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MCIT executive director briefs county board on insurance trends, dividends and risk services
Summary
Gerd Clabaugh of the Minnesota Counties Intergovernmental Trust (MCIT) gave the board an overview of MCIT services, recent dividends, reinsurance strategy and cyber and safety supports; Carver County’s workers’ comp mod rate was noted as favorable.
Gerd Clabaugh, executive director of the Minnesota Counties Intergovernmental Trust (MCIT), presented the MCIT member report to the Carver County Board, outlining the pool’s role as a public risk‑management entity, recent financial performance and resources available to member counties.
Clabaugh described MCIT as a member‑owned joint powers entity that provides workers’ compensation, property and liability coverage and a suite of risk management services. He said the board of MCIT has in recent years adjusted retention levels to respond to rising reinsurance costs and that the pool returned $3.5 million in dividends to members last year; Carver County’s share of that dividend was $86,900.
Clabaugh highlighted MCIT’s focus areas, including cyber security training, employee assistance resources, and in‑house safety and claims consultants. He stressed the pool’s partnership model: "If there's one thing I could leave with you today, it's just an understanding that this is really a partnership," he said.
MCIT staff noted Carver County’s workers’ compensation experience modifier (mod) was 0.84 — favorable relative to the pool average — and encouraged continued investment in loss control and safety programs. Board members asked about dividend allocation and the drivers of contribution increases; MCIT said property insurance has seen above‑inflationary increases driven by construction and weather events and that workers’ compensation contributions reflect wage and exposure trends as well as the county’s experience.
Board members and staff discussed self‑insured lines and the tradeoffs of retaining risk versus purchasing coverage. County risk management specialist Sonia Walter was introduced as the MCIT point of contact for Carver County.
Clabaugh closed by encouraging counties to use MCIT’s training and consulting resources and offered to follow up with specific data on dividend allocation and insurance contribution calculations for county budget planning.
