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Oxford Community Schools reviews insurance quotes after major carriers decline coverage
Summary
At a Nov. 17 special meeting, the Oxford Community Schools Board reviewed insurance quotes after several major carriers declined to provide coverage; presenters detailed high premiums, limited excess coverage and recommended transparency and an appeals process for members.
Oxford Community Schools Board President Amanda McDonough convened a special meeting on Nov. 17, 2025, for the board to review insurance-market options after multiple carriers declined school-district coverage.
The board received presentations from John Fitzgerald, Katie Carlson, account executive at Gallagher, and Ryan McLeod, director and chief operating officer of Middle Cities Risk Management Trust. Board members were told that United Educators, Liberty Mutual, Travelers Insurance Company, Hanover Insurance Company and Wright Specialty Insurance Company had declined coverage for the district.
Presenters described alternative offers and gaps. Representatives said the MSIP Self Insured Pool and the MAISL Self Insured Pool could provide only $5,000,000 of excess coverage. For workers compensation, the Michigan Association of Intermediate School Districts Liability (MAISL)/Accident Fund Group quoted a $105,124 annual premium or a prorated premium of $78,627 for the 01/01/2026–10/01/2026 coverage period. Middle Cities Risk Management Trust offered a Property & Casualty package quoted at $689,731 annual premium or $342,365 prorated for the same coverage period.
Ms. Katie Carlson and Mr. Ryan McLeod urged transparency in the board's decision-making process. They recommended including board members in major decisions about coverage options and establishing an appeals process for member districts to challenge coverage determinations or administrative actions.
No formal motion or vote on a selected carrier or package was recorded at the meeting. The board listed additional meetings on Nov. 18, where related budgetary or operational items could be discussed. The special meeting adjourned at 12:04 p.m.
