Genoa sticks with Ohio Plan

By Lenny C. Lepola -



During last Thursday evening’s (Oct. 27) Genoa Township Board of Trustees meeting, the trustees approved remaining with the Ohio Plan for township property and liability insurance.

Bids were submitted for two separate insurance plans, both brokered by Rinehart, Walters, Danner and Associates Insurance Agency. In addition to the Ohio Plan, Argonaut/Trident made a liability insurance offer.

Gary Walters of Rinehart, Walters, Danner, was in chambers for last Thursday’s meeting. He said 80 percent of the public entities in Ohio that his firm brokers liability insurance for purchase coverage from the Ohio Plan.

“The Ohio Plan is a silo approach, with $8 million in coverage for each occurrence and a $10 million aggregate,” Walters said. “Most traditional insurance plans have lower occurrence coverage with an umbrella to increase coverage.”

“We’re the servicing agent for either plan,” Walters continued. “The Ohio Plan has been in existence since 1986. With the Ohio Plan you get a credit that’s tied to performance, with a potential for up to $11,000 credit.”

Walters said with a traditional casualty and liability insurance plan like the Argonaut/Trident product, there’s a potential for a gap in coverage.

“That’s not a problem with the Ohio Plan,” Walters said. “The Ohio Plan coverage is based on the occurrence, traditional plans coverage is based on a claims made basis.”

The Ohio Plan had a $67,275 premium that included $4,718 credit. The Argonaut/Trident bid was less expensive at $66,214.

The township is currently insured under the Ohio Plan, but on a month-to-month basis at last year’s rate because the previous policy has expired. Trustee Frank Dantonio said he wanted to study both plans and put a discussion on a future agenda.

Trustee chair Rick Carfagna said either plan would be less expensive than what the township was currently paying month-to-month.

“The Ohio Plan looks more robust,” Carfagna said. “I don’t see what delaying another month would do.”

Carfagna motioned to accept the Ohio Plan Casualty and Liability coverage for one year beginning November 1. Trustee Karl Gebhardt seconded the motion. The motion passed with Dantonio abstaining.

Carfagna is on Tuesday’s General Election Ballot as a Republican candidate for the Ohio House of Representatives 68th District seat. The trustees briefly discussed the appointment process for selecting a candidate to serve out his remaining year in office as a trustee if he is elected to serve in the Ohio House.

Township administrator Paul Wise said several township residents have already applied for the potential vacant seat at the trustee dais.

“The process is, we accept submissions from candidates, then we have a public meeting where candidates introduce themselves to members of the public,” Wise said. “Then the trustees have executive sessions for interviews and background checks. Everything is done in executive session, except the public introduction.”

Dantonio said he did not believe that public introductions of the candidates were necessary.

“I don’t think we have any reason to have the public introductions,” Dantonio said. “No action is taken during the public sessions. I don’t see any value in it. To me it’s just a dog and pony show.”

Carfagna said he believes it’s important to have candidates stand up in public.

“Who somebody is in person is different than what they are on paper,” Carfagna said. “The board can ask questions in the public introduction, and the public can write questions afterwards. I think it’s important for people to present themselves.”

In the event Gebhardt and Dantonio fail to decide on a candidate within 30 days following a vacant seat at the trustee dais, Ohio Revised Code stipulates that Delaware County Court of Common Pleas Judge David Hejmanowski would select a candidate to fill the seat.

The trustees agreed to meet in special session at 7 tonight (on Nov. 3), to discuss the methodology for the appointment of a trustee in the event of a vacancy, and to discuss their remaining meeting schedule for 2016; and the trustees are moving their Nov. 3 regular meeting to 7 p.m. Thursday, Nov. 17. Both meetings will be held at Genoa Township Hall, 5111 South Old 3C Highway, Westerville.


By Lenny C. Lepola

Reporter Lenny C. Lepola can be reached at 614-266-6093.

Reporter Lenny C. Lepola can be reached at 614-266-6093.