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<p class="MsoNormal"><span style="color:#1F497D">For those of you who called in for the Insurance and Surety Committee’s presentation on Friday, please see below and attached. Also attached is the most recent issue of
<b><i>Insurance Matters!</i></b> and the brochure for the ISC’s upcoming Fundamentals of Insurance speaker series.
<b> </b><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal" style="mso-margin-top-alt:1.0pt;margin-right:0in;margin-bottom:1.0pt;margin-left:0in;text-autospace:none">
<b><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#1F497D">Scott P. Pence | Carlton Fields</span></b><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D"><o:p></o:p></span></b></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">Board Certified in Construction Law by The Florida Bar<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">Direct: 813.229.4322 | Fax: 813.229.4133<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">4221 W. Boy Scout Blvd., Ste. 1000<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">Tampa, Florida 33607-5780
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:black"><a href="http://www.cfjblaw.com/spence/">bio</a> |
<a href="http://www.cfjblaw.com/FCWSite/Features/_Attorneys/vCard.aspx?attorney=7">
vcard</a> | <a href="http://www.linkedin.com/in/pencescott">linkedin</a></span><span style="color:#1F497D"><o:p></o:p></span></p>
</div>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<div>
<div style="border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif""> liability_insurance-bounces@lists.flabarrpptl.org [mailto:liability_insurance-bounces@lists.flabarrpptl.org]
<b>On Behalf Of </b>Pence, Scott<br>
<b>Sent:</b> Sunday, December 10, 2017 1:17 PM<br>
<b>To:</b> liability_insurance@lists.flabarrpptl.org<br>
<b>Subject:</b> [Liability Insurance] Insurance and Surety Committee<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="color:#1F497D">Folks,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">I hope you are having a good weekend and enjoying this cooler weather.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">Please see below and attached from
<b>Steven Goodfellow</b>, who spoke to us Friday on “<b>The Most Dangerous and Common Insurance Coverage Mistakes</b>”. I’m also reattaching Mr. Goodfellow’s bio in case you want to reach out to him with any questions.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">I’m also attaching the most recent issue of
<b><i>Insurance Matters!</i></b> which, among other things, contains a very good article by our own
<b>Claramargaret Groover</b> on the <b>Recent Changes to AIA Standard Form Construction Insurance Provisions</b>.<o:p></o:p></span></p>
<p class="MsoNormal"><i><span style="color:#1F497D"><o:p> </o:p></span></i></p>
<p class="MsoNormal" style="page-break-after:avoid;text-autospace:none"><span style="color:#1F497D">Finally, just a quick reminder that we will have one more meeting in 2017, on
<b>December 18<sup>th</sup></b>, which will be the first of our 6-part “<b>Fundamentals of Insurance</b>” speaker series where
<b>Cary Wright</b> will present <b>An Overview and Discussion of Commercial General Liability Insurance</b>. Attached is the brochure for that speaker series. I will send a final reminder along with materials for the December 18<sup>th</sup> presentation
prior to that meeting.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">Regards,<br>
Scott<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal" style="mso-margin-top-alt:1.0pt;margin-right:0in;margin-bottom:1.0pt;margin-left:0in;text-autospace:none">
<b><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#1F497D">Scott P. Pence | Carlton Fields</span></b><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D"><o:p></o:p></span></b></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">Board Certified in Construction Law by The Florida Bar<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">Direct: 813.229.4322 | Fax: 813.229.4133<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">4221 W. Boy Scout Blvd., Ste. 1000<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">Tampa, Florida 33607-5780
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:black"><a href="http://www.cfjblaw.com/spence/">bio</a> |
<a href="http://www.cfjblaw.com/FCWSite/Features/_Attorneys/vCard.aspx?attorney=7">
vcard</a> | <a href="http://www.linkedin.com/in/pencescott">linkedin</a></span><span style="color:#1F497D"><o:p></o:p></span></p>
</div>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<div>
<div style="border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif""> Steve Goodfellow (BIRM) [<a href="mailto:steve.goodfellow@ioausa.com">mailto:steve.goodfellow@ioausa.com</a>]
<br>
<b>Sent:</b> Saturday, December 09, 2017 5:42 PM<br>
<b>To:</b> Pence, Scott<br>
<b>Subject:</b> Power Point - Devastating Claims<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-family:"Comic Sans MS";color:#002060">Scott,</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Comic Sans MS";color:#002060"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Comic Sans MS";color:#002060">I thoroughly enjoyed being with you and your committee. I am attaching the Power Point with a few comments/take-aways from each subject.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Comic Sans MS";color:#002060"> </span><o:p></o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo2"><![if !supportLists]><span style="mso-list:Ignore">1.)<span style="font:7.0pt "Times New Roman"">
</span></span><![endif]><span style="font-family:"Comic Sans MS";color:#002060"> <u>Sexual Harassment</u>: Purchase Employment Practices Liability including
<b>Third Party Discrimination and Sexual Harassment!. </b> Actually, the better buy is Directors and Officers Liability including this coverage, even for smaller, privately held companies;</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-family:"Comic Sans MS";color:#002060"> </span><o:p></o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo2"><![if !supportLists]><span style="mso-list:Ignore">2.)<span style="font:7.0pt "Times New Roman"">
</span></span><![endif]><u><span style="font-family:"Comic Sans MS";color:#002060">Family Ties:</span></u><b><span style="font-family:"Comic Sans MS";color:#002060">
</span></b><span style="font-family:"Comic Sans MS";color:#002060">Reinforcing the need for Private Directors and Officers as indicated above;</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-family:"Comic Sans MS";color:#002060"> </span><o:p></o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo2"><![if !supportLists]><span style="mso-list:Ignore">3.)<span style="font:7.0pt "Times New Roman"">
</span></span><![endif]><u><span style="font-family:"Comic Sans MS";color:#002060">The 39 Year Old Claim</span></u><span style="font-family:"Comic Sans MS";color:#002060">: This case emphasized the need to seek coverage even if the policy is long expired.
However, once again, Private Directors and Officers coverage <i>may</i> have responded if coverage was not perfected. Also, environmental impairment liability would respond if purchased prior to the sale of the property;;</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-family:"Comic Sans MS";color:#002060"> </span><o:p></o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo2"><![if !supportLists]><span style="mso-list:Ignore">4.)<span style="font:7.0pt "Times New Roman"">
</span></span><![endif]><u><span style="font-family:"Comic Sans MS";color:#002060">Company Owned Autos</span></u><span style="font-family:"Comic Sans MS";color:#002060">: Very common problem when owners choose to have their company buy the insurance n the
family autos. Must add Broad Form Drive Other Car Coverage and <b>name every single family member of driving age by name and insure for liability and physical damage.</b></span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-family:"Comic Sans MS";color:#002060"> </span><o:p></o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo2"><![if !supportLists]><span style="mso-list:Ignore">5.)<span style="font:7.0pt "Times New Roman"">
</span></span><![endif]><u><span style="font-family:"Comic Sans MS";color:#002060">Preparation (H)urricane</span></u><span style="font-family:"Comic Sans MS";color:#002060">; We didn’t get to this one, but the point of the discussion is to prioritize the wind
and hail coverage purchasing decisions when Named Storms are an issue, such as in Florida;</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-family:"Comic Sans MS";color:#002060"> </span><o:p></o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo2"><![if !supportLists]><span style="mso-list:Ignore">6.)<span style="font:7.0pt "Times New Roman"">
</span></span><![endif]><u><span style="font-family:"Comic Sans MS";color:#002060">Unemployed Employees:
</span></u><span style="font-family:"Comic Sans MS";color:#002060">Many companies today using payroll services (there are many) such as ADT that provide not only payroll services, but act as a Preferred Employer Organization (PEO). By contract, every employee
of the client becomes an employee of the PEO for the purposes of buying worker’s comp and benefits. In this situation, the client
<b>MUST by an “if any” worker’s comp policy</b> in its own name to cover those uninsured persons and events such as the case described.</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-family:"Comic Sans MS";color:#002060"> </span><o:p></o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo2"><![if !supportLists]><span style="mso-list:Ignore">7.)<span style="font:7.0pt "Times New Roman"">
</span></span><![endif]><u><span style="font-family:"Comic Sans MS";color:#002060">Privacy Breach:
</span></u><span style="font-family:"Comic Sans MS";color:#002060">explains all of the coverages that are easily packaged to protect your clients against hackers and cyber extortionists;</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-family:"Comic Sans MS";color:#002060"> </span><o:p></o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo2"><![if !supportLists]><span style="mso-list:Ignore">8.)<span style="font:7.0pt "Times New Roman"">
</span></span><![endif]><u><span style="font-family:"Comic Sans MS";color:#002060">SCO hires LMC (Shopping Center Owner hires Larry, Moe and Curly):
</span></u><span style="font-family:"Comic Sans MS";color:#002060">We didn’t get to this one, but the moral of the story is that the best coverage available for the owner/developer is a Construction Wrap, but if too small, then require the contractor to provide
<b>Owner’s and Contractors Protective</b> <b>coverage</b>.</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-family:"Comic Sans MS";color:#002060"> </span><o:p></o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo2"><![if !supportLists]><span style="mso-list:Ignore">9.)<span style="font:7.0pt "Times New Roman"">
</span></span><![endif]><u><span style="font-family:"Comic Sans MS";color:#002060">Miscellaneous Topics</span></u><span style="font-family:"Comic Sans MS";color:#002060">; These are three topics that I feel would be of vital interest to your committee, two
of which would be very intriguing to the trusts and estates committee:</span><o:p></o:p></p>
<p class="MsoListParagraph" style="margin-left:1.5in;text-indent:-.25in;mso-list:l1 level1 lfo4">
<![if !supportLists]><span style="mso-list:Ignore">a.<span style="font:7.0pt "Times New Roman"">
</span></span><![endif]><u><span style="font-family:"Comic Sans MS";color:#002060">Terrorism</span></u><span style="font-family:"Comic Sans MS";color:#002060">: TRIA, the government program, has not paid 1 cent since its origin following 9/11/2001. It’s a
terrible buy. Rather, buy <b>coverage that includes domestic terrorism</b> with an easily defined trigger. A few programs, one of which is exceptional. About the same price as TRIA;</span><o:p></o:p></p>
<p class="MsoListParagraph" style="margin-left:1.5in;text-indent:-.25in;mso-list:l1 level1 lfo4">
<![if !supportLists]><span style="mso-list:Ignore">b.<span style="font:7.0pt "Times New Roman"">
</span></span><![endif]><u><span style="font-family:"Comic Sans MS";color:#002060">Lifestyle Investment</span></u><span style="font-family:"Comic Sans MS";color:#002060">: IOA recently bought a company that has designed an extraordinary program for helping
High Net Worth individuals </span><o:p></o:p></p>
<p class="MsoListParagraph" style="margin-left:1.5in"><span style="font-family:"Comic Sans MS";color:#002060">create wealth and retirement income through leverage and reduce the cost of insurance. Our Chairman used this service and was so impressed that we
bought the company. The 3<sup>rd</sup> example shows how it works and still provides a 19.43% internal rate of return. This example assumes the insured is age 50 and dies at 89 after taking $1,100,000 annual income from age 66 to death. Premium was only
$90,000 per year for 15 years plus significant borrowing. The policy itself pays off all loans and interest at the end of the 15<sup>th</sup> year;</span><o:p></o:p></p>
<p class="MsoListParagraph" style="margin-left:1.5in;text-indent:-.25in;mso-list:l1 level1 lfo4">
<![if !supportLists]><span style="mso-list:Ignore">c.<span style="font:7.0pt "Times New Roman"">
</span></span><![endif]><u><span style="font-family:"Comic Sans MS";color:#002060">Retirement Through Insurance Waivers;</span></u><span style="font-family:"Comic Sans MS";color:#002060"> IOA presents a
<b>captive program for apartment Owners</b>. By attaching a page to the lease, the Owner permits tenants to waive the requirement to provide $100,000 liability insurance for $11 per month. $7.00 per month goes into the</span><o:p></o:p></p>
<p class="MsoListParagraph" style="margin-left:1.5in"><span style="font-family:"Comic Sans MS";color:#002060">owners mini-captive tax free, which can be owned personally. Example is 5,000 units, 85% participate (typical) producing $6,000,000 plus investment
income for Owner after 20 years.</span><o:p></o:p></p>
<p class="MsoListParagraph" style="margin-left:1.5in"><span style="font-family:"Comic Sans MS";color:#002060"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Comic Sans MS";color:#0000A0">Scott, I welcome discussions if anyone wishes to call or email: 404-271-3006 (Atlanta cell, but live in Orlando area);
<a href="mailto:Steve.goodfellow@ioausa.com">Steve.goodfellow@ioausa.com</a>.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Comic Sans MS";color:#0000A0"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Comic Sans MS";color:#0000A0">With kindest regards,</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:26.0pt;font-family:"Monotype Corsiva";color:#0000A0">Steve</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Comic Sans MS";color:navy">Steve C. Goodfellow Ph.D., CPCU</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Comic Sans MS";color:navy">Vice President, National Accounts</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Comic Sans MS";color:navy">Winter Garden, FL 34787</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Comic Sans MS";color:navy">404-271-3006</span><o:p></o:p></p>
<p class="MsoNormal"><span style="color:#002060"><img border="0" width="467" height="255" id="Picture_x0020_1" src="cid:image002.jpg@01D37114.D0CDA8E0"></span><o:p></o:p></p>
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