Nueces County insurance renewal: commissioners approve recommended coverage package; property premiums fall from last year

Nueces County commissioners approved the county's recommended property and casualty insurance renewal package for the coming policy term after county consultants reviewed multiple options.

County broker and staff presented three options for property, windstorm and flood coverage. Staff and the broker recommended Option 1 (all‑risk property coverage excluding flood and earth movement at the limits shown on the staff sheet), which carried a lower premium than last year's package. A county representative said total insured value rose about 4% but the chosen coverage showed an approximately 9% reduction in premium relative to the prior year’s totals.

Staff also recommended adding cybersecurity coverage, noting rising cyberrisk exposures for local governments. The court discussed other lines that increased industrywide through the Texas Association of Counties (TAC) — including automobile liability and law enforcement liability increases related to sectorwide loss experience — but the overall package recommended in green on the broker’s summary was still a net savings from the prior year.

The court voted to adopt the recommended package and authorizing the purchasing steps reflected in the agenda item. Commissioners asked staff to make non‑confidential rate attachments publicly accessible in future agendas; staff agreed to publish those materials going forward.

No changes to the county's ongoing volunteer liability, public official liability, or other core coverages were reported beyond the renewals shown on the broker's summary. The court recorded a majority vote approving the recommendation.