During the Joint Committee on Insurance and PEIA, an update was provided on BRIM and Senate Bill 875.
BRIM provides broad coverage, including several insurances tailored to West Virginia agencies, including commercial general liability, personal injury liability, professional liability, stop-gap, wrongful act, and auto liability with physical damage.
BRIM provides tools to prevent or minimize claims, such as consultation visits, inspections, programs, and education services. Trends seen in claims include sexual abuse and liability policy endorsement changes for permissive entities.
Senate Bill 875 placed a moratorium on BRIM’s ability to provide new insurance to permissive entities, including county boards of education and charter schools. The implementation of Senate Bill 875 resulted in canceled policies for entities exceeding 100 percent in three of the last five years, coverage not being available for certain entities, and higher costs for some entities.
