2 Insurance broker is an intermediary between you and the insurance market. Because of its legal status, the broker seeks to protect the interests of the client.
3 About the company The company was founded in 2010 in Moscow and up to 2015 was a subsidiary of the Lloyd s broker European Insurance Ltd. (EIRB) being a part of the Austrian insurance holding Vienna Insurance Group (VIG). Member of the international brokerage network Globex International Group Member of the Association of professional insurance brokers (APIB).
4 The company provides services for: Placement of facultative and Treaty contracts. Reinsurance in international markets. Brokerage and consulting services in the field of insurance.
5 Преимущества Advantages of страхования working with a broker INDIVIDUAL APPROACH We will find the insurance solution that's right for you and also advise you on any matter connected with insurance. CHOOSING A RELIABLE INSURER We can help you find one or more reliable insurers to protect your interests, forming the most optimal scope and cost of insurance coverage. MANAGEMENT OF INSURANCE RISK Expenses optimization of insurance protection management and diversification of insurance risk placement in the insurance market. CONTROL OVER CLAIMS SETTLEMENT The main task of the broker is to ensure the full and timely payment from the insurance company.
6 Partners Clients
7 Reinsurers Insurers
8 Our capabilities Professional advice on all matters related to insurance and reinsurance. Professional staff with extensive experience. Partnerships with the leading insurance companies of Russia and CIS countries, reinsurance companies of the London market, continental Europe, Middle East, Africa, Central and South America and Southeast Asia.
9 Our team CATHERINE YUSUPALIEVA The Director of the Department of direct insurance In insurance industry since Worked for Ingosstrakh. SUKHIH VADIM General Director Vadim has almost 20 years experience in the finance industry working for large international and Russian companies with significant experience in Non-Life insurance and reinsurance: KPMG, ACE Ltd, Rosgosstrakh, Ingosstrakh. ANNA STUZAKOVA Director of Department of reinsurance In insurance industry since Worked in companies Alfa insurance, Sogaz, Ugoria, and others.
10 Insurance A wide range of insurance and advisory solutions for both traditional and non-traditional risks
11 Insurance for private clients Motor Insurance Art Jewellery Bloodstock Insurance Private aviation Yachts and ships Real estate
13 Bloodstock Insurance If horses are your passion we will help you to insure horses of various breeds and specialisation. Indemnification of losses caused by death or forced slaughter resulting from accidents, injuries or diseases. Indemnification in case of a loss of sports and/or breeding value of a horse. Protection of horses against possible risks during competitions. Protection for horses undergoing veterinary examination and surgery. Indemnification of losses while horses transportation.
14 Private aviation We will help you insure aircrafts used for both private and business needs. INDEMNIFICATION IN CASE OF: A total loss or damage of the aircraft during flight, taxiing, being on the ground or on water. Bodily injury or material damage caused to the third parties. Bodily injury or death of passengers resulting from an accident during a flight. Loss or damage of luggage and cargo.
15 Yachts and ships Insurance of small sized vessels used for recreation, tourism and amateur sports; including sailing, motor-sailing and motor boats. Additional equipment. Trailers for vessel transportation. Shipowner s third party liability. Collision with other vessels or objects. Bodily injury to third parties. Material damage to third parties. Environmental pollution in case of fuel or other technical liquids spillage. Wreck removal.
16 Real estate Property insurance: apartments, houses, internal fitting, third party liability. Bearing structures, internal fitting and engineering equipment. Personal property. Third party liability.
17 Motor insurance By concluding a contract of insurance to your car, you will minimize the risks associated with the use of a personal car. MOTOR THIRD PARTY LIABILITY INSURANCE This is obligatory insurance for automobile owners. The MTPL policy provides liability coverage in case of bodily injury or material damage to third parties resulting from a car accident. MOTOR HULL INSURANCE Insurance policy will allow you to repair your car or to receive indemnification in case of loss or damage of the car.
18 Insurance for corporate clients Events insurance Financial risks insurance Insurance of construction risks Cargo insurance Property insurance Liability insurance Transport insurance
19 Events insurance The first insurance broker in Russia specialized in the field of music industry and show business. Executive partner in Russia of Robertson Taylor W&P Longreach - international leader in providing insurance brokerage services in the music and concert industry for the past 30 years.
20 Financial risks insurance COMPREHENSIVE INSURANCE FOR FINANCIAL INSTITUTIONS: Bankers Blanket Bond (BBB). Electronic and Computer Crime Insurance. Financial Institutions Liability. Third party Liability. Professional Indemnity. Cyber Risks Insurance. Directors & Officers Liability.
21 Insurance of construction risks You can insure buildings, structures, materials and other property located on the construction site and the contractor's liability for damage caused by his actions to third parties Objects of construction. Construction materials located on construction site. Construction machinery and equipment. Extended Maintenance Coverage. Contractor s Third Party Liability Insurance.
22 Cargo insurance Insurance for owners of cargo transported by various means of transport. OBJECTS OF INSURANCE: Any type of cargo transported by all means of transport worldwide. Expenses associated with transportation. Loss of profit from sale of cargo at the destination.
23 Property insurance Protection of enterprise s property against potential losses resulting from adverse events. OBJECTS OF INSURANCE: Real estate. Equipment and inventory. Stock in warehouse. Business interruption. Loss of rent. Title (ownership rights).
24 Liability insurance Liability insurance protects financial interests of your company in case of damage to third parties and environment resulting from the company s activities. OBJECT OF INSURANCE : Professional Indemnity. Public Liability. Product Liability. Liability of hazardous industrial objects owners. Event Liability. Employer s Liability.
25 Transport insurance for corporate clients Shipowner s Liability Insurance Marine Hull Insurance Aviation Insurance Rolling Stock Insurance Motor Insurance
26 Shipowner s Liability Insurance INSURANCE: Liability to crew members. Liability to third parties except crew members. Liability for collision with other vessels. Liability for damage to fixed and floating objects. Liability for pollution by oil and other substances. Liability for loss of cargo. Costs for loss prevention and reduction, loss survey and legal fees. Charters Liability. Freight, Demurrage and Defence Insurance.
27 Marine Hull Insurance INSURANCE: Total loss of a vessel or repairing costs. Loss resulting from disappearance of a vessel. Losses, costs and contribution to general average. Salvage costs. Prevention and reduction of losses, loss of freight. War risks. Collision Liability.
28 Aviation insurance INSURED RISKS: Total loss or damage of an aircraft during flight, taxiing or being on the ground or water. Mysterious disappearance of an aircraft. Necessary and reasonable expenses for reduction of loss, rescue, protection and transportation of an aircraft to the nearest place of repair.
29 Rolling stock insurance INSURED RISKS: Loss or damage to rolling stock due to any reason. Costs of legal protection in judicial and arbitration courts. Third party liability for bodily injury. Third party liability for material damage. Environmental liability.
30 Motor Insurance We offer special insurance programs for motor fleets. These are comprehensive insurance programs for cars, trucks, buses and special vehicles. Apart from motor hull insurance you can buy voluntary motor third party liability as well as accident & health coverage for passengers.
31 Our services to the clients Preparation of all necessary information to receive a quote from insurance company. Development of tailor made solutions for insurance and reinsurance protection. Conduction of tenders for the best insurance offer. Quick quotation of risks. Optimisation of existing insurance programs and policies. Insurance contracts management.
32 Reinsurance We are placing all types of facultative and treaty reinsurance programs
33 Treaty reinsurance We place both proportional and non-proportional reinsurance treaties for the following lines of business: Agricultural risks. Life insurance and Accident & Health insurance. Motor insurance. Different types of liability insurance. Property and catastrophe risks. Financial Lines. Aviation. Cargo.
34 Facultative reinsurance Property and business interruption. Technical Lines. Personal Accident. Power Generation. Agricultural risks. Liability Insurance. Information Technology. Financial Institutions. Life Insurance. Aviation risks. Cargo insurance. Trade Credit. Marine risks. Motor. Voluntary Medical Insurance.
35 Please feel free to contact our staff for getting professional advise on insurance and reinsurance matters Office 625, 19, Leninskaya Sloboda, Moscow, Russia, , Business Centre «Omega Plaza»
QBE Pleasure Craft Insurance Cruising the water with total peace of mind Introducing QBE Pleasure Craft Insurance For recreational sailors, the sea promises freedom and adventure but also potential risks
BUMBERSHOOT APPLICATION 1. Name of Applicant and all Affiliated Companies, Domestic or Foreign: 2. PO Address: 3. Corporation Partnership Individual 4. COMPANY INFORMATION Years in Name Of Entity Description
Chubb Global Markets Our portfolio Summary of the different lines available Accident and health 7 Environmental risk 17 Aviation 9 Financial institutions 19 Cyber risk 11 International casualty 21 Credit
protect your business with insurance you can trust. Transact Invest Lend Insure Foreign Exchange Merchant Services Cash Benefits Rewards FNB Business, a business unit of First National Bank, a division
Risk & Insurance Alex Rimmer Chief Operating Officer A Member of the Global Alliance Group of Companies Company Background Global Alliance Group was founded in 2001 Represented in 6 Countries Worldwide
Circular P&I 2629/2017 Protection & Indemnity Insurance 2018/2019 Part 2 Explanation of reinsurance and premium structure The Swedish Club provides P&I cover for its members for each and every accident
Marine Excess & Umbrellas September 1, 2015 1 What s In A Name? Follow Form Excess? Marine Umbrella? Bumbershoot? Bumpershoot? 2 Marine Operations Marine Umbrella is predominantly concerned with traditional
Consequences of the new CLNI convention on insurance Nick Williams Manager/Syndicate Claims Director IVR Colloquium Bratislava 7-8 February 2013 Consequences of the new CLNI convention on insurance what
Named Insured: Contact Person for Inspection and Telephone Number: Mailing Address: Year Business Started: Website: Other Named Insureds: bumbershoot insurance APPLICATION Policy Period company information
C O M P A N Y P R O F I L E MUNICH LLOYD INTERNATIONAL BROKERS, pt Jalan Gunung Sahari Raya 60-63, Blok E No. 10, Jakarta Pusat 10610 - Indonesia Tel.: +62 21 4244525 (hunting), Fax: +62 21 4244216 E-mail:
Mining and Mineral Exploration solutions & protection for the mining industry Introduction Axis Managers specializes in structuring bespoke insurance solutions for the Mining and Mineral Exploration Industry.
THE CHARTERED INSURANCE INSTITUTE P91 Diploma in Insurance Unit P91 Aviation and space insurance April 2017 examination Instructions Three hours are allowed for this paper. Do not begin writing until the
PARTICULAR AVERAGE CLAIMS by Dr Nicholas G. Berketis Section 64(1) of the Marine Insurance Act 1906 "Particular Average loss is a partial loss of the subject matter insured caused by a peril insured against,
CPC Ver. 1.0 Alternative Structure for Division 71 C o r r e s p o n d i n g Group Class Subclass Title ISIC SECTION 7 Division 71 FINANCIAL AND RELATED SERVICES; REAL ESTATE SERVICES; AND RENTAL AND LEASING
Workers Compensation Insurance Rating Bureau of California Advisory California Rules for the Recording and Reporting of United States Longshore and Harbor Workers Compensation Act Coverage Published October
Name of Product Pradhan Mantri Fasal Bima Yojna Janata Personal Accident (Group) Janata Personal Accident (Individual) Pradhan Mantri Suraksha Bima Yojana Group Credit Secure Auto shield Business Guard
QBE Asia P&I Providing Fixed Premium P&I for the Region Introducing QBE Asia P&I QBE Asia P&I is a collaboration between QBE Asia and British Marine, providing P&I insurance to small and medium sized commercially
BULLETIN NO. 061 Issued July 15, 2012 Revised June 2017 THE RETAIL SALES TAX ACT INSURANCE This bulletin explains the application of retail sales tax (RST) to certain insurance that relate to Manitoba,
THE NEW SPANISH SHIPPING LAW Rio de Janeiro Maritime and Port Law Conference 26 and 27 August, 2015 The Spanish Law of July 2014 (Ley de Navegación Marítima) came into force on September 25, 2014. It s
Amlin London Introducing our business Continuity in an uncertain world The world has rarely felt less certain, nor has commercial activity seemed so full of risk. Amlin enables companies to concentrate
RISK MANAGEMENT Willow Point discharging logs in Shanghai The purpose of risk management is to ensure that management understands the risks the Group is exposed to and acts to mitigate these risks where
Willis Towers Watson Willis Towers Watson is a leading global advisory, broking and solutions company that helps clients around the world turn risk into a path for growth. We deliver solutions that manage
GENERAL AVIATION AIRPORT LIABILITY APPLICATION This Application does not commit the Insurer to any liability nor make the Applicant liable for any premium unless and until Phoenix Aviation Managers, Inc.,
PROPOSAL FOR A DIRECTIVE OF THE EUROPEAN PARLIAMENT AND COUNCIL ON CIVIL LIABILITY AND FINANCIAL GUARANTEES OF SHIPOWNERS FREQUENTLY ASKED QUESTIONS INTERNATIONAL GROUP OF P&I CLUBS Introduction The thirteen
The Standard Club An introduction to P&I Anna Doumeni Senior Claims Executive Agenda 01 Introduction to the Standard Club 02 What is P&I 03 Claims Statistics 04 Loss Prevention 05 P&I Claims handling 06
1. GENERAL INFORMATION 1. Name of Insured 2. Main Address Main Telephone. Postcode: Email Address Website Address 3. Other addresses/ locations Postcode: Year Established. of Employees Full Time Part Time
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December
02.12 Yacht Insurance Sailing Yachts Motor Yachts Superyachts Why be different Yacht Insurance AMERICAN YACHT FORM R12 (FOR SUPERYACHTS) Underwritten on an All Risks basis Y Yacht Insurance is the trading
Chapter Objectives Understand the various aviation coverages. Study the aircraft hull coverages and understand the methods of providing coverages and the application of deductibles. Understand the methods
ATHENS 2002 PLR EXTENSION CLAUSE 2013 1. Cover 1.1 This entry includes cover for all liabilities incurred by the member pursuant to Athens 2002 PLR for an incident occurring during the policy period but
NZI MARINE PLEASURECRAFT INSURANCE POLICY PAGE 1 CONTENTS INTRODUCTION 3 INSURANCE AGREEMENT 3 SECTION ONE COVER FOR YOUR CRAFT 4 WHAT YOU ARE INSURED FOR 4 ADDITIONAL BENEFITS 4 COVER FOR YOUR CRAFT 6
Insurance Application Insurance for Wildland Firefighting Contractors MAINE McNeil Insurance Services, Inc. P.O. Box 5670 Cortland, New York 13045 Phone (800) 822-3747 Fax: (607) 756-5051 General Information
Introduction to P&I The background, the rules and the wet stuff -Part one- Nordisk Institutt for Sjørett 24.4.2008 Andreas Brachel Gard Background: How did P&I Clubs come about? Insurance history 215 BC
Casualty Actuarial Society Property & Casualty Intro to P&C and CAS BRUIN ACTUARIAL SOCIETY Property & Casualty Insurance Also known as General Insurance Two components: (1) Property and (2) Casualty Property
Aon South Africa Risk and People Solutions Empowering economic and human possibility In an ever-changing world, staying on top of the risks facing your business demands constant attention. A combination
NAIC BLANKS (E) WORKING GROUP Blanks Agenda Item Submission Form CONTACT PERSON: TELEPHONE: EMAIL ADDRESS: ON BEHALF OF: NAME: Justin C. Schrader DATE: 02/28/2017 FOR NAIC USE ONLY Agenda Item # 2017-06BWG
Your Exam Content Outline The following outline describes the content of one of the New Hampshire insurance examinations. The examination will contain questions on the subjects contained in the outline.
Home Auto Business Agricultural Good to know Auto Pak Policy booklet www.sgicanada.ca 1169-2 01/2013 Saskatchewan If You Have an Accident 1. You should take any action needed to save lives. Have someone
Maritime Knowledge Shipping Session 20 th November 2013 Hull and Machinery Insurance By Alex Pinto, Richards Hogg Lindley MARINE CASUALTY ADJUSTING The role of the Average Adjuster LEWIS V. RUCKER 1761
MOTOR TRADE COMBINED KEY FACTS MOTOR TRADE COVER WITH ADDITIONAL PARTS Product Summary This document provides a summary of benefits for the Motor Trade Combined Policy Motor Trade Combined Policy Please
Lloyd s Broker Accreditation Broker Required Documentation - Xchanging Contains details of the Broker Procedure Manual and Test Scenario examples Prepared by: Vicky Hopkin Date: July 2005 Email: email@example.com
The Voluntary, Community and Social Enterprise Sector - an insurance guide for individuals and organisations Contents Foreword Introduction 1. Section 1 - Insurance required by law 1.1 Employers liability
KEY COVERAGES OFFERED BY PILOT QUOTE & BLAIS AVIATION INSURANCE www.blaisaviation.com PHILIP L. BLAIS 713 780-7787 HOUSTON 972 818-4090 DALLAS 1 Commercial aviation as a whole has many different avenues.
NASCO KARAOGLAN FRANCE NKF VALUES WHO ARE WE? NASCO GROUP NASCO FRANCE TREATY DEPARTMENT NASCO FRANCE NK France was founded in 1976 in Paris as a wholly owned subsidiary of Nasco Karaoglan Group. The Company
Introduction The Massachusetts Port Authority (Massport) has elected to provide and administer an Owner Controlled Insurance Program (OCIP) for the Logan Airport Construction Projects. This manual will
Your Exam Content Outline The following outline describes the content of one of the New York insurance examinations. The examination will contain questions on the subjects contained in the outline. The
Demystifying general average and collision liability claims Heather Robinson & Andrew Slade Fellows of the Association of Average Adjusters Workshop agenda General average, and summary of facts Adjustment
Drones Insurance Drones and unmanned aerial systems ( UAS ), are one of the fastest growing areas of the aviation industry. They have implications in virtually every business sector providing a costeffective
Thinking Relocation? Think Santa Fe. PLATINUM LUMP SUM INSURANCE ENROLMENT FORM All Risk Protection Coverage for your household goods, personal effects and automobiles moving by land, sea or air. We make
AIRCRAFT INSURANCE Headings and marginal captions are inserted for the purpose of convenient reference only and are not to be deemed part of this Policy. Certain words and phrases used in this Policy have
Insurances National Certificates of Currency HIGH LEVEL INSURANCE SUMMARY Contract Works Material Damage J Hutchinson Pty Ltd trading as Hutchinson Builders and others as per the policy Including and all
Balance Sheet and Schedules CURRENT ASSET SCHEDULE DOLLAR VALUE CASH AND EQUIVALENTS A $ MARKETABLE EQUITIES B $ ACCOUNTS RECEIVABLE C $ MARKET LIVESTOCK $ PRODUCE OR BY-PRODUCTS $ CROP INVENTORY D $ CROP
MCGOUGH STANDARD INSURANCE REQUIREMENTS B1. Insurance. Prior to commencing any Subcontract Work hereunder, the Subcontractor shall procure, maintain and pay for insurance of the type and with the minimum
Date September 1, 2010 Choice Auto and Home Insurance Program MMC Choice Auto and Home Insurance Program Marsh Global Consumer, an MMC Company formerly known as Marsh Voluntary Benefits, offers you the
Syndicate 1458 Casualty Insurance Syndicate 1458 Casualty Insurance is a leading global provider of property catastrophe and specialty reinsurance, as well as other insurance coverages. Founded in Bermuda
ROYAL MALAYSIAN CUSTOMS GOODS AND SERVICES TAX GUIDE ON INSURANCE AND TAKAFUL Publication Date Published: 2 November 2017. The Guide on Insurance and Takaful revised as at 19 August 2017 is withdrawn and
P O L I C Y N O. 102622 SAM Aero AS AVIATION WORKSHOP AND PRODUCTS LIABILITY INSURANCE Insurance period: 13.07.2016 12.07.2017 (both days included) W. R. Berkley Insurance Norway NUF Henrik Ibsens gt 100
Helvetia Swiss Insurance Company Ltd, St.Gallen Marine Cargo Questionnaire 1. Actual situation 1.1 Policy Holder Name: Street / no.: Postcode / Town: Responsible person for insurance matters: Insured firms
SASKATCHEWAN Personal Lines Automobile Manual Aviva Insurance Company of Canada www.avivacanada.com PRIVATE PASSENGER SPECIAL PROGRAMS Driver assistance that revolves around you SATELLITE PROGRAM Satellite
Allianz Insurance plc Complete Cargo Policy Details (including Policy Summary pages 1-5) Complete Business Policy Details Policy Summary This is a Policy Summary only and does not contain full terms and
MOTOR TRADE COMBINED KEY FACTS MOTOR TRADE COVER WITH ADDITIONAL PARTS Product Summary This document provides a summary of benefits for the Motor Trade Combined Policy Motor Trade Combined Policy Please
BUSINESS MARKET VIEWS TRACK MONDAY, JUNE 12 10:55 A.M. 11:35 A.M. Midstream Supply Chain Responsibilities and Liabilities Terminal operators assume legal liability for customers goods and products while
EXHIBIT V INSURANCE COVERAGE REQUIREMENTS FOR DESIGN-BUILD CONTRACTOR AND O&M CONTRACTOR Section 1 Insurance Coverages Prior to Project Completion Except as set forth below, the Developer will obtain and
nmu.co.uk Belfast Birmingham Dublin Glasgow Leeds Letchworth Liverpool London Maidstone Manchester NMU is an award-winning provider of insurance solutions across a range of product lines. We are the first
PORT AUTHORITY QUESTIONNAIRE 1. NAME & ADDRESS: Please list the name and address of Port Authority, and enclose your latest annual financial report and port handbook. 2. LOCATION(S): Please list the address
C5 Office of the President TO MEMBERS OF THE COMPLIANCE AND AUDIT : For Meeting of DISCUSSION ITEM UPDATE ON RISK SERVICES AND FIAT LUX CAPTIVE INSURANCE COMPANY EXECUTIVE SUMMARY The Office of Risk Services,
COMMERCE HIGHER SECONDARY - FIRST YEAR 8.INSURANCE Short questions 1. Give the meaning of insurance Insurance is based on principles of co-operation. The losses of a few are shared by many. An insurance
I. Compensation and Expenses of Master (Adopted February 17, 1885 - Rescinded October 2, 2002) II. Interest on Allowances in General Average (Adopted April 21, 1885 - Amended October 2, 2002) When allowance,
Insuring Your Quiznos Franchise Table of Contents Quiznos Franchisee...1 The Importance of Insurance...2 Quiznos Insurance Requirements...2 Marsh-Administered Quiznos Insurance Program...4 3 Steps to Obtaining
2017 Russian insurance market survey 2017 KPMG in Russia and the CIS kpmg.ru Introduction Julia Temkina Partner, CIS Head of Insurance Services We are pleased to present you with our eighth annual survey
This is a translation into English of the Swedish original text. In case of discrepancies between this translation and the Swedish text, the Swedish text shall prevail with respect to the meaning and interpretation
Hong Kong Helmsman Blue Pleasure Craft Insurance Policy Please read this Policy carefully upon receipt and promptly request for any necessary amendments. If you require further information about this Policy
International Trade in Services 2017 Guide to Submission of Data and Service codes INDEX INTRODUCTION...3 IMPORTANT CONCEPTS AND DELIMITATIONS...4 RESIDENTS/NON-RESIDENTS...4 VALUATION...4 PERIODICITY...4
PleasureCraft Insurance Policy This seminar will provide: A Company Orientation Client Profile Underwriting Guidelines Coverage Highlights Claims Approach Who are we? Specialty Insurer - Canadian Owned
First Quarter 2017 Results May 17, 2017 Notice to Recipients This presentation is not a prospectus and is not an offer to sell, nor a solicitation of an offer to buy, securities. This presentation contains
Canal Truck Insurance Application Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant
PARI INSURANCE COMPANY Moscow, Russia COMPANY PROFILE PARI INSURANCE COMPANY / since 1992 Leading positions in Russia: Cargo insurance Property insurance Mortgage insurance Authorized capital stock: RUB
AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL I. The TASB Risk Management Fund (Fund) provides coverage as outlined in this Automobile Liability & Physical Damage Coverage Agreement.
REQUEST FOR QUALIFICATIONS/PROPOSALS CHESAPEAKE COLLEGE (RFQ/RFP) INSURANCE BROKER SERVICES FOR PROPERTY AND CASUALTY PROGRAM Submit Sealed Proposals/Qualifications To: Karen Smith Director of Budget and