The Saline County Commission is evaluating a potential return to the commercial insurance market after learning about anticipated premium increases from their current provider, KCAMP (Kansas County Association of Multiline Pool).
During Tuesday's meeting, Deputy County Administrator Hannah Bett presented information about possible insurance options for 2026. Bett explained that the county moved to KCAMP in July 2024 after commercial market rates became "completely cost prohibitive." However, KCAMP recently notified the county that they anticipate a 15% increase in contributions for 2026, which would represent nearly a $100,000 increase over the 2025 contribution.
This substantial increase prompted county staff to explore alternatives in the commercial insurance market with assistance from Iron Insurance. Mark Skidmore from Iron Insurance Partners attended the meeting as commissioners reviewed comparative proposals from Travelers and CHUB insurance companies.
According to Bett, if the 15% KCAMP increase becomes reality, the county's contribution would rise to $746,415 for 2026, while the county has only budgeted $669,000 across all funds for insurance. In contrast, the commercial market proposal would cost approximately $586,723, potentially saving the county around $200,000 compared to the projected KCAMP rate.
Bett noted that coverage limits between the proposals are "very similar," but deductibles would change significantly, especially for property insurance. The commercial market option would shift to percentage-based deductibles that vary by property type, such as the $89 million jail and $5 million senior center.
Multiple commissioners expressed support for returning to the commercial market. County Administrator Phillip Smith-Hanes noted that while deductibles would increase, keeping the savings in the insurance line item would provide funds to cover those higher deductibles when claims occur.
If the commission decides to make the switch, notification must be provided to KCAMP by November 1st. Bett indicated that staff would likely bring a consent agenda item to next week's meeting for formal approval.
The commission took no official action on the insurance matter during Tuesday's meeting.
