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Council approves $235,094 two‑year excess workers’ compensation policy through USI and Midwest Employers
Summary
Shaker Heights approved a 24‑month excess workers' compensation policy beginning Sept. 1, 2025, with a total premium of $235,094 placed through broker USI with Midwest Employers Casualty as carrier.
Shaker Heights City Council on Aug. 25 authorized the administration to contract with USI Insurance Services for purchase of excess workers’ compensation insurance through Midwest Employers Casualty for a 24‑month period beginning Sept. 1, 2025. The total premium cited at the meeting was $235,094.
Finance staff said the city self‑insures its workers’ compensation program (authorized by council in 2008) and purchases excess insurance to protect against catastrophic claims, noting $750,000 retention for safety forces and $500,000 for other employees. USI solicited proposals and Midwest has been the carrier for most years; staff presented the Midwest proposal to the Administration and Finance committees, which supported the contract.
Council approved the contract under suspension on first reading to avoid a lapse in coverage when the prior contract expires Aug. 31, 2025. Council recorded unanimous aye votes on the roll call. Staff said the program protects the city against large claims and the contract is structured as a 24‑month agreement ending Aug. 31, 2027.
