Great Basin Insurance reviews Klamath County coverage; workers’ comp experience mod to rise, firm recommends staying on two‑year retro plan

Bill Gilmore of Great Basin Insurance briefed the Klamath County Board of Commissioners on the county’s insurance and risk profile, outlining recent claims trends, projected changes to the county’s experience modification factor for workers’ compensation, and several options for reducing future premiums.

Gilmore said the county’s workers’ compensation experience-mod is projected to rise from 0.88 to 1.06 because older, better years are rolling off the calculation while more costly years move in. He reported the county’s current claims-cost trend at roughly $81,000 for the year compared with about $277,000 in the prior year, and identified strains, slips and falls, and knee injuries as recurring claim types. He also noted that about 65% of claims involve first‑year employees, which he called a potential focus area for safety and training.

On property and liability, Gilmore said Klamath County’s auto lines were performing at or below pool…