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

Finance staff presented fund-balance analysis referencing Public Act 103.0394; the board authorized preparation of the 2026–27 tentative budget, authorized offering student accident insurance, approved authorization to lock utility rates between meetings, and carried routine motions including minutes and personnel approvals.

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.