Matt Becker, who runs the League Insurance program, told the Oshkosh City Council on Thursday that the League is a member-owned insurer serving Wisconsin cities and villages for about 41 years and that it focuses on cost stability, broad coverage and member services.

"We are owned by our policyholders," Becker said, describing the nonprofit structure and a board composed of local officials. He said the program aims to keep premiums low and stable, noting liability-rate increases of about 2 percent in the last three years after four years of zero increases. Becker added the League undergoes annual audits and actuarial reporting and said the fund holds surplus to pay claims.

Becker outlined several insurance lines the League provides for Oshkosh, including general liability, auto liability, law-enforcement liability, employment-practices liability, public-officials liability, auto physical-damage and workers' compensation. He said property coverage for the city is supported through Municipal Property Insurance Company (MPEC), a part-owned entity.

In addition to coverage, Becker emphasized services the League makes available to members at no extra charge: management and supervisor training, on-demand learning modules, cyber-risk-management tools (sample policies, incident-response plans and simulated phishing), an HR and legal helpline through Stafford Rosenbaum, and safety grants to purchase equipment. "Everything is included," Becker said about council-level resources and member services.

He described an employee quick-care program intended to speed medical referrals and reduce time off after workplace injuries. Becker said Oshkosh has used the program for roughly 50 cases and projected overtime savings of about $252,000; he added the League pays the program cost. The League also reimburses modest accreditation expenses and supports public-safety training, citing an online police training library backed by Lexipol and a DART police-training simulator permanently placed in Oshkosh.

Becker said the League commonly offers member discounts on recruiting and testing services (about 20 percent off the National Testing Network) and noted the League has historically paid dividends when financially appropriate; he said Oshkosh received more than $31,000 last year.

The presentation concluded with Becker saying the League routinely prepares comparison profiles (limits and deductibles) for members so cities can evaluate options and that cities should weigh premium differences against retention and risk tolerance before changing deductibles or coverages.

Becker provided documentation to council staff and the meeting moved on to council business.