€100,000,000 Cirsa Funding Luxembourg S.A. 8.750% Senior ...
MEMBER REPORT 2016 - CIRSA
Transcript of MEMBER REPORT 2016 - CIRSA
TABLE OF CONTENTS
5
An equity position that’s held strong
8
Through the years: CIRSA turns 35
9 10 11
14
2016 Board of Directors 15
Reflecting on the past, focused on the future
3
2016 at-a-glance: Staying ahead of member needs
Setting the standard in loss control
4
Rates you can depend on
76
A look at the numbers
Strength and growth, from the beginning to today
From carrier of necessity to carrier of choice
The best team in risk management
12
Decades of dedication to members
13
Looking ahead to what’s next
It’s hard to believe that 2017 marks the 35th anniversary of CIRSA.
Since our first 18 members joined us in 1982, we’ve grown in many ways.
When we started, CIRSA was the only coverage option for municipalities.
Today, there are choices—but over 270 public entities across Colorado trust
us to meet their risk management needs.
You’ve driven us to pave the way and innovate our services, from better
technology and training (like our CIRSA mobile app, online claims system,
and onsite and online safety courses) to continually expanding our
coverages (we added more excess coverage in 2016).
We’re proud to be your insurance provider, and look forward to serving you
for many years to come.
Chris Krall Executive Director
REFLECTING ON THE PAST, FOCUSED ON THE FUTURE
LETTER FROM EXECUTIVE DIRECTOR
3
Whether it’s improved technology, more training resources, or better coverage,
we remain committed to putting you and
your entity first.
2016 AT-A GLANCE: STAYING AHEAD
OF MEMBER NEEDS
New Safety Matters short videosOur Safety Matters videos have always been popular with members, so we created two more. We added Employment Liability and Elected Officials’ Liability to our video library in 2016.
CIRSA mobile app for AndroidNow, you’ve got options. Access our CIRSA mobile app from your Android or iOS device. Report and track hazards, and view safety videos and tips, whether on the job or in the field.
Safety quiz successOnce again, you didn’t disappoint when it came to showing your dedication to safety. Members from 174 entities completed 4,260 safety quizzes in 2016. That’s 64% of all members! Even more impressive? There was an 83% increase in the number of quizzes taken between 2015 and 2016.
Enhancements to our online claims systemWe not only focused on implementing our new Origami system, but also on how we could make it even better. The new custom reports feature helps you identify claims trends and high-claim areas.
Excess coverage renewalsWe met with a lot of reinsurers last year to find the best—and it paid off. CIRSA excess coverage rates for workers’ compensation decreased, and property/casualty stayed the same in 2017.
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125
MEM
BER
S TR
AIN
ED
seve
nIC
E D
RIVI
NG
CLA
SSES
CO
ND
UC
TED
Redu
cing
loss
es re
quire
s a
partn
ersh
ip—
one
that
we’
ve fo
rged
with
mem
bers
fo
r dec
ades
. Her
e’s
wha
t we
achi
eved
toge
ther
in 2
016.
16RE
GIO
NAL
HAZ
OPS
SE
SSIO
NS
CON
DU
CTE
D
oneSE
TTIN
G T
HE
STAN
DAR
D IN
LO
SS C
ON
TRO
L 261
PAR
TIC
IPA
NT
S IN
TH
E SI
GM
A
LAW
EN
FORC
EMEN
T
HEA
LTH
INIT
IATI
VE
pote
ntia
lly fa
tal h
eart-
re
late
d co
nditi
ons
ca
ught
and
trea
ted
of c
umul
ativ
e
poun
ds lo
st
12sa
fety
foru
m a
nd p
olic
e lia
bilit
y m
eetin
gs
offe
red,
cov
erin
g to
pics
from
dro
ne s
afet
y
to m
embe
r bes
t pra
ctic
es
polic
e sy
mpo
sium
hel
d,
cove
ring
stat
e-m
anda
ted
to
pics
requ
ired
by H
B-12
87,
allo
win
g m
embe
rs to
com
plet
e tra
inin
g ei
ght m
onth
s be
fore
th
e st
ate
dead
line
new
saf
ety
and
polic
e-sp
ecifi
c on
line
train
ing
cour
ses
adde
d, fo
r a 4
1%
mem
ber u
se in
crea
se
MO
RE
THAN
CLO
SE T
OO
VER
onlin
e co
urse
s co
mpl
eted
by
mem
ber e
mpl
oyee
s
onsi
te c
ours
es o
ffere
d
at m
embe
r loc
atio
ns
+
6
100s
5
A LOOK AT THE NUMBERS
CIRSA is built on a strong foundation—
and our solid financial position will continue to
drive us forward.
Operating revenues: 2016 2015
Member contributions earned (net of excess insurance and investment income reinsurance premiums and brokerage commissions of $6,756,472 and $7,555,151 in 2016 and 2015, respectively) $25,507,505 $24,522,524
Total operating revenues 25,507,505 24,522,524
Operating expenses:Losses and loss adjustment expenses 12,799,989 18,739,789General and administrative 8,553,629 8,169,134
Total operating expenses 21,353,618 26,908,923
Operating income (loss) 4,153,887 (2,386,399)
Nonoperating revenue: Net investment income 875,367 942,786
Income (loss) before distributions 5,029,254 (1,443,613)
Distributions and credits to members and withdrawn members (574,075) (734,747)
Increase (decrease) in net position 4,455,179 (2,178,360)
Net position, beginning of year 46,744,357 48,922,717
Net position, end of year $51,199,536 $46,744,357
6
While there are ebbs and flows, our equity position overall has steadily climbed through the years—even as we added new members. Today, we remain strong. Our equity helps
keep our pool rates stable and deliver coverage that meets your needs.
AN EQUITY POSITION THAT’S HELD STRONG
60,000,000
50,000,000
40,000,000
30,000,000
20,000,000
10,000,000
0
250
150
200
50
100
19821983
19841985
19861987
19881989
19901991
19921993
19941995
19961997
19981999
20002001
20022003
20042005
20062007
20082009
20102011
20122013
20142015
2016
EQ
UIT
YM
EM
BE
RS
7
We started with 18 founding members in 1982 and now 83% of Colorado municipalities are members of CIRSA.
Our Property/Casualty and Workers’ Compensation rates have decreased or remained steady over the past four years. And you’ve taken notice—we had a 99.6% renewal in the PC pool and a 100% renewal in the WC pool for 2017.
RATES YOU CAN DEPEND ON
PC Rate Changes 2014-2017 WC Rate Changes 2014-2017
2014 2015 2016 20172014 2015 2016 2017
-0.90%
-1.80%-1.30%
-2.80%-2.20%
-13.10%
-5.30%
8
-0.90%
0
-5
-10
0
-5
-10
COLO
RA
DO
COLO
RA
DO
THRO
UG
H T
HE
YEAR
S: C
IRSA
TU
RN
S 35
2017
CIR
SA S
TAFF
47
MEM
BER
S 27
2
1982
CIR
SA S
TAFF
2
MEM
BER
S 18
CIR
SA s
tarte
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ith ju
st tw
o st
aff m
embe
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oday
, we
have
47—
a
num
ber t
hat h
as re
mai
ned
stea
dy fo
r 10
year
s, e
ven
with
the
addi
tion
of
33
new
mem
bers
. Thr
ough
adv
ance
men
ts in
tech
nolo
gy a
nd p
eopl
e w
ho
are
expe
rts a
t wha
t the
y do
, we’
re a
ble
to k
eep
our o
pera
ting
cost
s lo
w,
so w
e ca
n pa
ss th
ose
savi
ngs
on to
you
.
A H
ISTO
RY O
F W
OR
KIN
G S
MAR
T AN
D L
EAN
, SO
YO
UR
CO
STS
STAY
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embe
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STR
ENG
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GRO
WTH
, FRO
M T
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BEG
INN
ING
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TO
DAY
10
FRO
M C
ARR
IER
OF
NEC
ESSI
TY T
O C
ARR
IER
OF
CH
OIC
E
Whe
n C
IRSA
was
form
ed in
198
2, w
e ha
d 18
mem
bers
in o
ur
Prop
erty
/Cas
ualty
poo
l. To
day,
we
have
268
. Our
Wor
kers
’ Com
pens
atio
n
pool
has
als
o gr
own
from
41
mem
bers
in 1
988
to 1
41 to
day.
See
wha
t som
e of
our
new
and
exp
andi
ng m
embe
rs h
ave
to s
ay.
I hav
e be
en in
volv
ed w
ith C
IRSA
in m
any
capa
citie
s ov
er m
y ye
ars
in lo
cal g
over
nmen
t, an
d I t
ruly
bre
athe
d a
sigh
of r
elie
f kno
win
g th
at a
s a
Dow
ntow
n D
evel
opm
ent A
utho
rity
(DD
A), t
he C
ity o
f Lo
vela
nd c
ould
spo
nsor
us
into
CIR
SA fo
r ins
uran
ce.
The
CIR
SA s
taff
is n
ext t
o no
ne. T
hey
are
extre
mel
y kn
owle
dgea
ble
and
help
ful,
thei
r tra
inin
g pr
ogra
ms
and
acce
ss to
trai
ning
hav
e be
en g
reat
(es
peci
ally
dea
ling
with
vol
unte
er b
oard
s), a
nd if
w
e’ve
had
que
stio
ns a
bout
our
cov
erag
e, li
abili
ty, e
tc. t
hrou
ghou
t th
is p
ast y
ear,
they
’ve
been
righ
t the
re w
ith u
s gu
idin
g us
thro
ugh
it al
l. H
ones
tly, h
avin
g C
IRSA
on
my
side
giv
es m
e gr
eat c
omfo
rt!
– Ja
cque
Wed
ding
-Sco
tt, E
xecu
tive
Dir
ecto
r, Lo
vela
nd D
ownt
own
Dev
elop
men
t Aut
hori
ty
CIR
SA h
as a
pro
ven
track
reco
rd. T
heir
outs
tand
ing
cust
omer
se
rvic
e, e
ffect
ive
man
agem
ent,
risk-
redu
cing
edu
catio
nal p
rogr
ams,
an
d ex
perie
nced
, ded
icat
ed te
am p
rodu
ce re
sults
for i
ts m
embe
rs.
We
appr
ecia
te th
at C
IRSA
sta
ff ta
kes
time
to in
vest
igat
e is
sues
and
of
fer r
esou
rces
to m
inim
ize
risk.
– H
arry
Pat
el, F
inan
ce D
irec
tor,
City
of C
ãnon
City
Mt.
Cre
sted
But
te h
as b
een
a m
embe
r of C
IRSA
for p
rope
rty/
casu
alty
insu
ranc
e fo
r as
long
as
I rem
embe
r. W
e al
so h
ad
wor
kers
’ com
pens
atio
n in
sura
nce
for m
any
year
s, b
ut h
ad to
go
els
ewhe
re d
urin
g th
e 20
08 e
cono
mic
dow
ntur
n. H
owev
er,
the
rate
s sl
owly
gre
w, a
nd a
fter a
few
yea
rs w
e tra
nsiti
oned
bac
k to
CIR
SA.
We’
re e
xtre
mel
y pl
ease
d w
ith th
e co
mm
unic
atio
n an
d tim
ely
serv
ice,
as
wel
l as
the
cost
for t
he T
own.
Whe
n w
e le
ft C
IRSA
, it
was
pur
ely
to re
duce
the
Tow
n’s
expe
nses
. We’
ve a
lway
s be
en
happ
y w
ith C
IRSA
’s s
ervi
ce a
nd lo
ok fo
rwar
d to
con
tinui
ng to
w
ork
toge
ther
into
the
futu
re.
– Jo
e Fi
tzpa
tric
k, T
own
Man
ager
, Tow
n of
Mt.
Cre
sted
But
te
Man
y of
our
mem
bers
hav
e w
orke
d w
ith u
s a
long
tim
e. F
ind
out w
hy
they
join
ed, a
nd h
ear s
ome
of th
eir f
avor
ite m
emor
ies
thro
ugho
ut th
e ye
ars.
We
wan
ted
to w
ork
with
CIR
SA fr
om th
e be
ginn
ing
beca
use
we
wer
e ve
ry in
tere
sted
in th
is n
ew a
ppro
ach
to s
harin
g ris
k. It
had
th
e po
tent
ial t
o sa
ve o
ur c
omm
uniti
es m
oney
, whi
ch c
ould
be
put
tow
ard
serv
ice
deliv
ery.
I w
as o
n th
e C
IRSA
Boa
rd w
hen
the
staf
f w
as re
ally
qui
te s
mal
l, fro
m 1
984
to 1
989.
In th
ese
early
yea
rs, t
he
Boar
d an
d st
aff h
ad m
any
chal
leng
es a
s w
e w
orke
d to
geth
er to
bui
ld
a pr
oduc
t tha
t ser
ved
the
com
mun
ities
but
did
n’t p
rice
out e
ither
the
smal
l tow
ns o
r lar
ge c
ities
. Sta
ff w
as re
ally
terri
fic a
nd s
uppo
rtive
as
we
wor
ked
thro
ugh
tryin
g to
dev
elop
this
new
via
ble
prog
ram
that
m
ade
finan
cial
sen
se a
nd a
chie
ved
the
goal
to p
rovi
de a
dequ
ate
cove
rage
.I a
lso
rem
embe
r how
pos
itive
Tim
Gre
er (
form
er E
xecu
tive
Dire
ctor
) w
as th
at C
IRSA
wou
ld g
row
and
be
succ
essf
ul. T
o de
mon
stra
te th
at
confi
denc
e, h
e w
ent o
ut a
nd g
ot a
per
sona
lized
lice
nse
plat
e th
at
said
“al
l 200
”—m
eani
ng h
e in
tend
ed to
hav
e al
l the
citi
es a
nd to
wns
in
Col
orad
o be
com
e m
embe
rs o
f CIR
SA.
Ove
r the
yea
rs C
IRSA
ha
s co
ntin
ued
to c
hang
e an
d ad
apt t
o gr
owth
and
new
cha
lleng
es
and
the
staf
f exp
ertis
e ha
s co
ntin
ued
to e
xpan
d to
hel
p us
bet
ter
man
age
risk.
– Jo
yce
Hun
t, A
ssis
tant
City
Man
ager
, City
of T
horn
ton
I’ve
wor
ked
with
CIR
SA a
long
tim
e—ov
er 3
0 ye
ars!
I w
as a
t Hol
yoke
w
hen
we
beca
me
inte
rest
ed in
wor
king
with
CIR
SA. T
hey
had
a gr
eat s
taff—
peop
le w
ho c
ame
from
our
tow
ns a
nd c
ities
and
kne
w
wha
t we
wer
e ab
out a
nd w
hat w
e ha
d to
dea
l with
. The
insu
ranc
e w
as ta
ilore
d to
fit u
s. T
he p
rice
was
(an
d st
ill is
) gr
eat,
too.
I rem
embe
r tha
t our
saf
ety
mee
tings
and
the
annu
al m
eetin
g w
ere
alw
ays
held
at t
he G
lend
ale
Fire
Sta
tion
and
wer
e ca
tere
d by
Le
Peep
. Tim
Gre
er to
ld e
very
one
to g
et th
eir d
esse
rt fir
st b
ecau
se
they
had
the
best
des
serts
. Tim
alw
ays
knew
eve
ryon
e’s
nam
e an
d st
ory.
Llo
yd’s
of L
ondo
n w
as o
ur e
xces
s ca
rrier
at t
he ti
me
and
they
w
ould
com
e an
d pr
esen
t at t
he a
nnua
l mee
ting
whi
ch w
as v
ery
impr
essi
ve!
Back
then
our
big
gest
cha
lleng
e w
as a
sm
all m
embe
rshi
p an
d lo
ok
at u
s no
w! T
he o
lder
I ge
t, th
e yo
unge
r the
CIR
SA s
taff
gets
, and
th
ere’
s m
ore
and
mor
e th
at th
ey a
re ta
king
on.
But
the
impo
rtant
th
ing
is C
IRSA
is th
ere
whe
n yo
u ne
ed th
em c
ome
hail,
sno
w, h
igh
wat
er o
r leg
al is
sues
.
– A
llen
Coy
ne, T
own
Man
ager
, Tow
n of
Jul
esbu
rg
BU
ILD
ING
MEM
BER
REL
ATIO
NSH
IPS
THAT
LAS
T
11
EXECUTIVEChris Krall, CSP, ARM, CPCU Executive Director
Mary Beth Brown Executive Assistant
GENERAL COUNSEL/DEPUTY EXECUTIVE DIRECTOR Tami A. Tanoue, J.D.
CLAIMS Mike Wagner, SCLA Claims Manager
Dianne Hall PC Claims Supervisor
Marla Myers WC Claims Supervisor
Trace Fieseler Risk Technology Officer
Susan M. Eisenhoffer Senior PC Claims Representative (Montrose Office)
Nile D. Knez, CCLA Senior PC Claims Representative
Bruce McKenney, SCLA, AIC Senior PC Claims Representative
Anthony Moore Senior Multi-Line Claims Representative
Kevin Pitts Senior WC Claims Examiner
Bethany Ross Senior PC Claims Representative
Craig Stevens Senior PC Claims Representative
Lara Wilber Senior Claims Representative
Rob Forster WC Claims Examiner
Beverly Perry PC Claims Representative
Amanda Longacre Administrative Clerk
Linda Murphy Administrative Clerk
UNDERWRITINGJill Padbury Underwriting Manager
Jessica M. Cowlishaw Senior Underwriting Representative
Debbie Coleman Senior Underwriting Representative
Catherine Wegman Underwriting Representative
Monique Ferguson Administrative Assistant, Underwriting
FINANCE Patrick Priest, CPA, ARM-P Assistant Director/Chief Financial Officer
Marie Stephens Human Resources Coordinator
Jennifer Keller, CPA Accounting Supervisor
Luke Driscoll Accountant
Layla Bussard Accounting Technician
Jo Moeller Administrative Clerk
Meghan Green Accounting Clerk
Christine Parker Receptionist
INFORMATION TECHNOLOGYDavid Beacham Information Technology Manager
Erik Schriewer Senior System Administrator
LOSS CONTROL Greg Barlow, CSP, CET Loss Control Manager
Jay Williamson, CSP, ARM, ALCM, CHCM Loss Control Supervisor
Rory Queenan Training and Development Coordinator
Cristina Barthle, CIH, CSP Senior Loss Control Representative
Larry Cardamone, CSP Senior Loss Control Representative (Montrose Office)
John Colvin, CIH, CSP Senior Loss Control Representative & Industrial Hygienist
Bob Pomeroy, CRM Senior Loss Control Representative
Marji Tribbett Training Specialist I
Channa Chavez Administrative Assistant, Loss Control
MARKETING/MEMBERSHIP SERVICES Courtney Fagan, ARM Marketing Manager
Stephen Dellerba Senior Marketing Representative
Destiny Johnson Administrative Assistant, Marketing
THE BEST TEAM IN RISK MANAGEMENT
12
Mar
ie S
teph
ens
H
uman
Res
ourc
es C
oord
inat
or Y
ears
of s
ervi
ce: 1
Why
CIR
SA?
I spe
nt y
ears
wor
king
with
CIR
SA a
t the
City
of D
uran
go. I
und
erst
and,
app
reci
ate,
an
d va
lue
the
serv
ice
CIR
SA p
rovi
des
our m
embe
rs. M
any
issu
es w
ere
avoi
ded
an
d m
itiga
ted
that
sav
ed th
e C
ity a
lot o
f mon
ey. E
very
one
that
I ha
d co
me
in c
onta
ct
with
whi
le w
ith th
e C
ity w
as e
xtre
mel
y kn
owle
dgea
ble
and
prof
essi
onal
. It w
as tr
uly
a
partn
ersh
ip—
and
I’m h
appy
to s
till b
e pa
rt of
it!
Rob
Fors
ter
Wor
kers
’ Com
pens
atio
n C
laim
s Ex
amin
er Y
ears
of s
ervi
ce: 1
4
Why
CIR
SA?
CIR
SA fo
cuse
s on
put
ting
mem
bers
’ nee
ds fi
rst a
nd o
fferin
g su
ppor
t whe
n it’
s ne
eded
, fro
m s
afet
y tra
inin
g to
cla
ims.
Wor
kers
’ com
pens
atio
n cl
aim
s ca
n be
tric
ky, a
nd I
enjo
y as
sist
ing
inju
red
wor
kers
and
mem
bers
as
they
nav
igat
e th
is s
omet
imes
com
plex
wor
ld.
Jay
Will
iam
son
Lo
ss C
ontro
l Sup
ervi
sor Y
ears
of s
ervi
ce: 2
2
Why
CIR
SA?
I enj
oy w
orki
ng w
ith s
mal
l and
larg
e pu
blic
ent
ities
to h
elp
them
cre
ate
a sa
fer w
orki
ng
envi
ronm
ent.
I’ve
know
n se
vera
l con
tact
s fo
r ove
r 20
year
s, a
nd h
ave
deve
lope
d cl
ose
wor
king
rela
tions
hips
with
them
and
thei
r sta
ff. W
ithin
CIR
SA, f
ello
w e
mpl
oyee
s ar
e
delig
htfu
l to
wor
k w
ith. A
s a
long
-term
em
ploy
ee, I
’ve
seen
man
y ch
ange
s. I’
ve a
lso
seen
ho
w re
spec
ted
CIR
SA is
by
othe
r org
aniz
atio
ns fo
r our
inno
vativ
e id
eas
and
prog
ram
s.
I’m p
roud
to b
e pa
rt of
the
team
.
Sue
Eise
nhof
fer
Seni
or P
rope
rty/C
asua
lty C
laim
s Re
pres
enta
tive
Year
s of
ser
vice
: 19
Why
CIR
SA?
CIR
SA is
a g
reat
pla
ce to
wor
k. T
hey
care
abo
ut th
eir m
embe
rs a
nd th
eir e
mpl
oyee
s.
I enj
oy g
ettin
g ou
t and
see
ing
our m
embe
rs a
nd w
orki
ng w
ith th
em o
n cl
aim
s. T
he fa
ce-
to-fa
ce ti
me
build
s a
bette
r rel
atio
nshi
p. T
here
are
als
o st
rong
rela
tions
hips
am
ong
the
diffe
rent
dep
artm
ents
her
e. T
here
’s c
amar
ader
ie in
all
of u
s w
orki
ng to
war
d ta
king
car
e
of o
ur m
embe
rs.
Deb
bie
Col
eman
Se
nior
Und
erw
ritin
g Re
pres
enta
tive
Year
s of
ser
vice
: 1
Why
CIR
SA?
I wor
ked
with
Jill
Pad
bury
at a
diff
eren
t org
aniz
atio
n, a
nd s
he th
ough
t my
expe
rienc
e w
ould
be
a g
ood
fit fo
r CIR
SA. A
fter 3
5 ye
ars
in th
e in
sura
nce
indu
stry
, I w
as lo
okin
g fo
rwar
d to
le
arni
ng a
bout
insu
ranc
e po
ols
and
mun
icip
ality
insu
ranc
e, a
nd h
ow it
diff
ers
from
the
cove
rage
s I h
ave
unde
rwrit
ten
in th
e pa
st.
CIR
SA g
ives
me
a go
od o
ppor
tuni
ty to
exp
and
my
unde
rwrit
ing
know
ledg
e re
gard
ing
mun
icip
aliti
es. I
n th
e pa
st y
ear,
I’ve
real
ly e
njoy
ed m
eetin
g an
d ge
tting
to k
now
my
mem
bers
and
hel
ping
them
with
thei
r ins
uran
ce a
nd u
nder
writ
ing
need
s.
DEC
ADES
OF
DED
ICAT
ION
TO
MEM
BER
S
CIR
SA h
as b
een
serv
ing
your
nee
ds fo
r dec
ades
—
and
so h
ave
our e
mpl
oyee
s. G
et to
kno
w a
few
of o
ur v
eter
an s
taff,
as
wel
l as
our n
ewes
t mem
bers
of t
he te
am.
13
While we’re taking time to celebrate CIRSA’s successes through the years,
we’re more focused than ever on making the future even brighter.
We’re continuing to move forward with our five-year strategic plan. In 2016,
we implemented and improved our online claims system, added more
excess coverage (while keeping rates stable), and offered more training.
In 2017, we’ll be providing additional coverage enhancements and
conducting an independent study of our equity position. We’re constantly
working to remain financially stable, identify emerging risk, and provide you
with excellent customer service.
Thank you for being our partner, whether you’re new to CIRSA or have been
with us since the beginning. We can’t wait to start the next chapter together.
Yours in Safety,
Martee Erichson
Chairperson
LOOKING AHEAD TO
WHAT’S NEXT
14
LETTER FROM BOARD CHAIRPERSON
2016 BOARD OF DIRECTORS
Back Row Standing Front Row Seated
Houssin Hourieh Secretary/Treasurer City of Lamar
Chris Krall Executive Director CIRSA
Gary Klaphake Board Member City of Lafayette
Rod Wensing Board Member City of Loveland
Jeff Durbin Board Member Town of Fraser
Cynthia Sirochman Board Member Town of Monument
Martee Erichson Chairperson City of Westminster
Ron LeBlanc Vice Chairperson City of Durango
Ready to meet your risk management needs for the next 35 years—and beyond
15