The county’s insurance broker presented July 2 on the 2025 renewals for workers’ compensation, general liability, property and cyber insurance; officials noted a favorable workers’ compensation experience modification and a modest overall increase in the county’s CIS premium.

Brianna Wimber of the Partners Group told commissioners that the county’s consolidated insurance services (CIS) renewal was up about 9% overall, driven primarily by the method CIS uses to calculate general liability premiums (materials and services and total requirements tied to adopted budget figures). Wimber said property premiums rose slightly after a 3% trend increase in assessed property values and removal of a couple dilapidated structures from the insured list.

Workers’ compensation: Wimber said the county’s workers’ compensation experience modification (mod factor) is 0.7 for the 2025 policy period, representing the lowest mod the county has recorded since 1999. She said the lower mod produced roughly $47,000 in premium savings against an overall workers’ compensation premium near $158,000 and highlighted county safety and risk‑management efforts — including department training and claims management — as contributing factors.

Cyber: Wimber said the county’s cyber insurance renewed with no premium increase, which she attributed to “good cyber hygiene” and IS/IT efforts to harden systems and participate in carrier testing.

Other notes: The broker described the county’s continued participation in a retro deductible program and said that program has saved the county roughly $203,000 over the last 10 years. Commissioners asked for a claims-report breakdown showing recent losses by department; staff agreed to provide that to the board.

What happens next: Staff will finalize renewals and provide claims reports to commissioners as requested.