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Commission opens sealed insurance proposals; staff to compare rates
Summary
Crawford County opened sealed insurance bids Dec. 19. Commissioners heard a K Works quote of $222,219 and instructed staff to compare payroll and experience-mod differences before recommending which bid to accept.
Crawford County commissioners opened sealed insurance proposals at the Dec. 19 meeting and agreed to send the submissions to county staff for a detailed comparison of payroll bases, rate structures and experience modifications.
An unidentified presenter read the first proposal from a bidder identified as "K Works," listing a total premium of $222,219, an experience modification factor of 1.24 and a payroll figure of $14,000,002.39. Commissioners and staff discussed other bids, noted payroll changes and questioned whether small differences in payroll or experience mods explained the variance between quotes.
Commissioners expressed concern that a quoted insurer might have very few employees (raising questions about comparability) and asked staff to reconcile payroll and rate bases so the commission can make an apples-to-apples selection. The commission directed the clerk and finance staff to return with a recommendation at the next meeting.
Why it matters: the county's workers' compensation and liability premiums affect the general fund and departmental budgets; rate differences driven by payroll and experience modifiers can materially change the county’s premium expense. The commission did not make an award at the meeting.
Next steps: staff will compare payroll and experience-mod assumptions across bids and bring a recommendation back to the commission for final action.
