicated service team working exclusively for Florida local governments in all capacities 
surrounding risk and human resources 
• Access to highly experienced public entity resources including Claims Team, Panel Counsel, 
Loss Control, Disaster Planning and Recovery, and Risk Management Specialists. 
• Only retail office in Florida 100% committed to Florida’s public entities 
• Brown & Brown, Public Sector currently represents over 200 of Florida’s governmental 
entities 
o 22 Counties 
o 70 Cities 
o 20 Public Airports 
o 7 Public School Districts 
o State of Florida 



An Introduction to Your Service Team 

 

Account Executives 

Matt Montgomery 

Executive Vice President 

(386) 239-7245 

Matt.Montgomery@bbrown.com 

Robin Russell, ARM-P, CISR, CSRM 

Director of Operations 

(386) 239-4044 

Robin.Russell@bbrown.com 

Paul Dawson, ARM-P 

Senior Vice President / Public Risk Advisor 

(386) 239-4045 

Paul.Dawson@bbrown.com 

Michelle Martin, CIC 

Senior Vice President / Public Risk Advisor 

(386) 239-4047 

Michelle.Martin@bbrown.com 

Kyle Stoekel, ARM-P, CIC 

Public Risk Advisor 

(386) 944-5805 

Kyle.Stoekel@bbrown.com 

Bill Wilson 

 Public Risk Advisor 

(386) 333-6058 

Bill.Wilson@bbrown.com 

Molly Grande, CPCU, ARM, CISR 

 Account Executive 

(386) 333-6084 

Molly.Grande@bbrown.com 

Victoria “Tori” Reedy 

Executive Coordinator 

(386) 239-4043 

Tori.Reedy@bbrown.com 

Service Representatives 

Emily Bailey 

 Public Risk Specialist 

(386) 333-6085 

Emily.Bailey@bbrown.com 

Melody Blake, ACSR 

Senior Public Risk Specialist 

(386) 239-4050 

Melody.Blake@bbrown.com 

Taylor Brodeur 

Public Risk Specialist 

(386) 361-5225 

Taylor.Brodeur@bbrown.com 

Alexa Gray, AIC 

 Public Risk & Claims Specialist 

(386) 333-6068 

Alexa.Gray@bbrown.com 

Schylar Howard 

Public Risk Specialist 

(386) 265-6117 

Schylar.Howard@bbrown.com 

Patricia “Trish” Jenkins, CPSR 

Senior Public Risk Specialist 

(386) 239-4042 

Trish.Jenkins@bbrown.com 

Nicholas “Nick” Van Nostrand 

 Public Risk Specialist 

(321) 214-2377 

Nicholas.VanNostrand@bbrown.com 

Certificate Requests: 179.certificates@bbrown.com 

Claim Reporting: 179.claims@bbrown.com 



 

 

 

Our Service Team philosophy focuses on accountability at all levels of account management. Our goal is 
not simply to meet your service needs, but to exceed them. All the employees at Brown & Brown are 
dedicated to achieving this goal and distinguishing ourselves from the competition. 

 


Preferred Governmental Insurance Trust (Preferred) 

Overview 

 

Several hundred members and millions in premiums prove that the Preferred Governmental Insurance Trust® 
fulfills what Florida needs: an insurance program exclusively customized and dedicated to the public sector. 
Preferred stays on the forefront of specialized insurance for property, casualty and workers’ compensation 
because it is non-profit and self-governed with a membership comprised solely of Florida public entities. 

 

Preferred’s history dates back to 1999. Its robust membership and financial strength, including consistent 
growth of surplus, stem from its conservative platform of managed risk. Preferred is just that: preferred for 
unmatched public entity experience, innovation, stability and personalized service. 

 

 

Preferred’s Member Types 

Municipalities 

Counties 

Special Districts 

Public Schools 

Charter Schools 

Sheriff Departments 

Housing Authorities 

Aviation Authorities 

Transit, Port & Utility Authorities 



 

 

 

Preferred’s Comprehensive Coverages 

Property 

Workers’ Compensation 

General Liability 

Automobile Liability 

Automobile Physical Damage 

Law Enforcement Liability 

Public Officials Liability 

Employment Practices Liability 

Educators’ Legal Liability 



 

 

 

The Power of Groups and People 

What does a specialized insurance trust do for you? In the case of Preferred, it gives you the purchasing power 
of a very large trust with billions of covered property values—far more financial negotiating power than a 
single public entity can muster. As a Preferred member, you are part of a formidable Florida insurance trust. 

 

The trust also transfers risks from any one public entity to the larger group. This provides all members of the 
trust better rating structures with less volatility. Preferred’s sole focus on government ensures that members’ 
unique needs are met. 

 

 


Underwriting and Administration 

Behind Preferred’s underwriting platform are decades of success built on integrity and market relationships. 
Our team of underwriters’ vast insurance expertise enhances the actuarial and scientific data used to 
underwrite individual risks within the trust. Services delivered are both broad and precise. Reliability is 
assured. The administrator for Preferred is Public Risk Underwriters of Florida, Inc.® (PRU), Florida’s premier 
public entity specialist of its kind. Preferred’s claims administrator is PGCS Claim Services. With more than 25 
years in claims experience, PGCS is Florida’s foremost governmental third-party administration company. 

 

 

 

 




PGCS Logo 


Underwriting Highlights 

• Diverse risk financing options: guaranteed cost, deductible, self-insured retention, all lines aggregate 
• Competitive premium discounts based on favorable experience and sound safety practices 
• Flexibility of coverage design, including mono-line or package basis 
• Dynamic financial analysis conducted periodically to validate the trust’s superior financial standing 


 

Administration 

• General counsel, defense counsel and litigation services by specialists in governmental law 
• Membership relations for networking and professional development 
• Legislative Pulse newsletter from Tallahassee-based law firm 
• Professional marketing that guarantees local agent support, governmental knowledge and an evergrowing 
group of members 
• Preferred News—a quarterly publication covering the spectrum of government insurance issues 
• State filing, accounting and independent CPA audited financials as needed 




 

 

Preferred’s Expert Boards Know Your Business 

Preferred is governed and guided by people working daily in all segments of Florida’s public sector – from 
municipalities to counties to schools to special taxing districts. 

 

The Board of Trustees is comprised of elected public officials who work wisely and diligently to set policy, 
keeping Preferred as the premier public entity insurer of its kind. 

 

 


Preferred Claims Administration 

 

Preferred Governmental Claim Solutions, Inc. ® (PGCS) is the premier governmental third-party 
claims administrator in the state of Florida and administers the claims for Preferred Governmental 
Insurance Trust (Preferred). Since its founding in 1956, PGCS has provided claims administration 
services exclusively to over 450 governmental entities including schools, cities, towns, counties, 
community development districts, and fire districts. Therefore, PGCS’s adjusters are extremely 
qualified to handle governmental tort liability and public sector workers’ compensation claims. They 
are experts at investigating and handling police and firefighters presumption claims. PGCS is 
sensitive to the politics involved in the handling of public entity claims. 

 

PGCS’s claims administration program consists of workers’ compensation, general liability, bodily 
injury, personal injury, property, auto liability, auto physical damage, employment practices liability, 
school leaders/educators liability and public officials liability. Their claims staff has over 630 years 
of combined insurance experience and each has been with PGCS an average of 8 years. Claims are 
handled under strict supervision in accordance with the PGCS workers’ compensation and liability 
claim handling procedure manuals and the PGCS claim best practices manual. A random sampling of 
each adjuster’s claim files are audited on a monthly basis by a Quality Assurance Manager to ensure 
compliance. 

 

PGCS provides their clients with a dedicated Subrogation Unit to pursue reimbursements from atfault 
third parties. Their current recovery rate is fifty-nine (59) percent of the claim costs expended. 
PGCS also has a dedicated excess reporting and recovery unit for communication to and securing 
reimbursement from the excess and/or reinsurance carriers. In addition, PGCS provides a stateapproved 
Special Investigation Unit (SIU) to prevent and pursue fraudulent claims. PGCS offers 
rewards up to $10,000.00 for the arrest and conviction of persons committing workers’ 
compensation fraud. This service is provided via a twenty-four hour seven day a week hotline. 

 

PGCS utilizes the RiskMaster system for claims processing. This system captures a wide variety of 
data and allows the adjuster to enter an unlimited number of claim notes, process reserve changes, 
and issue claim payments. Customized reports can be obtained from PGCS’s on-line system 
containing a multitude of data parameters that a client may choose to analyze. The system can be 
accessed by clients via their website at www.pgcs-tpa.com. 

 

Communication with PGCS’s clients is the cornerstone of their claims administration program. 
Professional adjusters, nurses, management, quarterly in-depth claim review meetings, 24/7 claim 
reporting, utilization of attorneys specializing in public entity defense, litigation management, and 
return to work programs are just a sample of how PGCS has set the standard for the industry. 

 

PGCS is committed to partnering with their clients to provide professional and aggressive claim 
management programs. While they are recognized as the leader in the industry, PGCS is always 
striving to improve the quality of their programs and expand the services that they offer. 


Preferred Safety and Risk Management Services 

 

The success of any public sector community is tied to its ability to protect and preserve its human 
physical assets. This basic premise serves as the cornerstone of an effective Safety Management 
program and underscores the importance of Safety and Risk Control to the community. Preferred’s 
Safety and Risk Management Department is very aware of the valuable contribution a comprehensive 
safety and risk control program makes to the bottom-line of any organization. 

 

At Preferred, Safety consultations originate with one basic thought—to recommend specific measures 
to minimize or eliminate the exposures that cause accidents. This does not mean that the workplace 
become no-risk utopias, but we expect our consultants to recommend measures to control and 
minimize all types of accidents, injuries and illnesses to our Preferred members’ operations and 
premises. 

 

Preferred is dedicated to meeting the challenge of the complex issues facing public sector 
organizations Disarming these issues and converting them into solutions which work to the 
advantage of our goal. Preferred’s approach to risk control incorporates the following elements: 

 

• Exposure Identification – Assist management in determining areas where a chance of loss 
might exist through cause trend analysis, work site evaluations, and facility inspections. 


 

• Exposure Measurement and Loss Analysis – Loss analysis and a review of the consequences 
of the exposures will be considered to develop alternative methods of control. 


 

• Determination and Selection of Appropriate Risk Control Methods – Based on 
measurement and analysis, specific recommendations and/or custom designed risk control 
plan will be formulated. OSHA, as well as other Agency Standards will be applied and/or used 
as a “Best Practice” measure when designing and formulating safety and risk control plans. 


 

• Training and Safety Management Consulting – After considering client needs specific 
services and/or training will be formulated and initiated to fit the client’s need. Key Personnel 
or specialty consulting services with the knowledge and skills needed to meet those identified 
needs will be provided. 


 

• Additional Consulting Services Available – Preferred’s Safety & Risk Management has other 
services available that may benefit our clients. These services include security evaluations and 
review of existing safety and risk programs. 


 

Preferred’s Safety and Risk Management Department evaluates the unique needs to each client, 
ultimately designing a program that is capable of being integrated into the overall safety and risk 
control efforts of each client. Preferred’s dedication to the problem-solving approach is the 
foundation of their Safety and Risk Management Service. 


General Liability 

 

Term: October 1, 2023 to October 1, 2024 

 

Company: Preferred Governmental Insurance Trust (Preferred) 

 

Form: Occurrence 

 

Coverage 

Limit 

Deductible 

General Liability 

Bodily Injury and Property Damage, per Occurrence 

$1,000,000 

$0 

Per Occurrence 

Personal Injury and Advertising Injury, per Person/Occurrence 

Included 

Products/Completed Operations, Aggregate 

Included 

Fire Damage, per Occurrence 

Included 

Medical Payments 

$2,500 

Employee Benefits Liability, per Occurrence 

$1,000,000 

Sublimits 

Vicarious Law Enforcement Liability, per Occurrence 

$1,000,000 

Same as General 
Liability 

Principle of Eminent Domain Including Inverse Condemnation, 
“Bert J. Harris, Jr., Private Property Rights Protection Act” per 
Occurrence / Annual Aggregate. 

$100,000 

Sewer Backup and Water Damage: 

 Non-Negligent Claims 

 Negligent Claims. 

 

$10,000/$200,000 

$200,000/$200,000 

Herbicide and Pesticide, per Occurrence 

$1,000,000 



 

Additional Coverages Included: 

1. EMT/Paramedic Professional Services 
2. Premises Operations 
3. “Insured” Contracts 
4. Host Liquor Liability 
5. Broad Form Property Damage Subject to $2,500 Personal Property of Others Sublimit 
6. Watercraft Liability (under 52 feet). See policy form for limitations 
7. Limited Worldwide Coverage 
8. Failure to Supply Water 
9. Communicable Disease (Correctional Facilities and Health Care Facilities - $300,000 Limit) 


 

Notes of Importance: 

1. Premium is not audited. 
2. Defense Costs are paid in addition to policy limits. 
3. In the event an occurrence, accident or offense continues beyond the policy period, the applicable 
deductible would apply separately to each policy period in which the occurrence, accident or offense 
was committed or was alleged to have been committed. 
4. Limits of Liability are subject to Florida Statute 768.28. 
5. Deductible does not apply to claims expense. 



General Liability 

 

Exclusions, include but not limited to: 

• Expected or intended injury 
• Contractual Liability 
• Liquor Liability 
• Workers’ Compensation and similar laws 
• Employer’s Liability 
• Pollution 
• Aircraft, Auto or Watercraft 
• Mobile Equipment 
• War 
• Damage to Your Property, Product or Work 
• Damage to Impaired Property or Property Not Physically Injured 
• Recall of Products, Work or Impaired Property 
• Racketeering 
• Law Enforcement, except for vicarious liability arising out of an act or omission by a law 
enforcement agency that is not owned, operated or controlled by the “Covered party” if there is a 
contract with an outside agency to provide law enforcement for your entity. 
• Asbestos, Mold, Fungi, or Bacteria 
• Liability arising out of or caused or contributed to by any ownership, maintenance, operation, use, 
loading, unloading or control of or responsibility for any airfield, airport, aircraft, runway, hangar, 
building or other property or facility designed for, used, connected, associated or affiliated with 
or in any way related to aviation or aviation activities; this exclusion does not apply to premises 
exposure for those common areas open to the public including but not limited to parking areas, 
sidewalks, and terminal buildings. 
• Failure or inability to supply or any interruption of any adequate quantity of power, steam, 
pressure, or fuel 
• Subsidence, erosion or earth movement. 
• Hospital / Clinic Medical Malpractice or Health Care Facilities 
• Professional Health Care Services, but not including emergency medical services for first aid 
performed by emergency medical technicians, paramedics or Medical Director while in the course 
and scope of their duties. 
• ERISA 
• Actual or alleged illegal discrimination 
• Injunctive, declaratory or equitable relief 
• Actual or alleged deterioration, bursting breaking, leaking, inadequacy, design of, control of, 
maintenance of, or any other alleged resp