In a recent meeting held on June 30, 2025, the Rogers County Board of County Commissioners (BOCC) addressed significant updates regarding the county's insurance policies, reflecting broader trends in property and liability coverage amid rising costs.

The discussion began with a presentation on the county's property insurance, highlighting an inflation guard that increases property values by 4% annually. This adjustment has led to a notable increase in the county's total insured value, which is approaching $150 million. The implications of this rise are significant, as the increasing frequency and severity of claims—often referred to as "hundred-year storms" now occurring every 30 years—are contributing to higher insurance rates across Oklahoma.

The county's law enforcement legal liability insurance was also a focal point, with changes set to take effect on November 1. The per occurrence limit will double from $125,000 to $250,000, and the umbrella policy limit will increase from $1 million to $2 million. These adjustments are in preparation for new governmental tort limits, which will enhance the county's coverage in the event of serious incidents.

Rogers County's population, currently around 100,000, is nearing the threshold that would classify it as a large county, which would further increase liability exposure and caps. However, officials noted that the county remains below this threshold for now, alleviating immediate concerns.

Additionally, the meeting addressed discrepancies in the county's auto insurance schedule, which could affect premiums. The insurance team is working to clarify vehicle changes that may impact costs. Despite these adjustments, the overall annual renewal premium for the county remains at approximately $2 million, which includes various liabilities and coverage for different departments.

The commissioners acknowledged the rising costs associated with insurance, noting that this year's increase was more pronounced than in previous years, attributed to a combination of factors including property acquisitions and rate hikes. The board approved the county property insurance renewal with Burrows agents, emphasizing the importance of understanding these changes in the context of the county's financial planning.

In a subsequent discussion, Bank First presented the renewal of the workers' compensation policy for the upcoming fiscal year. The bank successfully negotiated a flat locked rate, with the only premium increase stemming from higher payroll figures, while maintaining the same rates per class code.

Overall, the meeting underscored the challenges Rogers County faces in managing insurance costs amid changing economic conditions and demographic shifts. As the county prepares for these adjustments, officials remain focused on ensuring adequate coverage while navigating the complexities of rising premiums.