Orange County Risk Management. Annual Report FY

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1 Orange County Risk Management Annual Report FY

2 Risk Management s Executive Summary This report contains information on the losses and costs for Orange County s auto liability, physical liability, property liability, general liability and workers compensation exposures for fiscal year The report, statistics and graphs generated for the County departments are intended to assist departments in recognizing the cause and extent of their losses and to lead the departments to implement effective loss control programs and establish effective safety procedures in an endeavor to control the possible threat of an accident to employees and to lower overall costs. Risk Management completed 35 years administrating the County s self-insurance program. Our loss control objectives are to: Protect the public from incidents that may arise out of Orange County Government operations. Protect employees, operations, and Orange County assets from losses that may result from workplace injuries, vehicular accidents, and physical damage to property. Prevent and control property loss by identifying and evaluating property and equipment hazards so that well engineered, properly installed, properly maintained equipment and materials provide protective features to offset these hazards. Minimize the financial burden incurred by the citizens and taxpayers of Orange County as a result of any accidental loss. Risk Management s primary activities are: risk identification; risk analysis; eliminating or reducing risks; financing risks; administrating the risk management process; managing the entity s risk of loss from injuries to employees, the public and damage to property, including the expenses associated with these exposures. Risk Management s function is then to determine the proper mix of risk retention (self-insurance), risk transfer (insurance), and safety and environmental management. Review of Claims for FY There was a slight increase of 3.5% in the overall number of claims that occurred. There was also a corresponding increase of 6% in the overall cost of claims. The cost increase is the result of several significant losses including two (2) automobile liability claims resulting in $360,000 in losses, two (2) general liability claims resulting in $300,000 in losses, and two (2) workers compensation cardiac claims resulting in $334,000 in losses. Despite these shock losses, there was still an overall reduction in the average cost of losses for the year. The actuarial study recommends a significant reduction in overall program reserves even with an additional year of loss experience added. The recommended funding level for FY is $37,981,008, on a discounted basis, and represents a decrease of $1,644,272 from FY This decrease is the result of continued positive loss experience development. Orange County Annual Report FY

3 Total Cases by Coverage for Past Six Years 2,500 2,000 1,500 1, Workers' Comp Auto Liability General Liability 1st Party Property Overall Totals Total Incurred Cost by Coverage for Past Six Years $8,000,000 $7,000,000 $6,000,000 $5,000,000 $4,000,000 $3,000,000 $2,000, $1,000,000 $0 Workers' Comp Auto Liability General Liability 1st Party Property Overall Totals Risk Management s Primary Activities Risk Identification Monthly loss control data such as workers compensation, liability, automobile liability and property damage claims, are used to review cases and formulate training and awareness presentations and to direct communications appropriately. Orange County Annual Report FY

4 A property database is maintained and updated on an annual basis. Risk assesses all County structures and values each property at current replacement cost. Many hazards are identified by inspections, audits, assessments, past experiences, departmental needs, history of accidents, trends, system evaluation, frequency, severity data and the use of specialists. To aid in the identification of risks, in-house safety inspections and surveys are scheduled and completed. Information from insurance inspections, fire inspections, asbestos, radon and lead-based paint surveys help isolate potential safety and health hazards. Phase I Environmental Site Assessments, environmental inspections, state compliance inspections and plan reviews help to identify risks. Employees are encouraged to call in safety issues and concerns, to follow the Orange County Safety and Loss Prevention Manual and to participate in safety and environmental recommendations. Risk Analysis Losses are evaluated and determined to be acceptable or unacceptable, and the probability of recurrence is assessed. Risk analysis involves the measuring of retention levels, probability of occurrence, safety analysis (frequency and severity of injuries and illnesses, equipment damages and property losses), and the cash flow analysis of the financial consequences of non-conformance in addition to the financial consequences of conformance. Frequency Distribution for County workers compensation claims reported for FY 09-10, FY & FY by age, years of service, & County demographics: Age Range % Of Cases FY % Of Cases FY % Of Cases FY Average Incurred FY Average Incurred FY Average Incurred FY % Of County > $1,518 $6,889 $ $4,277 $5,497 $4, $5,198 $3,851 $4, $2,366 $2,170 $3, < $982 $1,089 $7,752 2 Years Of Service % Of Cases FY % Of Cases FY % Of Cases FY Average Incurred FY Average Incurred FY Average Incurred FY % Of County > $7,149 $7,739 $5, $3,903 $5,390 $5, $4,700 $3,845 $4, < $3,278 $2,922 $3, Top 5 Causes of Injury and Body Parts Injured by the County as a Whole Top 5 Causes Top 5 Body Parts Injured 1. Strain 1. Hand 2. Struck By/Against 2. Lower Back 3. Slips/Trips/Falls 3. Knee 4. Other Than Physical Cause of Injury (Hypertension/TB/Meningitis/Exposure to Bodily Fluids) 4. Heart 5. Cut/Puncture 5. Leg Orange County Annual Report FY

5 Multiple Body Part Injuries 14% of cases, 8% of cost Head Injuries 7% of cases, 4% of cost. Upper Extremities Injuries 30% of cases, 19% of cost. Body Systems & Multiple Body Systems (Exposure to Bodily Fluids/Respiratory/Heat Exposure) 4% of cases, 2% of cost Heart 8% of cases, 35% of cost. Trunk Injuries 6% of cases (except back), 7% of cost. Back is 9% of cases, 6% of cost. Lower Extremities Injuries 21% of cases, 21% of cost. Orange County Annual Report FY

6 Heart Related Claims as Percentage of Total Claims & Cost % of Claims % of Cost FY FY FY Orange County Annual Report FY

7 Corrections Heart Claims as Percentage of Total Claims & Cost % of Claims % of Cost FY FY FY Fire Rescue Heart Claims as Percentage of Total Claims & Cost % of Claims % of Cost FY FY FY Orange County Annual Report FY

8 Severity Distribution for Workers Compensation (County FY 11-12) Severity Range Cases % Incurred Cost % $ $5, * (244) 85 $884, $5,001 - $25, $1,228, $25,001 - $50, $637, $50, $1,708, Totals $4,458, Severity Distribution for Workers Compensation (County FY 10-11) Severity Range Cases % Incurred Cost % $ $5, * (198) 84 $823, $5,001 - $25, $1,214, $25,001 - $50, $691, $50, $1,580, Totals $4,310, Severity Distribution for Workers Compensation (County FY 09-10) Severity Range Cases % Incurred Cost % $ $5, * (241) 85 $746, $5,001 - $25, $1,281, $25,001 - $50, $791, $50, $1,509, Totals $4,329, Severity Distribution for Workers Compensation (County FY 08-09) Severity Range Cases % Incurred Cost % $ $5, * (260) 86 $813, $5,001 - $25, $1,144, $25,001 - $50, $871, $50, $2,042, Totals $4,871, Severity Distribution for Workers Compensation (County FY 07-08) Severity Range Cases % Incurred Cost % $ $5, * (248) 85 $1,000, $5,001 - $25, $1,419, $25,001 - $50, $1,146, $50, $1,026, Totals $4,592, *Includes Incident Only Cases (Incident Only Cases denoted in blue) Eliminating or Reducing Risks In eliminating or reducing risks, there are four main areas in which Risk Management concentrates its efforts: Orange County Annual Report FY

9 1. Involvement and Participation Employees and management working together in accident/incident prevention programs, back to work programs and safety committees. 2. Training Training is focused on safe procedures and practices; protective measures to take to safeguard employees, equipment and property; hazard recognition; evaluation and adherence to safety rules and regulations. Financing Risks 3. Communication Communication is encouraged between employees and management. Between Risk Management and departments/divisions, it is accomplished through the use of seminars, training, orientation, brochures, employee handbooks, the Safety and Loss Prevention Manual, inspections and safety committees. Computer Based Training (CBT) was introduced in July 05 with Driver Education Training (DET) on the Internet. 4. Enforcement Enforcement not only requires the adherence to regulations and rules it also involves management and employee participation in training, communication and commitment to a safe workplace. Reinforcing positive behavior is just as important as ensuring the employee is equipped to handle the job and has the knowledge to perform the task correctly and efficiently. In 1977, the county established a self-insurance program to fund and manage its losses and expenses associated with workers compensation, general liability, automobile liability, and property liability. The County buys excess workers compensation insurance with a self-insured retention of $2,000,000 (04/01/10). The County purchases general liability coverage with a $1,000,000 deductible and limit of $10,000,000. In civil cases, the County relies on Sovereign Immunity protection provided by Florida Statute This statute limits governmental liability for bodily injury and property damage to $200,000 per person, $300,000 per occurrence (can be exceeded by a claims bill). Sovereign Immunity protection does not apply to federal court cases, such as civil rights and discrimination cases. The County has a property insurance policy that pays losses in excess of $500,000 per occurrence (except wind storm, 2% of total insurable value at affected location for wind & hail with a maximum aggregate loss of $10,000,000). All departments must pay the first $2,500 of any property loss. Losses between $2,500 and $500,000 are paid from the self-insurance fund. The named windstorm limit is $100,000,000 and other perils are $1,000,000,000. If a third party damages County property, the County s third party administrator handles the subrogation claim. The calculation of each department s self-insurance charge is estimated on the total cost of the self-insurance program. Charges are allocated to each department based on its exposure base (represents the type and amount of risk exposure); frequency of claims (four year average of claims filed, then based on the departments percentage of claims in relationship to the total average number of claims for workers compensation, auto liability and general liability self- Orange County Annual Report FY

10 insurance program); severity of claims (four year average of the total amount paid, then based on its percentage of the average amount paid in relationship to the total average number of claims for workers compensation, auto liability and general liability self-insurance program). Property is determined based upon insured values. If a department is non-compliant with safety recommendations, the charges may include a surcharge. Alternatively the department may receive a credit for compliance with safety recommendations. Administrating the Risk Management Process The Risk Management Committee is responsible for monitoring operations of the self- insurance program, recommending and implementing program policies, strengthening risk management and safety, and reviewing and approving claim payments. The committee meets weekly and is currently comprised of representatives from the Comptroller, The Office of Accountability, Convention Center, Fire Rescue, Utilities, Health Services, and Growth Management. A rotational plan for committee membership has been developed so that all departments will have the opportunity to serve and participate. The County contracts with a claims adjusting company, Third Party Administrator (TPA), to investigate and process (adjust) claims. The TPA has licensed adjusters for workers compensation, auto liability, general liability, and property damage. Work related injuries (no matter how minor) are required to be reported to the injured employees supervisor or designee. The supervisor must report the injury via telephone to the TPA. Risk Management s Sections Claims Section The Claims Section consists of three analysts and a nurse case manager. They are responsible for the oversight of the County s TPA, Alternative Service Concepts (ASC). The analysts facilitate the reporting and investigation of all liability and workers compensation claims. The analysts monitor reserves on all open claims to insure proper claims funding. The nurse case manager coordinates medical care for the injured worker with approved medical care providers via ASC. The claims section works closely with the safety section to provide a safe work environment for all Orange County employees. The workers compensation objectives are to: Replace lost income. Provide medical treatment and ensure that the employee receives proper medical treatment. Encourage a proactive interest in accident and injury prevention. Restore earning capacity and work capability of employees through rehabilitation. Return the employee back to work in the shortest time possible. Encourage investigation of accident/incidents to preclude future injuries. Policy Placement and Contract Review Section The Policy Placement and Contract Review Section is responsible for obtaining the insurance policies, providing certificates of insurance, preparing annual user charges for services, and preparing the annual budget. In the past fiscal year, a total of 646 agreements were reviewed. The goal of the section is to have Orange County Annual Report FY

11 reviews completed in 5 days. In FY 11-12, they responded to 95% of the agreements within the deadline and it took an average of two days to review each agreement. Risk Management continues to analyze current insurance market trends and works closely with our insurance broker to aggressively pursue competitive insurance coverage. At the close of FY 11-12, the County s major insurance policies are listed: Coverage Insurance Company Policy Period Limits Deductible/SIR Excess WC/ Safety National Ins Corp 4/1/12-4/1/13 Statutory/$2mil $2,000,000 Employers Liability Vehicle & Equipment Allianz Global Corp & Spec 4/1/12-4/1/13 $5,000,000 $250,000 Boiler & Machinery Liberty Mutual 4/1/12-4/1/13 $100,000,000 $50,000 Excess Liability BRIT Syndicate 2987 (Lloyds) 4/1/12-4/1/13 $10,000,000/occ $1,000,000 $5,000,000 sublimit EPL Claims Made Environmental Liability ACE (Illinois Union Ins Co) 4/1/12-4/1/15 -Site Pollution: $4,000,000 $250,000 -Tank Liability $1,000,000 $25,000 Commercial Crime Great American 4/1/12-4/1/13 $1,000,000 $50,000 Cyber Liability Chartis Specialty Ins. Co. 9/1/12-4/1/13 -Network Security $5,000,000 $500,000 -Event Mgmt $3,500,000 $500,000 -Regulatory Action $1,000,000 $500,000 Property 2012 Renewal (including TRIA) 4/1/12-4/1/13 Primary Layer $25,000,000 1st Excess Layer $25,000,000 xs $25,000,000 2nd Excess Layer $50,000,000 xs $50,000,000 Stretch Layer 30% of $75,000,000 xs $25,000,000 3rd Excess Layer $150,000,000 xs $100,000,000 Westchester Surplus Lines $15,000,000 $500,000-AOP AXIS Surplus Lines $6,000,000 2% Wind/Hail Landmark American Ins. Co $4, $10 mil max Westchester Surplus Lines $5,000,000 Ironshore Specialty Ins. Co. $5,000,000 $25,000,000 Arch Specialty Insurance $5,000,000 Alterra Excess & Surplus Ins Co. $2,500,000 Landmark American Ins. Co. $10,000,000 Continental Casualty Co. $10,000,000 Colony $8,000,000 $50,000,000 Aspen Specialty Ins. Co. $6,000,000 Navigators $1,000,000 Westport Insurance Co. $15,000,000 Chubb Custom Insurance Co $5,000,017 $25,000,000 General Security Indemnity Co $2,499,983 4th Excess Layer $250,000,000 xs $250,000,000 Zurich-American Ins. Co. $150,000,000 $100,000,000 Travelers Excess & Surplus $160,000,000 $250,000,000 Continental Casualty $90,000,000 5th Excess Layer $500,000,000 xs $500,000,000 Lloyds of London $250,000,000 Travelers Excess & Surplus $140,000,000 $500,000,000 Landmark American Ins. Co $86,000,000 Great American Ins Co. $24,000,000 Orange County Annual Report FY

12 Safety and Loss Prevention Section This section provides technical assistance and training to County divisions and departments in the areas of safety, ergonomics, indoor air quality, industrial hygiene, environmental management, and loss prevention of facility structures and equipment. The objectives are to: Promote a safe working environment for all employees and the public. Promote a safe environment and create a proactive approach to safety. Offer safety training, education and orientation. Provide technical support and assistance in workers compensation, loss control issues and insurance language. Conduct safety inspections and accident/incident investigations. Develop programs for the prevention and control of property loss. Coordinate activities that promote safety, health and the protection of property. Coordinate activities for the efficient and proper cleanup and control of contaminated sites and remediation projects. In FY 11-12, the Safety Section changed the methodology of inspecting the County s 900 buildings/structures at 323 locations. Rather than performing a single annual inspection, the staff is required to visit each site at least on a quarterly basis. Any deficiencies are addressed immediately to the appropriate party. The theory behind this change is to address deficiencies in a more frequent, timely manner. As part of the services provided by Risk Management, program evaluations can be completed within a few weeks to better service the departments and employees. In FY 11-12, 43 ergonomic evaluations were completed. As part of the Safety Section s change in emphasis, their goal is to be in the field with the employees providing safety training on a daily basis. The safety training can consist of a formalized class, tailgate safety sessions or spontaneous instruction if an employee is witnessed performing a job function in an unsafe manner. It is Risk Management s goal to reduce the frequency and severity of our work related injuries. This change is designed to focus on this issue. Training There were 100 different types of training courses offered to employees, from back safety to workplace violence. In FY 11-12, instructors conducted a total of 481 training classes. Training also includes the online Driver Education Training (DET). This class is required every three years for employees who drive a County vehicle or their own vehicle on County business. This training consists of the following: 1. Eight training modules assigned that address the trends observed by historical data. Orange County Annual Report FY

13 2. The first module is due within a week of the employee being signed up and subsequent modules are due every other day. (Employees can work ahead and finish faster if they would like.) 3. Passing grade is 80% or greater per module. (If the employee fails to pass, they can take the module over as many times as it takes to pass.) 4. The time to complete one module is approximately 15 to 20 minutes. (If interrupted, the employee can login and complete the module at a later time/date.) Module Results October 1, 2011 February 29, 2012 Lesson Module Number of Results Average Grade Distractions % Escape Routes % Intersection Solutions % Failure to Yield % Defensive Backing Strategies % Seatbelts and Airbags % Road Rage % Driving in Adverse Weather Conditions % Module Results March 1, 2012 September 30, 2012 Lesson Module Number of Results Average Grade Intersection Problems % Intersection Solutions % Distractions % Speeding % Lane Changes % Road Rage % Defensive Backing Strategies % Safe Driving at Night % Orange County Annual Report FY

14 Orange County Motor Vehicle Record Checks 4-Year Cumulative History Statistics Employee s Driving History for: October 1, 2008 September 30, 2012 Drivers: Primary Drivers Groups: All Groups Number of Violations Details Number Percentage Total Number of Clean MVRs: % Total Number of MVRs With 1 Violations: % Total Number of MVRs With 2 Violations: % Total Number of MVRs With 3 Violations: % Total Number of MVRs With 4 Violations: % Total Number of MVRs With 5 Violations or More: % Total MVRs: 9597 Type of Violations Details Number Total Number of Drivers With Expired Licenses: 34 Total Number of Drivers With Suspended Licenses: 79 Total Number of MVRs With Administrative Violations: 214 Total Number of MVRs With Aggressive Driving Violations: 247 Total Number of MVRs With Equipment Violations: 234 Total Number of MVRs With Right-of-Way Violations: 21 Total Number of MVRs With Speeding Violations: 285 Total Number of MVRs With Substance Violations: 32 Orange County Annual Report FY

15 DRIVECAM In May 2007, Orange County Risk Management began a 90-day pilot program to assess the effectiveness of the DriveCam system in reducing risky driving behavior. During this time, a 90% reduction in the frequency of violations and a 92% reduction in the severity of violations were documented. On November 13, 2007, the Orange County Board of County Commissioners approved an installation plan that called for the installation of 250 DriveCam units in FY 07-08, another 250 units in FY and a final group of 250 units in FY Installation of the units began in February 2008 and was completed in December On March 15, 2011, the Orange County Board of County Commissioners approved an additional purchase and installation of 250 DriveCam units. These were installed from May 2011 thru October 2011 and the current number of vehicles with DriveCam units is 1030 or approximately 50% of the fleet. During FY 11-12, there was an increase in the cost of claims. This increase is attributable to a single accident where the employee deliberately violated a traffic signal and subsequently resigned his employment. Historical Automobile Liability Frequency FY03-04 FY04-05 FY05-06 FY06-07 FY07-08 FY08-09 FY09-10 FY10-11 FY Historical Automobile Liability Costs $900,000 $800,000 $700,000 $600,000 $500,000 $400,000 $300,000 $200,000 $100,000 $0 FY03-04 FY04-05 FY05-06 FY06-07 FY07-08 FY08-09 FY09-10 FY10-11 FY Orange County Annual Report FY

16 Environmental Loss Prevention Section This section provides technical assistance for all environmental issues within the County. These include project management for pollution remediation, indoor air quality assessment and project management, administration of the petroleum storage tank program, asbestos and lead abatement, and the disposal of hazardous chemicals abandoned on County property. In addition to managing approximately ten (10) site assessment and remediation projects, the section completed the following activities. Type Number Completed Indoor Air Quality Surveys (IAQs) - In House 36 Indoor Air Quality Surveys (IAQs) - Subcontracted 1 Asbestos Containing Material Surveys (ACMs) Code Enforcement 57 Asbestos Containing Material Surveys (ACMs) Other Departments 20 Site Rehabilitation Completion Orders (SRCOs) 5 Site Assessment Reports (SARs) 1 Post Active Remediation Monitoring (PARM) - Including Modifications 1 Phase I / Phase II Environmental Site Assessments (ESAs) - Reviewed 22 Phase I / Phase II Environmental Site Assessments (ESAs) - In House 1 Phase I / Phase II Environmental Site Assessments (ESAs) - Subcontracted 23 Hazardous Waste Disposals 1 Tank System Closures 3 Mold/ACM/HAZMAT Remediation Work 8 Source Removals/Emergency Response 7 Well Abandonments 1 Tank System Installations 3 Breach of Integrity Tank Testing 1 Remedial Action Plans (RAP/RAPMod Implementation/O&M) 2 National Pollutant Discharge Elimination System (NPDES) 7 Environmental assessments are conducted using the ASTM E /1528 Phase I Environmental Site Assessment (ESA). The ASTM E-1527 and 1528 are published by the American Society for Testing and Materials (ASTM), an industry standard, and are designed to provide the necessary inquires to determine potential environmental liabilities as well as to comply with the AAI Rule (All Appropriate Inquires). It is the most comprehensive standard for land acquisition and real estate transactions. A Phase II Assessment is generally performed because of a concern brought about by the Phase I Environmental Assessment. Orange County Annual Report FY

17 Risk Management Division 10/1/2012 John Petrelli Risk Manager (407) Markay Murphy Administrative Assistant (407) Susan Martin Fiscal Advisor (407) Tisha Pence Environmental Loss Prevention Coordinator (407) Richard Bergstein Safety & Loss Prevention Administrator (407) Cindy Garcia-Eastlick Risk Management Administrator (407) Channon Anderson Senior Risk Management Analyst (407) Sherri Randle Environmental Loss Prevention Analyst (407) John McElwee Senior Safety & Loss Prevention Analyst (407) Eneida Freeburn Senior Risk Management Analyst (407) Gina Segui Risk Management Analyst (407) Mark Clemens Senior Safety & Loss Prevention Analyst (407) Joann Giardiello Senior Risk Management Analyst (407) Raymond Ng Safety & Loss Prevention Analyst (407) Lurline DeCambre Nurse Case Manager (407) Jim Gillen Safety Administrator (407) Michelle Fort Claims Specialist (407) Ami Gore Safety Administrator (407) Orange County Annual Report FY

18 Severity & Frequency by Department for All Losses Department Total Cases All Losses Total Incurred Cost All Losses Overall Severity Ranking Total Incurred Cost % of Change from FY10-11 Overall Frequency Ranking Fire Rescue 248 $1,939, % Increase 4 Corrections 326 $1,139, % Decrease 2 Public Works 263 $872, % Increase 3 Utilities 437 $792, % Decrease 1 Convention Center 118 $640, % Increase 6 Community & Env. 154 $544, % Increase 5 Administrative Services 102 $354, % Decrease 8 Family Services 109 $343, % Increase 7 Clerk of Courts 33 $114, % Increase 9 Health Services 26 $72, % Decrease 10 Growth Management 13 $51, % Increase 12 State Attorney s Office 1 $40, % Increase 18 - tie Info Systems & Services 10 $13, % Increase 13 Tax Collector 18 $11, % Decrease 11 County Admin 4 $10, % Increase 16 - tie Supervisor of Elections 6 $6, % Increase 14 Office of Accountability 2 $5, % Increase 17 - tie Comptroller 5 $2, % Decrease 15 OPECA 4 $2, New Department 16 - tie Property Appraiser 2 $2, % Increase 17 - tie Court Admin 0 $ tie 100% Decrease 19 - tie OBT Dev Board 0 $ tie 100% Decrease 19 - tie BCC 1 $ tie 100% Decrease 18 - tie Orange County Annual Report FY

19 Severity & Frequency by Department for WC Claims Total Cases Total Incurred WC Total Incurred WC Department Workers Comp Cost Workers Comp Severity Ranking Cost % of Change from FY10-11 Frequency Ranking Fire Rescue 185 $1,659, % Increase 2 Corrections 301 $1,054, % Decrease 1 Family Services 86 $343, % Increase 5 Utilities 161 $333, % Decrease 3 Admin Services 36 $286, % Increase 8 Convention Center 41 $226, % Increase 7 Community & Env. 93 $198, % Increase 4 Public Works 66 $154, % Decrease 6 Health Services 23 $66, % Decrease 10 Clerk of Courts 27 $48, % Increase 9 Growth Management 5 $47, % Increase 12 - tie Tax Collector 7 $11, % Decrease 11 - tie County Admin 4 $10, % Increase 13 - tie Supervisor of Elections 4 $5, % Increase 13 - tie Office of Accountability 1 $4, % Increase 16 Comptroller 5 $2, % Decrease 12 - tie OPECA 3 $2, New Department 14 Property Appraiser 2 $2, % Increase 15 Info Systems & Services 7 $ % Increase 11 - tie OBT Dev Board 0 $ tie 100% Decrease 17 - tie Court Admin 0 $ tie 100% Decrease 17 - tie State Attorney s Office 0 $ tie No Change 17 - tie BCC 0 $ tie 100% Decrease 17 - tie Orange County Annual Report FY

20 Severity & Frequency by Department for GL Claims Total Cases Total Incurred GL Total Incurred GL Department General Liability Cost General Liability Severity Ranking Cost % of Change from FY10-11 Frequency Ranking Utilities 209 $409,709 1 No Change 1 Public Works 132 $385, % Increase 2 Convention Center 51 $180, % Increase 3 Community & Env. 40 $155, % Increase 4 Corrections 14 $78, % Decrease 7 Clerk of Courts 4 $66, % Increase 9 State Attorney s Office 1 $40, % Increase 11 - tie Fire Rescue 10 $17, % Decrease 8 - tie Administrative Services 37 $13, % Increase 5 Office of Accountability 1 $1, % Increase 11 - tie Family Services 20 $ % Decrease 6 Growth Management 2 $ % Increase 10 Health Services 1 $ tie No Change 11 - tie Comptroller 0 $ tie No Change 12 - tie Court Admin 0 $ tie No Change 12 - tie Tax Collector 10 $ tie 100% Decrease 8 - tie Info Systems & Services 0 $ tie No Change 12 - tie County Admin 0 $ tie No Change 12 - tie Supervisor of Elections 0 $ tie No Change 12 - tie Property Appraiser 0 $ tie No Change 12 - tie BCC 1 $ tie 100% Decrease 11 - tie OBT Dev Board 0 $ tie No Change 12 - tie OPECA 0 $ tie New Department 12 - tie Orange County Annual Report FY

21 Severity & Frequency by Department for AL Claims Total Cases Total Incurred AL Total Incurred AL Department Auto Liability Cost Auto Liability Severity Ranking Cost % of Change from FY10-11 Frequency Ranking Public Works 19 $280, % Increase 2 Community & Env. 10 $194, % Increase 3 Fire Rescue 21 $45, % Decrease 1 - tie Administrative Services 3 $37, % Increase 6 Utilities 21 $29, % Decrease 1 - tie Corrections 5 $8, % Decrease 4 Health Services 2 $5, % Increase 7 Growth Management 4 $4, % Decrease 5 Clerk of Courts 1 $ % Increase 8 - tie Family Services 0 $ tie 100% Decrease 9 - tie Office of Accountability 0 $ tie No Change 9 - tie Comptroller 0 $ tie No Change 9 - tie Court Admin 0 $ tie No Change 9 - tie Tax Collector 0 $ tie No Change 9 - tie County Admin 0 $ tie No Change 9 - tie Supervisor of Elections 1 $ tie No Change 8 - tie BCC 0 $ tie No Change 9 - tie Property Appraiser 0 $ tie No Change 9 - tie State Attorney s Office 0 $ tie No Change 9 - tie Info Systems & Services 0 $ tie No Change 9 - tie Convention Center 0 $ tie No Change 9 - tie OBT Dev Board 0 $ tie No Change 9 - tie OPECA 0 $ tie New Department 9 - tie Orange County Annual Report FY

22 Severity & Frequency by Department for 1 st Party Property Claims Department Total Cases Property Total Incurred Cost Property Property Severity Ranking Total Incurred Cost % of Change from FY10-11 Property Frequency Ranking Convention Center 26 $233, % Increase 3 - tie Fire Rescue 32 $215, % Decrease 2 Public Works 46 $52, % Increase 1 - tie Utilities 46 $20, % Increase 1 - tie Administrative Services 26 $16, % Decrease 3 - tie Info Systems & Services 3 $12, % Increase 6 - tie Supervisor of Elections 1 $ % Increase 8 - tie State Attorney s Office 0 $0 8 - tie No Change 9 - tie Community & Env. 11 $0 8 - tie 100% Decrease 4 Growth Management 2 $0 8 - tie 100% Decrease 7 Corrections 6 $0 8 - tie 100% Decrease 5 Family Services 3 $0 8 - tie 100% Decrease 6 - tie Health Services 0 $0 8 - tie 100% Decrease 9 - tie Comptroller 0 $0 8 - tie No Change 9 - tie Clerk of Courts 1 $0 8 - tie No Change 8 - tie Court Admin 0 $0 8 - tie No Change 9 - tie Tax Collector 1 $0 8 - tie No Change 8 - tie Office of Accountability 0 $0 8 - tie No Change 9 - tie County Admin 0 $0 8 - tie No Change 9 - tie BCC 0 $0 8 - tie No Change 9 - tie Property Appraiser 0 $0 8 - tie No Change 9 - tie OBT Dev Board 0 $0 8 - tie No Change 9 - tie OPECA 1 $0 8 - tie New Department 8 - tie Orange County Annual Report FY

23 Comparison of Claims & Costs by Department for FY 09-10, FY & FY Administrative Services Auto Liability Total Cases 11 Total Cases 0 Total Cases 3 Total Incurred Cost $9,876 Total Incurred Cost $0 Total Incurred Cost $37,545 General Liability Total Cases 28 Total Cases 30 Total Cases 37 Total Incurred Cost $31,142 Total Incurred Cost $4,115 Total Incurred Cost $13,016 1 st Party Property Total Cases 7 Total Cases 14 Total Cases 26 Total Incurred Cost $747 Total Incurred Cost $233,787 Total Incurred Cost $16,981 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 9 Total Cases 6 Total Cases 10 Total Incurred Cost $138,014 Total Incurred Cost $192,122 Total Incurred Cost $270,119 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 35 Total Cases 20 Total Cases 16 Total Incurred Cost $45,018 Total Incurred Cost $29,180 Total Incurred Cost $16,358 FY Incident Only FY Incident Only FY Incident Only Total Cases 11 Total Cases 10 Total Cases 10 Total Claims Total Cases 101 Total Cases 80 Total Cases 102 Total Incurred Cost $224,797 Total Incurred Cost $459,205 Total Incurred Cost $354,019 Orange County Annual Report FY

24 Comparison of Claims & Costs by Department for FY 09-10, FY & FY Clerk of Courts Auto Liability Total Cases 1 Total Cases 0 Total Cases 1 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $401 General Liability Total Cases 1 Total Cases 2 Total Cases 4 Total Incurred Cost $8 Total Incurred Cost $39,500 Total Incurred Cost $66,060 1 st Party Property Total Cases 0 Total Cases 0 Total Cases 1 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $0 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 5 Total Cases 4 Total Cases 6 Total Incurred Cost $43,481 Total Incurred Cost $28,849 Total Incurred Cost $34,147 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 14 Total Cases 12 Total Cases 14 Total Incurred Cost $16,768 Total Incurred Cost $16,742 Total Incurred Cost $14,321 FY Incident Only FY Incident Only FY Incident Only Total Cases 3 Total Cases 8 Total Cases 7 Total Claims Total Cases 24 Total Cases 26 Total Cases 33 Total Incurred Cost $60,257 Total Incurred Cost $85,091 Total Incurred Cost $114,929 Orange County Annual Report FY

25 Comparison of Claims & Costs by Department for FY 09-10, FY & FY Community & Environmental Services Auto Liability Total Cases 22 Total Cases 11 Total Cases 10 Total Incurred Cost $35,772 Total Incurred Cost $27,793 Total Incurred Cost $194,459 General Liability Total Cases 42 Total Cases 37 Total Cases 40 Total Incurred Cost $80,878 Total Incurred Cost $109,762 Total Incurred Cost $155,151 1 st Party Property Total Cases 7 Total Cases 34 Total Cases 11 Total Incurred Cost $29,859 Total Incurred Cost $97,975 Total Incurred Cost -$4,265 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 13 Total Cases 12 Total Cases 15 Total Incurred Cost $241,050 Total Incurred Cost $116,002 Total Incurred Cost $112,831 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 71 Total Cases 45 Total Cases 61 Total Incurred Cost $110,689 Total Incurred Cost $55,305 Total Incurred Cost $85,998 FY Incident Only FY Incident Only FY Incident Only Total Cases 17 Total Cases 12 Total Cases 17 Total Claims Total Cases 172 Total Cases 151 Total Cases 154 Total Incurred Cost $498,248 Total Incurred Cost $406,838 Total Incurred Cost $544,176 Orange County Annual Report FY

26 Comparison of Claims & Costs by Department for FY 09-10, FY & FY Comptroller Auto Liability Total Cases 0 Total Cases 0 Total Cases 0 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $0 General Liability Total Cases 0 Total Cases 0 Total Cases 0 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $0 1 st Party Property Total Cases 0 Total Cases 0 Total Cases 0 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $0 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 1 Total Cases 2 Total Cases 1 Total Incurred Cost $21,027 Total Incurred Cost $39,200 Total Incurred Cost $50 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 3 Total Cases 5 Total Cases 2 Total Incurred Cost $4,559 Total Incurred Cost $5,593 Total Incurred Cost $2,694 FY Incident Only FY Incident Only FY Incident Only Total Cases 2 Total Cases 5 Total Cases 2 Total Claims Total Cases 6 Total Cases 12 Total Cases 5 Total Incurred Cost $25,586 Total Incurred Cost $44,793 Total Incurred Cost $2,744 Orange County Annual Report FY

27 Comparison of Claims & Costs by Department for FY 09-10, FY & FY Convention Center Auto Liability Total Cases 1 Total Cases 0 Total Cases 0 Total Incurred Cost $6,000 Total Incurred Cost $0 Total Incurred Cost $0 General Liability Total Cases 30 Total Cases 26 Total Cases 51 Total Incurred Cost $191,297 Total Incurred Cost $63,067 Total Incurred Cost $180,572 1 st Party Property Total Cases 3 Total Cases 7 Total Cases 26 Total Incurred Cost $46,661 Total Incurred Cost $118,286 Total Incurred Cost $233,512 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 4 Total Cases 8 Total Cases 5 Total Incurred Cost $92,039 Total Incurred Cost $54,472 Total Incurred Cost $183,444 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 24 Total Cases 19 Total Cases 25 Total Incurred Cost $40,216 Total Incurred Cost $28,962 Total Incurred Cost $43,024 FY Incident Only FY Incident Only FY Incident Only Total Cases 11 Total Cases 7 Total Cases 11 Total Claims Total Cases 73 Total Cases 67 Total Cases 118 Total Incurred Cost $376,214 Total Incurred Cost $264,786 Total Incurred Cost $640,552 Orange County Annual Report FY

28 Comparison of Claims & Costs by Department for FY 09-10, FY & FY Corrections Auto Liability Total Cases 3 Total Cases 7 Total Cases 5 Total Incurred Cost $3,768 Total Incurred Cost $22,955 Total Incurred Cost $8,040 General Liability Total Cases 15 Total Cases 20 Total Cases 14 Total Incurred Cost $77,401 Total Incurred Cost $447,654 Total Incurred Cost $78,920 1 st Party Property Total Cases 0 Total Cases 5 Total Cases 6 Total Incurred Cost $0 Total Incurred Cost $2,020 Total Incurred Cost -$1,655 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 76 Total Cases 92 Total Cases 80 Total Incurred Cost $1,235,808 Total Incurred Cost $1,126,610 Total Incurred Cost $828,546 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 137 Total Cases 134 Total Cases 153 Total Incurred Cost $168,000 Total Incurred Cost $181,922 Total Incurred Cost $225,506 FY Incident Only FY Incident Only FY Incident Only Total Cases 99 Total Cases 65 Total Cases 68 Total Claims Total Cases 330 Total Cases 323 Total Cases 326 Total Incurred Cost $1,484,977 Total Incurred Cost $1,781,162 Total Incurred Cost $1,139,356 Orange County Annual Report FY

29 Comparison of Claims & Costs by Department for FY 09-10, FY & FY County Administration Auto Liability Total Cases 0 Total Cases 0 Total Cases 0 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $0 General Liability Total Cases 0 Total Cases 0 Total Cases 0 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $0 1 st Party Property Total Cases 0 Total Cases 0 Total Cases 0 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $0 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 0 Total Cases 0 Total Cases 2 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $9,118 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 1 Total Cases 2 Total Cases 2 Total Incurred Cost $2,000 Total Incurred Cost $2,000 Total Incurred Cost $1,093 FY Incident Only FY Incident Only FY Incident Only Total Cases 0 Total Cases 0 Total Cases 0 Total Claims Total Cases 1 Total Cases 2 Total Cases 4 Total Incurred Cost $2,000 Total Incurred Cost $2,000 Total Incurred Cost $10,211 Orange County Annual Report FY

30 Comparison of Claims & Costs by Department for FY 09-10, FY & FY Family Services Auto Liability Total Cases 4 Total Cases 4 Total Cases 0 Total Incurred Cost -$3,770 Total Incurred Cost $6,030 Total Incurred Cost $0 General Liability Total Cases 14 Total Cases 17 Total Cases 20 Total Incurred Cost $4,008 Total Incurred Cost $6,883 Total Incurred Cost $218 1 st Party Property Total Cases 1 Total Cases 8 Total Cases 3 Total Incurred Cost $10 Total Incurred Cost $1,120 Total Incurred Cost -$250 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 10 Total Cases 14 Total Cases 20 Total Incurred Cost $93,588 Total Incurred Cost $152,154 Total Incurred Cost $300,304 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 32 Total Cases 33 Total Cases 49 Total Incurred Cost $31,587 Total Incurred Cost $45,616 Total Incurred Cost $42,980 FY Incident Only FY Incident Only FY Incident Only Total Cases 7 Total Cases 13 Total Cases 17 Total Claims Total Cases 68 Total Cases 89 Total Cases 109 Total Incurred Cost $125,423 Total Incurred Cost $211,802 Total Incurred Cost $343,252 Orange County Annual Report FY

31 Comparison of Claims & Costs by Department for FY 09-10, FY & FY Fire Rescue Auto Liability Total Cases 40 Total Cases 25 Total Cases 21 Total Incurred Cost $47,518 Total Incurred Cost $67,938 Total Incurred Cost $45,610 General Liability Total Cases 23 Total Cases 19 Total Cases 10 Total Incurred Cost $30,251 Total Incurred Cost $53,619 Total Incurred Cost $17,972 1 st Party Property Total Cases 0 Total Cases 20 Total Cases 32 Total Incurred Cost $0 Total Incurred Cost $418,263 Total Incurred Cost $215,985 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 59 Total Cases 79 Total Cases 98 Total Incurred Cost $1,308,099 Total Incurred Cost $1,132,813 Total Incurred Cost $1,575,542 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 60 Total Cases 73 Total Cases 79 Total Incurred Cost $88,321 Total Incurred Cost $89,206 Total Incurred Cost $84,255 FY Incident Only FY Incident Only FY Incident Only Total Cases 3 Total Cases 5 Total Cases 8 Total Claims Total Cases 185 Total Cases 221 Total Cases 248 Total Incurred Cost $1,474,190 Total Incurred Cost $1,761,839 Total Incurred Cost $1,939,365 Orange County Annual Report FY

32 Comparison of Claims & Costs by Department for FY 09-10, FY & FY Growth Management Auto Liability Total Cases 6 Total Cases 8 Total Cases 4 Total Incurred Cost -$1,971 Total Incurred Cost $14,577 Total Incurred Cost $4,653 General Liability Total Cases 0 Total Cases 1 Total Cases 2 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $50 1 st Party Property Total Cases 1 Total Cases 7 Total Cases 2 Total Incurred Cost $0 Total Incurred Cost $2,374 Total Incurred Cost -$1,295 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 0 Total Cases 0 Total Cases 3 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $43,903 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 10 Total Cases 6 Total Cases 2 Total Incurred Cost $11,115 Total Incurred Cost $7,840 Total Incurred Cost $3,799 FY Incident Only FY Incident Only FY Incident Only Total Cases 3 Total Cases 0 Total Cases 0 Total Claims Total Cases 20 Total Cases 22 Total Cases 13 Total Incurred Cost $9,144 Total Incurred Cost $24,791 Total Incurred Cost $51,110 Orange County Annual Report FY

33 Comparison of Claims & Costs by Department for FY 09-10, FY & FY Health Services Auto Liability Total Cases 3 Total Cases 0 Total Cases 2 Total Incurred Cost -$1,392 Total Incurred Cost $0 Total Incurred Cost $5,970 General Liability Total Cases 3 Total Cases 1 Total Cases 1 Total Incurred Cost $26,000 Total Incurred Cost $0 Total Incurred Cost $0 1 st Party Property Total Cases 0 Total Cases 2 Total Cases 0 Total Incurred Cost $0 Total Incurred Cost $500 Total Incurred Cost $0 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 2 Total Cases 10 Total Cases 5 Total Incurred Cost $7,145 Total Incurred Cost $95,314 Total Incurred Cost $45,235 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 16 Total Cases 19 Total Cases 13 Total Incurred Cost $15,743 Total Incurred Cost $27,010 Total Incurred Cost $21,026 FY Incident Only FY Incident Only FY Incident Only Total Cases 7 Total Cases 7 Total Cases 5 Total Claims Total Cases 31 Total Cases 39 Total Cases 26 Total Incurred Cost $47,496 Total Incurred Cost $122,824 Total Incurred Cost $72,231 Orange County Annual Report FY

34 Comparison of Claims & Costs by Department for FY 09-10, FY & FY Information Systems & Services Auto Liability Total Cases 1 Total Cases 0 Total Cases 0 Total Incurred Cost -$612 Total Incurred Cost $0 Total Incurred Cost $0 General Liability Total Cases 0 Total Cases 0 Total Cases 0 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $0 1 st Party Property Total Cases 0 Total Cases 0 Total Cases 3 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $12,345 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 0 Total Cases 0 Total Cases 0 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $0 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 3 Total Cases 1 Total Cases 2 Total Incurred Cost $2,719 Total Incurred Cost $550 Total Incurred Cost $923 FY Incident Only FY Incident Only FY Incident Only Total Cases 0 Total Cases 0 Total Cases 5 Total Claims Total Cases 4 Total Cases 1 Total Cases 10 Total Incurred Cost $2,107 Total Incurred Cost $550 Total Incurred Cost $13,268 Orange County Annual Report FY

35 Comparison of Claims & Costs by Department for FY 09-10, FY & FY Office of Accountability Auto Liability Total Cases 2 Total Cases 0 Total Cases 0 Total Incurred Cost $2,000 Total Incurred Cost $0 Total Incurred Cost $0 General Liability Total Cases 0 Total Cases 0 Total Cases 1 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $1,200 1 st Party Property Total Cases 0 Total Cases 2 Total Cases 0 Total Incurred Cost $0 Total Incurred Cost -$995 Total Incurred Cost $0 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 1 Total Cases 0 Total Cases 0 Total Incurred Cost $3,613 Total Incurred Cost $0 Total Incurred Cost $0 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 1 Total Cases 0 Total Cases 1 Total Incurred Cost $511 Total Incurred Cost $0 Total Incurred Cost $4,707 FY Incident Only FY Incident Only FY Incident Only Total Cases 1 Total Cases 1 Total Cases 0 Total Claims Total Cases 5 Total Cases 3 Total Cases 2 Total Incurred Cost $6,124 Total Incurred Cost -$995 Total Incurred Cost $5,907 Orange County Annual Report FY

36 Comparison of Claims & Costs by Department for FY 09-10, FY & FY Property Appraiser Auto Liability Total Cases 0 Total Cases 0 Total Cases 0 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $0 General Liability Total Cases 0 Total Cases 0 Total Cases 0 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $0 1 st Party Property Total Cases 1 Total Cases 0 Total Cases 0 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $0 Workers Compensation FY Lost Time FY Lost Time FY Lost Time Total Cases 0 Total Cases 0 Total Cases 1 Total Incurred Cost $0 Total Incurred Cost $0 Total Incurred Cost $1,682 FY No Lost Time FY No Lost Time FY No Lost Time Total Cases 1 Total Cases 1 Total Cases 1 Total Incurred Cost $330 Total Incurred Cost $2,000 Total Incurred Cost $381 FY Incident Only FY Incident Only FY Incident Only Total Cases 3 Total Cases 0 Total Cases 0 Total Claims Total Cases 5 Total Cases 1 Total Cases 2 Total Incurred Cost $330 Total Incurred Cost $2,000 Total Incurred Cost $2,063 Orange County Annual Report FY