Angela Trimble, a Trust Point representative, briefed Coffey County commissioners on the county’s 2026 insurance renewal, walking through the county’s auto schedule for vehicles aged 10 years and older, drone-liability options and a proposed wind/hail deductible buy-down.

Trimble displayed a color-coded spreadsheet of county vehicles older than 10 years and said some heavier trucks (green-coded) retained full coverage because they include mounted equipment and higher replacement costs; she recommended that department heads review trailers and specific units before removing full coverage. "These are your vehicles that are all 10 plus years old," Trimble said, pointing to the spreadsheet and the premium impacts of keeping or removing comp and collision.

The presentation flagged drone liability as an area for discussion. Trust Point noted the county’s current drone liability limit is $100,000 and offered options to raise it to $500,000 or $1,000,000 with estimated incremental annual premiums. Commissioners discussed law-enforcement drone use, training and operational limits; several said they were inclined to increase law-enforcement coverage and asked that Eric (identified by commissioners as a primary operator) be consulted for operational context. One commissioner said $100,000 "seems like not enough" when a drone’s failure could cause damage to a residence or business.

Trimble also described a buy-down option for wind and hail deductibles. Several buildings currently have a 1% wind/hail deductible (calculated as 1% of insured value); Trust Point offered a buy-down to a $50,000 per-occurrence deductible for an estimated premium (example figures were discussed during the briefing). Commissioners weighed the cost — one example given was roughly a $35,000 premium to reduce a large deductible — and the group expressed reluctance to purchase the buy-down without further review of structure vulnerability and department head input.

Commissioners directed staff to review the auto schedule with department heads, ask the departments about high-value trailers and heavy equipment, and consult the county’s drone operator for operational input on liability limits. Trust Point agreed to return with final premium numbers and to attend a follow-up meeting after department feedback.