A town in New York, with an active and proficient Town Attorney office, was concerned over the Town’s lack of control with their own legal defense on various lawsuits brought against them. Their insurance carrier was immediately assigning most suits being brought against the Town directly to high priced, outside law firms despite the Town’s strong internal legal capabilities. With a $75,000 self-insured retention, the Town was being forced to pay that amount to the outside firms for their defense while still paying their own Town employed Attorneys. In addition on many cases, the defense offered by the outside firm was not acceptable to senior Town officials. USI worked with the client to develop a manuscript endorsement, acceptable to the Insurance carrier, that would allow the Town Attorney’s office to retain control of the case defense. In addition, under the endorsement, time spent by the Town Attorney and Staff would be applied by the Carrier against the Town’s SIR at an agreed rate per hour. With the new carrier manuscript endorsement in place, the Town had more control over their defense strategy and claim outcome. With this control in place, the Town felt comfortable increasing the policy self-insured retention from $75,000 to $150,000 resulting in a $250,000 annual premium savings and an additional $100,000 annual savings in outside attorney costs.