# West Terre Haute council weighs a $113,000 upfront payment after its insurer wouldn't renew

## What happened
The town's insurance broker, Whitney of Epic Insurance, told the council the town's package carrier declined to renew its coverage, so the town had to piece together separate policies from several carriers instead of one bundled plan. [Whitney introduces the renewal, 1:44](https://www.youtube.com/watch?v=NObS95H6UlA&t=104) She said the policy renewed August 1 and asked the board to approve paying $113,000 up front — rather than monthly, as in past years — mainly to cover law-enforcement liability and public-officials coverage, the two lines that rose the most. [Board asked to approve front-loading the payment; corrected ask of $113,000, 3:02](https://www.youtube.com/watch?v=NObS95H6UlA&t=182) The full annual package is now $157,781, up from $123,371 last year — an increase Epic said comes to under 27%, driven mostly by outstanding legal claims already on the town's books. [New premium versus last year's, 11:15](https://www.youtube.com/watch?v=NObS95H6UlA&t=675)

## The outcome
No vote was taken; the council was weighing whether to pay the $113,000 up front or finance it in installments with an added finance charge.

## Sources
- [Whitney introduces the insurance renewal, 1:44](https://www.youtube.com/watch?v=NObS95H6UlA&t=104)
- [Board asked to approve front-loading the payment; corrected to $113,000, 3:02](https://www.youtube.com/watch?v=NObS95H6UlA&t=182)
- [Same exchange continues, 4:59](https://www.youtube.com/watch?v=NObS95H6UlA&t=299)
- [New premium $157,781 versus last year's $123,371, 11:15](https://www.youtube.com/watch?v=NObS95H6UlA&t=675)

*Also known as: town insurance renewal · Epic Insurance · police liability insurance · law enforcement liability insurance · insurance non-renewal*