Self Insurance Board (Workshop) 11/12/26

The Sumner County Self Insurance Board held a workshop on November 12, 2026, to review the county’s insurance structure, employee benefits, and fund finances. Presenters described casualty and property coverage, including approximately $305 million in insured property, a $200 million per-occurrence property limit, and a 3% wind-and-hail deductible for affected buildings. The board discussed whether to increase the cybercrime sublimit or buy down property deductibles; presenters said higher limits may be explored, while buying down the wind-and-hail deductible could cost more than $100,000 per percentage point. No coverage change or related spending approval was recorded.

Procurement-related updates included the property broker selected through an RFP the prior year, the One to One clinic contract (effective January 1, 2026, through December, with annual renewals unless terminated), and a 2026 RFP for a life-benefit policy that took effect July 1 and resulted in a premium decrease after removal of the broker. The clinic arrangement may be extended or put out to RFP again when its term ends. Finance reviewed self-insurance funds, including a $1,229,165 health stop-loss reserve, and casualty contributions of approximately $746,000 from the highway fund and $1.5 million from the general fund. No contract award, procurement motion, or spending vote was recorded; the meeting adjourned after a motion and second.