Risk Management The Process & Concepts. Mitch Kenyon, ARM Municipal Insurance Association of British Columbia
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1 Risk Management The Process & Concepts Mitch Kenyon, ARM Municipal Insurance Association of British Columbia
2 MIABC Owned & Governed by 170 BC Local Governments Commenced 1987 Governed by 15 Board 18 Staff Vancouver Based
3 Services Provided to Our Members General Liability Insurance Errors & Omissions Insurance Risk Management Services Claims Management Services In-house Legal Counsel Casual Legal Services Volunteer Accident Benefits
4 Who are you? Who here is a risk manager?
5 Who here is a Risk Manger? 1. Lock your home 2. Drink & Drive 3. Bet all at Casino 4. First Aid Kit 5. Disaster Recovery Kit 6. Sun Screen 7. Safe Sex
6 What is Risk Management? Risk Management is: The process of making and carrying out decisions that will minimize the adverse financial effects of losses upon an organization.
7 Concepts of Risk Risk involves variability from expected future outcomes Risk involves uncertainty about our ability to know Risk is not limited to accidental losses that are insurable Managing risks does not necessarily mean eliminating them.
8 Total Cost of Risk The sume of all costs borne by an organization due to the presence of risk and uncertainty Insurance premiums Risk control costs Deductibles Administration costs Activities not undertaken
9 Risk Management Process 1. Identify Loss Exposures 2. Analyze Loss Exposures 3. Examining Alternative Risk Management Techniques 4. Select Risk Management Techniques 5. Implement Techniques 6. Monitor Results
10 Identification Tools Surveys & Questionnaires Loss History Financial Records Other Records (bylaws, minutes contracts) Statutes & Regulations Legal Decisions Flowcharts Personal Inspections Experts
11 Analyzing Risks Severity Frequency
12 Examining Alternative Risk Management Techniques Cost / Benefit Analysis Cash flow Analysis
13 Risk Control Techniques
14 Risk Control Techniques 1. Exposure Avoidence 2. Loss Prevention 3. Loss Reduction 4. Segregation of Exposure Units 1. Seperation 2. Duplication 5. Contractual Transfer for Risk Control
15 Risk Finance Techniques
16 Risk Finance Techniques
17 Risk Finance Techniques 1. Retention through 1. Current expensing of losses 2. Unfunded Reserve 3. Funded reserve 4. Borrowed funds 5. Affiliated captive insurer, Pool 2. Commercial insurance 3. Contractual Transfer for Risk Financing
18 What do we buy insurance for?
19 What do we buy insurance for? 1. Auto 2. Property Damage 3. Bodily Injury (WCB, Travel) 4. General Liability (Property, Bodily Injury) 5. Errors & Omissions 6. Net Income (crime, business interruption)
20 Difficult to insure
21 Difficult to insure 1. Reputation 2. Legal 3. Key Personnel 4. Investments 5. Business Operations 6. Environment
22 Policies as RM Tools Any policy developed by a municipality must be reasonable The policy must appropriately balance cost and risk The policy and procedures must be consistently enforced Need to document any operations decisions that significantly depart from standard practice Policy should be preserved indefinitely for defense purposes Adequate records must be maintained to provide proper defense
23 Facility Inspections Inspection of facilities must be accompanied by appropriate and immediate repair of any defects Previous incidents may serve as a warning of potential future liability if the condition is not remedied The lack of previous incidents may only be due to chance There is a duty on the part of the facility owner to warn users of foreseeable harm The condition of the premises must be suitable for their intended use.
24 No Surprises! The Management of Risk Corporate / Political Objectives Continuity of Operations Humanitarian How much risk can the organization retain vs. How much risk is the organization willing to retain?
25 The Role of Risk Management Risk Identification Initiates Risk Evaluation Stakeholder Assessment Risk Control Managing Risk & the Ripple Risk Finance How much? Internal External Monitoring Change
26 The Risk Manager s Role Insurance Buying Insurance / Risk Management Advising Employee / Stakeholder Training Acts as a resource of information Safety Management Collects Data Policy & Procedure Development & Review Contract Analysis Claims Management/Resolution Suety / Guarantee Arrangements Catastrophe / Business Resumption Planning
27 RM & ERM Skills Service Knowledge & Expertise Communication Computer Skills Commitment to Learn People Skills Sense of Humour Resiliency Creativity
28 Are you a Risk Manager?
29 Are you a Risk Manager?
30 Are you a Risk Manager?
31 Are you a Risk Manager?
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