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Rogers County renews property-insurance program amid rising premiums
Summary
The Rogers County Board of Commissioners approved renewal of the county's property insurance with the Burrows agency after a presentation outlining rising replacement costs, a 4% inflation guard and upcoming increases in law enforcement liability limits.
The Rogers County Board of Commissioners on June 30, 2025 approved renewal of the county's property insurance with Burrows Agency after a presentation on rising premiums and coverage changes.
In a presentation to the board, an insurance representative identified as Jerib said the county's policy includes an inflation guard that increases covered property values by 4% annually and that broader market factors have driven up property-insurance rates. "The hundred year storms are now 30 years, 30 years are now 5 year storms," Jerib said, describing greater frequency and severity of weather-related claims.
Jerib told commissioners that changes to governmental tort limits will raise law-enforcement liability exposure: per-occurrence limits will increase from $125,000 to $250,000 on Nov. 1 and umbrella limits from $1,000,000 to $2,000,000. He also said Rogers County's population is roughly 100,000 and noted a statutory threshold change referenced in the presentation from 300,000 to 150,000 for classification as a "large county," which would alter liability caps if the county reached that population.
Why it matters: County officials said the combination of the inflation guard, broader insurance-market rate increases and changes in liability caps is the primary reason for the premium increase presented to the board. Commissioners were told there were discrepancies remaining in the county auto schedule that could alter the final premium depending on vehicle counts and vehicle ages.
During discussion commissioners said the year's premium increase felt larger than in recent years; a commissioner characterized the increase as about 30% compared with last year. Jerib confirmed there were no deductible changes and that the renewal covers countywide exposures including the jail, the health department and drone liability.
The board voted to approve renewal of the county property insurance with Burrows Agency. The motion carried with all three commissioners recorded as voting aye: Delosier, Hendricks and Burrows.
The presentation and vote addressed only the renewal before the board. Commissioners asked staff to continue reconciling vehicle schedules and other listings that could affect final premiums; those reconciliations were described as outstanding at the time of the meeting.
