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Insurance broker Alliant outlines plan to move Cowlitz County from pool to independent insurance program
Summary
Alliant Insurance Services presented a proposal for an independent insurance program for Cowlitz County, showing a multi‑year cost comparison and describing services (TPA, claims advocacy, loss control). Commissioners asked about market stability, claims 'tail' risks and service parity with the current pool.
Alliant Insurance Services representatives told the Cowlitz County Board of County Commissioners they could design an independent insurance program tailored to the county’s loss history and secure occurrence‑based coverage and a two‑year premium guarantee on the primary layer of liability coverage.
Brian White and colleagues described a program that would replace the county’s pooled coverage with a combination of a retained self‑insured retention (SIR), a third‑party claims administrator (TPA), a primary liability policy and excess layers placed via a purchasing group. Alliant presented three‑year pro forma cost projections that compared (a) staying with the current pool under projected actuarial increases and (b) an independent program with a $250,000 or $500,000 retention.
White said Alliant had prepared the proposal using 11 years of the…
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