Milt Nagel emphasizes local decision-making and outlines insurance programs for Maryland schools.

Midwest Public Risk staff briefed Osage Beach leaders on the pools governance, insurance programs (employee benefits, property/liability, workers compensation), recent financial results, appraisal practices and reinsurance arrangements, and answered questions on sovereign immunity, cyber insurance and the citys participation in a reality TV show

Risk Management staff told the Human Resources Committee the department operates three programs (property & casualty, workers' compensation and benefits), that the city is largely self‑insured, and that stop‑loss insurance reimburses claims above a per‑claim threshold; staff reported substantial reimbursements this year and noted staffing of three.