Crawford County approves $579,612 insurance renewal including $3 million umbrella

The Crawford County Board of Commissioners approved an insurance renewal proposal from Travelers totaling $579,612 that includes workers' compensation and liability coverage and a $3 million umbrella policy.

County staff presented the Travelers quote and described options to buy down per‑occurrence deductibles. Staff reported multiple buy‑down scenarios — including figures discussed for $100,000 and $200,000 deductible limits — while noting a separate per‑occurrence deductible tied to wind and hail exposures. Commissioners debated the cost and risk tradeoffs before voting to accept the presented Travelers quote.

The discussion included staff explanations of how a percentage deductible (expressed as 3% of a building value for wind/hail) would apply to large county buildings and how a fixed deductible would change the county's out‑of‑pocket exposure. Commissioners asked about replacement‑cost versus actual‑cash‑value treatment for older roofs and other assets; staff said Travelers offered replacement‑cost treatment in cases called out by the quote, which factored into the board's decision.

The board voted to approve the Travelers renewal as presented, which the board recorded as including the workers' compensation and liability policies plus a $3,000,000 umbrella policy. Commissioners said they would revisit optional buy‑downs at a later date if they chose.

The board scheduled further discussion about specific deductible buy‑downs and other options at a later meeting.

Ending: The approved Travelers package will be executed by county staff; commissioners said they would monitor market changes and may adjust deductible buy‑downs later in the year.