Resolution to Approve the Liability, Property, and Workers Compensation Coverage, Insurance, Carrier, and Premiums for Sauk County

NOW, THEREFORE, BE IT RESOLVED, the Personnel and Insurance Committee has reviewed the 2025 premiums for general liability, nursing home liability/professional liability and excess liability (umbrella) coverage for Sauk County from the Wisconsin County Mutual Insurance Corporation (WCMIC) and recommends the following as being in the best interest of Sauk County:

Public Entity General and Auto Liability                                             

  General and Automobile Liability                                                        $AMOUNT

         $10,000 deductible

         $75,000 aggregate

  Uninsured Motorists                                                                             $ included

         $10,000 occurrence

         $25,000 person

         $50,000 occurrence                                                                         

Cyber Enhancement                                                                              $ included      

Special Exposures (Airport and Nursing Home)                                    $ included                                    

Position Schedule Bond                                                                          $AMOUNT     

Crime                                                                                                     $AMOUNT

Health Care Center (Nursing Home) Liability Endorsement

Personal Injury Coverage                                                                         

Health Care Center Liability Endorsement                                            $AMOUNT

  $1,000,000/ Occurrence

  Professional Liability

  $3,000,000/ Aggregate

Total WCMIC Liability Premium (Subject to Escrow Adjustment) $AMOUNT

BE IT FURTHER RESOLVED, the Personnel and Insurance Committee has reviewed the renewal for the 2025 premiums for property insurance for Sauk County and recommends the following coverage for Sauk County from Wisconsin County Mutual Insurance Corporation (WCMIC) and recommends the following as being in the best interest of the County:

COVERAGE                                           DEDUCTIBLE                        PREMIUM

Buildings, Contents, Property in Open     $25,000                                 $    143,460

Contractors Equipment                             $5,000                                   $ included

Equipment Breakdown                              $25,000                                 $     9,357      

Special Use Animal                                   $1,000                                    $ included

Automobile Physical Damage

Comp/Collision                                         $1,000/$5,000                          $  79,432

TOTAL PREMIUM TO WCMIC FOR PROPERTY                                  $232,249

BE IT FURTHER RESOLVED, the Personnel and Insurance Committee has reviewed the renewal for the 2025 premium for Workers Compensation coverage for Sauk County and recommends that the following self-insurance proposal by Wisconsin County Mutual Insurance Corporation (WCMIC) as being in the best interest of Sauk County

COVERAGE                                           LIMITS                                    PREMIUM

Accident                                                  $ 100,000                                $   included

Disease Exposure                                  $ 100,000                                $   included

Maximum Employer Liability                   $ 600,000                                                       

TOTAL PREMIUM TO WCMIC FOR SELF-INSURANCE                        $185,348.00

BE IT FURTHER RESOLVED, by the Sauk County Board of Supervisors in regular session meeting, that the above insurance coverage, carrier, and premiums be, and hereby are, adopted for the policy period of January 1, 2025, through December 31, 2025.