In today's complex insurance market, navigating cost increases continues to be a challenge. For CIS, the journey has been no less difficult, particularly with escalating expenses that we’re experiencing across our major lines of coverage: property, liability, cyber, and employee health benefits.
Unlike profit-driven commercial insurers, beholden to shareholders, CIS is a member-owned and governed risk-sharing pool. Our structure allows us to exercise prudent fiscal management, strategically utilizing reserves to help smooth rate fluctuations. This approach provides stability for our public-entity members while safeguarding the long-term health of the program.
As a government risk pool, our sole purpose is to serve Oregon’s cities and counties — not shareholders. By pooling resources, we strengthen collective buying power, delivering cost-effective coverage and valuable services that simplify administration, support employee well-being, and help build safer, stronger, and healthier communities.
