Coffey County opts to stay with EMC through TrustPoint Insurance for 2025 coverage
After reviewing Travelers and EMC proposals and alternate deductible scenarios, commissioners approved the county's 2025 insurance renewal through TrustPoint Insurance (Burlington, KS), electing to remain with EMC at a $5,000 auto deductible and no major coverage cuts.
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County insurance representatives returned with updated quotes and options and reviewed the effects of raising deductibles, increasing cyber limits, and adjusting umbrella coverage. The broker explained that increasing auto deductibles from $5,000 to $10,000 would produce premium credits but could be disadvantageous in the event of multiple vehicle claims (Travelers applies deductible per vehicle, EMC applies per-occurrence with max two deductibles for a hail event).
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