RISK EXPOSURE GATHERING AND REPORTING

1. RISK EXPOSURE GATHERING AND REPORTING Contact Don Martin (225) 342-3420 www.doa.louisiana.gov/orm

2. Why Collect Exposure Data ? • Legal ORM Statute - LA R.S. 39:1535 • Financial Ancillary Agency • Informational

3. Why Collect Exposure Data ? • Agency premiums calculated based on 2 factors: 1. Experience (claims history) 2. Exposure (exposures reported)

4. Weight of Exposure Factors

5. Exposure Reporting Help www.doa.louisiana.gov/orm/uwexpman.htm Exposure Reporting Manual

6. Risk Exposures Reported Quarterly Workers Compensation Coverage • Regular Payroll = Gross Payroll - Maritime Payroll • Agency reports Total Gross Payroll • Agency payroll reported automatically if under ISIS/HR payroll • Include all wages paid during quarter - full time, part time, temporary, etc.

7. Risk Exposures Reported Quarterly W. C. – Maritime Coverage • Agency reports Total Maritime Payroll amounts quarterly • Employees who travel/work over water • Maritime - Federal law Regular WC – State law

8. Risk Exposures Reported Quarterly General Liability (CGL) Coverage • Total Compensation = Gross Payroll + “Outside” Board Members

9. Risk Exposures Reported Quarterly Personal Injury Liability • Same Risk Exposure as CGL (Total Compensation)

10. Risk Exposures Reported Quarterly Automobile Liability Coverage • Total Mileage = Public Vehicle Miles + Private Vehicle Miles

11. Risk Exposures Reported Quarterly Auto Physical Damage Coverage • # of state-owned vehicles • Include licensed trailers • No personally-owned vehicles counted • Report # of vehicles as of the last day of the quarter

12. Risk Exposures Reported Quarterly Boiler & Machinery Coverage • % of building structure value for locations with boiler & machinery equipment • Exposure not reported directly - derived

13. Risk Exposures Reported Quarterly Property Coverage • Total Property Value =Building Values + Regular Contents Values + Special Values • Property reports mailed bi-annually

14. Risk Exposures Reported Quarterly Bond Coverage • # of Employees  Bond Units • Agency reports # of employees working on the last day of the quarter • Employee classifications A, B & C no longer reported

15. Risk Exposures Reported Quarterly Crime Coverage • “Peak Exposure-Crime” reported on Quarterly Risk Exposure Report • Crime exposures no longer reported using manual crime forms • Peak Exposure-Crime: Highest amount of cash/cash equivalents on hand at any one time during the quarter • Reporting locations with $$ at multiple internal locations -- Use location with the single highest amount

16. Risk Exposures Reported Quarterly Miscellaneous & Excess Tort • Regular Payroll (Gross - Maritime Payroll)

17. Risk Exposures Reported Quarterly Medical Malpractice • Risk Exposures divided into 2 groups: 1. Hospitals & LSU Medical Schools • Emergency Room Visits • Hospital Patient Days - inpatient • Hospital Clinic Days - outpatient • # Residents/Interns • # of Physicians

18. Risk Exposures Reported Quarterly Medical Malpractice (cont.) 1. Hospitals & LSU Medical Schools (cont.) • Outpatient Surgeries ** • Number of Births** ** New exposure categories added FY 2004-05

19. Risk Exposures Reported Quarterly Medical Malpractice (cont.) 2. Non-Hospital/Medical Schools • Patient Days - inpatient • Clinic Visits – outpatient • # of Physicians • Other Medical Malpractice Exposures - health care students in clinicals

20. How To Report Risk Exposures • Except for Property, these risk exposures are reported on a quarterly basis using the Online Risk Exposure Reporting Form

21. How To Report Risk Exposures • Email notification • ORM homepage= www.doa.louisiana.gov/orm • Left column, Click “Exposure” • Click on “Exposure Reporting”

22. How To Report Risk Exposures

23. How To Report Risk Exposures • Two Security Alert pop-up screens will appear, Click “Yes” • Logon screen • Logon ID and Password are the ORM 4-digit location code for your agency

24. How To Report Risk Exposures

25. How To Report Risk Exposures • Click “Connect” • Risk Exposure Report • Previous quarters’ exposures on the left • Input the data for the current quarter in the blank fields on the right of the screen

26. How To Report Risk Exposures

27. How To Report Risk Exposures • “Comment” field • “Prepared By” field is required • Click on the “Update Risk Exposure Data” button

28. How To Report Risk Exposures

29. How To Report Risk Exposures • “0” value fields  safeguard pop-up screen • Hit the “OK” button or “Cancel” (to return to any missed fields) • Screen print • Click the “Update Risk Exposure” button • Update confirmation screen • Multiple locations  “Return to Logon Page”

30. How To Report Risk Exposures

31. Property Exposure Reporting

35. Aviation Exposure Reporting • Current aircraft exposures sent to agencies for review and update. • All additions, deletions, or changes reported back to ORM. • Update any exposure changes. • Calculate pro-rata charge or credit per agency per aircraft.

36. Wet Marine Exposure Reporting • Current wet marine exposure sent to agencies for review and update. • All additions, deletions, or changes reported to ORM. • Update any exposure changes. • ORM reports changes to commercial carrier. Carrier sends an endorsement to the policy reflecting the change and an invoice with the additional premium or premium credit.

37. Exposure Report Cover Letter

38. Aviation Exposure Report

39. Wet Marine Exposure Report

40. Wet Marine Appraisal Contact Form