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Insurance broker briefs board on EMC versus school‑pool options; trustees weigh coverage and deductible tradeoffs
Summary
An insurance broker outlined two renewal paths for Garden City USD 457'1: stay with EMC (lower premium but higher per‑building deductible and some limitations) or join the school pool (higher premium, broader replacement coverage); the board asked questions and will consider the materials before the Dec. 19 decision.
Trent Speck of Iron Insurance Partners reviewed the district’s 2025 property and casualty renewal options and contrasted the incumbent carrier EMC with a school‑pool option (referred to in the presentation as Kix/CHIX).
Speck told trustees the two options trade premium and coverage: EMC’s proposal was lower in premium in the presentation but applies per‑building deductibles and certain exclusions, while the school pool offers broader replacement‑cost coverage on older roofs and a single blanket fund that spreads catastrophic risk across…
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