County staff recommend insurer switch; presenters cite lower premiums and new cyber coverage

During the March 2 meeting, Risk Management Partners representatives presented the county’s insurance renewal and recommended moving to the insurer identified in the renewal packet (referred to in discussion as "Massid"). Presenters said the switch produced significant premium reductions on property and auto lines and added broader coverages, including a $1 million cyber liability limit that the county lacked under its prior arrangement.

“Massid put a million dollar cyber liability there where we did not have it,” one presenter said. Staff also highlighted coverage differences in law‑enforcement and jail exposures, saying that the new insurer would cover some claims the prior carrier had denied, citing coverage language around self‑inflicted injuries in the jail.

Board members questioned why public‑officials liability costs appeared higher with the new carrier; presenters attributed the mix of pricing differences to reinsurance market movements and to different underwriting across lines. Presenters said a reduction in reinsurance costs since January helped lower premiums across several accounts and that the carrier would work with the county to manage deductibles over time.

The board voted to authorize renewal through staff; the transcript does not include a roll‑call tally. Presenters offered to provide additional multi‑year history on request and to review line‑by‑line details with supervisors who asked for further information.