APPROVING LIABILITY, PROPERTY, AND WORKERS COMPENSATION COVERAGE, INSURANCE, CARRIER, AND PREMIUMS FOR SAUK COUNTY

Committee Status: 
Approved
Budget Status: 
Budgeted
Decision Impact: 
Routine
FTE Impact: 
No
Funding Source: 
Levy

Purpose

Approving liability, property, and self-insured workers compensation coverage for 2020.

 

Background

 

Due to the complexity and limited market options for all lines of coverage, the Personnel and Insurance Committee determined Wisconsin County Mutual Insurance Company (WCMIC) provides the most complete coverage for all insurance(s) for 2020, including liability, property, and self-insured

workers compensation. The Property & Insurance Committee and Personnel & Insurance Committee determined it to be in the best interest of the county to conduct the competitive bid process every three years. The last process was completed for a three year period beginning with 2019. Therefore, the Personnel and Insurance Committee recommends continuing with Wisconsin County Mutual Insurance Corporation (WCMIC) as the most cost effective proposal for liability, property, and self-insured workers compensation coverage for 2020 as outlined below.*       

 

LIABILITY COVERAGE                                                                                                           PREMIUM

Public Entity General and Auto Liability       

                General and Automobile Liability                                                                            $  309,868

                                $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                                                                                                                     $       2,490           

Crime                                                                                                                                           $       5,768

Health Care Center (Nursing Home) Liability Endorsement

Personal Injury Coverage 

Health Care Center Liability Endorsement                                                                            $     24,646

                $1,000,000/ Occurrence

                Professional Liability

                $3,000,000/ Aggregate

Total WCMIC Liability Premium (Subject to Escrow Adjustment)                           $342,772

 

PROPERTY COVERAGE                                                 DEDUCTIBLE                     PREMIUM

Buildings, Contents, Property in Open                                            $25,000                                $    80,258

Contractors Equipment                                                                        $5,000                                $  included

Special Use Animal                                                                              $1,000                                 $  included

Automobile Physical Damage

Comp/Collision                                                                         $1,000/$5,000                              $     50,395

Equipment Breakdown                                                                                                               $       4,912                              

TOTAL PREMIUM WCMIC FOR (PROPERTY)                                                                $   135,565

 

WORKERS COMPENSATION COVERAGE                              LIMITS                                 PREMIUM

Accident                                                                                                $ 100,000                              $   included

Disease Exposure                                                                                $ 100,000                              $   included

Maximum Employer Liability                                                           $ 600,000                              $   included          

TOTAL PREMIUM WCMIC WORKERS COMPENSATION SELF-INSURANCE             $130,893

 

*WCMIC provides a significant discount of $33,763 for consolidating the liability, property, and workers

compensation coverages for 2020.

 

Resolution Files: 
PDF icon revised_liability_property_insurance_workers_compensation_insurances_for_2020.pdf

Resolution Body

 

NOW, THEREFORE BE IT RESOLVED, by the Sauk County Board of Supervisors met in regular session, that the above liability, property, and self-insured workers compensation insurance coverage, carriers, and premiums be, and hereby are, adopted for the policy period of January 1, 2020, through December 31, 2020.

 

For consideration by the Sauk County Board of Supervisors on December 17, 2019.

 

Respectfully submitted,

Sauk County Personnel and Insurance Committee

 

_______________________________                      __________________________

Tommy Lee Bychinski, Chair                                    Shane Gibson

 

_______________________________                      __________________________

Carl Gruber                                                                 Pat Rego

 

_______________________________

Tim McCumber

 

Fiscal Note: The above premium costs are included in the 2020 budget. Auto Liability is budgeted as a separate line item in various departments, in accordance with vehicle inventory values. General Liability is charged back to certain departments that can receive additional outside funding with an allocation basis of relative expenditures. Workers Compensation is allocated to departments according to wages budgeted and risk categories.  Property and Equipment Insurance is allocated to the departments based on property and equipment assigned to each department.  Health Care Center Professional Liability and Personal Injury Extension Endorsement are allocated to the Sauk County Health Care Center.

 

Information System Note:    No information system impact.

Requested Board Review Date: 
Tuesday, December 17, 2019
Committee Review 1: 
Pending
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