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Finance recommends staying with Wisconsin County Mutual for liability; staff to explore property/auto deductibles and cyber coverage
Summary
Finance recommended retaining Wisconsin County Mutual for liability coverage, exploring options for property and auto deductibles and seeking additional cyber coverage if affordable. Staff reported appraisal questions for minor property items and said further analysis will be provided.
Finance staff briefed the committee on 2026 insurance renewals and recommended remaining with Wisconsin County Mutual for liability coverage, noting the mutual’s services and costs are acceptable compared with market options. Staff suggested reviewing property and auto-deductible options and pursuing additional cyber coverage if an affordable and appropriate product can be found.
The department reported appraisal returns flagged small items (picnic tables, bike racks and play-pool equipment) that may not meet capital-asset thresholds and that staff will follow up to determine which assets should be listed for insurance purposes. Staff will continue to analyze rate changes and report back to the committee with options for property/auto deductibles and any recommended add-on cyber policies.
