WHAT RISKS/SOURCES OF LOSS EXIST IN TOWNSHIPS?

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1 LIABILITIES & DEFENSES FOR NEW TRUSTEES RISK MANAGEMENT, RISK TRANSFER & GOOD CLAIMS HANDLING PRESENTED BY OTARMA WHAT RISKS/SOURCES OF LOSS EXIST IN TOWNSHIPS? Auto Liability Lack of Motor Vehicle Record (MVR) checks, written driving policy leads to poor operation of vehicles, lack of refresher driver training General liability Road/Sign conditions, crowd control at functions, trees LIABILITY Police Professional Liability use of force, insufficient training Public Officials Human Resource issues, harassment, wrongful termination, contractual agreements including mutual aid/shared services agreements 1

2 WHAT RISKS/SOURCES OF LOSS EXIST IN TOWNSHIPS? LIABILITY Administration building/township Hall lease/rent to public Cemeteries vandalism and headstone damage, maintenance of road and grounds, lost or incomplete plat maps/records Parks and Playgrounds follow CPSC guidelines, lack of documented inspections, protective surfacing lead paint, choke hazards, lakes WHAT RISKS/SOURCES OF LOSS EXIST IN TOWNSHIPS? PROPERTY Building damage fire, flood, weather damage to building and contents (annual inventory list) Automobile damage collision, electrical faults, poor maintenance Cemetery damage vandalism, weather damage Equipment damage misuse, poor maintenance 2

3 WHY RISK MANAGEMENT? Locate and comprehend dangers/causes of potential losses, liability and property Locate and implement effective controls Prevent losses or reduce the impact of losses that occur WHY RISK MANAGEMENT? 01 Comply with local, state and federal laws and guidelines 02 Efficiently utilize resources financial, human and equipment 03 Improve services to residents 3

4 INCREASE AWARENESS AND EARLY RECOGNITION OF POTENTIAL LOSSES ENHANCES RESPONSIBILITY AND RESOURCES BOOSTS COMMUNICATION PRESENTS NEW OPPORTUNITIES TO IMPROVE POLICIES, PROCEDURES SAVES TIME AND MONEY! MORE BENEFITS OF IMPLEMENTING RISK MANAGEMENT TECHNIQUES RISK MANAGEMENT TECHNIQUES 1. RISK AVOIDANCE elimination of a risk at any cost (change a hazardous chemical, i.e., enamel paint, for a less hazardous one, i.e., water based paint) or stay in bed all day to avoid illness or death 2. LOSS CONTROL also known as risk management, these are safety measures implemented to reduce the potential for loss or to reduce the impact of a loss RISK FINANCING TECHNIQUES 3. RISK RETENTION finance some or all of the loss yourself 4. RISK TRANSFER insurance, contract out the work or service to another entity 4

5 MAIN AREAS OF LIABILITY LOSSES FOR OHIO TOWNSHIPS DRIVING Check MVRs at time of hire and annually thereafter for all drivers Written driving policy with Driver Acceptability Standards (6 or more points) Enforce policy Provide documented refresher driver training Documented preventive maintenance/repairs Pre trip inspection checklist ROADS AND SIGNS Inventory list Road and sign inspection sheet Monthly review of roads and signs documented Document conditions and repairs daily Citizen complaints, local police Written agreements, if needed MAIN AREAS OF LIABILITY LOSSES FOR OHIO TOWNSHIPS 5

6 MAIN AREAS OF LIABILITY LOSSES FOR OHIO TOWNSHIPS CONTRACTS Subcontractors, shared services, mutual aid, fire department services Hold harmless language Ohio Attorney General Opinion state institutions cannot indemnify other entities Review by legal counsel, risk manager, underwriter This Photo by Unknown Author is licensed under CC BY NC SA MAIN AREAS OF LIABILITY LOSSES FOR OHIO TOWNSHIPS PROPERTY LOSSES Fire safety not in place/not up to date Building in disrepair, electrical issues Flammables/combustibles stored in unsafe manner Equipment in poor condition Malicious damage Weather extremes Annual Inventory This Photo by Unknown Author is licensed under CC BY SA 6

7 Work with agent and risk management Implement risk management techniques Updates policies and procedures Provide and document regular training Document activities Attend educational sessions OTA Talk with other townships to learn about their losses WHAT CAN YOU DO? questions? 7

8 EFFECTIVE CLAIMS HANDLING Jim DeLucas This Photo by Unknown Author is licensed under CC BY SA 8