Agenda Item
iii. Renewal of the District’s Excess Workers’ Compensation and Employer’s Liability Insurance Policy (Not to Exceed $487,835)
Summary: Presented by: Mr. Glinton R. Darien, Jr., Director of Legal Affairs, Division of Legal Services
Request: It is requested that the DeKalb County Board of Education (“Board”) approve the renewal of the District’s Excess Workers’ Compensation and Employer’s Liability Insurance coverage with Safety National Casualty Corporation (“Safety National”), for $487,835. This cost is an early indication of the renewal quotation. The final quotation from Safety National may decrease.
Why: The DeKalb County School District (“District”) currently has an Excess Workers’ Compensation & Employer’s Liability Insurance policy with Safety National. That policy will expire on July 1, 2026. Therefore, the District must select an insurance carrier to renew its coverage for fiscal year 2027. The District is a self-insured employer for workers’ compensation and is therefore mandated by state law to purchase excess workers’ compensation coverage. Specifically, O.C.G.A. 34-9-121, et. seq., and the State Board of Workers’ Compensation Rule 121 (c), require self-insurance entities to carry excess workers’ compensation coverage.
Details: This item requests that the Board approve the renewal of the District’s Excess Workers’ Compensation & Employer’s Liability Insurance Policy with Safety National. The District’s broker, Edgewood Partners Insurance Center (“Epic”), negotiated the renewal of this policy with ten different insurance companies, including a prior insurer, Star Insurance Company (“Star”). The most favorable renewal was received from Safety National. This year, Safety National, as with last year, provided a flat rate. Star, as with last year, did not provide a flat rate. An insurance company that does not provide a flat rate will increase the rate per
payroll dollar, which will then result in a premium increase. For the remaining eight insurance companies contacted, inability to provide a flat rate, hardening market conditions, the District’s loss history, the District’s tight deadline for submission of quotes, coverage sought for police officers with the Public Safety Department, and the District’s increase in estimated payroll, resulted in a lack of quote submissions. These factors have also resulted in a premium increase for this year.
This year’s $487,835 premium represents a $70,585 premium increase over the 2025 premium of $417,250. This is a 16% increase. The 2024 premium was $311,675, which was a 14% increase over the 2023 premium. The 2023 premium was $272,800.
To provide the District with the most premium savings, the option which increases the District’s retention amount from $1,250,000 to $1,500,000 was selected again this year. This year’s estimated premium is subject to a final audit which could result in an additional premium or return of any premium overpayment.
Safety National’s quote provides a statutory limit for workers’ compensation. The policy limit for Employer’s Liability is $2,000,000.00 per occurrence.
Financial impact: This is a budgeted expense within the Risk Management budget. The cost code is 100.1000.526000.15311.7490.9990.8010.080.1531. The premium amount is $487,835.
Contact: Mr. H. Eric Hilton, Chief Legal Officer, Division of Legal Services, 678.676.0159
Mr. Glinton R. Darien, Jr., Director of Legal Affairs, Division of Legal Services, 678. 676.0403
Effective: July 1, 2026
Status: Pending Approval by the Office of Legal Affairs
DEKALB COUNTY SCHOOL DISTRICT
DEKALB COUNTY SCHOOL DISTRICT
EXCESS WORKERS COMPENSATION
& EMPLOYERS LIABILITY INDICATION
July 1, 2026 to July 1, 2027
May 03, 2026
Prepared by:
Danielle Joseph, CPSR, Account Executive
Maggie Evans, Assistant Account Manager
1
EXCESS WORKERS COMPENSATION ACCOUNT SERVICE TEAM
SOUTHEAST GROWTH LEADER BRENNEN PARKER
DIRECT DIAL 518.937.3203
E-MAIL – BRENNEN.PARKER@EPICBROKERS.COM
ACCOUNT EXECUTIVE DANIELLE JOSEPH, CPSR
DIRECT DIAL 470.681.2612
DIRECT FAX 770.232.9202
E-MAIL – DANIELLE.JOSEPH@EPICBROKERS.COM
ACCOUNT EXECUTIVE ALEXIS HANKERSON-TOLBERT, CIC, AIAM
DIRECT DIAL 678.379.1165
E-MAIL – ALEXIS.TOLBERT@EPICBROKERS.COM
ACCOUNT EXECUTIVE LATOYA COTTON, CRM, CIC, CISR
DIRECT DIAL 678.205.5949
DIRECT FAX 678.542-2653
E-MAIL – LATOYA.COTTON@EPICBROKERS.COM
ASSISTANT ACCOUNT MANAGER MAGGIE EVANS
DIRECT DIAL 770.441.8503
E-MAIL – MAGGIE.EVANS@EPICBROKERS.COM
VICE PRESIDENT, CLAIMS MANAGER CHANTELLE PATTERSON
DIRECT DIAL 678.475.5706
DIRECT FAX 678.475.3858
E-MAIL - CHANTELLE.PATTERSON@EPICBROKERS.COM
RISK CONTROL MICHAEL NISCHAN, CDS, CCSP
SERVICE REPRESENTATIVES DIRECT DIAL 678.475.5720
MOBILE 678.938.2012
DIRECT FAX 678.475.3852
E-MAIL – MICHAEL.NISCHAN@EPICBROKERS.COM
MIKE FOLMER
DIRECT DIAL 678.242.1377
MOBILE 678.215.8024
E-MAIL – MIKE.FOLMER@EPICBROKERS.COM
2
EPIC INSURANCE BROKERS SERVICE TEAM
Danielle Joseph, CPSR Alexis Hankerson-Tolbert, CIC, AIAM LaToya Cotton- Robinson, CIC, CRM,
Account Executive Account Executive CISR
Account Executive
Danielle is a seasoned commercial Alexis started off her career on the LaToya has nearly 20 years of
insurance and risk management underwriting side as a trainer and experience in the property and casualty
professional with extensive prep assistant for basics of insurance insurance industry, including nearly 7
experience in Commercial Property & for Citizens Property and Casualty in years with Resurgens Risk Management,
Casualty insurance, supporting South Florida. She then moved on to Inc. where she was responsible for
complex client portfolios across a become a General Liability servicing a book of middle market and
range of industries, including national underwriter and a right hand of the large municipal clients.
and multinational organizations. program developer to assist with In addition, she served as the OCIP
policy change implementation and (Wrap Up) Administrator for Fulton
She has been with EPIC since 2020,
retention improvement before County Capital Improvement Program,
managing a multimillion-dollar book
moving to Georgia. Shortly after DeKalb County Capital Improvement
of business and serving as a trusted
Alexis, transitioned to the agency side Program (water/ sewer infrastructure)
advisor to clients navigating
focusing solemnly on property, and City of Atlanta, Hartsfield Jackson
operational change, including
casualty, and risk management. Atlanta International Airport.
acquisitions, integrations, and
Throughout the years Alexis has
evolving risk profiles. She is She has been with the firm since 2014 .
obtained a series of executive roles
recognized for her ability to problem- At EPIC Insurance Brokers &
where she has been acknowledged for
solve in high-stakes environments, Consultants, Mrs. Robinson is
her long record of successfully guiding
balancing analytical rigor with responsible for servicing a complex
local, national and multinational
practical, client-focused solutions. book of business consisting of Public
clients with their insurance
Entity and School Systems.
Danielle’s approach emphasizes needs. Alexis's helm of visionary
proactive risk identification, coverage strategies, transformations, LaToya holds the professional
alignment, and long-term program acquisitions assistance, integrations, designations of Certified Risk Manager
stability, key elements for and radical problem solving helped (CRM), Certified Insurance Counselor
organizations operating within propelling growing companies to scale (CIC) and Certified Insurance Service
governance-driven environments. and achieve higher levels of success. Representative (CISR). Also, she holds
As a 15-year veteran in the insurance a Property & Casualty Agent License,
Danielle was named a Pinnacle Award Surplus Lines Broker License and Life &
and risk management profession,
recipient, honoring exceptional Health License.
Alexis is committed to ongoing
performance, client advocacy, and
professional development. She Ms. Cotton is currently pursuing an
leadership impact.
currently holds the following industry Associate In Risk Management (ARM).
Danielle holds a Certified Professional designations, Certified Insurance
Services Representative (CPSR) Counselor (CIC) , Associate in Account
designation, reflecting her Management (AIAM) and currently
commitment to professionalism, working on pursing her Charted
ethical service delivery, and Property Casualty Insurance
continuous development. Designation (CPCU). Alexis has been
awarded as honoree of "Women to
Danielle is currently pursuing the
Watch", and "Legacy Award" for her
Certified Insurance Counselor (CIC)
leadership, employee development
Designation.
and operational excellence.
3
EPIC INSURANCE BROKERS SERVICE TEAM
Maggie Evans Brennen K. Parker Chantelle Patterson
Assistant Account Manager Southeast Growth Leader Vice President, Property & Casualty Claims
Maggie began her career in the insurance Brennen K. Parker joined the EPIC Chantelle has over 20 years of
industry in 2023 after a successful tenure Southeast Regional team in July of 2023. experience in the risk management and
in high school education as a mathematics Brennen’s current role in the enterprise as property and casualty claims industry.
teacher, where she developed strong Southeast Region Growth Leader, with a She has two additional claims specialists
analytical and problem-solving skills. Her charge to promote organic growth on her team to provide a high level of
transition into the commercial insurance throughout the entire region, is to service to and ensure all claims are
space reflects her passion for learning and orchestrate resources needed to facilitate handled in a timely manner.
adaptability in dynamic environments. client attraction, current client overall
Mrs. Patterson is a results-driven
At EPIC, Maggie plays a key role in satisfaction, and Producer recruitment.
claims leader with extensive Workers’
supporting Alexis Tolbert, Account Prior to Joining EPIC, Brennen had similar
Compensation and Third Party Liability
Executive, by assisting with day-to-day responsibilities in both regional and
claims experience.
client activities within EPIC’s Public Entity national Brokerage firms in New York,
and Scholastic Practice. She is actively South Carolina and Georgia. Brennen has Prior to joining the firm in December
involved in managing client an intimate knowledge of the brokerage 2001, Chantelle spent five years in the
communications, preparing policy needs of clients on the Property and risk management and insurance
documents, and ensuring timely service Casualty business as well Employee industry. She routinely handles and
delivery to meet client needs. Maggie’s Benefits. Creating diversity in problem manages large industrial, commercial
ability to apply her educational solving and creating complimentary and Public Entity claims exceeding $2
background to complex insurance relationships among our business divisions. million. Chantelle’s focus has been on
concepts allows her to provide exceptional Starting his career in 2000 at Liberty managing claims and minimizing risks.
support and contribute to the overall Mutual, Brennen was immediately Her experience includes Workers
success of the team. provided an opportunity of learning and Compensation, Crime, General
Her strong organizational skills, attention practical insurance needs for customers Liability, Property Damage,
to detail, and commitment to client across a broad spectrum of industry Automobile Liability, Environmental
satisfaction make her an invaluable verticals and revenue volumes. Brennen is Liability, Third-party liability and
resource within the Practice. Maggie holds a devoted husband and father – who product liability claims.
a Georgia Property and Casualty Insurance relishes the opportunities to spend time Chantelle is a graduate of Georgia
Agent’s License and continues to expand with his family while also incorporating his Southern University with a degree in
her industry knowledge through ongoing personal interests of golf, fishing and Business Management. Currently,
professional development. She is hunting to try and foster a balance in his Chantelle is pursuing the Associate in
dedicated to building long-term life. Claims (AIC) designation.
relationships and delivering solutions that
align with the unique needs of public
entities and scholastic organizations.
4
EPIC INSURANCE BROKERS SERVICE TEAM
Michael Nischan, CDS, CCSP Chris Mancillas, CIH, ASP SVP, Risk Mike Folmar, CSP, CEAS
VP of Transportation & Logistics Risk Control & Safety, Southeast Region Risk Control & Safety
Control Consultant
Michael is responsible for the Chris has more than 20 years of Mike has more than 20 years of
transportation risk control practice of experience in the safety and health experience in the health and medical
EPIC’s Southeast operation. He has arena. He is responsible for the risk field. He provides mock OSHA
more than 20 years of experience in law control practice of EPIC’s Southeast inspections/ comprehensive safety audit;
enforcement, private industry region. His team of seven safety employee and management safety
management, Public Entity risk control, consultants and 3 administrators training; safety procedures/program
and consulting. provides mock OSHA inspections/ development; industrial hygiene surveys
Michael helps motor carriers achieve comprehensive safety audits; bilingual including ergonomic evaluations, air
and exceed regulatory requirements, employee and management safety monitoring, noise assessments; and
develops management and training training; safety procedures/program develops engineering controls.
programs, implements operational development; property liability Mike spent 22 years working with
controls to enhance efficiency and assessments; industrial hygiene surveys Concentra in various roles. He was
educates all members of an organization including ergonomic evaluations, air responsible for evaluating and
on compliance and security measures. monitoring, noise assessments; and rehabilitating injured workers. He then
develops engineering controls. became the At-Work Consultant for
Michael is a graduate of Lenoir-Rhyne
Prior to joining the firm in 2000, Chris Atlanta, conducting office and industrial
College, with a degree in
served five years as an OSHA ergonomic evaluations and developing
Communication. He holds two NATMI
Compliance Officer, inspecting various ADA-compliant physical agility tests. As a
certifications - Certified Director of
companies in a wide array of industries. Health and Safety Consultant, he
Safety (CDS) and Certified Cargo
He also worked for two years as a conducted industrial hygiene surveys.
Security Professional (CCSP).
Radiation and Biological Safety specialist Mike holds a Bachelor of Science degree
Michael is a NATMI instructor and for the East Carolina School of Medicine. in Sports Medicine and Exercise
provides professional certification and Chris is a Certified Industrial Hygienist, Physiology from Auburn University at
training courses for transportation an OSHA Authorized Trainer, a Certified Montgomery and a Master of Science
managers. He teaches compliance, Forklift Trainer, a Certified Fire Sprinkler degree in Occupational Health and
management, accident investigation Inspector, and a Certified Tower Climber Safety from Columbia Southern
and security principles. He has & Rescue Trainer. He is a member of University in 2007. Mike is currently
instructed more than 200 companies the American Industrial Hygiene certified by the BCSP as Certified Safety
from all over the United States Association. Professional (CSP). He is a
including insurance firms, law firms and CEAS (Certified Ergonomic Assessment
Chris is also fluent in Spanish.
motor carriers. Specialist), an OSHA Authorized Trainer.
He also holds several certifications and a
license in Sports Medicine.
5
EXECUTIVE SUMMARY
Edgewood Partners Insurance Center (EPIC) is proud to represent DeKalb County School District (DCSD) in the
placement and management of its Workers’ Compensation and Employers’ Liability insurance programs. EPIC remains
committed to supporting the District’s workforce through solutions that promote employee safety, financial stability,
and long-term sustainability.
Entering the 2026 renewal cycle, the U.S. Workers’ Compensation market continues to be the strongest-performing
major commercial insurance line, following nine consecutive years of underwriting profitability. From 2015 through
2023, the segment achieved an average combined ratio of approximately 91%, improving to 88% in 2023,
outperforming nearly every other commercial line. This sustained performance has supported abundant capacity and a
competitive market environment for well-managed public-sector employers.
Despite these favorable fundamentals, insurers are increasingly signaling that the market is approaching an inflection
point. Fitch Ratings and other industry observers note that the prolonged period of strong reserve redundancy—
estimated to have exceeded 12% of earned premium annually for several years—has begun to moderate. While
Workers’ Compensation reserves remain redundant overall, the pace of favorable development has slowed, prompting
insurers to adopt a more measured underwriting posture entering 2026.
Cost pressures continue to reshape carrier expectations. Wage growth remains a primary driver of indemnity exposure,
as Workers’ Compensation benefits are directly tied to payroll levels. According to the U.S. Bureau of Labor Statistics,
total compensation costs rose approximately 3.4% year-over-year in early 2026, reflecting sustained wage and benefit
inflation across state and local government employers. At the same time, medical inflation remains a key severity
driver. Data from NCCI indicates that workers’ compensation medical prices, as measured by the Workers’
Compensation Weighted Medical Price Index (WCWMI), have trended between 2% and 3.5%, with expectations that
costs will continue to drift upward as hospital and outpatient services normalize from recent moderation.
Workforce demographics add another layer of complexity. The U.S. workforce is aging materially, with the Bureau of
Labor Statistics projecting that the number of workers aged 75 and older will grow by approximately 96.5% between
2020 and 2030. While older workers tend to experience fewer injuries, claim severity and duration are higher when
injuries occur, contributing to increased medical and indemnity costs. Industry data shows that claims involving older
workers can cost 30%–35% more on average due to longer recovery times and comorbidities.
Environmental and regulatory dynamics are also influencing market sentiment. Extreme weather events are
increasingly linked to workplace injuries, particularly heat-related illness and secondary accident risk, while federal and
state regulatory initiatives continue to expand reporting and compensability standards. In parallel, legislative activity
addressing mental-health-related claims is gaining momentum. Several jurisdictions have broadened eligibility for
stress-related Workers’ Compensation claims beyond first responders, expanding potential exposure and increasing
long-tail severity considerations for insurers.
Despite these emerging headwinds, the near-term outlook for 2026 remains stable. Market data indicates that pricing
for Workers’ Compensation programs is generally flat to modestly declining, particularly for accounts with strong safety
performance, favorable loss experience, and disciplined claims management. Lockton reports that median
guaranteed-cost Workers’ Compensation rates declined approximately 4% in late 2025, with loss-sensitive programs
experiencing more modest reductions as underwriting discipline gradually increases.
In this evolving environment, insurers are differentiating employers more deliberately based on measurable risk
characteristics. Organizations that demonstrate effective safety programs, early return-to-work strategies, and
proactive claims management are best positioned to sustain favorable outcomes as the market transitions toward more
normalized profitability levels.
EPIC remains focused on helping DCSD navigate these dynamics thoughtfully, aligning insurance structure and risk
management strategy with the realities of the 2026 Workers’ Compensation market. 6
EXECUTIVE SUMMARY
2026 Workers’ Compensation Market Snapshot
• Underwriting Performance:
Workers’ Compensation remains the strongest U.S. commercial line, posting nine consecutive years of underwriting
profitability with an average combined ratio of 91% (2015–2023) and an estimated 88% combined ratio in 2023,
outperforming other casualty lines.
• Reserve Strength:
Industry reserve redundancy exceeded 12% of earned premium annually for multiple years; however, favorable
development is moderating as insurers reassess reserve adequacy entering 2026.
• Wage & Indemnity Pressure:
According to the U.S. Bureau of Labor Statistics, total compensation costs increased approximately 3.4%
year-over-year in early 2026, directly influencing indemnity benefit costs tied to payroll levels.
Georgia Workers’ Compensation – Public Entity Market Snapshot (2026)
• Market Structure & Regulation
Georgia is an NCCI-administered state, with all Workers’ Compensation rates, experience modifiers, and loss data
governed through the National Council on Compensation Insurance. Rate filings and medical fee schedules are
overseen by the Georgia State Board of Workers’ Compensation (SBWC), providing regulatory consistency
statewide.
• Rate Positioning
Georgia’s Workers’ Compensation rates remain approximately 10% below the national median, reflecting long-term
tort reform measures and a durable statutory framework, including medical benefit caps for non-catastrophic
claims. This relative cost advantage has been sustained even as national Workers’ Compensation pricing begins to
stabilize.
• Wage Growth & Indemnity Pressure
State and local government wages in Georgia increased in line with national public-sector trends, with total
compensation costs rising approximately 3–4% year-over-year entering 2026. Because indemnity benefits are
wage-indexed, sustained compensation growth directly influences Workers’ Compensation claim severity over time.
• Workforce Demographics
Georgia mirrors national aging-workforce trends. Employment of workers aged 65 and older has more than doubled
over the past two decades, and the population of workers aged 75+ is projected to grow by nearly 100% between
2020 and 2030. Claims involving older workers are less frequent but typically 30%–35% more costly, driven by
longer recovery periods and higher medical utilization an important consideration for public-sector employers with
long-tenured workforces.
• Medical Cost Environment
Medical inflation remains a focal point. NCCI reports Workers’ Compensation medical price growth in the 2% to
3.5% range, with expectations of continued upward pressure as hospital outpatient and specialty care costs
normalize. Georgia’s SBWC fee schedules provide some cost containment, but severity continues to trend upward
due to treatment complexity and duration rather than unit pricing alone.
• Public-Sector Implications
For school districts and other public entities, insurers are increasingly focused on return-to-work effectiveness,
ergonomic risk management, and long-tenured employee exposure, rather than claim frequency alone. Georgia
public entities with coordinated safety programs and disciplined claims management remain well-positioned to
sustain favorable Workers’ Compensation outcomes entering 2026.
7
EXECUTIVE SUMMARY
We expect a flat rate of 0.0300 per expiring.
The District’s “do not exceed” indication $487,835 (EXPIRING PREMIUM $417,250 16.92% INCREASE OR $70,585)
The increase in the Districts estimated payroll 1,642,542,488 (EXPIRING PAYROLL: $ 1,390,833,831 – 18.10% INCREASE OR
$251,708,657)
The projected increase is driven by the updated experience modification factor (1.616), recent loss activity, and an 18% increase
in payroll exposure. The incumbent underwriter has advised that this reflects a true “do not exceed” position based on current
exposure and claims trends.
From an underwriting perspective, the risk profile remains stable overall; however, there has been a modest increase in
aggregate losses, particularly in claims exceeding $250,000, which is contributing to the pricing pressure.
At this time, we do not anticipate any changes to the structure or scope of coverage, including the $1,500,000 self-insured
retention and $2,000,000 employers’ liability limits.
EPIC will complete a full marketing of the District’s Excess Workers’ Compensation and Employers’ Liability Insurance program
with all viable insurance carriers as part of the upcoming renewal process.
The information provided below reflects a summary of prior-year marketing efforts and is included for historical and illustrative
purposes only. This information will be updated, refined, and finalized upon completion of the current renewal marketing and
issuance of the final proposal.
Carrier Approached Marketing Results
Star Insurance Company (Incumbent) Could not provide a flat rate per expiring
Safety National This carrier declined last year we were able to get them to come
in this year with a flat rate per expiring to compete with Star
Insurance
Midwest Employers Casualty Company Could not quote due to need by date final documents were
received a few days before the due date
Arch Insurance Company Declined. Would not be competitive as their pricing would be
significantly higher than expiring and they would require a $2M
SIR.
AIG Insurance Company Declined. Can no longer write K-12 risk, only Higher Education.
Chubb Insurance Company Declined. Cannot provide coverage for police exposure.
BRIT Insurance Declined. Not a good fit.
Star Stone Insurance Declined. Not a good fit.
Lloyd’s of London Declined due to losses.
Bridge Excess Solutions, an FC Capital Company Declined. Not competitive this year on rates.
Thank you for allowing EPIC Insurance Brokers & Consultants to serve as an extension of your Risk Management
Department. Please let us know if you would like to discuss any of the above in more detail. We remain
available at your convenience.
8
EXCESS WORKERS’ COMPENSATION &
EMPLOYERS LIABILITY INSURANCE
COMPANY: Safety National Casualty EFFECTIVE: July 1, 2026 to July 1, 2027
Corporation
POLICY #: Renewal of SP4069452 PREMIUM: $487,835 Deposit Premium
WORKERS’ COMPENSATION: State law O.C.G.A. (34-9-2 Section A, Paragraph 2) requires that every employer provide
Workers’ Compensation insurance for their employees. This insurance provides coverage for accidents or disease
arising from employment as prescribed by these state laws. Benefits can include lost wages, medical expenses, and
permanent disfigurement/disability payments.
STATUTORY WORKERS' COMPENSATION: This coverage is used to comply with the Workers' Compensation Coverage that
is required by your state law. Under this requirement, an employee can be compensated if they are injured while
working for you, regardless of your negligence as an employer.
EMPLOYER’S LIABILITY: This coverage will pay for all sums which you are legally obligated to pay because of bodily injury
by accident or disease sustained by any employee arising out of their employment. This coverage is distinct from any
Workers’ Compensation policy claim.
SPECIFIC LIMIT EACH ACCIDENT
Policy Part One, Workers’ Compensation: Statutory
Policy Part Two, Employer’s Liability: $2,000,000
SPECIFIC LIMIT EACH EMPLOYEE FOR DISEASE
Policy Part One, Workers’ Compensation: Statutory
Policy Part Two, Employer’s Liability: $2,000,000
RETENTIONS:
Specific Retention- All Other $1,500,000
ESTIMATED ANNUAL PAYROLL: 1,642,542,488 (EXPIRING PAYROLL: $ 1,390,833,831 – 16.91% INCREASE OR $251,708,657)
EXCESS RATE: 0.0300 (EXPIRING EXCESS RATE: 0.0300 - 0% INCREASE OR DECREASE)
ESTIMATED AND DEPOSIT PREMIUM INCLUDING TERRORISM: $487,835 (EXPIRING PREMIUM $417,250 16.91% INCREASE OR
$70,585)
9
BUDGETARY ACKNOWLEDGMENT / AUTHORIZATION TO PROCEED
EPIC Insurance Brokers & Consultants Attn:
Danielle Joseph, Account Executive
2405 Satellite Boulevard, Suite 200
Duluth, GA 30096
Re: Authorization to Proceed
DeKalb County School District
Excess Workers’ Compensation Insurance
Dear Danielle:
I have reviewed the renewal indication presented by EPIC on May 3, 2026. Based on the information provided, I
approve the estimated budget for the insurance program and authorize EPIC to proceed with marketing and securing
final terms, subject to final review and approval.
COVERAGE POLICY PERIOD PREMIUM
EXCESS WORKERS’ COMPENSATION
JULY 1, 2026 TO JULY 1, 2027 $487,835
$1,500,000 SELF INSURED RETENTION
Dr. Norman C. Sauce, III, Interim Superintendent of Schools Date
DeKalb County School District
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