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Commissioners waive $200,000 insurance requirement for Grand Lake Trail Grooming on OLRT grant citing prohibitive cost
Summary
Grand Lake Trail Grooming asked the board to waive an additional $200,000 insurance requirement in the OLRT MOU after agents declined to offer the umbrella coverage or quoted premiums of about $5,000; the board approved an amendment allowing a $1,000,000 combined single limit.
Grand Lake Trail Grooming asked Grand County for a temporary waiver of an insurance requirement in the county's Open Lands, Rivers and Trails (OLRT) grant memorandum of understanding, and the Board of County Commissioners approved an amendment reducing the required combined single limit from $1.2 million to $1 million.
Anna (Grants staff) told the board that Grand Lake Trail Grooming received $32,000 in the fall 2024 OLRT grant cycle and that paragraph 7 of the MOU requires a combined single limit of $1.2 million. Grand Lake Trail Grooming operations manager Cam Stone told commissioners his agent had sought umbrella coverage but received underwriting refusals and two separate premium estimates: roughly $5,000 for the umbrella policy on top of the existing $1,000,000 general liability policy that costs about $1,800 annually.
"It is not looking promising to obtain additional coverage," Cam Stone said, describing underwriter rejections and an estimated minimum premium of about $5,000 plus taxes and fees.
The county attorney advised that the statutory governmental immunity cap for counties (referenced by staff as $1.2 million) is the standard reason the county asks providers for that level of coverage, but she added that "the nature of this grant is for administrative costs" and that the board's exposure on an administrative grant is likely minimal. Based on those considerations commissioners approved the waiver and directed staff to amend the MOU to reflect the reduced requirement; staff also discussed adding the insurance cost as an eligible expense in future grant cycles.
Ending: The board approved the waiver with the understanding staff will monitor insurance availability and consider funding options for coverage in future grant rounds.
