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County approves insurance renewal and raises civil-rights deductible to $10,000 to save $40,000
Summary
Commissioners approved a 2025-26 county insurance renewal in the amount of $820,738 and voted to increase the civil-rights liability deductible from $25,100 to $10,000 after hearing from agents about premium impacts.
Marshall County commissioners approved the county's 2025-26 insurance renewal and voted to increase the civil-rights liability deductible, a change that staff and insurance representatives said would lower the annual premium by roughly $40,000.
Steven Swihart of Gibson Insurance and consultant Mike Miley presented the renewal and rate exhibits. Swihart told the board the total premium without increasing the deductible would be $861,258. He presented an exhibit (in the meeting packet) showing that raising the civil-rights liability deductible from $25,100 to $10,000 would lower the premium to about $821,000. During the meeting a final figure of $820,738 was read aloud and the commissioners voted to approve the policy renewal in that amount.
County discussion focused on whether the county could absorb a higher deductible for civil-rights claims (often tied to jail incidents); commissioners said the county's cash position made the higher deductible acceptable. After a motion and second, the board approved raising the civil-rights deductible from $25,100 to $10,000 and then approved the overall policy renewal of $820,738 by voice votes.
No roll-call tallies by member name were recorded in the transcript; the motions were recorded as seconded and carried on voice votes.
