Fire, Ice, Sex and Employment Claims – It`s not a movie, its real life

Transcription

Fire, Ice, Sex and Employment Claims – It`s not a movie, its real life
Fire, Ice, Sex and Employment Claims
– It’s not a movie, its real life.
Scott Neufeld – SDAO Director of Risk Management – sneufeld@sdao.com
Geoff Sinclair – SDAO Director of Claims Services – gsinclair@sdao.com
Disclaimer – We are not here to Market PACE
FIRE !!!
ICE !!!
SEX !!!
RISK POOLING !!!!!!
RISK POOLING !!!!
Claim Trends
Challenges
Reinsurance
Helpful Hints Along the Way
Tort Cap Challenge
Claim Trends
Fire / Arson Claims
– Replacement Coverage
– Code Upgrades
– Extra Expense
Freeze Claims
– SDAO with 900+ members
• 11 SDAO members affected = $171,000
– PACE with 270+ members
• 31 PACE members affected = $3.7 million
Property Loss Prevention
• The Real Cost of Ignoring your Buildings
Staff Time
Public Perception
News Coverage
Board Member Recall/Changes
Bond success
Local Option Levy’s
Property Loss Prevention
• Basic Things to do
Walk the building – Rotate Buildings
Walk the roof – Fall protection, clean gutters/scuppers
Walk the perimeter of the building – Siding, Windows,
landscaping, vandalism, trip hazards
Get inside the areas less traveled - electrical rooms, attics,
crawlspaces etc.
Employment Claims
What is an Employment Claim?
Discrimination
Wage/Hour – BOLI
Retaliation
Employment Claims
What we are seeing –
$$$
Employment Claims
Employment Claims
Defense Costs Plaintiff Attorney Fees Damages Back Wages -
Employment Claims
PACE “Deductible” for NOT calling Pre-Loss
before making an adverse employment action
Employment Claims
Global Release
WC – HR – Bad Actor
= Opportunity for Final Resolution
Employment Claims
Healthy, transparent communication
– School Board and Super
– Be careful about daily access to staff
Boundary Invasion/Sex Abuse
Cultural Shift
What’s happened since
the Penn State scandal?
Boundary Invasion/Sex Abuse
Why this is such an issue
Other Pools
Media
Reputation
PACE Sex Abuse Claims 1989-2013
Boundary Invasion/Sex Abuse
Tell someone – (Guilt)
Start with the Hiring Process
Background – Use the Disclosure Release form
Interview – Who else can we talk to?
Credible, Detailed - Annual Reviews
Boundary Invasion/Sex Abuse
Boundary Invasion Toolkit:
What is it?
Why is it important?
What can you do?
The Role of Reinsurance
• Example of PACE Property Matrix
Reinsurance Retentions
PACE
Property $5,000,000
GL
$666,700
Large Loss….What Now?
During a Loss
Who is in charge
The Role of the Business Manager in a Large Claim
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Your Building
Your Decisions – contractors/opportunity/timeline (but…)
Emergency vs Bid Project
See the Future
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Ask Questions
Speak with a Peer
See the problems before they fester
Feel the tension increasing – help to relieve that tension
Oregon Tort Cap
• What is the Oregon Tort Cap and why is it
important?
Side Note
I would like OHSU to no longer be within the
Oregon Tort Cap
We are Teachers, Business Managers, Cafeteria
Workers….
We ARE NOT performing complex surgery every
day for millions of dollars in revenue.
Help us out
Please Don’t…
– Make promises to Patrons, Employees etc. about
coverage
– Tell them how much they can expect
– What other claimants have received
Help us out
Please Do…
• Tell us if you think we are wrong
• Give us honest input on what the your District needs
• Give us honest input on what you need
• Give us any details that you feel will be of any help
• Tell us if there are issues surrounding employee
performance, local politics, District plans for the future
What Can You Do ?
You CANNOT Put Your Head in the Sand
What can you do?
1. Quit – you are not qualified
2. Retire – you are sick and tired of this *$%^ !
3. Educate Yourself and Your Staff
***Attend
Hillsboro Safety Summit
PACE Day
OSBA Conference
OASBO Conference
OSSOA Conference
THANK YOU, Questions ???
pace.osba.org
losscontrol@sdao.com
claims@sdao.com
Geoff Sinclair
Dir. of Claims Services
gsinclair@sdao.com
503.670.7066 Office
503.329.2391 Cell
Scott Neufeld
Dir. of Risk Management
sneufeld@sdao.com
503.371.8667 Office
503.510.1031 Cell