2-Exhibit B - Excess WC Policy History.xlsx

This document is an Excess Workers' Compensation Policy History exhibit prepared for the City of Dallas in connection with a request for actuarial services for risk management. The exhibit details the evolution of the city's excess workers' compensation insurance coverage spanning from 1998 through 2026. The historical record demonstrates the city's insurance procurement strategy across multiple carriers and brokers, beginning with General Reinsurance Corporation and Upshaw Insurance Agency (1998-2001), transitioning to North River Insurance Company and McGriff, Siebels & Williams, Inc. (2001-2004), followed by State National Insurance (2004-2007), and Star Insurance Company (2007-2013). Since 2013, the city has maintained coverage through the Texas Municipal League (TML), which serves as both carrier and agent/broker for the current policy period.

The policy history reflects significant structural changes in coverage design over the 28-year period. From 1998 through 2012, the city maintained relatively consistent self-insured retention (SIR) levels of $750,000 with $1,000,000 in policy limits. Beginning in February 2013, coverage parameters expanded substantially with a $1,000,000 corridor deductible and $20,000,000 in policy limits through TML. The SIR increased to $1,500,000 in 2015 and further to $2,500,000 in 2020, while policy limits adjusted to $5,000,000 per occurrence and $10,000,000 aggregate beginning in 2018. The current coverage structure has remained stable since 2018, with TML continuing as the sole carrier and agent through the 2025-2026 policy year, indicating the city's established relationship with the municipal league for excess workers' compensation protection.