Presented by Larry Vigil, Loss Control Consultant cell phone Introduction
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1 Insurance- Cost Allocation Development & Factors Presented by Larry Vigil, Loss Control Consultant cell phone Introduction NMAC- Title 6, Chapter 50 Part 12 Objective- To establish a loss control and a loss prevention management system for the purpose of reducing claims and costs. The loss prevention program is a service provided to the member school districts, charter schools and other educational entities in order to protect the insurance fund and its members from claims that could otherwise be prevented. The authority, through the program, provides recommendations for compliance to the members. It is the responsibility of the members to implement the recommendations for abatement. 1
2 Objective- Take Aways Examine Cost Allocation Structure & Factors Influencing Discuss basics of NMPSIA Coverage, Exclusions, Cost Structure Define And Calculate Cost Allocation Discuss and Calculate How Losses Are Spread Issues Impacting Cost Containment Safety, Risk Management & Loss Control Tools Definitions Self Insurance Pool Insurance Terminology Layers of Coverage Memorandum Of Coverage Replacement Value Deductibles Exclusions Cost Allocation Plan Spreading Losses 2
3 Cost Allocation Plan Premiums = Rate x Exposure x Experience Cost Allocation Plan Premiums = Rate x Exposure x Experience Rates- Determined by actuarial data Credibility Factor Value = per $100 3
4 Cost Allocation Plan Premiums = Rate x Exposure x Experience Exposure- Location Fire Protection Total Insurance Value- TIV Annual TIV 5 Year TIV Cost Allocation Plan Premiums = Rate x Exposure x Experience Experience- modifiers built to spread cost of risk 5 Year Losses Shock Claims Adjustment Factors Factor > 1.0 = Debit Factor < 1.0 = Credit 4
5 Hypothetical Example # 1 Premiums = Rate x Exposure x Experience Rate=.30 Exposure = $1,000,000 Experience = X $1,000,000 X 1.0 / 100 = $3,000 Hypothetical Example #2 Premiums = Rate x Exposure x Experience Rate=.30 Exposure = $1,000,000 Experience = X $1,000,000 X 1.05 / 100 = $3,150 5
6 Hypothetical Example #3 Premiums = Rate x Exposure x Experience Rate=.30 Exposure = $1,000,000 Experience = X $1,000,000 X.95 / 100 = $2,850 Maintenance Program Ensures Functional Building Systems Roof HVAC Electrical Communications Grounds Emergency Protection Systems 6
7 Maintenance Failures = Hazards Maintenance Failures = Hazards 7
8 Maintenance Failures = Hazards Maintenance Failures = Hazards 8
9 Maintenance Failures = Hazards Maintenance Failures = Hazards 9
10 Maintenance Failures = Hazards Maintenance Failures = Hazards 10
11 9/27/17 Maintenance Failures = Hazards Maintenance Failures = Hazards 11
12 12
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16 Fire rated door to the principals office. Closed during the fire. Principal s office showing limited damage as a result of the fire rated door. 16
17 Office supply storage door. Fire rated door left open the night of the fire. Copier and data network and all wiring unsalvageable 17
18 Claim Cost vs. Maintenance Cost Was it covered? Excluded? Deductible? Time to repair? Loss of use? Increased cost of construction? Experience factor? Spreading Loss Definition- What does it mean? Size of Loss What size of claims can be spread? Example of Losses- What kind of claims are spread? Calculation Excercise 18
19 A Closer Look at Insurance Costs Safety, Loss Control & Risk Management Address Pre Loss Activity Policies Procedures Risk Services 19
20 Risk Services Ergonomics Objective: Reduce the frequency and severity of costly soft tissue injuries by school employees. Threat Assessment and Active Shooter Objective: Reduce the probability of an incident of multiple victim school violence. Employment Practices Policy and Consulting Objective : Reduce the number of employment practices claims (wrongful termination, violation of contract) Technical Assistance Program for Special Education Objective: Reduce number of IDEA (Individual with Disabilities in Education) Due Process/Litigation claims. On-site School Facility Audits Objective: Reduce the frequency of Worker's Compensation, Liability and Property Claims. Safety Training Objective- Reduce the frequency and severity of Worker s Compensation by identifying and reducing or eliminating work place hazards, OSHA Compliance Identifying a Predator Training Objective: Reduce the number of sexual molestation claims in NM public Schools Bullying Prevention Training and sustainable policy development consulting Objective: Assist schools with understanding of the issues and development of policies addressing bullying. Armed school employees Objective: Assist schools with an understanding of the relevant statutes, policies, procedures and liabilities necessary to make informed judgements regarding arming employees. Conclusion- Take Aways Insurance Terminology Cost Allocation Formula Rate Exposure Experience Maintenance Costs vs. Claims Costs Calculating Loss Spread Pre-Loss Activity to Contain Costs 20
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