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Park County meets cyber controls; county’s cyber policy remains standalone while Mako works to reintroduce pooled cyber coverage
Summary
Park County has multifactor authentication and IT controls that allowed brokers to quote cyber coverage; county currently holds standalone cyber insurance with Evolve, but Mako staff said they are working to return cyber to the pool when broader member protections permit.
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Mako staff and Park County IT managers told commissioners that Park County currently meets many cyber‑security requirements used by cyber insurers, and that the county carries a standalone cyber policy while Mako explores options to restore pooled cyber coverage.
Mako’s presenter said Park County’s IT manager has provided the documentation carriers require and described Evolve as a cyber specialist carrier that offered robust coverage. The renewal premium for Park County’s standalone cyber policy rose slightly to about $17,085, the presenter said, noting that the coverage includes network liability, data recovery, social engineering and related exposures, typically with a $10,000 deductible.
Background and pool context: Mako dropped cyber coverage for the pooled program several years ago because many member counties lacked required protections such as multifactor authentication (MFA). The presenter explained that Mako could not quote pooled cyber when a large share of member counties did not meet underwriting requirements. “For Park County, when we fill up the applications for cyber, Erika is getting us all the information in IT systems. These other counties don't have anything in place,” the presenter said.
Why it matters: returning cyber to the pooled program could lower premiums for counties that meet cyber controls. Park County’s IT manager, Erica, was credited in the meeting for bringing systems toward carrier requirements; presenters said that if Mako can collect adequate member cyber controls, the pool may be able to reintroduce cyber coverage in a future renewal cycle.
Ending: Park County’s cyber policy remains in force; staff said they will continue to pursue pooling options and expect broader cyber offerings to be considered over the coming 12–18 months.
