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Conclusion <br />• Regardless of the ISL deductible chosen, the City faces an <br />increase in maximum claims exposure by at least <br />$1,385,801. <br />• The City's large claims history has been fairly constant in <br />terms of the number of large claimants, so purchasing <br />decisions based on the Individual Stop Loss Deductible <br />should be fairly reliable. <br />• The total amount of claims paid for large claimants has been <br />quite erratic, so adding an aggregating specific deductible <br />has a much higher potential of erasing any premium savings <br />through adverse claims experience. <br />s <br />11 go <br />