C I T Y O F
RIVERSID E
REQUEST FOR PROPOSALS
FOR PROFESSIONAL SERVICES
Exhibits C, D, & F
RFP#2539
RFP No. 2539
1 Overview
Summary
The City of Riverside (“City”) is seeking a qualified entity or individual (“Company”) to provide Insurance Broker and Risk Consulting Services.
Proposals are requested from Companies that have a demonstrated ability to perform the tasks identified in this Request for Proposal (“RFP”).
Issued By
The City of Riverside
Finance-Purchasing Division
Issued For
Finance Department
3900 Main Street
Riverside, California 92522
Key Dates
Event Date & Time
Questions Due 02/24/2026, Before 2:00pm PST
Proposals Due 03/11/2026, Before 2:00pm PST
The City reserves the right to modify these dates at any time, with appropriate notice to prospective Companies.
Official Contact
Tisha Jacobs, CPPB
[email protected]
All communication with the City related to this RFP must be directed to the contact listed above.
RFP No. 2539
2 Proposer Checklist
Proposers are encouraged to use this table as a checklist to ensure all components are included in their Proposal.
☒ Narrative Proposal Complete Exhibit “C” containing:
• Qualifications and Experience
o Company Information
o Company Personnel
o Subcontractor Confirmation
o Narrative Questions
• Approach and Methodology
• Professional References
• Disclosures
☒ Cost Proposal • Enter the Proposal price(s) in PlanetBids • Create Cost Breakdown
Exhibit “D” – Cost Proposal Details
☒ Other Required Items
for Eligibility
• 5 minimum years experience
• Current license issued by the CA Department of
Insurance.
• Broker (s) must have no prior history of corrective
action with the California Department of
Insurance
ITEMS TO SUBMIT IN PLANETBIDS
☒ Confirm contact information and vendor profile is up to date ☒ Register as a “Prospective Bidder” for this opportunity ☒ Upload completed Narrative Proposal as the Response File ☒ Enter the Proposal price(s)
☒ Upload Cost Proposal Details as the Cost File
☒ Enter required license and registration numbers, if applicable ☒ Enter subcontractors (including license and DIR numbers), if applicable ☒ Addenda acknowledgement, if applicable
AWARD ITEMS | Upon award, Company will be required to submit the following or verify an existing version on file with the City is correct. We encourage you to note these requirements now to expedite processing.
☐ City of Riverside Vendor ID
☐ IRS W-9 Form
☐ City of Riverside Business License
☐ Required Certificates of Insurance
RFP No. 2539
3 Contents
EXHIBIT C - Narrative Proposal ................................................................................................. 4 EXHIBIT D - Cost Proposal Details ........................................................................................... 25 EXHIBIT F - Agreement Exceptions Summary Form ............................................................... 26
RFP No. 2539
4 EXHIBIT C - Narrative Proposal
Qualifications and Experience
COMPANY INFORMATION
Organization
Company Name
Keenan & Associates
Main Office Address
2355 Crenshaw Blvd, Suite 200
Torrance, California 90501
Main Office Phone
Number 800-654-8102
Office Anticipated to
Perform the Work:
Address and Phone
Number (if different
from above)
N/A
Point of Contact
for Proposal
Name
Zack Zukowski
Title
Senior Client Relationship Manager, Team
Leader, Property and Casualty
Email Address
[email protected]
Phone Number
631-275-1922
City of Riverside
Vendor ID
Are you currently
registered as a vendor
with the City with a
Vendor ID?
☒ Yes
☐ No
☐ Unsure
If yes, enter Vendor ID:
What type of enterprise is the organization?
☒ Corporation
☐ Sole Proprietorship
☐ Partnership
☐ Joint Venture
☐ Limited Liability Company
RFP No. 2539
5 ☐ Other
_________________________________
Answer if
Corporation
Date of Incorporation December 2, 1972
State of Incorporation California
Corporate ID Number 95-2798626
President’s Name John Stephens
Answer if
Partnership
Date of Organization
Type of Partnership (if
applicable)
Name(s) of General
Partner(s)
Answer if
Individually
Owned
Date of Organization
Name of Owner
If your organization type is other than those
listed, describe it and name principals.
Licensing &
Certification
Provide your license
number and expiration
date for the following
required licenses or
certifications:
• Current license
issued by the CA
Department of
Insurance.
Copies shall be
submitted as an
appendix.
0451271
List jurisdictions and
trade categories which
your organization is
legally qualified to do
business and indicate
registration or license
numbers, if applicable.
Jurisdiction: California, California Department
of Insurance License No. 0451271
Category: Service/Insurance
RFP No. 2539
6 List any other
certifications held by
your organization, and
the name under which
they are held.
California Department of Insurance License
#0451271
Please identify any litigation, mediation, or
arbitration, regarding the performance of
any services similar to the Scope of Services,
in which the Company has been involved in
the past five years. If the Scope of Services
require a license or certification, the
Proposal shall include any claims or
disciplinary action taken against the
Company or any of Company’s key
personnel within the past five years.
There has been no litigation pending against
Keenan for the past five (5) calendar years, the
adverse outcome of which is anticipated to
have a material adverse effect on Keenan or its
ability to provide services to its clients. Keenan
provides insurance brokerage, third-party
administrator, consulting, and other insurance
related services. In the ordinary course of
business, Keenan has been involved in
administrative proceedings, lawsuits, and
similar claims. Keenan, via our parent
company Arthur J Gallagher & Co., maintains
comprehensive errors and omissions insurance
coverage and timely responds to all claims and
legal actions with a goal to resolve them
properly and swiftly.
If the Company has any supplemental
organization information believed to be
pertinent to the selection process, provide
the information here.
COMPANY PERSONNEL
Complete the tables below for each key personnel included in this Proposal. If you have less personnel than tables, delete or leave blank. If you have more personnel than tables below, copy and add additional tables . Resumes are not needed, but can be submitted as an appendix to the Narrative Proposal if desired.
Key Personnel #1
Contact
Information
Name
Zack Zukowski
Title
Senior Client Relationship Manager, Team
Leader, Property and Casualty
RFP No. 2539
7 Email Address
[email protected]
Phone Number
631-275-1922
How will this individual be involved in this
project? Lead Consultant
Provide any licenses or certifications held by
this individual.
CA License #0K44687
Insurance Designation: Management Liability
Insurance Specialist (MLIS)
Provide a short description of this individual’s
qualifications and experience as relevant to
the Scope of Services described in this RFP.
Zack Zukowski, Senior Client Relationship
Manager, has been consulting with public and
private businesses and agencies for 12 years.
Zack specializes in maintaining client
relations, insurance program design,
analyzing the total cost of risk, and
overseeing day-to-day client service needs.
Zack joined Keenan in the spring of 2023.
Prior to joining the firm, he worked as a
Senior Client Manager with Marsh
McLennan Agency specializing in large
complex commercial accounts in both the
public and private sector. Zack has a robust
insurance background working with private
businesses, as well as labor unions and Taft
Hartley trust funds. Zack also holds a
Management Liability Insurance Specialist
designation which allows him to showcase his
specialized expertise in all aspects of
professional liability insurance including
directors and officers (D&O) liability,
employment practices liability (EPL),
fiduciary liability, and cyber exposures. Zack
studied Risk Management & Insurance at the
State University of New York at Oswego, and
maintains a Property & Casualty Insurance
Brokers license.
RFP No. 2539
8 Key Personnel #2
Contact
Information
Name
Loyola Batiste
Title
Account Executive
Email Address
[email protected]
Phone Number
310-212-0363 ext: 2508
How will this individual be involved in this
project?
Day-to-day account management. Will not be
involved in RFP process.
Provide any licenses or certifications held by
this individual.
CA License #0L90110
Insurance Designations: Certified School
Risk Manager (CSRM), Self-Insured Plans
(SIP)
Provide a short description of this individual’s
qualifications and experience as relevant to
the Scope of Services described in this RFP.
Loyola Batiste joined Keenan in 2014.
Loyola was promoted from a Senior Worker
Compensation Examiner handling school
districts, colleges and municipalities to a Risk
Management Analyst providing professional
Risk Management consulting services to K-
12, community college and municipality
clients. In her current role as an Account
Executive, Loyola understands the total
insurance program, managing a portfolio of
public entity and healthcare accounts. She
advises clients regarding complex risk
management issues and analyzes coverage
forms and policies. She reviews clients'
exposures and loss experience to determine
product and service requirements. Loyola
received her Bachelor of Science in Political
Science from the University of California,
RFP No. 2539
9 Santa Barbara. She holds her self-insurance
certification, Fire & Casualty License, and a
Certified School Risk Manager designation.
Key Personnel #3
Contact
Information
Name
Lisa Valdez
Title
Account Coordinator
Email Address
[email protected]
Phone Number
310-212-0363 ext: 2651
How will this individual be involved in this
project?
Help supports the account management team
on day-to-day client needs. Will not be
involved in RFP process.
Provide any licenses or certifications held by
this individual.
CA License #0F42706
Provide a short description of this individual’s
qualifications and experience as relevant to
the Scope of Services described in this RFP.
Lisa is an experienced Account Coordinator
with more than four years of dedicated
service at Keenan, supporting Property and
Casualty clients with precision,
responsiveness, and a strong service‑oriented
approach. Her background includes
end‑to‑end account servicing, policy
administration, and coordination with carriers
and internal teams to ensure timely and
accurate deliverables.
Key Personnel #4
Contact
Information
Name
Jessica Blushi
RFP No. 2539
10 Title
Vice President, Property and Casualty
Marketing
Email Address
[email protected]
Phone Number
714-335-3534
How will this individual be involved in this
project?
Jessica works directly with insurance carriers
to place the City's Liability and Workers'
Compensation coverage. She also oversees
the placement of the remaining lines of
coverage and account management.
Provide any licenses or certifications held by
this individual.
CA License #0D24145
Insurance Designations: ARM-P, CISR, CCIC
(Cyber Cope Insurance Certification)
Provide a short description of this individual’s
qualifications and experience as relevant to
the Scope of Services described in this RFP.
Jessica Blushi is a seasoned insurance and
risk management professional with 25 years
of experience advising public sector and
commercial clients on comprehensive
Property and Casualty programs. As Vice
President of Property and Casualty, she leads
the development and execution of strategic,
data‑driven insurance solutions that
strengthen financial resilience, streamline
coverage structures, and support long‑term
organizational goals.
Jessica has extensive experience working
with municipal clients, including large cities,
public agencies, and special districts. She has
overseen complex risk assessments, program
placements, renewals, and market
negotiations, ensuring that public sector
entities receive transparent representation,
RFP No. 2539
11 responsive service, and tailored strategies that
reflect their unique operational and budgetary
environments.
Known for her collaborative leadership style,
Jessica excels at translating complex risk
exposures into clear, actionable
recommendations. She manages
cross‑functional teams and carrier
partnerships to ensure consistent service
delivery and proactive support. Her approach
aligns closely with the City of Riverside’s
objectives for a highly engaged, solution-
oriented Broker of Record dedicated to
effective risk management and long‑term
partnership.
Key Personnel #5
Contact
Information
Name
Laura Ochoa
Title
Senior Account Executive, Team Leader,
Property and Casualty Marketing
Email Address
[email protected]
Phone Number
424-551-9133
How will this individual be involved in this
project?
Laura works directly with insurance carriers
to place the City's Aircraft Liability, Airport
Liability, Difference in Conditions, Cyber,
Pollution Liability, and Power Plant Property.
Provide any licenses or certifications held by
this individual.
CA License #0K29421
Insurance Designations: Certified School
Risk Manager (CSRM), Self-Insured Plans
RFP No. 2539
12 (SIP), Workers Compensation Claims
Administration (WCCA)
Provide a short description of this individual’s
qualifications and experience as relevant to
the Scope of Services described in this RFP.
Laura Ochoa serves as a Senior Account
Executive specializing in Property and
Casualty programs for public entities. She
joined Keenan in 2014 as a Risk Management
Analyst. With more than 25 years of
experience in Human Resources and Workers’
Compensation. Laura holds her CSRM,
WCCA, and SIP certifications, as well as her
Property & Casualty license.
In her current role, Laura supports the
Property and Casualty Marketing
Department, focusing on Municipalities,
Health Care organizations, and Ancillary
School clients. She is responsible for
coordinating complex coverage placements,
supporting renewals, and ensuring the
delivery of accurate, timely, and
client‑focused service. Laura reports to
Jessica Blushi and is recognized for her
professionalism, technical expertise, and
strong commitment to meeting the specialized
needs of public entity clients.
SUBCONTRACTOR CONFIRMATION
Does the Proposal include subcontractors? ☐ Yes
☒ No
If yes, enter all subcontractor information for subcontractors exceeding the percentage threshold into PlanetBids. Selecting no and not entering subcontractor information into PlanetBids will be interpreted as the work being self-performed by the Proposer.
RFP No. 2539
13 NARRATIVE QUESTIONS
1. Describe why the Company is qualified to provide the Scope of Services described in this RFP. Provide a general overview of the Company and what sets it apart from competitors.
Keenan & Associates is a California‑headquartered public‑entity specialist with more than 50 years of experience delivering broking, risk consulting, claims advocacy, analytics, and training to cities, counties, utilities, and JPAs across the state. Our differentiation for Riverside is threefold: (1) depth in complex municipal risks (power generation, large infrastructure, and multi‑line programs); (2) market credibility with public‑entity underwriters, built through consistent, technical submissions and year‑round engagement; and (3) integrated in‑house resources (claims, loss control, analytics, contract/risk‑transfer, regulatory support) that let us solve problems quickly without outsourcing.
We have demonstrated outcomes for California cities by restructuring programs to reduce total cost, aligning retentions with loss experience, expanding carrier panels despite a constrained market, and supporting leadership with transparent council‑ready materials. Examples in this proposal show program restructures, premium reductions, and improved underwriting results for cities similar in complexity to Riverside.
2. Describe the experience of the Company and its key personnel relevant to the Scope of Services described in this RFP. Note any projects of similar size and/or scope and outcomes.
Keenan has a long record serving California municipalities with multi‑line property & casualty programs, including infrastructure‑heavy portfolios and critical‑facility exposures. Our team has designed and marketed earthquake/DIC structures, negotiated excess liability and workers’ compensation layers, and supported large property programs with by participating in pre‑renewal inspections and engineering consultations to influence terms before pricing is set.
Representative municipal outcomes:
City of Palm Springs – Reengineered a complex earthquake program to segregate high‑risk locations (e.g., Waste Water Treatment Plant), providing dedicated limits and delivering hundreds of thousands in annual savings; previously reduced Excess Workers’ Compensation costs from $270,000 to $80,000 and subsequently achieved ongoing annual premium savings of ~$500,000 through program refinements.
City of San Mateo – Enhanced the City’s Workers’ Compensation program by transitioning coverage to a carrier better aligned with the City’s long‑term needs, resulting in improved benchmarking capabilities, stronger analytical support, an immediate rate reduction, and multi‑year rate guarantees.
RFP No. 2539
14 Salinas Valley Memorial Healthcare System – Over the past five years, we have reduced the organization’s Workers’ Compensation rates by 22% through strategic market placement and improved program structure. We also strengthened their Cyber liability program by building a more efficient Excess Cyber tower—successfully reducing the number of carriers involved, increasing total limits, and maintaining lower premium levels year over year.
Key personnel assigned to Riverside combine decades of experience in public‑sector broking, analytics, marketing, and day‑to‑day service. The team is led by Zack Zukowski (Senior Client Relationship Manager) with Jessica Blushi (VP, Property & Casualty Marketing) driving market strategy and placements; Loyola Batiste (Account Executive) manages daily service and claims coordination; Laura Ochoa (Sr. Account Executive) focuses on specialty/property lines (Aircraft, Airport, DIC, Cyber, Pollution, Power Plant Property); and Lisa Valdez (Account Coordinator) supports the team’s operational delivery.
3. Demonstrate how the experience of the Company fulfills the minimum years of experience requirement listed as a Minimum Qualification of this RFP.
Founded in 1972, Keenan exceeds the City’s minimum experience requirement by a wide margin.
Over five decades we have built a public‑entity practice that delivers brokerage, risk control, claims advocacy, analytics, and regulatory support using dedicated California‑based teams. This experience is directly aligned to Riverside’s municipal scope and complexity.
RFP No. 2539
15 Approach and Methodology
Proposer shall demonstrate their proposed approach and methodology for executing the Scope of Services in this RFP by answering the following questions. Written responses to the questions should be entered into the white area below the question in the table below. Any appendices provided should be relevant to the questions and referenced in the main narrative below.
1. Describe the Company’s general approach to providing the services and accomplishing all goals of the RFP. Demonstrate your understanding of the Scope of Services.
Keenan’s approach is centered on proactive risk management, cost control, and highly responsive service.
We begin by collaborating with the City to develop a tailored work plan that reflects the City’s operations, loss experience, and insurance program goals. Our process follows four key steps: discovery, analysis, strategic planning, and ongoing support.
Our dedicated Property and Casualty team manages all aspects of the City’s insurance program, including marketing and renewals, claims advocacy, loss control, risk‑transfer support, and exposure management.
We monitor legislative and regulatory changes affecting municipal liability, workers’ compensation, and property programs, ensuring the City receives timely guidance and actionable recommendations.
We establish clear timelines for renewals, stewardship reviews, market engagements, and program evaluations.
Understanding and Delivering the Scope of Services
Keenan’s service model includes:
• Comprehensive Property and Casualty brokerage for property, liability, workers’ compensation, auto, and specialty lines
• Cost‑driver analysis and loss‑trend evaluation with targeted recommendations • Claims advocacy, including large‑loss reviews, reserve monitoring, and coordination with City staff and carriers
• Legislative and regulatory compliance support specific to public entities • Access to our online learning system, Keenan Safe Personnel • Risk‑transfer and contract review assistance
Public Sector Expertise
With decades of experience serving cities, counties, hospitals, and public agencies, Keenan understands municipal operations, procurement requirements, and the unique exposures facing public entities. We regularly participate in committee meetings, provide project management throughout the year, and adjust RFP No. 2539
16 strategies as conditions evolve—ensuring the City receives practical, responsive, and cost‑effective support across all areas of its Property & Casualty program.
2. Describe the Company’s organization and staffing to provide the requested services and meet all requirements of the RFP. Demonstrate the Company’s capacity to successfully undertake this Scope of Services.
Keenan maintains 700+ California‑based employees across nine offices, enabling rapid access to specialists without outsourcing. Riverside’s core team (Client Relationship Manager, Account Executive, Account Coordinator, Marketing/Analytics) is backed by in‑house claims, loss control, analytics, compliance, and contract/risk‑transfer resources. We maintain backup coverage for all roles and an escalation path through the Team Leader and Practice leadership to ensure continuity.
3. Provide a workplan and timeline with key milestones for accomplishing the deliverables and other requirements in the Scope of Services.
We propose the following renewal‑anchored workplan. Dates align with Riverside’s fiscal and market timelines:
December – Internal renewal strategy; draft premium outlook and data‑call checklist to City.
January – Loss run requests to carriers and City; application and exposure updates from City; pre‑renewal planning session with Risk Manager.
Feb–Mar – Underwriting submission to markets (property, liability, WC, specialty); pre‑renewal inspections for high‑value assets (e.g., power plants).
April–May – Quote analyses and coverage comparisons; negotiation memos documenting asks/alternates.
May–June – Proposal presentation (options, pricing, terms, retentions, coverage changes); upon City selection, bind instructions & subjectivities.
June–July – Binders, certificates, and contingency clearances; invoices; implementation plan (endorsements, audits, endorsements tracking).
August–September – Policy audits, endorsement reconciliation, and final policies to City.
Ongoing (Quarterly) –Targeted training/KSP; risk‑transfer reviews; legislative updates; carrier strategy sessions.
4. Describe the Company’s approach to conducting preliminary investigations, due diligence, or research to prepare to provide the Scope of Services.
RFP No. 2539
17 Over the five years that we have served as the City of Riverside’s Property and Casualty Broker, we have become very familiar with the City’s operations and risk tolerance. Our process began with a structured Discovery phase:
• Data Intake – Ten‑year loss runs (detail & summary), current policies/endorsements, SOVs/schedules (property/DIC, fleet & equipment, aircraft), contracts/COI standards, and prior stewardship reports.
• Analytics – Frequency/severity trends, loss triangles, large‑loss forensics, litigation ratio/severity, benchmark comparisons, retention modeling, and valuation reasonableness checks. • Program Review – Coverage gap analysis and side‑by‑side comparisons; wordings review (exclusions/endorsements); claim performance data and claims handling protocols. • Stakeholder Interviews – Risk, Finance, Public Works, Utilities/Power, Police/Fire, and Parks & Rec to capture operational realities and risk‑control priorities.
Deliverable – Diagnostic Report with prioritized recommendations (cost, coverage, process), an Implementation Plan, and a renewal strategy aligned to City goals and Council timelines.
5. Describe how the Company will mitigate or address the risks and challenges described in the Background section of the RFP.
Keenan's Approach to Mitigating Risk and Addressing Identified Challenges Keenan recognizes that the City of Riverside's council-manager form of government requires clarity, transparency, and thoughtful coordination across elected officials, executive leadership, and operational departments. Our approach is designed to support this structure while strengthening the Risk Management Division's ability to effectively administer the City's insurance program.
Supporting Governance and Leadership Alignment
Given the distinct roles of the City Council, City Manager, and Risk Manager, Keenan will provide clear, concise reporting and presentation materials tailored to each audience. We ensure that insurance renewals, coverage strategies, and risk financing recommendations are communicated in a way that supports informed decision-making while aligning with budget priorities and policy direction.
Partnering with Risk Management
We view the Risk Manager as our strategic partner. Keenan will work closely with the City's Risk Management Division to streamline renewal processes, proactively identify coverage gaps, and anticipate market conditions that may impact premiums or program structure. Our team prioritizes responsiveness, preparation, and transparency to reduce administrative burden and support day-to-day operations.
RFP No. 2539
18 Navigating Market and Operational Complexity
For a municipality of the City’s size and service scope, insurance programs must balance fiscal responsibility with adequate protection across diverse departments. Keenan conducts thorough pre-renewal planning, engages carriers early, and leverages strong market relationships to secure competitive terms while protecting the City's risk profile.
Proactive Communication and Executive Support
We understand that insurance decisions may require presentation to executive leadership or Council.
Keenan prepares leadership-ready summaries, financial impact analyses, and strategic options to ensure decision-makers clearly understand risks, trade-offs, and long-term implications.
Long-Term Partnership and Stability
Our goal is to provide continuity, minimize renewal volatility, and help the City anticipate emerging risks.
Through regular check-ins, strategic planning discussions, and collaborative problem solving, we help the City maintain a stable, sustainable insurance program aligned with its governance framework and community responsibilities.
6. Concisely describe how your firm would structure, market, and negotiate the terms and conditions of the City’s insurance program to ensure the City receives the broadest range of high-quality insurance coverage at the best possible cost.
Explain why your approach will yield better results than your competitors.
We follow a disciplined public‑sector marketing model: validate exposures; package a technical submission (loss analysis, exposure information, valuation methodology, risk‑control progress); and approach a full market of viable public‑entity carriers with clear asks and alternates. For Riverside’s critical infrastructure, we engage early in pre‑renewal property inspections with engineers to influence recommendations and underwriting confidence. We convene annual carrier meetings (e.g., Excess Liability, Workers’ Compensation) so City leadership and underwriters align on loss trends and strategic direction.
Our approach outperforms competitors by combining hands‑on consulting, high‑engagement training, carrier‑funded safety investments, and direct underwriter access, which together improve pricing leverage, terms, and stability year over year.
7. Describe your firm’s ability to provide insurance and risk consulting services (e.g. assistance with loss control, coverage decisions, insurance questions, policy interpretations, claim submissions, special event coverage, ongoing trainings with City staff). Add any other relevant information and/or unique services your firm will offer the City that will distinguish you from other Proposers.
RFP No. 2539
19 Integrated Delivery. Keenan provides end‑to‑end municipal support: loss control (onsite/virtual assessments, corrective‑action tracking), coverage and policy interpretation (gap analysis, endorsements/exclusions review, side‑by‑side comparisons), claims support (intake, large‑loss advocacy, reserve monitoring), special event coverage (risk assessments, COIs, fast‑track placements), and ongoing training (department‑specific sessions, toolkits, safety bulletins, compliance updates).
Keenan Safe Personnel (KSP) – Provided at no additional cost. Riverside has 2,749 active profiles and 20,597 course completions (Jan 2023 to present), representing 19% of all municipal KSP completions during this period—evidence of strong cultural adoption. Top City courses include Workplace Violence, Bloodborne Pathogens, Fire Extinguisher Safety, Heat Illness Prevention, and First Aid/CPR/AED. We can target high‑loss departments (e.g., Parks & Recreation, Police Field Operations, Fire Operations) with custom modules.
Carrier‑Funded Risk Control – We have negotiated $25,000 annually (via Safety National) to fund the City’s safety/training priorities, guided by a dedicated carrier Risk Control Manager, converting carrier investment into tangible loss reduction and improved underwriting confidence Why Our Approach Delivers Better Results
1. Utilization that moves the needle: KSP adoption at Riverside shows proven cultural traction.
2. Carrier‑funded risk improvement: The $25K Safety National fund and dedicated risk control manager create continuous, resourced improvement that underwriters reward.
3. Early, technical influence on high‑value assets: Hands‑on involvement in pre‑renewal property inspections (including power plants) improves engineering reports and negotiations before pricing is set.
4. Direct underwriter access: Annual carrier summits foster transparent renewals and more favorable terms.
Keenan combines hands‑on risk consulting, high‑engagement training (KSP), and carrier‑funded safety investments to reduce losses, strengthen underwriting confidence, and secure broader coverage at the most competitive cost—backed by an integrated in‑house team dedicated to public entities.
8. Describe your firm’s ability to assist the City on claim-related issues.
We serve as the City’s claims advocate, ensuring timely reporting, policy interpretation support, reserve adequacy reviews, and regular claim reviews to discuss status, strategy, and next actions. For complex files, we coordinate direct discussions with carrier representatives and provide written recommendations to City leadership. When service issues arise, we escalate and resolve while maintaining productive carrier relationships.
RFP No. 2539
20 9. Describe your firm’s ability to provide valuation services (at the discretion of the City’s need) and maintain an electronic database of the City’s inventory with pertinent asset details and valuation information.
We maintain Riverside’s electronic schedule of values (SOV) a structured, version‑controlled Excel database capturing COPE data, valuation dates/methods, and schedule specifics for property/DIC, aircraft, vehicles, and equipment. Annually we reconcile exposures across departments and verify valuation methodologies with property carriers and engineering teams, especially for critical infrastructure and time‑element values. When formal appraisals are needed, we coordinate qualified third‑party firms and incorporate updates into the SOV . When not required, we apply market‑based inflation factors to maintain defensible values aligned with underwriting expectations. Deliverables include a carrier‑ready SOV , change logs, and supporting documentation.
10. Expand or highlight any resources provided by your brokerage.
KSP learning platform (no‑cost seat licenses; reporting for audits/underwriting).
Carrier‑funded risk control pool ($25,000/yr) with a dedicated Risk Control Manager.
In‑house bench strength (claims, loss control, analytics, contract/risk‑transfer, compliance).
Annual carrier summits for direct underwriter dialogue.
Pre‑renewal inspections/negotiations for critical infrastructure (e.g., power plants) to shape engineering reports and underwriting stance.
Professional References
Proposer shall provide at least three (3) references, within the past five (5) years, of clients for whom services have been performed that are comparable in quality and scope to that specified in this RFP.
REFERENCES
Reference 1
Organization Name
City of Palm Springs
Address
3200 E Tahquitz Canyon Way, Palm Springs,
CA 92262
Contact Name Jeremy Hammond
Email Address
[email protected]
RFP No. 2539
21 Phone Number
760-323-8218
Explanation of Services
Provided Brokerage services for City’s full portfolio of Property and Casualty Insurance.
Risk management and loss control consulting.
Liability claims administration.
Project Start and End Dates May 2007 to current
Reference 2
Organization Name
City of Maywood
Address
460 N Euclid Ave, Upland, CA 91786
Contact Name Jennifer Vasquez
Email Address [email protected]
Phone Number 323-562-5700
Explanation of Services
Provided Brokerage services for City’s full portfolio of Property and Casualty Insurance.
Risk management consulting.
Project Start and End Dates February 2021 to current
Reference 3
Organization Name
City of Industry
Address
5220 Santa Ana St, Cudahy, CA 90201
Contact Name Kathy Tai
Email Address [email protected]
Phone Number 626-333-2211
RFP No. 2539
22 Explanation of Services
Provided Brokerage services for City’s full portfolio of Property and Casualty Insurance.
Risk management consulting.
Liability claims administration.
Project Start and End Dates May 2016 to current
RFP No. 2539
23 Disclosures
Proposer shall submit a completed Disclosure Questionnaire. Please disclose any and all past or current business and personal relationships with any current Riverside elected official, appointed official, City employee, or family member of any current Riverside elected official, appointed official, or City employee. Any past or current business relationship may not disqualify the firm from consideration. Disclose any administrative proceedings, claims, lawsuits, or other exposures pending against the Proposer.
DISCLOSURE QUESTIONNAIRE
1 Has the Company, any officer of the
Company, or any employee of the
Company who has proprietary
interest in the Company, ever been
disqualified, removed, or otherwise
prevented from bidding on, or
completing a federal, state, or local
government project because of a
violation of law or safety regulation?
☐ Yes
☒ No
If the answer is yes, explain the
circumstances:
2 Has the Company, any officer of the
Company, or any employee of the
Company who has proprietary
interest in the Company, ever had
any administrative proceedings,
claims, lawsuits, or other exposures
pending against the Company?
☐ Yes
☒ No
If the answer is yes, explain the
circumstances:
3 Has the Company, any officer of
the Company, or any employee of
the Company who has proprietary
interest in the Company, filed for
bankruptcy under any business
name over the past five (5) years?
☐ Yes
☒ No
If the answer is yes, explain the
circumstances:
4 Has the Company, or any officer of
the Company, or any employee of
the Company who has proprietary
interest in the Company, have any
past or current business and personal
☐ Yes
RFP No. 2539
24 relationships with any current City of
Riverside elected official, appointed
official, City employee or family
member of any current City of
Riverside elected official, appointed
official or City employee?
☒ No
If the answer is yes, explain the
circumstances:
5 Has the Company, or any officer of
the Company, or any employee of
the Company who has proprietary
interest in the Company, had a
contract terminated for default of
cause?
☐ Yes
☒ No
If the answer is yes, explain the
circumstances:
6 Has the Company, or any officer of
the Company, or any employee of
the Company who has proprietary
interest in the Company, been
assessed any penalties, including
liquidated damages, under any of its
existing or past contracts with any
organization of governmental entity?
☐ Yes
☒ No
If the answer is yes, explain the
circumstances:
7 Has the Company, or any officer of
the Company, or any employee of
the Company who has proprietary
interest in the Company, been
convicted of a felony or is currently
under indictment on any felony
charge?
☐ Yes
☒ No
If the answer is yes, explain the
circumstances:
RFP No. 2539
26 EXHIBIT F - Agreement Exceptions Summary Form
List and clearly explain any proposed exceptions, including any requested modifications, to the Sample Agreement in the table below. The City does not guarantee any proposed exceptions will be accepted. No exceptions to the insurance or indemnification terms of the Agreement will be accepted.
The City Agreement
Reference
Brief Explanation of
Exception/Modification
The City
Acceptance
(Reference specific outline
point to which exception is
taken)
(Short description of exception/
modification being made)
(City to sign here only
if accepted)
1. Exhibit B, insurance
requirements
Keenan confirms it maintains the
insurance coverages ; however
we provide clarifications in the
narrative after this chart.
2. 3.
4. 5.
Keenan submits this clarification around the Exhibit B, insurance requirements. Keenan maintains the coverages and limits identified in Exhibit B and has excess/umbrella policies in addition to those coverages to ensure that Keenan has adequate coverages for the services it provides. Keenan can also agree to name the City as an additional insured on its CGL policy and agrees the CGL policy shall be primary and non-contributory. The other coverages are not RFP No. 2539
27 endorsed to allow for primary, non-contributory coverage. Keenan can also grant the City a waiver of subrogation on its coverages, with the exception of the professional liability policy which does not provide for a waiver of subrogation. In order to address any concerns the City may have, we are happy to include language in the final contract with similar effect to a waiver of subrogation.
For the Notice of Cancellation, the CGL policy has the required language providing notice of cancellation. For the remaining policies, Keenan can agree to provide that notice directly.
Keenan is a wholly owned subsidiary of Arthur J. Gallagher & Co, with sufficient resources to pay losses and related expenses for all retention amounts. The insurance policies are held with the parent company and apply to operations of all subsidiaries, including Keenan. We can provide the City with certificates of insurance and endorsements to demonstrate coverage levels but we are unable to provide copies of full policies as they contain confidential business information. If the City has any questions about the insurance coverages, we are happy to provide additional information.