May 2010
- FYI: Lexipol
- Counselors' Comments: Expelling an Individual from Municipally Owned Recreational Property
- Loss Control Lowdown - The Ohio Booster Seat Law
- Brokers' Beat: Exclusions in Liability Coverage Document
- Coming Events
- Workplace Violence
- Got a Successful Risk Management Program?
- A Community Partnership
- 2009 Annual Report
- From the Board Room...
- The Claims File - Training is a Must!
FYI:-Mike Hammond MVRMA is pleased to announce it has become a sponsoring risk management association for Lexipol, the country's leading provider of risk management resources for law enforcement. Lexipol currently serves more than 950 law enforcement agencies in nine states, including more than 93% of the agencies in California. Lexipol will be available in Ohio later this year. Lexipol's legal staff and law enforcement professionals work in collaboration with law enforcement representatives within the state to develop more than 140 essential policies to meet all key operational needs. Using Lexipol's interactive online software, each subscribing agency is able to develop a policy manual unique to its own mission, philosophy and resources. Having good policies is critical - during the last 12 years, Lexipol's subscribing agencies have never lost a court case based on faulty policy! Once an agency's policy manual is adopted, it may then subscribe to Lexipol's Daily Training Bulletin service. This service, which is integrated with the policy manual, delivers scenario based training focused on topics of high risk, low frequency and policy changes. Having a good policy manual is important to a police department, but its value is lost if officers don't have a working knowledge of its applications. Keeping track of changing laws, court decisions and best practices in law enforcement is a difficult and time consuming task far beyond the resources available to most police departments. Lexipol provides this resource by sending urgent updates when needed and regular updates twice annually. Police departments participating in CALEA may find this service both beneficial and cost effective. In many instances, accreditation has seemed an all-consuming task. But, with Lexipol, an agency's policy manual can be formatted to be compliant with CALEA accreditation standards. By becoming a sponsoring risk management association for Lexipol, MVRMA members are able to obtain discounted pricing. Member participation is optional and each member is responsible for its own cost. However, participating members have the option of using their MVRMA General Reserve Funds to pay all or a portion of the annual cost. We believe Lexipol offers several advantages to police departments, including the potential for reducing police liability exposure and claims cost, as well as cost avoidance by limiting the need for in-house staff to develop and update polices. In addition, the use of the Daily Training Bulletins is an important feature of loss mitigation. Currently, the MVRMA members of Bellbrook, Montgomery, Piqua, Wilmington and Wyoming have indicated they are planning to utilize the services of Lexipol. Additionally, the Police Chiefs at Piqua and Wyoming are serving on the advisory team to develop state specific content, referencing state statutes and determining best practices for leading police departments in Ohio. "Knowledge renewal is required to stay abreast of the changing world of public safety. Monitoring change, interpreting the significance and translating those components into a practical application tool set is one of the greatest values Lexipol provides to clients," states Dan Merkle, CEO of Lexipol. MVRMA is pleased to be able to sponsor Lexipol as a risk management resource for our member police departments. If you would like more information about Lexipol or the discounted pricing, contact our office.
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Community Partnership
- Jennifer Heft, Mason Assistant City Manager Mason Assistant City Manager In 1999, the City of Mason began exploring partnership opportunities with Mason City Schools for the construction of a Community Center. In March 2003, that partnership, which includes the City's ownership of the land, the Schools' ownership of the facility (financed through a bond levy), and the City's operation of the facility, ignited Mason's efforts toward building a healthier community and organization. The culmination of years of collaboration between Mason City Schools and the City of Mason is a Community Center that is one of the largest in the State of Ohio. It offers recreational services to residents of the city and the school district. In 2007, the City began exploring the concept of adding a wellness component at the Community Center. In October of that year, the City selected a proposal from TriHealth that would advance both the financial position of the Community Center and the programming and fitness benefits available to Mason residents and the City's corporate business partners. Mason's partnership with Group Health Associates, TriHealth and Bethesda Rehab is without peer in the region for a public-private sector partnership where a community center is integrated with a medical component to bring a comprehensive approach to wellness for the Mason residential and corporate community. This partnership also includes additional opportunities to spur local job creation, enhance membership-revenue growth, share operating expenses and set the groundwork for additional community amenities and partnerships. Some of the direct physical changes to the Community Center that will result from this partnership include: approximately 27,000 square feet of medical office space, 4,000 square feet of rehabilitation and therapy space, a new fitness floor (nearly three times its current size), a warm water therapy pool, a new multi-purpose gymnastics room, new flexible open programming space, a "Main Street" entrance to enhance traffic flow and provide additional cross-marketing opportunities for local businesses and community groups, expansion space for the possibility of additional complementary tenants and an expanded Kids Korner area. There is likely no other private-public partnership of this kind in the country. Mason is at the forefront in its commitment to enhance health and wellness benefits for residents, corporate partners and employees. In the current economy, quality of life amenities are playing a growing role in a company's ability to attract the workforce it needs for success. Efforts to build a healthier residential and business community were confirmed with Mason's recent ability to attract a new business, Rhinestahl, to the city using the Community Center for an additional incentive. |
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2009 Annual Report Miami Valley Risk Management Association 2009 Annual Report Mission Statement: The mission of the Miami Valley Risk Management Association is to deliver high quality risk management services to its member municipalities in a manner which provides long-term financial stability, minimization of risks, and protection of mutual interests. Vision Statement: The vision of the Miami Valley Risk Management Association is to be the premier property and liability insurance pool for member municipalities in Ohio. The Executive Director’s YEAR IN REVIEW MEMBERSHIP - The Association continues to operate as a regional property and casualty insurance pool for qualified municipalities in Southwestern Ohio. MVRMA has maintained 20 members since 2004, and we are quite proud that no member has ever withdrawn in our 21 year history. MVRMA members are considered some of the better managed municipalities in the area with a strong commitment to the concepts of risk management and loss control. BOARD LEADERSHIP & ADMINISTRATION - MVRMA’s Board Officers and committee structure, led by President Tom Reilly, West Carrollton, provide leadership for achieving effective governance. Because of their knowledge and expertise in municipal administration, the Trustees contribute significantly to the success of our program. Every MVRMA member was represented on at least one committee and actively participated. An experienced and dedicated staff consists of four full-time employees including: Executive Director, Administrative Assistant, Claims Manager and Loss Control Manager. MVRMA has built a strong foundation from operational strength and efficiency. COVERAGE - MVRMA maintained a $1 million self-insured retention for its casualty program. Government Entities Mutual, Inc. (GEM), an association sponsored captive reinsurer, provided an additional $1 million in reinsurance coverage, with General Reinsurance Corp. providing another $8 million in reinsurance. MVRMA was pleased to begin its partnership with Gen Re, an A++ rated company considered to be a premier public entity reinsurer. Property coverage was again placed with Public Entities Property Insurance Program (PEPIP), a proprietary program of Alliant Insurance Services, Inc. PEPIP is the world’s largest public entity property program. Lexington Insurance Company is the lead insurer, providing coverage for the first $25 million. Various insurers make up the balance of the $1 billion per occurrence coverage limit. MVRMA’s self insured retention increased to $250,000 in July 2009. National Union Fire Insurance Company (AIG) continued to provide crime coverage with limits up to $1 million per occurrence. 2009 HIGHLIGHTS · Held a Strategic Planning Retreat · Acquired software to meet the Medicare Secondary Payer reporting requirements. · Renegotiated the MVRMA office’s lease and option to purchase agreements · Extended Executive Director’s contract until July 1, 2012 · Closed LY15 (2003) and returned $1,608,800 to the members · Repealed the Voluntary UM/UIM coverage beginning 2010 · Received the "Making Your Tax Dollars Count" award from the State Auditor’s office · Adopted a Code of Conduct Policy to conform with AGRIP Advisory Standards -Michael Hammond, Executive Director BALANCE SHEET 2009 (Unaudited) 2008 ASSETS: Cash and Cash Equivalents $7,302,749 $5,098,510Claims Deductibles 43,956 89,892 Other 128,125 136,042 Prepaid Items 156,453 129,250 Property and Equipment, Less Depreciation 10,400 11,136 Investments 10,630,265 11,651,201 Total Assets $18,271,948 $17,116,031 LIABILITIES AND NET ASSETS: Claims Reserves $4,399,570 $5,030,870Members’ Refunds 2,217,481 1,096,192 Members’ Credits 30,002 96,500 Accounts Payable and Accrued Liabilities 16,611 11,912 Total Liabilities $6,663,664 $6,235,474 TOTAL NET ASSETS: $11,608,284 $10,880,557 CLAIMS INFORMATION Property and Liability Insurance Claims Cost As of March 31, 2010 Year # of Claims Indemnity Defense Incurred Claims Cost Avg. Per Claim 2003 416 $ 553,661 $ 150,433 $ 704,094 $ 1,692 2004 354 $ 404,001 $ 338,998 $ 742,999 $ 2,098 2005 354 $ 618,384 $ 499,961 $ 1,118,345 $ 3,159 2006 315 $ 933,463 $ 388,820 $ 1,322,283 $ 4,197 2007 371 $ 694,939 $ 269,715 $ 964,654 $ 2,600 2008 408 $ 965,203 $ 126,014 $ 1,091,217 $ 2,674 2009 303 $ 411,634 $ 65,916 $ 477,550 $ 1,576 Annual Avg. 360 $ 654,469 $ 262,837 $ 917,306 $ 2,571 Incurred claims cost includes paid expenses (indemnity and defense) plus any amount reserved for future expenses related to the claim. If a claim is still open due to litigation, additional expenses may be paid in the future. For the purpose of this chart, claims represent the number of events that occurred during the coverage period and will be less than the claims count when compared to the chart below. Claims by Type of Claim As of March 31, 2010 Year Auto Liability Auto Physical Damage General Liability Property 2003 $ 168,869 (117) $ 170,423 (98) $ 269,762 (148) $ 95,040 (87) 2004 $ 49,417 (86) $ 97,431 (90) $ 463,961 (119) $ 132,190 (88) 2005 $ 235,834 (97) $ 114,621 (88) $ 513,042 (129) $ 254,849 (81) 2006 $ 145,431 (70) $ 192,105 (94) $ 679,641 (107) $ 305,105 (80) 2007 $ 281,519 (98) $ 168,954 (78) $ 277,243 (143) $ 236,937 (85) 2008 $ 109,446 (75) $ 144,146 (62) $ 206,853 (169) $ 630,772 (114) 2009 $ 38,622 (55) $ 141,877 (85) $ 112,081 (105) $ 184,970 (86) Total $ 1,029,138 (598) $ 1,029,557 (595) $ 2,522,583 (920) $ 1,839,863 (621) Ann. Avg. $ 147,020 (85) $ 147,080 (85) $ 360,369 (131) $ 262,838 (89) Per Claim $ 1,721 $ 1,730 $ 2,742 $ 2,963 Note: The numbers in parentheses reflect the number of claims for each type. Since some claims are charged to multiple types, the claim counts will be somewhat higher when compared to the chart above. Due to governmental immunity and insurance offset provisions, the cost of each claim is typically less than industry standards. LOSS CONTROL ACTIVITIES 2005 2006 2007 2008 2009 Liability and Safety Classes 36 29 37 25 41 Individual Participants 907 1012 1096 882 1300 Video Library Usage 208 143 167 159 175 Members Using Videos 17/20 17/20 17/20 17/20 12/20 Risk/Needs Assessments 19 19 18 20 19
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From the Board Room...![]() At the March 15, 2010 Quarterly Board Meeting, the following actions were taken: - Approved the Open Claims and Incurred Losses Report - Approved a two-year contract with TargetSafety for online training - Approved MVRMA's participation as a sponsoring organization for Lexipol - Approved MVRMA's AGRIP Advisory Standards Recognition Application - Approved the renewal of the brokerage agreement with Alliant Insurance Services |