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MCIT tells Hubbard County: cyber incidents up, severity down; work‑comp score below peer average
Summary
Richard Mejia of MCIT briefed the Board on the county's risk profile, saying cyber incident frequency rose while severity declined, and reporting Hubbard County's workers' compensation score at 0.974, below the state average.
Richard Mejia, a risk management consultant with MCIT, briefed Hubbard County commissioners on the county’s insurance pool membership, recent program changes and loss trends during the work session.
Mejia said MCIT is a joint powers risk pool formed in 1979 and noted that Hubbard County has been a member for nearly four decades. "We are your risk sharing pool," he told commissioners, explaining MCIT's structure, reinsurance decisions and services such as claims handling, loss control and training.
On cyber exposures, Mejia said incident frequency has increased but overall severity fell in 2024, and MCIT recorded no ransomware claims last year. He attributed the improvement partly to increased education and adoption of preventive services: "These are largely preventable," he said, urging continued training and layered defenses.
Mejia also reviewed actuarial and rate trends: rising replacement values and construction costs are pushing insured property values higher; MCIT recently adjusted retention and reinsurance levels to moderate rate spikes. He told the board Hubbard County’s workers' compensation "score is 0.974," meaning, he said, the county's claims cost less than the peer average.
Other points included higher per‑claim averages in law enforcement and highway operations, ongoing property appraisal impacts from 2023, and the value of prevention programs such as defensive‑driving training and an employee assistance program. He noted MCIT’s Peace Officers Accredited Training and recommended continued engagement with MCIT resources.
Commissioners asked about prosecution of cybercriminals and defensive driving; Mejia cited cryptocurrency’s role in complicating prosecutions and confirmed MCIT partners with the Minnesota Safety Council on driving programs.
