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Jefferson County approves $881,586 insurance renewal amid rising deductibles and coverage shifts
Summary
County commissioners approved the 2025 property and liability insurance package totaling $881,586.38 after hearing that insurers raised deductibles, moved wind/hail to a percentage-based deductible and removed some law- and employment-related liability from umbrella coverage.
Jefferson County Commissioners on March 20 approved the county'025 property and liability insurance package with a total premium of $881,586.38 after an extended presentation on rising deductibles and newly excluded coverage.
The county ccepted the renewal after Rick, the meeting—ontracted insurance presenter, outlined multiple changes to the policies and options to limit the county's exposure. The package approved at the meeting retains core limits but raises several deductibles and requires additional excess layers to replace coverage removed from the umbrella.
The changes matter because the county—uildings and high-value facilities face much larger out-of-pocket costs under the new terms. "On a jail at $46,000,000, you're gonna have a $460,000 deductible," Rick said,…
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