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Council ratifies $351 adjustment on 2026 insurance bill to avoid lapse
Summary
Council ratified an unexpected $351 charge on the 2026 insurance invoice (terrorism coverage line) to prevent an insurance lapse; legal counsel clarified the terrorism coverage triggers.
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Council reviewed the 2026 insurance invoice and found an unanticipated $351 addition driven by a terrorism coverage line on the policy. Legal counsel (S4) explained the terrorism coverage would only respond if an incident met the policy definition of terrorism and observed that the council could ask the insurer to remove that coverage if desired.
Committee member (S5) moved to ratify the additional payment so the town would remain covered; the motion was seconded and approved. Staff will note the ratification in the minutes and, if the council requests, pursue removing optional coverage in a future policy review.

