Ansvar Insurance A fresh perspective on insurance

1. Ansvar Insurance A fresh perspective on insurance Michael Lorek Underwriting Manager – Strategic Accounts 4 April 2013 Community Care Education Faith Heritage

2. Contents Introduction Ansvar Insurance Community Services Organisations Policy Overview Risk Management Ansvar Risk Services Risk Management Framework Risk Management Process Business Continuity & Disaster Planning Contractors Volunteers Event Management

3. Introduction An Introduction to Ansvar Insurance UK Parent Company - Ecclesiastical Insurance Group Ansvar has more than 50 years of experience Focussed on five core sectors: 1. Community Service (Not-for-Profit) 2. Care 3. Education 4. Faith 5. Heritage

4. Introduction Continued…. An Introduction to the Community Services Sector 600,000 Not-for-Profit entities in Australia. 60,000 charities. 4% of Australia’s Gross Domestic Product (GDP) $43 billion. 7% growth per annum. 1 million employees. 6 million volunteers.

5. Introduction Continued…. Community Services Sector Risk Appetite Amateur Sports Clubs Youth Clubs Art Galleries and Museums Advice or Support Organisations and Centre's Australian Based Charities Charity Shops Social Groups Business and Networking Groups

6. Introduction Continued…. Claims Management We provide solutions and understand the needs of our clients. Ansvar specialise in handling complex and sensitive claims.

7. Policy Overview Ansvar Insurance Community Service Organisations Policy Wording Property Insurance Public and Products Liability Professional Indemnity Director’s and Officers Employment Practices Personal Accident

8. Policy Overview Continued…. Policy Key Benefits – Special Topics Sample Bespoke Products and Insurance Solutions Advertising Injury Sexual Abuse and Molestation Cover Medical Malpractice Director’s and Officers Indemnifiable Fines and Penalties Volunteers Management Liability

9. Risk Management Ansvar Risk Services Risk Identification Risk Surveys Customer Support and Value Add

10. Risk Management Continued…. Ansvar Risk Services Offering Conduct a risk survey of the premises of operation / situation of the risk. Provide details of the risk exposures – customer reports. Provide post loss survey reports. Assist customers in identify their risks. Assist customers with a risk management plan. Measure buildings in order to complete a sum insured assessment (an added benefit to the risk survey). Conduct workshops and presentations for customers on Risk Management. Produce fact sheets and educational material for customers on specific topics. Answer questions and find solutions for certain risks and exposures.

11. Risk Management Continued…. International Risk Management Standard AS/NZS ISO 31000:2009

12. Risk Management Continued…. Risk Management Framework

13. Risk Management Continued…. Risk Management Process

14. Risk Management Continued…. Risk Management Process

15. Risk Management Continued…. Risk Management Process

16. Risk Management Continued…. Risk Management Process

17. Risk Management Continued…. Risk Management Process

18. Risk Management Continued…. Risk Treatment Strategy

19. Risk Management Continued…. Hierarchy of Hazard Controls

20. Risk Management Continued…. Risk Services Survey Examples

21. Risk Management Continued…. Risk Services Survey Examples

22. Risk Management Continued…. Risk Services Survey Examples

23. Risk Management Continued…. Risk Services Survey Examples

24. Risk Management Continued…. Business Continuity & Disaster Planning If an operation has to close for an extended period of time because of a fire or other catastrophic event, often up to two years or more, what will be the outcome of such an extended period of closure? Following an emergency, an effective plan should address immediate considerations of the organisation. Some examples include: Identify key people Alternate premises Communication Plant & machinery / equipment requirements IT equipment / data recovery / stationary

25. Risk Management Continued…. Contractor and Sub-contractor Management Ensure contractors are competent & able to control their own systems of work. Retain general supervisory power over any work. Define the contractors respective area of responsibility. Have you inducted the contractor? Site orientation. OH&S policy. First aid. Relevant policies and procedures. Emergency contact / Incident reporting.

26. Risk Management Continued…. Contractor and Sub-contractor Management Has the contractor: Demonstrated compliance with licensing, codes of conduct, legislation in areas of work? Provided a Safety Management Plan & Risk Assessment? Provided relevant Material Safety Data Sheets? Advised how they will provide a safe environment for the general public? Are plans in place to ensure work is supervised? How will hazardous materials or equipment be stored? Hot work permits & impairment notices? Public Liability Insurance (at least $10 million recommended)? Professional Indemnity Insurance (Consultants)? Workers Compensation Insurance?

27. Risk Management Continued…. Volunteers Policy and procedures (duty statement). Screening, assessment, training. Vulnerable people and child protection. Skill, capabilities, competence and due diligence. Induction, risk assessment and compliance.

28. Risk Management Continued…. Event Management Event Management is the act of managing something that happens at a given place and time. Business/Industry Events. Presentations, seminars, conferences, breakfast meetings. Fundraising, fetes, fun runs, sporting events, concerts, festivals, markets, fashion shows, trivia nights, camping, hazardous activities. Media event, news coverage, televised, newspapers, radio.

29. Risk Management Continued…. Event Risk Management Concept and Intricacies of the event. Planning logistics of the event. Identifying target audience. Establish the Risk Management context. Identify, Analyse, Evaluate, Controls. Communicate and Consult. Coordination of technical aspects. Planned execution of the event. Treat Risks.

30. Ansvar Insurance Thank You Community Care Education Faith Heritage