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GIRARD —
Ray Ryan of Ryan Insurance made his annual visit Friday to the Crawford County Commission to present the 2013 insurance package.
The policy, with EMC Insurance Companies, is due to renew on Jan. 14. Covered are structures owned by the county, vehicles, a huge amount of county equipment, not to mention general liability coverage for law enforcement and the commissioners and workers compensation.
The longtime agent had some good news for commissioners.
“Liability was $38,000, and now it’s down to $30,873,” Ryan said. “Our property rates went up $2,000, but that’s a lot lower than everybody else.”
Workers compensation is always the biggest loss, and over the past three years the county has had a total incurred loss of $486,138 in this area.
“Most companies will not write workers compensation under any circumstances,” Ryan said.
However, he added that Crawford County’s workers compensation, based on pay scale, has seen a 3 percent reduction from 1.21 to 1 1/8th.
“Our current year is the best year ever,” Ryan said.
He cited figures to prove it. In 2010-2011, the county’s written premium was $393,115 and its gross incurred loss was $382,748. In 2011-2012, the written premium increased to $430,645 and the gross incurred loss jumped to $618,887.
But in the most recent year, 2012-2013, the written premium was $448,732 and the gross incurred loss had a substantial drop to $175,963.
Commissioner Linda Grilz suggested that safety classes for employees might further reduce job-related injuries and, in turn, workers comp claims.
“It might make them think before they just jump off a piece of equipment,” she said.
“You’ve got to take your time around heavy equipment and be aware,” Ryan said. “And when an employee is cleared by the doctor to come back to work on light duty, any insurance agent will tell you to get them back to work as fast as you can.”
The agent noted that the county did get a dividend check for $43,921.26 in August.
“I wouldn’t be surprised if we get another check next year,” Ryan said. “We’ve been getting checks every year, and that makes me feel wonderful.”
Commissioners voted to renew their policy with EMC Companies through Ryan, and Grilz commended Ryan for his work to get the county the best coverage at the best price.
The Friday session also included a public hearing on vacating a platted street on the original map of Chicopee. Though platted, the street was never actually opened, and has been used as a driveway.
Ray Ryan of Ryan Insurance made his annual visit Friday to the Crawford County Commission to present the 2013 insurance package.
The policy, with EMC Insurance Companies, is due to renew on Jan. 14. Covered are structures owned by the county, vehicles, a huge amount of county equipment, not to mention general liability coverage for law enforcement and the commissioners and workers compensation.
The longtime agent had some good news for commissioners.
“Liability was $38,000, and now it’s down to $30,873,” Ryan said. “Our property rates went up $2,000, but that’s a lot lower than everybody else.”
Workers compensation is always the biggest loss, and over the past three years the county has had a total incurred loss of $486,138 in this area.
“Most companies will not write workers compensation under any circumstances,” Ryan said.
However, he added that Crawford County’s workers compensation, based on pay scale, has seen a 3 percent reduction from 1.21 to 1 1/8th.
“Our current year is the best year ever,” Ryan said.
He cited figures to prove it. In 2010-2011, the county’s written premium was $393,115 and its gross incurred loss was $382,748. In 2011-2012, the written premium increased to $430,645 and the gross incurred loss jumped to $618,887.
But in the most recent year, 2012-2013, the written premium was $448,732 and the gross incurred loss had a substantial drop to $175,963.
Commissioner Linda Grilz suggested that safety classes for employees might further reduce job-related injuries and, in turn, workers comp claims.
“It might make them think before they just jump off a piece of equipment,” she said.
“You’ve got to take your time around heavy equipment and be aware,” Ryan said. “And when an employee is cleared by the doctor to come back to work on light duty, any insurance agent will tell you to get them back to work as fast as you can.”
The agent noted that the county did get a dividend check for $43,921.26 in August.
“I wouldn’t be surprised if we get another check next year,” Ryan said. “We’ve been getting checks every year, and that makes me feel wonderful.”
Commissioners voted to renew their policy with EMC Companies through Ryan, and Grilz commended Ryan for his work to get the county the best coverage at the best price.
The Friday session also included a public hearing on vacating a platted street on the original map of Chicopee. Though platted, the street was never actually opened, and has been used as a driveway.
Appearing at the meeting to speak in favor of vacating the street were Theresa Hamblin, who owns a shop in the area and wants to build a storage building, and Connie Penor, who wants to put up a car port. They wanted to be sure those activities would be legal.
The commission approved vacating the street, and county counselor Jim Emerson said he would file the decision with the register of deeds office.
“Now we can more forward with our plans,” Penor said.
The commission will meet and reorganize Monday at 10 a.m. or immediately following the swearing-in ceremony. The regularly scheduled Tuesday commission meeting will be canceled.
