GoalsEvaluate Effectiveness of Risk Control Efforts
Focus on individual programs (auto, WC)Compare overall trends to Other Municipal Pools
Enhance Future Risk Control Efforts: Cost DriversCause of LossDepartment
Coverages: WC, Property/Liability, Professional Liability
Professional Liability
Existing Safety ProgramMIIA Rewards
Various training for loss prevention in all lines of businessStarted September 2002
Professional Liability Loss Control ToolkitStarted January 2003
Public Officials LiabilityLoss Cost Trend
6.0% Annual Trend
* Loss Cost equals projected expected Ultimate Loss &ALAE / Population
Law Enforcement LiabilityLoss Cost Trend
6.0% Annual Trend
* Loss Cost equals projected expected Ultimate Loss &ALAE / # Officers
School Boards LiabilityLoss Cost Trend
6.0% Annual Trend
* Loss Cost equals projected expected Ultimate Loss &ALAE / # Students
Professional LiabilityCosts by Department
* Based on Claims Data 2001-2008, Incurred Losses Limited to $100,000/Occ.
Professional LiabilityCosts by Cause of Loss
* Based on Claims Data 2001-2008, Incurred Losses Limited to $100,000/Occ.
Auto
Existing Safety ProgramMIIA Rewards
Various training for loss prevention in all lines of businessStarted September 2002
EVDT – Firefighter trainingStarted in 2000A “train-the-trainer” program
EVOC – Police TrainingStarted Spring of 2006
Driving Simulator Has Police, Firefighters and DPW training modulesStarted in January of 2005
Auto LiabilityLoss Cost Trend
5.0% Annual Trend
* Loss Cost equals projected expected Ultimate Loss &ALAE / # Vehicles
Auto Physical DamageLoss Cost Trend
2.0% Annual Trend
* Loss Cost equals projected expected Ultimate Loss &ALAE / Insured Value
Auto LiabilityCosts by Department
* Based on Claims Data 2001-2008, Incurred Losses Limited to $100,000/Occ.
General Liability
Existing Safety ProgramMIIA Rewards
Various training for loss prevention in all lines of businessStarted September 2002
Sewer Back-up prevention toolkitStarted January 2006
Sanitary Sewer Overflow protection initiative Started Fall of 2008
Loss Control Grant program Sponsors various loss control initiativesStarted in 2002
General LiabilityLoss Cost Trend
5.0% Annual Trend
General LiabilityClaims Distribution by Department
General LiabilityCosts by Department
* Based on Claims Data 2001-2008, Incurred Losses Limited to $100,000/Occ.
General LiabilityCosts by Cause of Loss
* Based on Claims Data 2001-2008, Incurred Losses Limited to $100,000/Occ.
General Liability - DPWCosts by Cause of Loss
* Based on Claims Data 2001-2008, Incurred Losses Limited to $100,000/Occ.
Property
Existing Safety ProgramMIIA Rewards
Various training for loss prevention in all lines of businessStarted September 2002
Property protection toolkitRoof inspection, freeze prevention, self-inspectionsStarted January 2005
Loss Control Grant program Sponsors various loss control initiativesStarted in 2002
PropertyLoss Cost Trend
2.0% Annual Trend
* Loss Cost equals projected expected Ultimate Loss &ALAE / Insured Value
PropertyCosts by Department
* Based on Claims Data 2001-2008, Incurred Losses Limited to $100,000/Occ.
Property: SchoolsIncurred Loss Distribution by Department
* Incurred Losses Limited to $100,000/Occ.
PropertyCosts by Cause of Loss
* Based on Claims Data 2001-2008, Incurred Losses Limited to $100,000/Occ.
Property - SchoolsCosts by Cause of Loss
* Based on Claims Data 2001-2008, Incurred Losses Limited to $100,000/Occ.
Workers’ Compensation
Existing Safety ProgramMIIA Rewards
Various training for loss prevention in all lines of businessStarted September 2002
“Struck by” prevention program with QBSSummer 2008
On-site back safety training with Bill HooverStarted in 1998
OccHealth ConnectStarted in 2007
* Loss Cost equals projected expected Ultimate Loss &ALAE / Payroll (00s)
Workers’ CompensationComparison of MIIA and Other Municipal Pools Trends
Workers’ CompensationCosts by Department
* Based on Claims Data 2002-2009
Workers’ CompensationCosts by Cause of Loss
* Based on Claims Data 2002-2009
Workers’ Compensation – Schools onlyCosts by Cause of Loss
* Based on Claims Data 2002-2009
Coverage Trend Cost Driver:Department
Cost Driver:Cause
Professional Liability
Favorable Management Public OfficialsDiscrimination
Auto Favorable DPW Accidents
General Liability
Unfavorable DPW Sewer and Water – high severity and frequencyPotholes – high frequency
Property Favorable - Neutral
SchoolsDPW
Water – high severityTheft and Vandalism – high frequency
Workers’ Compensation
Neutral SchoolsDPW
Fall and lift – high severity“Struck by - high frequency
Evaluation of Specific Loss Control Programs
MIIA Rewards ProgramAll Lines of business
* Loss Cost equals projected expected Ultimate Loss &ALAE / Payroll (00s)
Evaluation of MIIA Rewards ProgramAll Programs (Except GL) Combined
Evaluation of MIIA Rewards ProgramAll Programs ex. GL combined
* Excludes GL program and 2008 AY (new projection)
Workers’ CompensationOccHealth Connect Program Evaluation
Workers’ Compensation – OccHealth Participation by Fiscal Year
* Based on Exposure information provided by MIIA
Workers’ Compensation – OccHealth Connect Participation Loss Cost Comparison
* * Based on Claims and Exposure data for FY 2006-07 through 2008-09
Workers’ Compensation – OccHealth Connect Participation Frequency Comparison
* Based on Claims and Exposure data for FY 2006-07 through 2008-09
Workers’ Compensation – OccHealth Connect Participation Severity Comparison
* Based on Claims and Exposure data for FY 2006-07 through 2008-09
Workers’ Compensation – 2008-09 Accident YearOccHealth Connect Loss Cost Comparison
* Based on Claims and Exposure data for FY 2006-07 through 2008-09
Performance of EVOC, EVDT and Simulator training programs
Summary of prior findings (EVOC, EVDT, Simulator training)• Draft study was released in May• We found evidence of effectiveness of EVOC and Simulator
programs, but unable to find it for EVDT.• It could be partially due:
• Lack of credible data • Shorter length of training for EVDT participants• This is a train-the-trainer program, the effectiveness of program is
highly dependent on the secondary training done within the community by the trained individual. Timing of secondary training is difficult to pinpoint.
• Graphs below summarize our findings• Complete copy of the study is provided for reference
purposes
Effectiveness of Safety ProgramsComparison of Average Cost per Vehicle
* Based only on years where participation is known.