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Township switches worker’s-comp to Selective, cites $17,197.00 annual savings
Summary
After reviewing bids, supervisors voted to switch the township’s worker’s-comp carrier from SWIF to Selective for 2025, noting an annual savings of $17,197.00; Keystone Insurance will seek additional pricing options through Selective.
Keystone Insurance representative Eddie Koebke presented multiple quotes showing comparable coverage across carriers and highlighted pricing differences. The board voted to switch worker's-comp coverage for 2025 from SWIF to Selective; the minutes record the motion by Todd Oberdorf, seconded by Glenn Troup, and note an annual savings of $17,197.00.
Koebke also said he will "look into other insurance pricing through Selective" and explained industry limitations on coverage for non-CDL drivers operating CDL vehicles during emergencies, referencing PSATS guidance that allows such use only if CDL employees were first contacted and are unavailable. The minutes note that while a signed permission form can protect the non-CDL driver personally, it does not eliminate the township's potential liability in the event of a claim.
