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Perrydale board discusses switching insurance agent but defers decision amid active claim

Perrydale SD 21 School Board · April 21, 2026
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Summary

Board members discussed a local agent (Hagen Hamilton) versus the district's current vendor (WHA), examined the $100,000 premium threshold that changes negotiation terms, and agreed to delay any change while a large claim is ongoing.

District staff briefed the board on whether to change the district's insurance agent of record from WHA to Hagen Hamilton, a local agency that has courted the district. Staff described ongoing informal conversations with an agent, Jake Stone, and said some peer districts report satisfaction with Hagen Hamilton.

Staff explained how agency-negotiation rules operate in practice: once total premiums for the program exceed $100,000 different negotiating percentages can apply; below that threshold carriers and agents typically charge the same percentage. The district estimated next year's premium near $90,000 and board members said premium increases of 10% to 15% could push the total over the $100,000 threshold.

One board member said the district is currently handling a "pretty big claim" and expressed reluctance to change agents in the middle of that claim. Other members said they prefer consistency and suggested the district go out for bids earlier next year if it expects to exceed the threshold.

No motion to change agents was made during the public portion; board members instead asked staff to continue discussions and to return with comparative figures if warranted. Staff noted a statutory or administrative timing constraint: some notices must be complete by April 30 to meet a 60-day pre-deadline process ahead of an end-of-June deadline.

The board did not vote on the agent-of-record question and left the matter open to future review.