The Recreation Centers of Sun City, Incorporated board voted to approve the association's 2025–26 insurance renewal proposal, which increases the overall premium by $301,007 (about 20%) and sets the total premium at $1,795,204 for the period covering Jan. 30, 2025, through June 30, 2026.

The board's vice president, speaking as maker of the motion, read the insurance committee and broker analysis, saying the premium rise reflected multiple factors: a limited number of carriers willing to write the association's risk profile, a 15% increase in property valuations from a third-party Marshall & Swift appraisal, and elevated workers'compensation experience. "An e mod of 1 is average. Our e mod is 2," the vice president said, summarizing the committee's explanation that the association's experience modification rating indicates higher-than-average workers'comp claims and contributes to higher premiums.

Why this matters: the renewal covers property, liability, auto, directors-and-officers liability, workers'comp and several smaller lines of coverage. Board members and members who spoke pressed for more detail on the premium breakdown; the board and management said a carrier-provided line-item breakdown exists and can be circulated.

Board and member discussion focused on market capacity and loss history. The insurance committee reported that brokers solicited bids from multiple carriers; many insurers either declined to bid or could not improve pricing. The committee recommended the current set of carriers, coverage levels, and deductibles as the most prudent option after that outreach. A member, Dave Clawson, asked for a more detailed breakdown and questioned whether additional shopping would be practical; the committee and staff said they had pursued all carriers judged appropriate by the broker.

Board members and staff also discussed the effect of a recently filed (and later withdrawn) lawsuit that led one carrier to decline renewal of excess directors-and-officers coverage; the committee said the association had to replace that layer of coverage as one consequence of the claim history. Board discussion included comments about the difference between admitted and nonadmitted insurers and the tradeoff between cheaper nonadmitted options and the financial security offered by carriers with strong AM Best-type ratings.

Formal action: the motion, made by the insurance committee (Vice President as maker), passed on roll call by the board with a recorded tally of 8 yes, 0 no, 0 abstain. The approval was recorded as the motion's first reading; the item was scheduled to return for a second reading at the June meeting.

The committee and staff said they would provide additional documentation, including a line-item breakout of the $1,795,204 premium and the broker's bid summary, to any board members and interested members.

Ending: Management and the insurance committee framed the renewal as a response to a tight commercial market and the association's recorded loss history; they urged continued safety and risk-control efforts to improve the association's loss profile going forward.