APPROVING LIABILITY, PROPERTY AND WORKERS COMPENSATION INSURANCE COVERAGE, CARRIERS AND PREMIUMS FOR SAUK COUNTY FROM JANUARY 1, 2016 to JANUARY 1, 2017

WHEREAS, your Property and Insurance Committee has reviewed the 2015 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 interests of the County:

COVERAGE / DEDUCTIBLE / LIMITS PREMIUM
General and Auto Liability 
 General Liability  $120,825.00
  $10,000 occurrence
  $75,000 aggregate
  $10,000,000 
 Uninsured Motorists $ (included)
  $10,000 occurrence
  $25,000 person
  $50,000 occurrence 
 Automobile Liability $120.825.00
Health Care Center Personnel
Personal Injury Coverage $7,278.00
   $10,000 occurrence
   $75,000agg
  $5,000,000 
 Health Care Center $ (included)
    $1,000,000/ Occurrence
  Professional Liability
   $1,000,000 / Occurrence
   $3,000,000/ Aggregate
Special Exposures $ 864.00
Total WCMIC Liability Premium (Subject to Escrow Adjustment) $249,791.00
Deductible Fund Escrow (Subject to Adjustment)               $11,895.00

and;

WHEREAS, your Property and Insurance Committee has reviewed the 2016 premiums for Property Insurance for Sauk County and does recommend the Property Insurance coverage for Sauk County from a Licensed Property Insurance Carrier in the State of WI. and does recommend the following as being in the best interest of the County:

COVERAGE    DEDUCTIBLE   PREMIUM
Buildings and Contents   $25,000    $63,029
Contractors Equipment   $5,000    Included
Automobile Physical Damage  $1,000/$5,000   $32,055
Other Coverage        Included
TOTAL WCMIC PREMIUM       $95,084

and;

WHEREAS, your Property and Insurance Committee has reviewed the renewal for the 2015 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

Wisconsin County Mutual Self Insurance Administration Fee $23,000.00
(Administration fee covers WCMIC wages & cost to administer the program)
Wisconsin County Mutual Reinsurance Fee $30,770 .00
(Insurance policy that WCMIC purchases – Covers the County if an individual claim
 exceeds $50,000 and /or policy year total losses exceed $500,000)
Wisconsin County Mutual Risk Bearing Fee  $50,000.00
(Flat Fee for WCMIC to run our program)
TOTAL PAYMENT TO WCMIC FOR SELF INSURANCE  $103,770.00

NOW, THEREFORE BE IT RESOLVED, by the Sauk County Board of Supervisors met in regular session, that the above insurance coverage and premiums be, and hereby are, adopted for the policy period of January 1, 2016, through January 1, 2017.

For consideration by the Sauk County Board of Supervisors on October 20th, 2015.

Respectfully submitted,
Sauk County Property and Insurance Committee

_______________________________  __________________________
Scott Von Asten, Chair                         Nathan Johnson

_______________________________  __________________________
John Deitrich                                        Jeffrey P. Giebel

_______________________________
William Hambrecht

Fiscal Note:  The above premium costs are included in the 2016 proposed 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.  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.