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Council Rock SD to seek new carriers for property, auto and student‑accident coverage; consultants recommend Encova and Chubb
Summary
Administration recommended switching workers’ compensation coverage to Encova and moving student‑accident coverage to Chubb, citing competitive pricing and risk‑control services. Staff presented a total property/liability/auto premium for next year of $1,207,313 and a package of risk‑control services tied to the renewal.
Council Rock School District officials recommended changes to the district’s non‑health insurance portfolio as part of next week’s consent agenda, including a proposed workers’ compensation carrier change and a switch of student‑accident coverage.
At a board work session, the district’s business office said the total premium for property, liability and auto insurance next year will be $1,207,313. “It’s actually less than this year’s premium; it’s going to be $23,168 less,” the Business Administrator said. The administration presented that figure as the package to be considered when the board votes next week.
Consultant Miss Burridge Dyer, who led the renewal review, told the board the team solicited multiple proposals and that Encova emerged as the best option for workers’ compensation: “We did get several including AmTrust, and Encova came out as the best best option,” she said. Dyer highlighted Encova’s experience writing workers’ compensation for large Pennsylvania school districts and described the carrier’s emphasis on risk control, dedicated adjusters and an online claims portal the district reviewed with staff.
On student‑accident coverage, Dyer said the administration recommended switching from Zurich to Chubb, which the presentation showed would lower that line by about 10 percent while matching existing coverage.
Board members asked for additional details about flood‑coverage modeling, carrier references and the operational steps of a carrier transition. The consultant said risk‑control assessments typically begin within 60 days and that on‑site visits tend to focus on higher‑frequency locations and safety committee priorities.
Administration noted the workers’ compensation change may trigger an audit by the former carrier to reconcile payroll and claim data, which is typical when a carrier leaves.
The board did not take a formal vote during the session; the insurance renewal package is slated for action at the next board meeting.
