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Commissioner Bird believed the Board could spend the rest of <br />the day listening to the various arguments and then be even more <br />confused. He noted that Mrs. Tillman is our Risk Manager; we <br />hired her because of her expertise in this area; and he would <br />like her to have a few minutes to go over her recommendation. <br />Chairman Scurlock also found it confusing that the Risk <br />Manager makes a recommendation and staff is in opposition to that <br />recommendation, and the specific details still seem to be <br />floating about. He agreed we should hear what Mrs. Tillman has <br />to say. <br />Mrs. Tillman informed the Board that her recommendation is <br />based on her experience. She has been working in the insurance <br />and legal fields for the last 16 years, and she set up a self- <br />insurance program for the City of Hallandale from its infancy. <br />She then reviewed how she did this, first setting it up with the <br />Florida League of Cities, and it ended up making over three <br />million dollars in five years. After the first three years, they <br />did away with the Florida League of Cities for General Liability <br />and went totally self-insured because they felt they had so much <br />money in their own reserve fund that they did not need access <br />coverage any more. That program was very successful and it is <br />still in effect and still making money. Mrs. Tillman stressed <br />that her expertise is in this area and that is probably why she <br />sees this differently from those here who are not totally <br />familiar with self-insurance and what is involved. She stressed <br />that she feels the Gallagher -Basset program offers the least <br />amount of risk and would afford the county the opportunity to see <br />what self-insurance is about without taking the risk. <br />Chairman Scurlock noted that we have the two numbers at this <br />point if we go with the combination, and he asked what the number <br />would be if we go with Gallagher -Bassett. <br />Mrs. Tillman stated she would take the $638,000 and add the <br />average losses you would expect to pay, or $135,000, and the <br />Chairman noted that she is then talking potentially a couple <br />57 <br />N O V 1 1988 <br />BOOK 75 57 <br />