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Council renews city property and liability insurance, adds terrorism coverage amendment
Summary
Council approved a one-year renewal of the city—s property and liability policy with Nickel & Saf for $470,539 and accepted a friendly amendment to add $7,201 for additional terrorism coverage, bringing the total to $477,740; the policy includes $10 million sewer-backup limits and expanded judicial liability.
The Grosse Pointe Farms City Council approved a one-year renewal of its property and liability insurance on Nov. 10, 2025.
John Johnson of Nickel & Saf presented the renewal, noting a roughly 9.04% premium increase (approximately $39,000) tied to exposure changes and updated asset valuations. Johnson highlighted coverage specifics including a $10 million sewer-backup limit, judicial-liability coverage for the municipal judge, and ancillary protections.
Council discussed optional terrorism coverage, which staff described as now including domestic incidents under recent federal legislation. After questions about whether federal aid would normally be available in such an event, Councilmember Donovan moved to approve the renewal for $470,539 (coverage period 12/07/2025–12/07/2026). Mayor Pro Tem Soroka proposed a friendly amendment to add $7,201 to provide the additional terrorism coverage; Donovan accepted the amendment. The amended motion to approve the renewal at $477,740 carried unanimously.
Council members also asked whether ongoing sewer-separation projects could reduce future premiums; the insurance representative said such infrastructure work could be considered by underwriters in later renewals but would not immediately reduce this year—s premium.
