Specifications include, but are not limited to: Providing a Risk Management and Exposure Analysis, and a policy/coverage review with recommendations. This includes updating all appropriate locations, property, auto and equipment schedules . THE CITY OF YORK is interested in an appraisal and insurance to value service component. b. Reviewing THE CITY OF YORK’s current internal organizational structure and administrative expenses as it relates to risk management, safety and insurance, and making recommendations for restructuring, if appropriate. c. Assisting THE CITY OF YORK in developing creative strategies to enhance existing insurance programs, and to identify future alternatives and options, in order to lower THE CITY OF YORK's Total Cost of Risk. d. Preparing all applications, marketing and negotiating all premiums, coverage conditions and terms, deductibles/retentions, payment terms, claims-handling fees, and where applicable collateral requirements.