Liability Premium Analysis

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                 Property/Liability Premium Analysis
There are numerous factors that affect the cost to the County of insuring its liability losses. Some factors are the cycles in the insurance market; whether the insurance market is "hard" (causing higher premiums) or "soft" (causing a reduction in premiums). Other factors involve the County's loss history and risk management efforts.

Analyzing the history of the County's payments for liability insurance gives the viewer an idea of the market changes. It also helps the Risk Director determine whether increases/decreases are due to normal market fluctuations (if increases/decreases follow the corresponding changes in the market) or are being caused by less than stellar performance by the County in the area of loss (if increases/decreases do not follow changes in market).

After opening the Property/Liability Analysis chart on this page, click on the "Liability" button at the top right legend to display the County's liability premium costs for the fiscal years of 1995 through 2014. Hover your mouse pointer over the specific years in the bar chart to display the premium costs for that year. You can also view the property insurance premium by clicking on the "Property" button.

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