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Commissioners approve insurance renewals: move to West Bend for workers' comp and package renewals
Summary
County leaders approved moving workerscomp coverage to West Bend after review of quotes, approved a package renewal with Bliss McKnight/Amguard arrangements, kept current cyber limits for 2026 and approved property renewal; commissioners also discussed deductibles and coverage buy-backs.
An insurance broker briefed commissioners on the countys 2026 coverage renewals and recommended several actions. After discussion, commissioners approved moving the countys workers' compensation coverage to West Bend, approved a package liability renewal proposal and kept the countys cyber coverage limits unchanged for 2026.
The presenter said West Bend quoted a lower workers' compensation rate when compared with the countys prior carrier (materials cited West Bend at about 2.01 versus IPEP at about 2.12 in the presented pages). The presenter confirmed West Bend would accept DCH as its primary medical provider for work comp claims; commissioners voted to renew with West Bend.
For liability and package coverage the presenter described moving from HCC to Amguard and obtaining a package quote through Bliss McKnight and related markets. The consultant noted underwriting review of the countys loss history and jail inspection results helped secure a competitive price; commissioners approved the package renewal as presented.
On property coverage the presenter described a Chubb quote and a $50,000 deductible strategy used last year; commissioners approved renewing property coverage at the presented levels and asked staff to check hangar coverage and possible duplication with airport insurance.
On cyber insurance the presenter offered options (keep $1,000,000 with $25,000 deductible, reduce deductible to $5,000, or increase limit to $2,000,000). Commissioners voted to keep the current $1,000,000 limit with the existing deductible for 2026.
Commissioners and the presenter emphasized timely claim reporting and loss-control work to help reduce future rates; staff were asked to follow up on loss-control meetings and provide any additional breakdowns requested for airport hangar insurance.
