2010 Office of Risk Management Regional Conference

1. 2010Office of Risk ManagementRegional Conference

3. The Office of Risk Management

4. ORM Statute LA R.S. 39:1535

5. Administrative Code http://doa.louisiana.gov/osr/lac/books.htm Title 37, Insurance Compiled December 2009

6. ORM WEBSITE www.doa.louisiana.gov/orm

7. Affiliations • PRIMA • LABI • IRMI • PIA OF LA • ISO • RIMS • STRIMA • NSC • AGA • NIGP • GFOA • IIA OF LA • NAA

8. Office of Risk Management Insurance Coverages

9. Description of Coverages www.doa.louisiana.gov/orm/Uwcov.htm Catalog of Insurance Coverages and Services

10. Commercial General Liability • Public “Slip & Fall” Policy • Coverage for bodily injury and property damage • Broad coverage with specific exclusions • No deductible

11. Personal Injury & Advertising Liability • Part of CGL • Covers non-bodily injury liabilities • False arrest • Wrongful entry or eviction • Libel • Slander

12. Publishers Media Liability • Covers non bodily injury claims • Arising out of the broadcasting and publication of media • Broadcasting of TV, motion pictures, radio, etc. • Publication of newspapers, magazines, books, music, websites, etc. • No deductible

13. Medical Malpractice • Coverage for negligent acts of State medical professionals • No deductible

14. Automobile Liability &Physical Damage • Liability • Automatic coverage • Primary BI & PD coverage for all State vehicles • No deductible

15. Automobile Liability &Physical Damage cont. • Physical Damage • Coverage for State-owned or leased vehicles only • Reimbursement of deductible on personal vehicles used on State business • Deductibles: • $1,000 Comprehensive • $1,000 Collision

16. Automobile Liability &Physical Damage cont. • Enterprise Motor Pool Contract • Enterprise pays physical damage claims • Enterprise pays liability claims up to $1,000,000

17. Aviation & Airport • All aircraft must be reported! • Non-owned aircraft exposures • Airport Hangarkeepers Liability Coverage Available • Deductibles • $1,000 Hull • No deductible Liability

18. Wet Marine • All watercraft over 26 feet must be reported! • Deductibles • $1,000 Hull • No deductible P&I

19. Workers’ Compensation • Statutory & Maritime • Medical payments and weekly compensation payments for injured employees • Worldwide coverage • Volunteers eligible for medical payments only • No deductible

20. Bond • Covers theft by employees • Includes: • Property manager • Notary • Postal bond • Public official • $1,000 deductible

21. Crime • Covers robbery and safe burglary by non state employees • Employee theft not covered here • $1,000 deductible

22. Property • Building structures • Office equipment • Fine arts • Animals • Mobile equipment • Boats 26 feet and under and motors • $1,000 deductible for all perils excluding flood • $5,000 deductible for Flood

23. Equipment Breakdown Coverage(Boiler & Machinery) • Property damage to boilers and related equipment • Business income / extra expense • $1,000 deductible for 1st party property damage • No deductible for liability claims

24. Bridge Property Damage • Property damage to bridges • Business income / extra expense • Scheduled bridges only • Leeville-Fourchon Bridge • $1,000 deductible