6.3 Comprehensive Property Casualty Insurance
CITY OF SALINA
REQUEST FOR CITY COMMISSION ACTION
DATE
06/25/07
TIME
4:00 P.M.
AGENDA SECTION
NO:
6
ORIGINATING DEPARTMENT: APPROVED FOR
AGENDA:
CITY MANAGER
ITEM
NO.
3
BY: Jason A. Gage
BY:
ITEM: Resolution No. 07-6410
Authorizing the City Manager to enter into an agreement with Travelers for the renewal of the City's
Comprehensive Property/Casualty Insurance.
Staff has completed our review of the 2007-2008 Comprehensive Property/Casualty Insurance
Program Proposal for the City of Salina. We recommend a continuation of the relationship with
Travelers, the leading provider of property and casualty insurance for public entities in the State of
Kansas. The City of Salina has purchased insurance coverage with Travelers since 2000. Even
though we are pleased with the services and products Travelers has provided, City staff works
annually with our broker (Sunflower Insurance Group) and insurance consultant (Bob Charlesworth)
to carefully evaluate other options available in the insurance marketplace. Our research shows
there are more carriers entering the Kansas public entity market place; however, their appetite is
generally limited to communities with a population under 20,000. Our goal is to obtain both the best
possible services and price for insurance coverage. Once again this year, we are confident we
have accomplished this goal with Travelers.
Due to inflation, the City of Salina increased the building values and business personal property
values 3%. The City's inland marine (equipment) inventory has increased and resulted in a 6%
increase in value. The number of autos as well as their value has also increased resulting in a 5%
increase in auto exposure from the expiring term. To offset these increases, Travelers has applied
additional premium credits on other lines to achieve an overall decrease in premium of $4,268 or
1.3%. (Please see the attached summary). We consider the renewal offering from Travelers to be
competitive and in keeping with industry pricing trends.
Provided below is a breakdown of significant changes for the 2007-2008 policy period:
. Covered property value
$94,781,886, up from last year's total of $91 ,806,026 (3% increase)
. Covered inland marine (equipment) value
$3,390,468, up from last year's total of $3,189,782 (6% increase)
. Auto program covers 255 units, increased from 244 units covered by the expiring policy
. Law Enforcement premium
$42,108, an increase of $5,263 or 14.3%
. Inland Marine premium
$10,265, an increase of $4,920 or 92%
. General Liability premium
$53,890, a decrease of $3,598 or 6.3%
. Auto premium
$75,275, a decrease of $9,503 or 11.2%
. Total premium - $312,561, an overall decrease of $4,268 or 1.3%
CITY OF SALINA
REQUEST FOR CITY COMMISSION ACTION
DATE
06/25/07
TIME
4:00 P.M.
AGENDA SECTION
NO:
6
ORIGINATING DEPARTMENT: APPROVED FOR
AGENDA:
CITY MANAGER
ITEM
NO.
3
BY: Jason A. Gage
BY:
Upon reviewing the attached coverage summary, you will notice the inland marine and law
enforcement liability premiums have increased and this is mostly due to reinsurance cost the carrier
Incurs. To offset these increases, the carrier has applied additional premium credits on other lines
to achieve a total account premium decrease of 1.3%. This action reaffirms the commitment
Travelers has to provide comprehensive coverage at competitive pricing level.
Travelers proposed property renewal rating remains very competitive at 10.4% per $100 in value
with a $10,000 per occurrence deductible. This is still well below the average municipality rate
structure in Kansas of 13.5% per $100 in value with a $25,000 deductible.
Overall, the opinion of Bob Charlesworth and Sunflower Insurance Group is that the City of Salina,
when compared to other municipalities, has extremely competitive rates.
FISCAL NOTE
Insurance premiums are funded through the Risk Management Fund which is an internal service
fund. Premium costs are allocated by the enterprise funds and general fund department operations.
CONCLUSION
When taking into consideration changes throughout the Property/Casualty insurance market, we
are pleased with this insurance renewal and services provided by Travelers and the contributions of
both Sunflower Insurance Group and Bob Charlesworth. The relationship between the City,
Sunflower Insurance Group and Bob Charlesworth has proven to be very beneficial and cost
effective for the City. They both bring to the table many years of experience and the ability to gauge
the market accurately. We believe they also assist greatly in negotiating competitive rates.
Finally, the City's risk management philosophy states that "risk management is every employee's
responsibility." We believe this philosophy has proven to be a very successful approach to reducing
losses and the resulting insurance costs that would otherwise burden our community.
CONFORMANCE WITH THE STRATEGIC PLAN:
GOAL #3: The City will provide the highest quality of services, consistent with Governing Body direction,
available resources and staff commitment to quality.
RECOMMENDATION:
Due to the pending renewal date of June 30, 2007 and the reasonable cost of coverage as provided,
staff recommends approval of Resolution No. 07-6410 authorizing the City Manager to enter into an
agreement with Travelers for renewal of the City's Comprehensive Property/Casualty Insurance in
the total amount of $315,200.
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