Council selects new municipal insurance program; targeted flood coverage expanded
Broker Gibson proposed a new package that splits property and liability placements, recommends Bliss McNite and Cincinnati carriers, and moves accident/sickness coverage to Provident; council approved the package and authorized buying targeted flood insurance for higher‑risk wastewater buildings.
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Gibson broker David presented a multi‑carrier municipal insurance proposal that he said delivers equal or improved coverage at a modest net change in premium. His plan splits property and liability placements (Cincinnati for property, Bliss McNite for municipal liability), adjusts flood placements to inspect buildings at real flood risk, and moves the town's accident and sickness benefits to Provident with higher limits for first responders.
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