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Nevada CSD renews EMC insurance package, adds three optional coverages
Summary
The Nevada Community School District approved a $528,359.41 EMC insurance renewal and opted to add three optional coverages after a presentation from Melissa Johnson of Midwest Insurance detailing rising property and liability costs and options for higher cyber, pollution and off‑premises limits.
The Nevada Community School District Board on June 16 approved renewal of its EMC insurance program with a total annual premium of $528,359.41 and authorized three optional coverages recommended by the district’s broker.
Melissa Johnson of Midwest Insurance presented the district’s annual insurance summary and answered board members’ questions. Johnson said the district insures about $120,000,000 in property and faced a 15% rate increase this year; she described growing wind and hail losses statewide as the primary driver of higher property rates. She told the board the policy keeps a $25,000 deductible for most per‑occurrence losses but that wind and hail deductibles on certain buildings are structured as 1% of value, which can raise the district’s effective…
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