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District switches property, liability and workers' comp coverage to EMC after staff review

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Summary

Administrators reported switching the district's insurance package (property, cyber, auto, workers' compensation) to EMC; staff said EMC's quotes were roughly $10,000 lower and offered a higher workers' comp dividend on the district's market area.

District administration told the board it had authority from the board to negotiate and switch the district insurance package and that staff selected EMC as the carrier. Administrators said EMC's proposed cost was about $10,000 less overall and that EMC offered a higher workers' compensation dividend that improved the district’s return relative to the previous carrier (WERMAC was referenced).

Why it matters: staff said the EMC proposal provided comparable coverage and better uninsured/underinsured motorist protection; administrators said EMC is well known in the school sector and that the carrier’s regional approach means broker arrangements vary by territory.

Action: administrators reported the change as an executed operational decision; no further board motion was required because the board had previously delegated authority to negotiate insurance renewals to staff.

Ending: staff invited questions and said details had been provided by email to board members.