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Coffey County opts to stay with EMC through TrustPoint Insurance for 2025 coverage
Summary
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.
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).
Staff highlighted specific changes proposed by carriers: Travelers offered a buy-down on wind/hail deductibles and had different treatment of certain high-value properties; EMC provided a more itemized breakdown and included several coverages without additional line-item charges. For cyber liability, both carriers proposed increases from $500,000 to $1,000,000 with differing premium impacts. Staff's recommendation was to stay with EMC at the existing $5,000 auto deductible because it represented the most cost-effective package given Coffey County's claim history and coverage needs.
Motion to approve the 2025 insurance renewal with TrustPoint Insurance (Burlington, Kansas) to continue coverage with EMC was moved, seconded and approved on a voice vote.
County staff will work with TrustPoint to finalize documentation and update the clerk's office with policy information for 2025.
