Specifications include, but are not limited to: INVITATION FOR BIDS COMMERCIAL AUTOMOBILE LIABILITY INSURANCE (OWNED AND NON-OWNED) SCHENECTADY MUNICIPAL HOUSING AUTHORITY (SMHA) (SOLICITATION NO: 2014-03) SMHA will receive sealed bids for Commercial Au- tomobile Liability Insur- ance (Owned and Non-Owned). Coverage is ef- fective December 1, 2014. Bids will be accepted un- til November 10, 2014, at 2:00 pm, at which time all bids will be publicly opened and read aloud. The intent of this Invita- tion for Bids is to award a contract to a responsible and responsive bidder whose bid, conforming to all the material terms and conditions of the In- vitation for Bids, is the lowest price. Bid packets may be ob- tained beginning Octo- ber 17, 2014, at SMHA's principal office, 375 Broadway, Schenectady, NY 12305, 2nd floor admi- nistration office, during normal business hours of 8:00am to 12:00pm & 1:00pm to 4:00pm, Mon- day through Friday, ex- cept holidays, or from SMHA's website: http://www.smha1.org/SMHA reserves the right to cancel this solicitation before offers are due and reject bids already re- ceived, and reject any and all bids after the ac- ceptance deadline has expired, and to waive any formalities in bidding. SMHA is an Equal Oppor- tunity Employer and urges Minority and Wom- en-Owned Business En- terprises and Section 3 Business Concerns to participate. Contact: Richard Homenick, Executive Director,richardh@smha1.org"richardh@smha1.org10-17,19 6105