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Pike County commissioners approve switch to Travelers, move worker's comp to ASTRA
Summary
The Pike County Board voted 3-0 March 2 to change its commercial insurance broker and carrier to RT Insurance/Travelers and to buy workers'comp through ASTRA, citing modest premium savings and added training options; commissioners also reviewed detailed proposal tables prepared by the county administrator.
Pike County commissioners voted 3-0 on March 2 to switch the county's commercial insurance placement to RT Insurance/Travelers and to purchase workers'comp coverage through ASTRA.
County Administrator Kristi Dischinger presented a side-by-side comparison of the county's existing coverage and two renewal proposals. The table showed the county's current combined premium at $376,213; the HILB renewal proposal was $369,079 and the Travelers proposal through RT Insurance was $368,910. For workers'comp, the IPEP proposal through German American was listed at about $94,000 while ASTRA through RT Insurance was quoted at about $88,000 and included optional onsite or online training.
Commissioners indicated they preferred the RT Insurance/Travelers proposal and the lower-cost ASTRA option for workers'comp. A motion to adopt Travelers for the county's commercial coverage was approved 3-0. Commissioners also approved purchasing workers'comp from ASTRA, 3-0. The minutes record the votes as unanimous; the transcript language about who formally moved and seconded each motion is ambiguous, so the board's unanimous votes are reported without attributing mover/second to avoid misidentification.
The staff summary sheet attached to the agenda noted differences in several line items, including automobile physical damage, law enforcement and public officials liability, property replacement-cost limits, and cyber liability sublimits. The summary sheet included a caution: "This summary sheet is for informational purposes only and does not supersede the proposal or policy. Please refer to the proposal and policy for specific limits."
Dischinger's presentation and the numeric comparisons were the primary basis for the board's vote. Commissioners did not request further delay on the insurance placement; the board's actions will require the county to complete insurer paperwork and any policy endorsements for property or equipment changes.
What happens next: staff will finalize procurement paperwork with RT Insurance and Travelers, complete the ASTRA workers'comp enrollment, and apply any necessary endorsements reflecting county property or vehicle inventories. The summary sheet attached to the meeting packet notes that auto endorsements and year-end audits may change the final premium.
