docFire, Ice, Sex and Employment Claims – It`s not a movie, its real life
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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 $666,700 Large Loss….What Now? During a Loss Who is in charge The Role of the Business Manager in a Large Claim – – – – Your Building Your Decisions – contractors/opportunity/timeline (but…) Emergency vs Bid Project See the Future • • • • Ask Questions Speak with a Peer See the problems before they fester Feel the tension increasing – help to relieve that tension Oregon Tort Cap • What is the Oregon Tort Cap and why is it important? Side Note I would like OHSU to no longer be within the Oregon Tort Cap We are Teachers, Business Managers, Cafeteria Workers…. We ARE NOT performing complex surgery every day for millions of dollars in revenue. Help us out Please Don’t… – Make promises to Patrons, Employees etc. about coverage – Tell them how much they can expect – What other claimants have received Help us out Please Do… • Tell us if you think we are wrong • Give us honest input on what the your District needs • Give us honest input on what you need • Give us any details that you feel will be of any help • Tell us if there are issues surrounding employee performance, local politics, District plans for the future What Can You Do ? You CANNOT Put Your Head in the Sand What can you do? 1. Quit – you are not qualified 2. Retire – you are sick and tired of this *$%^ ! 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
