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City staff recommends PRISM to lower Chino’s $5 million deductible; council leans toward $1 million option
Summary
City staff presented four joint powers insurance authorities and recommended joining PRISM to reduce the City of Chino’s $5,000,000 general liability deductible; council members signaled support for a $1,000,000 deductible and asked staff to pursue membership discussions and return with formal approval steps.
Terry Doyle, the City of Chino’s director of human resources and risk management, told the City Council on Feb. 10 that staff had evaluated multiple joint powers insurance authorities and is recommending membership in PRISM as the best balance of flexibility, coverage and cost.
The recommendation is aimed primarily at reducing the city’s current $5,000,000 out‑of‑pocket general liability deductible while maintaining comprehensive coverage. "The primary goal tonight is to explore options to reduce the city's current $5,000,000 general liability deductible while ensuring the city maintains sufficient insurance coverage," Doyle said during the presentation.
Why it matters: staff said Chino has averaged roughly 41 workers’ compensation claims annually (top three averaging about $262,000 each) and about 85 general‑liability claims per year; its single…
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