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r Brown & Brown, Inc. Spessard Holland Bldg. Suite 400 8000 Governors Square Blvd. Miami Lakes, FL 33016 -1588 305/364 -7800 • Toll Free 800/432 -8844 FAX 305/822 -5687 INSURANCE November 28, 2000 Mr. Christopher Russo, City Manager City of Sunny Isles Beach 17070 Collins Avenue, Suite 250 Sunny Isles Beach, FL 33160 Re: Group Health Insurance Dear Mr. Russo, I am pleased to provide an Employee Benefit Proposal for the City of Sunny Isles Beach, FL. Brown & Brown Insurance, Inc., is the largest independent insurance agency in the State of Florida and currently the eighth largest in the nation. We are a public company and I am enclosing our 1999 Annual Report for your review. I have been in the insurance industry in South Florida for almost thirty -five years. I owned and operated Dade Underwriters Insurance Agency established in 1950 and previously located in Aventura, FL, providing all forms of insurance coverages and programs to business and individuals throughout South Florida. On January 1, 1997, I merged my agency with Brown & Brown Insurance, Inc., formerly known as Poe & Brown Insurance, Inc., and assumed the title of Executive Vice President. Our office is located at 8000 Governors Square Boulevard, Suite 400, Miami Lakes, FL 33016. The Miami Lakes office of Brown & Brown Insurance, Inc., employs thirty -seven insurance professionals and insures in excess of seven thousand businesses and individuals. We are fully staffed and experienced to provide the very finest employee benefit services to the City of Sunny Isles Beach and its employees. You will find attached to this letter a copy of my insurance licenses with the State of Florida and a selected listing of existing Brown & Brown Insurance, Inc., group health clients. Please feel free to contact any of these references, at your convenience. An important criteria of our proposal is the quality and financial ratings of the insurance carriers. As you can see by the attached Best's Insurance Reports, all of the insurance carriers represented in our proposal have a minimum rating of A- Excellent. I strongly suggest that strict financial criteria be required of all bidding insurance carriers.