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Jackson County tables decision on cyber insurance pending insurer clarification and MFA cost estimates
Summary
After a lengthy briefing on cyber coverage and excess liability options, the Jackson County Board of Supervisors voted to table action on cyber insurance until staff can collect more information from ICAP and Tokyo Marine and estimate multi‑factor authentication (MFA) costs.
Jackson County supervisors on March 11 tabled a decision on cyber insurance coverage after hearing a detailed briefing on coverage limits, premiums and security controls.
Jennifer Mishandy of Engel Insurance presented quotes and compared two options: an ICAP quote (noted in the packet as $6,000 for $1 million and $15,000 for $2 million subject to underwriting) and a Tokyo Marine renewal price the county had used the prior year. Mishandy and county IT staff explained that the ICAP premium for a $2 million limit would fall if the county implements multi‑factor authentication (MFA) across users and removes certain sublimits in the ICAP quote.
Bjorn, the county’s IT representative, told the board MFA would cost approximately $6 per user per month and estimated 60–70 users, producing an annual cost “a little over $5,000.” The board discussed authentication tokens and phone‑based codes; supervisors raised concerns about spending roughly $5,000 for MFA that would reduce the insurance sublimits by about $1,100 in premium savings. Jennifer Mishandy and Lisa Smith said they would verify detailed underwriting factors with ICAP; Mishandy contacted Megan, the ICAP program director, by phone during the meeting to request clarification on why the second million was priced as it was in the ICAP quote.
After the call and some follow‑up discussion, supervisors voted to table the cyber insurance decision until the board receives the insurer’s clarification and firm MFA cost estimates. The board scheduled a follow‑up discussion for the next week so the packet can include the underwriting rationale and a side‑by‑side comparison of the ICAP and Tokyo Marine options. The board also discussed excess liability (umbrella) options in the same insurance briefing but left that line separate from the cyber insurance motion.
No formal changes to current coverage were implemented at the March 11 meeting; county staff and the insurance broker will provide updated quotes and the MFA cost estimate before the board’s next meeting.
