Property and Casualty Insurance Services

The government authority in Louisa, Virginia requires property and casualty insurance services from accredited insurers for a one-year contract.

Insurance company must have an A. M. rating of A+ or better
Proposal must include a complete set of current specimen policies and endorsements for every proposed coverage form
Offeror must be authorized to transact business in Virginia
Proposal must be signed by the authorized representative
All addenda must be acknowledged on the RFP Title Page
Provide a certificate of insurance for all required coverages endorsing the County as an additional insured
Provide a copy of any applicable Federal, State, or Local license required to legally perform the service
Proposals must be submitted as one original hard copy and one electronic copy (CD or flash drive), or electronically through eVA
If proprietary information is included, a redacted electronic copy must also be provided
Property coverage must be 'All Risk' except for specifically excluded causes of loss
Property coverage for earthquake and volcanic action up to full amount of buildings and contents, with 5% deductible per item
Property coverage for flood up to full amount of buildings and contents, with $1,000 deductible
Property coverage for backup of sewers and drains and runoff from surface water
Comprehensive equipment breakdown coverage
Building ordinance coverage for loss of value, demolition, and increased construction cost
Interruption of power off premises coverage with no distance restriction
Valuable papers and records coverage for actual costs incurred during restoration
Accounts receivable coverage for actual costs incurred from a covered loss
Loss of income/extra expense coverage for actual loss sustained during 24 months, including increased time due to ordinance/law enforcement
Sirens and antennas covered as real property at another location if associated with covered premises
Member's residence deductible reimbursement up to $1,000 for damage while responding to emergency
Permanently installed property off premises limit of $125,000
Personal effects coverage for members/employees (full replacement cost) and others ($1,500 per person), primary, no deductible
Arson reward limit of $25,000
Glass coverage for building glass (same perils/limits as real property), deductible waived if loss only involves building glass
Deductible waiver for property, auto physical damage, or portable equipment claims (largest deductible applies)
Commandeered property coverage on full replacement cost basis, including loss of use, no deductible if member property
$2,500,000 newly acquired real property coverage
$500,000 personal property at newly acquired locations coverage
Debris removal coverage for actual incurred expenses
$100,000 pollution remediation for scheduled premises coverage
Personal property off your premises coverage (greater of highest personal property limit of $25,000)
Fine arts coverage ($50,000 owned, $25,000 no appraisal, $1,500 limit per item)
Lock and key replacement limit of $25,000 after theft
Trees, shrubs, plants, and lawns coverage (full replacement cost, no limit per tree)
Unintentional omissions of real property limit of $500,000 per occurrence
Vehicle parts limit of $25,000 for vehicle stock
Computer hardware mechanical breakdown coverage
$250,000 computer virus for software per occurrence
$250,000 computer software per occurrence
Crisis incident response coverage up to $25,000 for crisis management expenses or post-crisis counseling
Crime standard limit $30,000 per occurrence, $250 deductible
Portable equipment coverage for all owned/furnished equipment, $100 deductible, guaranteed replacement cost, no co-insurance
$50,000 coverage for non-owned equipment temporarily in possession
Coverage for owned watercraft up to 100 HP, no length restriction
Coverage for personal watercraft (jet skis, waverunners) owned/furnished, regardless of horsepower
Portable equipment comprehensive coverage including flood, earthquake, contamination
Portable equipment primary coverage for personal effects of members (full replacement cost, no limit, no deductible)
Portable equipment coverage for reproduction expenses of valuable papers/records
Portable equipment coverage for trailers carrying portable equipment
Portable equipment coverage to replace obsolete chargers
Theft of portable equipment by member limit of $5,000 (up to $10,000 per year)
Search and rescue dogs insured for named perils, no deductible, newly acquired up to $10,000 for 30 days
Automobile liability: $1,000,000 combined single limit, $5,000 medical payments, $1,000,000 uninsured/underinsured motorist
Automobile liability minimum coverage for fellow member liability, hired/borrowed auto liability, injury to volunteers, volunteers/employees as insureds using personal vehicles, primary coverage option, bodily injury/property damage from intentional acts to protect life/property, incidental garage liability, garagekeepers legal liability ($50,000 per loss), auto pollution liability, commandeered auto liability (primary)
Automobile physical damage: $250 comprehensive deductible, $250 collision deductible, agreed value on all emergency vehicles
Automobile physical damage deductible waiver (largest deductible applies)
Automobile physical damage: if repair costs exceed 75% of agreed value, paid lesser of new vehicle cost or agreed value
Automobile physical damage: freezing coverage on special equipment
Automobile physical damage: hired/borrowed/commandeered auto physical damage on actual cash value basis ($50 comprehensive, $100 collision deductible)
Automobile physical damage: customized vehicle extension
Automobile physical damage: physical damage reimbursement for member's personal vehicle
Rental reimbursement for member's personally owned vehicles ($30 per day for 30 days, not available in VA)
Towing and labor costs limit $2,500
Rental reimbursement for fire trucks ($250 per day for 40 days)
Temporary substitute vehicles coverage up to $1,000,000
Full glass coverage, no deductible for glass
Additional 25% of loss for incurred costs to comply with latest safety standards
Direct primary coverage for loss to any auto left with insured's garage operation ($50,000 per loss, $250 comprehensive, $500 collision deductible)
Only largest deductible applies for covered autos in a single emergency
General liability limits: $1,000,000 per occurrence, $10,000,000 annual aggregate, $1,000,000 fire damage legal liability, $5,000 medical payments
General liability minimum coverage: defense payments in addition to limits, aggregate limit per location and per named insured, professional health care liability for all employees/volunteers, employees/volunteers as insureds, 'Good Samaritan' liability, bodily injury/property damage from intentional acts to protect life/property, 'Host' liquor liability, liquor liability, fellow member liability, fireworks liability (excess basis), medical director coverage, injury to volunteer coverage (unless covered by Workers' Comp)
Pollution liability from off-premises emergency operations, training, water runoff (not available in VT)
Pollution liability from above ground storage tank (named peril basis)
Owned watercraft liability for boats 100 HP or less
Personal watercraft liability (jet skis, waverunners)
$10,000 Line of Duty Accidental Death Benefit (not available in all states)
Personal and advertising injury coverage
Management liability limits: $1,000,000 each wrongful act, $10,000,000 annual aggregate, no deductible
Management liability minimum coverage: defense payments in addition to limits, liability for monetary damages from acts/errors/omissions, injunctive relief ($50,000 defense expense reimbursement), occurrence or claims made (full prior acts coverage if claims made), insured definition (named insured, officers, directors, commissioners, trustees, employees, volunteers, former employees/volunteers, estates heirs/legal representatives, spouses), employee benefits liability, outside directorship liability, employment related practices liability (no discrimination/harassment exclusion), Fair Labor Standard Act suit defense coverage ($100,000), unintentional release of HIPPA information ($100,000)
Cyber liability: protects against monetary damages from electronic information security event, $100,000 each privacy event, cyber extortion expense ($20,000 each event limit, %.00 deductible), privacy crisis management expense ($50,000 each privacy event/$50,000 aggregate), reimbursement for expenses from privacy crisis management event
Excess liability limits: $5,000,000 each occurrence, $10,000,000 annual aggregate, no self-insured retention
Excess liability minimum coverage: following form pollution liability, excess (follow form) over auto, general, employers, and management liability, unmanned aircraft ($1,000,000 sublimit), aggregate limit per location and per named insured

$100,000 – $500,000

Issue Date: February 24th, 2026

Question Deadline: March 12th, 2026

Formal Clarification Sent: March 19th, 2026

Proposal Submission Deadline: April 2nd, 2026 @ 3:30 p.m. local prevailing time

County Of Louisa, Virginia

Organization overview and procurement intelligence available on paid plans.

A government authority in Louisa, Virginia is seeking vendors to provide property and casualty insurance services on an as-needed basis. All coverage must be arranged through an admitted insurer with an A. M. rating of A+ or better to ensure quality and reliability.

The contract period will be for one year, and interested vendors must submit any questions regarding the RFP no later than March 12, 2026. Services will be utilized as required throughout the contract duration to protect the authority's assets.

Property and Casualty Insurance Services

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