10/11/2016. UNC System Auditors - Employee Dishonesty Discussion. Master Crime-Employee Dishonesty Policy. Master Crime-Employee Dishonesty Policy
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1 UNC System Auditors - Employee Dishonesty Discussion Robin A. Bennington, AAI, CISR, CPIW Risk Manager Campus Safety and Risk Management The University of North Carolina at Chapel Hill Chapel Hill, NC October 2016 Coverage Extends to all State Agencies Named Insured The State of North Carolina Employees Full-time, Part-time, Temporary, Seasonal Students in possession of property or funds while in connection with sanctioned activities Non-compensated volunteers UNC.edu 2 Insurance Agreements Employee Dishonesty covers loss of money and securities and other property caused by dishonest acts of employees Computer Fraud covers loss of money and securities and other property caused by theft of property related to use of computer Wire Fund Transfer Fraud covers losses resulting from diverting state funds from a financial institution through a fraudulent wire transfer scam UNC.edu 3 1
2 Limit of Coverage $5,000,000 per occurrence Deductible insurer pays 90% of each loss less $100,000 Discovery Form 30 days to notify company Application required at each renewal UNC.edu 4 Deductible and Co-insurance Example Amount of Loss - $200,000 90% Coinsurance - $200,000 x.90 = $180,000 Deductible - $180,000 - $100,000 Total Settlement Check to us - $80,000 UNC.edu 5 Deductible The company will only pay if the amount of the loss exceeds the deductible and up to the Limit of Insurance subject to any co-insurance (90%) For loss covered under Employee Dishonesty you must: give written notice as soon as possible even though the loss falls entirely within the Deductible Amount; and upon the companies request, give a statement describing the loss. UNC.edu 6 2
3 Discovery of Loss When we first become aware of facts which would cause a reasonable person to assume that a loss covered by the Policy has been or will be incurred, Even though the exact amount or details of the loss may not then be known. When we receive notice of an actual or potential claim against us alleging facts that if true would constitute a covered loss under this insurance. UNC.edu 7 Duties in the Event of a Loss After we discover a loss or a situation that may result in a loss we must: notify the insurance company as soon as possible; but no later than 30 days after discovery of loss. submit to examination under oath at the companies request and give the company a signed statement of our answers; give the insurance company a detailed, sworn proof of loss within 120 days; and UNC.edu 8 Duties in the Event of a Loss continued cooperate with the insurance company in the investigation and settlement of any claim. If we have reason to believe that any loss involves a violation of the law, we must notify the police. UNC.edu 9 3
4 Concealment, Misrepresentation or Fraud This policy is void in any case of fraud by us. Coverage is void for intentional concealment or misrepresentation concerning: This insurance The covered property Our interest in the covered property; or A claim under this insurance. UNC.edu 10 Recoveries Recoveries, whether effected by us or by the company, shall be applied, net of the expense of such recovery, in the following manner and order: to the satisfaction of our loss which would otherwise have been paid under this Policy but for the fact that it is in excess of the Limit of Insurance and the Deductible Amount if any; then to the insurance company, until they have been reimbursed for the settlement made; UNC.edu 11 Recoveries continued then to us, until we are reimbursed for that part of the loss equal to the Deductible Amount, if any; then to us for any loss not covered by this Policy. Recoveries do not include any recovery from insurance, suretyship, reinsurance, security or indemnity taken for the insurance company benefit. If original securities are recovered after duplicates of such securities have been issued, the original securities become the property of the insurance company. UNC.edu 12 4
5 Recovery Example $10,000,000 Loss Fully Recovered $5,000,000 Policy Limit First $5,000,0000 above the policy limit to us Next $4,400,000 to insurance company Last $600,000 deductible and coinsurance to us We must work with the insurance company to pursue all claim recoveries even when the loss is in excess of the policy limits. The company must have the right to be involved or right of refusal. UNC.edu 13 Transfer of Our Rights and Duties Under This Policy Our rights and duties under this Policy may not be transferred without the written consent of the insurance company. UNC.edu 14 Transfer of Our Rights and Duties of Recovery Against Others To Insurance Company We must transfer to the insurance company all our rights of recovery against any person or organization for any loss we sustained and for which the insurance company has paid or settled. We must do everything necessary to secure those rights and do nothing after loss to impair the companies actual or potential rights of recovery. UNC.edu 15 5
6 IMPORTANT TO NOTE This slide presentation is just a summary of the coverage. The policy should be referred to for complete terms and conditions. UNC.edu 16 Master Crime - Employee Questions? UNC.edu 6
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