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Commission adds $2 million of excess liability coverage for county at additional cost
Summary
Berkeley County increased its excess liability from $2 million to $4 million for an additional premium of about $83,770, approving the risk-pool renewal and the added coverage for fiscal year 2026–27.
County risk management briefed commissioners on the annual property and casualty renewal and presented an option to increase excess liability limits.
Staff reported a base premium increase of about $15,622 and said raising the county’s excess liability coverage from $2 million to $4 million would add roughly $83,770 to the premium for the fiscal year. Proponents said higher excess coverage is prudent given exposure and potential claims; commissioners noted budget pressures but approved the additional coverage, with staff saying the county’s fiscal position can absorb the increase.
The action amends the county’s insurance purchase for the upcoming fiscal year to add the higher excess liability limit.
