CTSI review: Gilpin County saw modest claims in 2024, received distribution from pool

County insurance pool representative Dana Foley delivered a five-year loss analysis and year-end summary to Gilpin County commissioners, showing relatively low claim activity and a distribution back to the county from pooled reserves.

Key findings: Foley told commissioners that Gilpin County received $129,359 back from CTSI distributions in 2024 across the workers' compensation and liability pools, representing roughly 12% of contributions for the year. On the liability (cap) side Gilpin had eight claims totaling $15,972 in 2024; the county's loss ratios place it in lower tiers compared with peer counties. On the workers' compensation side, Foley noted 17 claims totaling $163,811 for 2024, but with one larger indemnity claim driving much of the year’s cost.

Risk focus and recommendations: CTSI emphasized vehicle-related claims and slip-and-fall injuries as the two top drivers of severity and frequency in the pool. Foley recommended continued defensive driving training for county employees and other loss-control offerings that the pool provides at no additional member charge. She also highlighted recent county trainings—civil-rights training, flagging and ergonomics—that CTSI supports.

Commissioner response: Commissioners praised county staff and department directors for risk mitigation work and partnerships with CTSI; county officials said they will continue to schedule training and pursue return-to-work strategies that help contain both indemnity and medical claim costs.

Ending: CTSI said it will continue to monitor trends and engage with county departments on targeted training to reduce vehicle and slip-and-fall exposures.