Risk Management at Oregon State University

1. Risk Managementat Oregon State University Presented by: Joyce K. Fred, Risk Officer MBA, MPA, ARM November 19, 2008

2. Risk 101 • What is Risk? • Exposure to the chance of injury or loss • Basics of Risk Management • Avoidance • Control • Prevention and/or Reduction • Transfer • Insurance • Contracts and/or Waivers

3. Insurance 101 • Self insured through DAS Risk • Mandated by Oregon Revised Statutes • Assessed for prior losses • Risk Charges ( 84% - $8M in 07-09) • Purchased policies by DAS only • i.e. Special Events – Daycare – Research Vessels

4. Property 101 • Owned or leased buildings • Contents and Vehicles • Special Collections, Equipment (i.e. IT) • Goal: to restore to the same condition • State Deductible - $1.5 Million • OSU Deductible - $2500 (generally) • Equipment Breakdown - $25,000 • Report ALL losses under deductible • Stop Tag Program

5. Liability 101 (Negligent acts) • Oregon Tort Claims Act (ORS 30.260 to 30.300) • $50,000 Property Damage • $100,000 Bodily Injury • (Additional $100,000 available) • $500,000 per occurrence • N/A out of state or in Federal Courts or Internationally • Clarke vs. OHSU • Known hazards

6. Facility Use • Facility use agreements (risk transfer) • Inter-departmental • Non-OSU entity use or activities • i.e. Conferences • $1M liability required • Alcohol use • Security

7. Vehicle Use • Authorized drivers • University/student employees • Temporary staff/faculty • Students participating in an officially sanctioned program • Officially appointed volunteers • Federal, State, County, & City employees • Completed Driver Authorization Form and has met Minimum Standards for Drivers (outlined on form)

8. Vehicle Use (cont) • Personally Owned Vehicles • Rental Vehicles - Enterprise Contract vs. Others • Prohibited uses • Transporting family members, friends, pets, minors, hitchhikers, observers, ride-alongs • Personal use (including to/from home) • Use that is not in course/scope of duties • Consuming/possessing alcohol, smoking, and illegal drugs • Transporting firearms, unless for state business • Granting use to an unauthorized driver

9. Volunteers • Agents of OSU - under OSU direction and control • Protected under Tort Limits (incl Defense for claims) • Eligible for Vehicle Use • Eligible for Volunteer Injury Coverage • Does the volunteer qualify for Volunteer Injury Coverage • Students • Non-compensated • Position description • No cost • Up to $25,000 limits • Excess over personal insurance • Must apply PRIOR to Injury

10. Alcohol • Limited to Beer and Wine • Registration w/i 3 weeks of event • Pre-approved locations • LaSells Stewart Center • CH2M Hill Alumni Center • Valley Football Center • Reser Stadium • International Forum in Memorial Union • Agricultural Experiment Stations • Served only by Licensed and Insured Vendors • Insurance Coverage • Donated alcohol • http://risk.oregonstate.edu outlines the process and OARs (576-060)

11. Property Claims Reporting • Contact the Office of Risk Management • Earliest is best • DPS or Facilities not responsible • Complete Claims Form • For Vehicles, refer to Accident Report Packet • Obtain documentation about the incident and damages • Photos • Witness Info • Police reports • 2 estimates of damages • Reminder: Loss of use

12. Liability Claims Reporting • Injured parties • Refer to Office of Risk Management • Do not admit negligence or liability • University will NOT contact the injured party • Obtain documentation about the incident • Statements • Contact info for witnesses • Injured party info • Refer all 3rd party insurance carriers to Office of Risk Management or General Counsel

13. Claims of Severity • Contact Office of Risk Management immediately • Refer to Emergency plans • Emergency Response • Adjusters and Claims Teams • Recovery and Continuity • Keep DETAILED records • Receipts • Time

14. Questions?? Joyce K. Fred, Risk Officer Office of Risk Management 644 SW 13th St 541-737-7252 Website: risk.oregonstate.edu