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Steele County directs staff to pursue insurance quotes and agent-of-record work, discusses coverage options
Summary
Commissioners heard a presentation from an insurance representative about coverage options, discussed deductibles and blanket inland-marine coverage, and voted to have staff pursue quotes and assign an agent-of-record so the county can compare proposals before the July 1 renewal.
An insurance representative reviewed Steele County’s current coverages and recommended options for liability, cyber liability, auto deductibles and a blanket inland-marine schedule at the June 3 commissioners meeting.
Staff described the county’s current $4 million aggregate general-liability policy and noted the state tort cap (mentioned as $2 million for tort claims). The representative advised the county could pursue cyber-liability endorsements that may provide discounts and suggested higher deductibles for some autos could reduce premiums; commissioners asked staff to obtain illustrative quotes.
The representative also recommended switching scheduled inland-marine items (equipment and radios) to a blanket schedule to reduce the risk of claim denials if serial numbers or schedules are out of date; commissioners expressed interest in moving to a blanket limit and asked staff to model options. County staff and commissioners discussed debris-removal limits for buildings and potential deductible changes.
By motion and voice vote, commissioners authorized staff to proceed with assigning an agent of record and to have the prospective agent run comparative quotes and options so commissioners can review savings and changes before the July 1 renewal. Staff planned to return price comparisons, proposed deductible adjustments and recommendations before the renewal date.
