[{"_1":2,"_111":-5,"_112":-5},"loaderData",{"_3":4,"_26":27},"root",{"_5":6,"_17":10,"_18":19,"_20":21,"_22":10,"_23":-5,"_24":-5,"_25":10},"user",{"_7":8,"_9":10,"_11":10,"_12":-5,"_13":-5,"_14":15,"_16":-5},"roles",[],"isAuthenticated",false,"isPremium","planName","subscriptionStatus","featureFlags",{},"insightsBudget","isDevelopmentHost","userPreferences",{},"recaptchaSiteKey","6LcvOJcUAAAAAHsB-gPGfGktcRlKpH7OTIU_dMTD","isImpersonating","impersonation","affiliateStatus","isFreedomPortal","routes/v2/article/layout",{"_28":29,"_30":31},"notFound",true,"relatedArticles",[32,75,87,99],{"_33":34,"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_55":56,"_57":58,"_59":60,"_61":62,"_63":64,"_65":66,"_67":68,"_69":70,"_71":68,"_72":73,"_74":73},"mediaId",6135358,"mediaKeyId","5673505-9197181f743cfe08aae837f215154848","parentId",5673505,"title","City Hears Presentation From South Dakota Public Assurance Alliance on Coverage, Deductibles and Cyber Risk","audioSeconds",1266,"startMs",364000,"endMs",1630000,"viewUrl","/Search/View?dp=1&key=5673505-9197181f743cfe08aae837f215154848&start=364&end=1630","thumbnailUrl","https://assets.pipeline.soar.com/5673505-9197181f743cfe08aae837f215154848/thumbnail_364000.jpg","articleUrl","/articles/6135358/Beresford/Union-County/South-Dakota/City-Hears-Presentation-From-South-Dakota-Public-Assurance-Alliance-on-Coverage-Deductibles-and-Cyber-Risk","mediaUrl","https://secure.pipeline.soar.com/6135358-a47a8b480fed989bbaea9b7b21b30479/orig.mp4?Expires=1771209895&Signature=DeJe8LlyRiEQKuyt2rV4RZHFZhgaOmyj6qmSta9SAuQpXnOFF5Oz5ByrikiGyM1CVLaKEFNWNHiAdXAvINmSv6zsex0dHjj-SWDlLLJCYetLCwBT~YRilbaP~MBZWlBGTeMfVdVadreDuFm9moYZ6SINybb8hwFd6UNJEQRasSN7hZ-6vLuWIYn8V-ceLeUsJ2fm~o--SK0dwYs~Gf-NcnsSDu66Iymn~SVftDFpGIpUj5VSR~AzPV5axxh2-sPDTJfhouHYEmnSkqE6iEioN8898Vb2UFIP~AEwgyaUWWm9gfFvh1X2ZVe1ikYcF1hYsbJ1olqsXDAG7ECZvuiLCQ__&Key-Pair-Id=KUT5TJCACFTXG","author","City Council of Beresford, South Dakota","date","2025-08-19T19:45:20Z","article","Lynn Brennan, executive director of the South Dakota Public Assurance Alliance, told the Beresford City Council on Aug. of the Alliance's structure, coverage and member services and left a formal quote packet for the city to review. \"We are a pool. We are not commercial insurance,\" Brennan said, explaining that members' contributions fund claims, loss control and risk management services provided to local governments across South Dakota.

Brennan said the Alliance offers blanket property coverage with no coinsurance clause and conducts on-site property appraisals within the first 90 days to five years thereafter; the pool also applies an inflation-guard between appraisals. She said the pool quoted the city a $5,000 per-occurrence deductible for buildings and contents and provided a comparison showing a $1,000 deductible would increase the city's contribution by about $8,600 annually. \"It's about $8,600 more to bring all your buildings and contents down to a thousand dollar deductible,\" Brennan said.

The nut graf: The briefing matters because the city faces recent storm repairs and is shopping renewal options; switching from a commercial carrier to a risk pool would change the city's deductible profile, claims handling and access to pooled services such as law-enforcement training and a government-practices hotline.

Most important details first: Brennan said the Alliance writes liability (including public-officials errors and omissions and employment-related coverages) under a single governmental liability agreement, and auto liability under a separate document. The pool's standard cyber protection is a $500,000 aggregate with a $15,000 deductible; Brennan warned, \"it's not a matter of if you're gonna have a cyber attack, it's a matter of when you will get a cyber attack,\" and she urged use of available education and Secure South Dakota resources. The Alliance also offers an \"enhanced crime\" blanket (covering employees, appointees and elected officials) with a $1,000,000 limit that Brennan said can substitute for a finance officer bond if state statute and local limits allow; the quoted premium for the $1,000,000 crime limit was $67 per year.

Brennan described how large losses are handled: the pool retains a self-funded amount (she cited $1.5 million per occurrence for wind and hail) and purchases reinsurance above that retention; claims are managed locally by Claims Associates and the pool coordinates with reinsurance carriers as needed.

Councilmembers asked whether the city's unique status as an internet-service provider affects cyber coverage; Brennan said not at present and added the pool would consult its carrier if an unusual exposure were identified. Council members also asked how a single $5,000 per-occurrence deductible would apply if many of the city's locations were hit in one event; Brennan said the per-occurrence deductible applies once across all locations for a single catastrophic event and that the blanket limit is the most the pool would pay for a single claim impacting all scheduled properties.

The presentation included outreach and loss-control benefits: law-enforcement training, employment- and government-practices hotlines that can waive employment-practices deductibles if counsel advice is followed, and periodic property valuations. Brennan said the pool serves roughly 500 members, including 64 of 66 counties and 198 of 311 incorporated municipalities.

Council next steps: Brennan left a written quote packet for the council to review and offered to return with detailed numbers; she invited the city to contact the pool's member services staff or Claims Associates with questions.

Ending: The council did not decide on a carrier during the meeting; members asked staff to review the packet and to continue discussions on deductible choices and how the pool's services would fit the city's needs.","mediaType","Video","parentTitle","Beresford, SD Council Meeting 08-18-2025","oneSentenceSummary","Lynn Brennan, executive director of the South Dakota Public Assurance Alliance, told the Beresford City Council on Aug. that the Alliance offers blanket property and liability coverage, a $500,000 aggregate cyber policy, and member services including law-enforcement training and hotlines.","taxTitle","Beresford, Union County, South Dakota","taxId",52520,"location","headline","","shortSummary",{"_33":76,"_35":36,"_37":38,"_39":77,"_41":78,"_43":79,"_45":80,"_47":81,"_49":82,"_51":83,"_53":84,"_55":56,"_57":58,"_59":85,"_61":62,"_63":64,"_65":86,"_67":68,"_69":70,"_71":68,"_72":73,"_74":73},6135343,"Council Moves Tournament Date, Accepts Library Resignation and OKs Job Posting",719,2611000,3330000,"/Search/View?dp=1&key=5673505-9197181f743cfe08aae837f215154848&start=2611&end=3330","https://assets.pipeline.soar.com/5673505-9197181f743cfe08aae837f215154848/thumbnail_2611000.jpg","/articles/6135343/Beresford/Union-County/South-Dakota/Council-Moves-Tournament-Date-Accepts-Library-Resignation-and-OKs-Job-Posting","https://secure.pipeline.soar.com/6135343-e9a9007ba8a4b82c54c0e8ed38e1732f/orig.mp4?Expires=1771209895&Signature=MDoh5PxQiHMga9qnGdSelz8wnFCSApZaXLOANBkQbSE04kOOaQKrzOy2Y9egeJyno7YL65GjHS4z-ArAWXWoG-4u~nbK2I-dF0xkUXiVdASUZcGkD4l790OBu3HQshh8qWRWvf-GQrpOIjiB0oEnV8SMTRWx3TPJKByLCNEz5KoGyLWnKMObhAf-diH~Xc5dxNxXdY9TwDW3IqOqKMsUCxSovFLOZDG-ZVNf~BtxgMXvgoOPvjKNDeoyQzf0swy~fRDHwd7iUc3YVxNJ7TL8Ekx6mOrjwpYOBaFeEtJFyhGHy0pwVR3vaEiQQkwnytTySt3A10hGzbrydComMW9IOA__&Key-Pair-Id=KUT5TJCACFTXG","The Beresford City Council on Aug. approved several operational items: moving the adult charity softball tournament from Sept. 20 to Sept. 21 because of a scheduling conflict; accepting the resignation of library board member Deb Johnson; and authorizing advertising for a part-time librarian position at the Pierceburg Public Library (initially 19 hours/week).

Why it matters: These items affect city-sponsored events, library staffing and park planning. The tournament-date change was made to avoid a conflict; the library resignation triggers immediate recruitment for a part-time hire to maintain library hours.

Details and actions: A motion to move the adult charity softball tournament date carried by voice vote. The council voted to accept Deb Johnson's resignation from the Beresford Public Library and then authorized a part-time librarian advertisement; staff said the position will likely start at 19 hours per week and not include benefits when it begins. The council also briefly discussed playground equipment options for Volunteer Park but tabled that item pending more information from a provider.

Ending: All procedural motions carried by voice vote. Staff will advertise the library position and continue to gather playground proposals to present at a future meeting.","The council moved the adult charity softball tournament by one day, accepted Deb Johnson's resignation from the Beresford Public Library and authorized advertising for a 19-hour-per-week part-time librarian; playground equipment discussion at Volunteer Park was tabled for more information.",{"_33":88,"_35":36,"_37":38,"_39":89,"_41":90,"_43":91,"_45":92,"_47":93,"_49":94,"_51":95,"_53":96,"_55":56,"_57":58,"_59":97,"_61":62,"_63":64,"_65":98,"_67":68,"_69":70,"_71":68,"_72":73,"_74":73},6135348,"Council Discusses Crosswalk Request on East Elm Near Watsonbrook Preschool; DOT Involvement Likely",486,2650000,3136000,"/Search/View?dp=1&key=5673505-9197181f743cfe08aae837f215154848&start=2650&end=3136","https://assets.pipeline.soar.com/5673505-9197181f743cfe08aae837f215154848/thumbnail_2650000.jpg","/articles/6135348/Beresford/Union-County/South-Dakota/Council-Discusses-Crosswalk-Request-on-East-Elm-Near-Watsonbrook-Preschool-DOT-Involvement-Likely","https://secure.pipeline.soar.com/6135348-9068b033cd75e385594ed69a272b97a9/orig.mp4?Expires=1771209895&Signature=ar9PRqd6~kRBwMhvq5anx1LoCbxcHs-Yv-VkRwy~tO5PqXfp1w5C~Qv6yYr3kikfyCxDB4LeL0aI8Vvbf-N3avgWllQ8lL~5W4UHjQR~hnGLHJSUTyscnFXQPJIw5xufPamNjtevohpdjAXwPWGG~tpHCGnzppTjVrQDhppD6g2FRipXfFeOyk9dPvlIVKNsI-Ruo~niP5GV0JlO2IVSqwt8PsbtwL-wIOuZbaEMfUYKJUAMDqd~znfQ~MdQV2vbsWmrdHZBtSijkYVeC2asmuCU1iZ~TcliBldsgVgpmPedBCvS1i-Hg28tHMzBY00h6ZWDtc6GBKeljQINTkFiog__&Key-Pair-Id=KUT5TJCACFTXG","The Beresford City Council discussed a request to place a crosswalk on East Elm between Watsonbrook Preschool and the elementary school and asked staff to consult traffic engineers and state officials about feasibility and cost. Council members said the request aims to improve safety for children and parents who park near the school.

Why it matters: A marked crosswalk and associated signage or flashing beacons could reduce conflicts between drivers and pedestrians at a location used by children but also requires compliance with national standards and, if near a state highway, coordination with the South Dakota Department of Transportation.

Discussion highlights: A council member who had spoken with Pat Carey relayed that a compliant installation may require more than paint, noting signage, potential flashing lights and placement to satisfy national standards for mid-block crossings. The council discussed alternatives including solar-operated push-button lights, hiring an engineering firm (the council mentioned the cost of drawing plans and possible traffic counts) and whether the city or the school district would contribute to costs. One member noted that if a crosswalk is placed mid-block, drivers do not always expect pedestrians, increasing the importance of signage and active warning devices.

The council also noted that portions of U.S. Highway 46 are controlled by the state and that any crossing or device along that corridor would require DOT review and likely traffic studies.

Action and next steps: Council asked staff to: (1) contact the DOT area engineer to understand the process for crossings on Highway 46; (2) ask an engineering partner for a rough cost estimate and potential design for the East Elm location; and (3) determine whether the school district would contribute. No formal vote was taken.

Ending: The council instructed staff to return with cost estimates and DOT feedback for further consideration.","Residents requested a mid-block crosswalk on East Elm between Watsonbrook Preschool and the elementary school. Council discussed signage standards, potential flashing lights and the need to consult the state Department of Transportation for anything on Highway 46.",{"_33":100,"_35":36,"_37":38,"_39":101,"_41":102,"_43":103,"_45":104,"_47":105,"_49":106,"_51":107,"_53":108,"_55":56,"_57":58,"_59":109,"_61":62,"_63":64,"_65":110,"_67":68,"_69":70,"_71":68,"_72":73,"_74":73},6135353,"Council Approves July Financial Report; Storm Cleanup Nears $30,000, Official Says",212,120000,332000,"/Search/View?dp=1&key=5673505-9197181f743cfe08aae837f215154848&start=120&end=332","https://assets.pipeline.soar.com/5673505-9197181f743cfe08aae837f215154848/thumbnail_120000.jpg","/articles/6135353/Beresford/Union-County/South-Dakota/Council-Approves-July-Financial-Report-Storm-Cleanup-Nears-30000-Official-Says","https://secure.pipeline.soar.com/6135353-9e6cb5095fc8a0f20c00144e7f5c0850/orig.mp4?Expires=1771209895&Signature=eD77mSRCj5WGnlDozp9rUwJYH0-MAvh2GkTteCQVTDmbA3~Uc-6qpH5Qt5OTANVoWOZ6MOIRhO~sCw8kgOi1MUd5itNtBXRNbm7Sy~g1DURfpaxqXUVbc-hQ8vNfbCQI5ndNG0TFhpV733YIv9RzKUOt2xGPCF8Ulu8zg7pwq2X0SUk0KdWkNYfs2kFJph7enWdKaVmjOVrXsESMr1u~ShzDvK9NU9knaYR2EalsLw34E3FknhCfDoEhFjfZwJxJeRZFKDn9aiZcoK5j3qMUUx~a4QBzDRP4Ga89Ud~nm0QBcd45C2IbIHy76PvDZhJ3mTxKTJn0QmM4Fbp6RNFOmg__&Key-Pair-Id=KUT5TJCACFTXG","The Beresford City Council approved the city's July financial report and heard staff say storm cleanup expenses were \"just shy of $30,000,\" driven mostly by hauling fallen trees and other post-storm work. \"Right now, we are just shy of $30,000,\" a city staff member said while reviewing July expenditures.

Why it matters: Storm-related cleanup and repair costs influence the city's near-term budget and could require use of a contingency fund or later request for state or federal assistance if additional damage is documented.

The report listed several large July payments: $802,032 to Metro Construction for a housing development; $61,965 to Site Works for the wastewater treatment Sager system; $26,513 to Twight Construction for a concrete pad at a new patio; $14,883 to Merle and Roy for topsoil and grass seed at Volunteer Park; and $5,647 for patio furniture. Staff said one invoice remained outstanding and that storm-related hauling comprised the bulk of the near-$30,000 storm tally.

Council members asked about outstanding balances on the Sager system and whether state or federal disaster support might apply; staff said any state or federal reimbursement process \"would be further down the road\" and that tree removal alone may not qualify for external assistance. The report also noted a single-month uptick in sales tax receipts that moved the year-to-date total back toward historical norms after an earlier shortfall: \"we were down a little bit for the year, about 7% behind what we would normally be,\" a staff member said, adding the large single-month payment likely reflected a delayed large tax remittance or a major equipment sale by a local business.

Action taken: A councilmember moved and seconded approval of the July financial report; the motion carried by voice vote.

Next steps: Staff said they will report storm expenses at the next meeting and recommended the council consider a $30,000 contingency to cover storm-related expenses until all invoices are received and processed.

Ending: The council carried the financial report by voice vote and asked staff to provide follow-up information about outstanding Sager system payments and any potential reimbursement options.","The Beresford City Council approved the July financial report and discussed storm-related cleanup bills approaching $30,000 and a possible $30,000 contingency fund; sales tax receipts showed an unusual single-month spike that brought year-to-date collections back in line.","actionData","errors"]

Article not found

City Hears Presentation From South Dakota Public Assurance Alliance on Coverage, Deductibles and Cyber Risk

Council Moves Tournament Date, Accepts Library Resignation and OKs Job Posting

Council Discusses Crosswalk Request on East Elm Near Watsonbrook Preschool; DOT Involvement Likely

Council Approves July Financial Report; Storm Cleanup Nears $30,000, Official Says