Coffey County hears insurance renewal; overall premium rises about 14% driven by property and workers' comp
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Summary
An insurance representative reviewed Coffey County’s EMC renewal, noting a roughly 14% overall premium increase largely driven by rising property and workers’ compensation costs and higher building replacement valuations. Commissioners asked for follow-up quotes on drones and auto coverage.
County insurance representatives presented the Coffey County renewal package from EMC and compared options with Travelers. The county’s blanket building limits and scheduled values were updated, raising total insured property to approximately $50.9 million from about $24.8 million the prior year, driven primarily by updated replacement values and inclusion of the law enforcement center.
The representative said EMC offered competitive terms and emphasized loss-control feedback. "We turned in over $110,787 worth of claims just in the last year of 2025," the presenter said, describing claims across general liability, commercial auto and workers' compensation. The rep also flagged a rising workers' compensation mod factor (to about 1.46), which contributed an estimated additional $75,000 in premium.
Commissioners probed specific coverages. Staff confirmed law-enforcement liability remains separately carved out with $1,000,000 per-occurrence limits and the umbrella sits over most but not all liability lines; drone liability was limited to $100,000 per incident and was not covered by the umbrella. Commissioners asked staff to obtain additional quotes for increased drone liability and to return with comparisons for auto coverage and options to change coverage on older vehicles (10+ years).
There was no formal vote to accept a final renewal on the floor; the presenter agreed to return next Monday with follow-up quotes and suggested coverage adjustments.
Next steps: Staff will request and present comparative quotes for drone liability and for auto schedules (particularly vehicles older than 10 years) and will circulate final renewal paperwork for board approval.