Summary
This document is an insurance proposal packet submitted to the Leelanau Township Board (meeting date May 13, 2025) by the Ted Hartleb Agency, offering renewal of the township's Michigan Municipal Insurance Coverage through EMC Insurance Company for the policy period May 24, 2025 to May 24, 2026. The document itself contains no minutes of board discussion, motions, or votes; it is a coverage and premium proposal for the Board's consideration and signature. No agenda items such as public comment, affordable housing, parks and recreation, or infrastructure projects appear to have been discussed in this material.
Financial Summary
The proposal quotes a total annual premium of $36,031 for the comprehensive package, covering General Liability, Errors and Omissions, Property (including Boiler and Machinery), Inland Marine, Electronic Data Processing, Auto Liability, Crime, Bond, and Umbrella coverage. Workers' Compensation is listed as "not quoted at this time."
Key coverage limits include a blanket property limit of $8,001,957, a $1,000,000 per-occurrence/$3,000,000 aggregate general liability limit, $1,000,000 per-occurrence/$2,000,000 aggregate Errors and Omissions coverage, and a $2,000,000 Umbrella limit. The combined total insured value across all township properties (Township Hall, Fire Halls, Woolsey Airport buildings, Bramen Hill Rec Area, Peterson Park, Omena Park, Christmas Cove, Omena Hillcrest Cemetery, Leelanau Cemetery, and storage facilities) is $7,303,579, plus a separately-valued Signal Shack at Woolsey Airport insured at $24,774 actual cash value.
Optional add-on coverages presented for Board decision include: Umbrella increase to $3,000,000/$3,000,000 for an additional $606; Public Official Liability monetary damage coverage for zoning at $750,000 ($230) or $1,000,000 ($489); and Cyber Suite Elite coverage at $100,000 (with sub-limits) for $917, noted as included in the total premium. The acceptance form indicates the Board must select and sign off on which optional limits to adopt, with blank fields for initials, chosen limits, and premium adjustments still to be completed.
Action Items
- Township Board to review and sign the Acceptance of Insurance Proposal, selecting which optional coverages (Cyber Suite Elite, Umbrella increase, Monetary Damage/zoning coverage) to adopt before the May 24, 2025 effective date.
- Township is advised to confirm Designated Values versus full replacement cost for scheduled fire/emergency vehicles with manufacturers, as it is the municipality's responsibility to determine adequate vehicle values.
- Agency recommends the township review Business Income and Extra Expense exposure limits with Board approval, and consider whether to add Cyber Liability protection given growing litigation risk for municipalities.