To: Board of Supervisors
From: Susan Brajkovic, Director of Risk Management
Report Title: Authorize the Contra Costa County In-Home Supportive Services Public Authority to join the Golden State Risk Management Authority Insurance Pooling Program and withdraw from the Public Risk Innovation, Solutions, and Management Joint Powers Authority GL 1 Insurance Pooling Program.
?Recommendation of the County Administrator ? Recommendation of Board Committee
RECOMMENDATIONS:
Acting in its capacity as the governing board of the Contra Costa County In-Home Supportive Services Public Authority (IHSS PA), ADOPT Resolution to approve and authorize the Director of Risk Management, or designee, to execute on behalf of the IHSS PA the Joint Exercise of Powers Agreement, the Agreement for Admission of New Member and all agreements and related documents necessary for the IHSS PA to secure coverage from and effectuate membership in the Golden State Risk Management Authority (GSRMA) insurance pooling program effective July 1, 2026; and to withdraw the IHSS PA from the Public Risk Innovation, Solutions, and Management Joint powers Authority GL1 (PRISM GL 1) insurance pooling program, effective July 1, 2026.
FISCAL IMPACT:
There is no impact to the County General Fund. Costs will be funded through the Risk Management Internal Service Funds.
The deductible structure under GSRMA is substantially more favorable than the PRISM GL1 deductible structure, which will increase from $10,000 to $100,000, reducing exposure to uninsured losses and providing greater cost stability. For comparison, the renewal premium for the existing PRISM GL1 program at a $100,000 self-insured retention in $137,000, whereas the premium for the GSRMA program at a $0 deductible/self-insured retention is $155,961.
BACKGROUND:
The purpose of this item is to authorize the IHSS PA to change its risk financing program from participation in the PRISM GL 1 general liability insurance pool to participation in the GSRMA ...
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