County opts for insurance renewal that lowers premium and deductibles

Williamson County accepted the insurance-renewal package recommended by Risk Management and McGriff Insurance Services on Sept. 22, selecting an option that reduced premiums and several deductibles while increasing coverage limits.

Ben Odom of McGriff told the court the recommended Option 2 comes in just under $4,100,000 — roughly $600,000 under the budget allocation — while increasing property limits and lowering key deductibles. "The total premium is just under 4,100,000," McGriff said; the package also lowered the water-damage deductible from $100,000 to $25,000 and reduced the wind-per-building deductible from 3% to 2%, trimming maximum county exposure by about $6.5 million across scheduled locations. Commissioners asked about underwriting factors such as building age, sprinkler systems and auto-claim experience; McGriff emphasized that construction, occupancy and mitigation measures affect underwriting beyond assessed values.

Commissioners moved to approve Option 2 and the court voted 5-0 to authorize procurement of the policy through McGriff under RFP 22 RFP 79 for the term Oct. 1, 2026 through Oct. 1, 2027.