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LETTER to the DECATUR CITY COUNCIL <br /> Finance Department <br /> DATE: September 15, 2026 <br /> TO: Honorable Mayor Moore Wolfe and <br /> City Council <br /> FROM: Melissa Hon, City Manager <br /> Michele Anderson, Finance Director <br /> Brian Hastings, Risk Manager <br /> SUBJECT: Items 1 through 9 Risk Management Property, Liability, Workers <br /> Compensation for the City with Policy Year Starting October 1, 2026, <br /> through October 1, 2027 <br /> SUMMARY RECOMMENDATION <br /> City Administration recommends City Council approval of the attached resolution(s) authorizing <br /> insurance coverage for property and casualty, liability, cyber, crime, and workers compensation <br /> for the period October 1, 2026, through October 1, 2027. <br /> BACKGROUND <br /> The Risk Management program of the City of Decatur includes a series of Self-Insured and <br /> excess coverage policies securing the property and casualty, liability, cyber, crime and worker's <br /> compensation risks of the organization. <br /> The City has long maintained a self-insured position with excess insurance coverage at levels <br /> deemed to be affordable and appropriate in protecting the City from risk. <br /> The City has an insurance broker and advisory agreement with Arthur J. Gallagher. Under this <br /> agreement Arthur J. Gallagher provides broker services including shipping for insurance <br /> offerings and pricing, advisory services including evaluation and recommendation of coverage <br /> levels and insurance products, advisory services in risk management matters, and loss mitigation <br /> services. This agreement has been in place since 2014 and further includes a broker/advisor <br /> relationship with AJG and its predecessors. <br /> Existing Coverage—The City's expiring insurance program includes: <br /> Property insurance—coverage limit of$200,000,000 per occurrence with a$50,000 SIR or deductible, <br /> Auto physical damage insurance—coverage limit of$18,287,290 with a$100,000 SIR or deductible. <br /> Liability insurance—coverage limit of$15,000,000 per occurrence with a$250,000 SIR or deductible, <br /> Business auto liability—coverage limit$5,000,000 per accident with a$250,000 SIR or deductible, <br /> Workers Compensation insurance—coverage limit of$3,000,000 with a$300,000 SIR or deductible, <br />