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Home My WebLink About09. (Handout) Presentation by CSRMA - Pooled Liability Program Overview Item 9. (Handout) Meeting Presentation CSRMAORiskCalifornia Sanitation Pooled LiabilityProgram Overview ContraCentral • : • . • of Directors May 5, 2022 Presented bv: Alliant Insurance Services 1 But First, A Little Background: Two factors in recent premium increases: • 2020-Rapid spread of COVID-19 created greater uncertainty • 2021 -Disasters are more frequent and more expensive to insure: U.S.2021 Billion-Dollsr Weather and Climate Disasters SDA#y%With QAWft ONO •KVW■ QraMOGANA 6p501MVft W *W1*1 wftSWWcaa� ,wermx�el�.E crrElsn..wee�w ,..—pwllcena wn"— � ,uF6-+1 -u�mames s.,..we.w no sem.... nra~�� Q rnngoab� .wry N-M or.Kr 16 an ii Nrimae �Se�w�Wens 2021 $A*W0hWdM irw NDuYu+�ff �'^� IWC,N-15 • Se.ae HhYw 44 ihppil$bn�ine W+2,-1e 4 4 AVA 16-16 T.op'a,°Jo,MEW LwIW S•Ye'� SoAr�,v��e6wI1N ,I/y t-9 lIg112-IS 5ai�tl•�1 W 7-� W mn rtl CdeE Were IknraM NCam Pbooeq N.�w�ka Feyiy tD.19 Se1MAW11-16 YIN-16 Ap629-_pWmJ.1 2 1 Excess Liability Paid and Projected Insurance Premiums $900,000 CSRMA Quote for FY 21-22 was$50k $913,966 higher than regular renewal,but incl. $800,000 add'I$lo million in coverage. $700,000 Lower pool deductible eliminates the need for gap EPLcoverage,saving us $626,128 $600,000 an add'I$20k-net$30k dif. $500,DDD $426,992 $400,000 $300,000 $200,DD0 $100,000 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 CSRMA 2022-23 3 Excess Liability Premium-% Increase Year to Year 50.00% 46.64% 45.00% 40.00% 35.00% 30.00% 30.00% 25.00% 20.00% 15.00% 14.09% 10.00% 5.00% 0.0096 ■ 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 Prof 2022- 23 4 2 Table of • Wiant • CSRMA Overview • CSRMA Governance • Pooled Liability Program • Structure • Limits and Deductibles • Membership • Claims Handling • Residential Sewer Backup Response& Claims Handling P&P • CSRMA Services • Risk Control 5 CSRMA Overview 4410ant • Established in April 1986 as a: • "Joint Powers (Insurance)Authority"with ability to assume risk, and group purchase products • Mission: We provide excellent coverage and comprehensive risk management services in a reliable and cost-effective manner. • Today comprised of 59 Member Agencies • Operates like a Mutual Insurer, Policyholders are Owners • Management Structure • Public-Private Partnership • Wastewater Utility Managers as Directors • Professional Insurance Administrator as Staff 3 6 3 CSRMA Governance • Board of Directors • One per member agency plus alternate • Executive Board • Pooled Liability Committee 4 Pooled Liability Program Wlant • Risk Sharing "Pooled" Program • General Liability, Automobile Liability, Employment Practices Liability and Public Entity Errors and Omissions Liability • Pooled Layer$500,000 • Reinsurance/excess insurance to$25,500,000 in Limits • Deductibles • General Liability/Auto Liability$500,000 • Employment Practices Liability$25,000 • Public Entity Errors and Omissions$2,500 • Retrospective Rating Plan —over$8M returned to membership • Dividend Plan—over$18M returned to the membership • Initial 3-year commitment 5 8 4 Pooled Liability Program Membership AAffiant ➢ Carmel Area Wastewater District ➢ San Elijo Joint Powers Authority ➢ Carpinteria Sanitary District ➢ Ross Valley Sanitary District ➢ Central Marin Sanitation Agency ➢ Sanitary District No.5 ➢ Delta Diablo ➢ Santa Margarita Water District ➢ Dublin San Ramon Services District ➢ Sausalito-Marin City Sanitary District ➢ East Bay Dischargers Authority ➢ Selma-Kingsburg-Fowler Sanitary ➢ Encina Wastewater Authority District ➢ Fairfield Suisun Sewer District ➢ Sewer Authority Mid-Coastside ➢ Goleta Sanitary District ➢ Sewerage Agency of Southern Marin ➢ Ironhouse Sanitary District ➢ Silicon Valley Clean Water ➢ Lake Arrowhead Community Services ➢ South Orange County Wastewater District Authority ➢ Las Gallinas Valley Sanitary District ➢ Stege Sanitary District ➢ Leucadia Wastewater District ➢ Tahoe-Truckee Sanitation Agency ➢ Montara Water and Sewer District ➢ Triunfo Water and Sanitation District ➢ Montecito Sanitary District ➢ Union Sanitary District ➢ Monterey One Water ➢ Vallejo Flood and Wastewater District ➢ Mt.View Sanitary District ➢ Ventura Regional Sanitation District ➢ Nevada County Sanitary District ➢ Victor Valley Wastewater Reclamation ➢ North of River Sanitary District Authority ➢ Novato Sanitary District ➢ West Bay Sanitary District ➢ Ojai Valley Sanitary District ➢ West County Wastewater District ➢ Oro Loma Sanitary District ➢ West Valley Sanitation District s 9 Claims Handling • Claims Administrator TH[LIA MM PROGRAM • Carl Warren&Company 1. MT DUe 01, A Llabmn Propeam Op«a"nn • Policies& Procedures LiAla"p'°'am4"°°'°'r 2. CL MBA,DLL,GPRMEDFRE4 A \\lal l.a Twrt lalm^ CSR-NLA e. R.pornnRclakm. POLICY&PROCEDCRE c. e,u.renme¢re Me Regmormrm. N[ENIOR,V%DC\I u 4-L(RerisM) D. (la4m.�Ram.r Pubo[Enunn 1. Greet al Fealul e•al(brm.Pra[Meir• 1. Haim.4eblrcrm Reaeueanoe Pe¢rMuin SD6JK1: CLAI\IS\[A.YAGE\fENT J, pr ep«atlo¢.Rere¢tarloe a¢d(¢n JM1n a"¢e off lalm. 4. 71mr 1¢Cummmv Lae Effrfi : Daember 9,1992 L A Wn p Lues o[N1111urpua¢rr•tm claim•11t, Amended January 13.2001 a lar.1.R —,t Amrndod January 2S,2004 E. C brm Deadline.a a�vl.hrll I. Relearea AmmAM January 18,2017 �. r3- ippoard Iln¢r D.re n.e F"ee. 71u\Poke\-R P_,d_n dl.Tded mta fora—nous. L le."vrne..rm FnmF a c farm 7. Farm Len«. 1. �aqa.¢rle.ufikkee.innaarnaA 1. Halms Rep"nmg 2. ,ml[e¢rt¢.uukrree.Alviean.r8 2. Defense LCo l3eleellou J. Refrcnu.el warm 3. Clarms n eta Manapemmt 4. Rq«"rens rnumrlt nam 4. Senlemmt Autkonm 0<utalelAppbaa"uum R ewm Lamuam 0. De¢ralnr\e"mr"Appll[alla¢In Rr.r¢t l.atr Slam T- Rml el xnrre b.\1a1�1 b Prml of xn\re ba Mail=` 7 10 5 Residential Backup Response & AAffiant Claims Handling Policy i Procedure rsexrA PQUC\-.G lent t:Ll Mir SCf3lO1Li'utxLay-L $■EJC Ii IJDLNILLL SLnLK a.UMP F SPOS[A�O glarhrC EIIreare. a.Pnul-.:ep- P17 ME Tor.%.;,x RurNa J%1u.:l r.oiinWl b porde paw-d.ru\imm�.of ae RNrel r.i.ilrvllerrwn In b,.r —t.r...e..y a,.n norm 'urrders:.teop hpnrorn mear.poasfNlnrs miter resetmme!my mutnm d— _ rm,o nx cox ce m.•a±m� POLICY Seery t,,*pe..h.—and I>usmraaes re eer dCSPi W.paeu I—]lirtreey exponxn EBFcmr ask—,—(A-.r r rexc bid q num regime Pr}ou�a atiilrund=niwn Lernxen dr \rn:,nn.IMnnm-mie`.n}F[w6rrrd trr,a w ac Eu h�''C1wia Emr�yrs':Rn�rcaiirm Sm�rn Crneav[a cornu rmwubm,ma'm rW en¢an w..;vnwr fa5ue pmbns) CUM Claimr Ad—(UL R'mm&Compml) Sean Ia kt ,na titre awa,om me% ha,iz eoacied m frx4rwe pepl.,d a rmrdinabd mxpowae teewreo tG hL.Mr a ��ii4-nrf-rutin and d. MIA CL—aAd'Pima .. 'V'&ern'haavp'drc mle Io ply,-.a¢d dK faawe S mr yv[r ro.�a¢�rnyv¢sAMen rm spiurl.a1Sai the�rwLmw oLm,u:idem w ehrm le u Rm inteNion d CSA_inA,tbF..,h H,Mi,{sol otlrr]luoh.r�pe.mrote]tp ]uist?te.bes m haPL]e cLi-kffmft,,Iy and m comic rose. 8 11 Residential Backup Response & 1 Claims Handling Policy i Procedure CSRMA Sewer Backup Response&Claims Handling Policy&Procedure Agency is Nofified of a Sewer Backup Event Sarrrpla Aft"-1 A Agency Field Crew Respond&Make Initial Damrminaltfon of Responsibittty NOYES Does The backup Appear To Be As A Result Of A Failure In The Agency's Sewer Lines? Agency Field Crew Flerforrri the Following: 1.Inform OwnerlTenant the cause of the 1. Relieve the cause of the backup backup is not in the Member owned sewer 2.Advise the customer to keep all faodly memberslpets out of arty lines and that Vie Member is not contain rated areas responsible for pnvale sarvice 14>s_ 3.Notify Agency Field Point of Contact of the incident(ifnW already 2.Document all evidence(photos,dagrams, on the scene)&request permission to call out one the Agency's narr9eve,etc)that the backup is iaW due pre-approved restoration firms to a failure in the Agency's sewer lines 4. V permission was granted.contact one the Agency's pre- approved restoration firms&request a crew be dispatched 5. Nofify Customer that an Agency representative(if rrol aheady an the scene)&that a restoration crew will amve shortly o ;u, 15 7153 "u-,' ■.. 8.Take photos of affected&non-affected areas on the property 0 r r �_n C�61 - 7. Follow the Agency's 5SO Emergency Response Pian,as 0 rr necessary,unlll either the restoration crew a die Agency Fleld 0,CSRMACLi�I—en Point of Contact arrives 8. V the reslaadon firm arrives before the Agency Field Pdnl of Wiling -s Contact,authorize gaIY emergency cleaning services(i.e,no P.OBc�2411 deur d"; er.. Same as CCCSD's current procedure 12 6 Residential Backup Response & 441hant Claims Handling Policy i Procedure Agency Feg d Point of Contact Porto rms the Fol to*n g: ffil t. Initiate contact with the Customer&provide the following: 4Agenty Claim Form or instruictionson how to obtain a Claim form -)Sewer Backup Customer information Letter -Mwel Aulhorization,as necessary 2. Explain to the Customer that your Agency has authorized payment for emergency services only&that all future expenses&lar questions regard ng claims issues must be discussed with Carl Warren&Co. 3_Complete the Sewer Backup Summary Report 4. Review the scope of emergency services proposed by the restoralkm firm 5_ Immediately contact Carl Warren&Co_&provide the following information: 7 Customer contact information ❑Extent of the backup U Scope of services proposed by the restoration firm NOTE i.'Ill Warren&Co.can't be immediately reached,use best professionalludgmenf to derermine it the scope of services proposed by the restaratlon Arm is approprfare. If in doubt linin Ste Scope of Services to that which seems reasonable unlit Carl Warren&Co.can be reached. Nbre P It the severity of the backup is beyond yotr ability to menage,request Carl Warreth&Cin_provide a Field Examin&r ASAP. 6.Collect the camera used by the Field Crew&take additional photos.as necessary 7.Gather all evidenceldocunentation of the following. 0 Cause of the backup ❑Extent of the damages caused by the backup 8. Forward all photos,completed Sewer Backup Summary Report&other dccumeniationlevidence to the Claims Management Coordinator. Similar to CCCSD's current procedures 13 Residential Backup Response & 441hant Claims Handling Policy & Procedure A New: Document and hand off to TPA ManageMnt C 1. Review the Sewer Backup Summary Report,photos taken&all other documentationlevidence provided by the Agency Field Point of Contact 2. Set up a claims file and insert copies of all relevant information 3. rmrnediafetw contact Carl Warren&Co.&discuss the following, ❑Documentation gathered ❑Plan of action O PJtemate Irving arangernents.if necessary(ensure Car!Warren&Cc assumes responsibility for managing alternate living aparrgernentyncidenWs from[hes pant forward) 4. DoarmerR the date,time&content of the discussion with Carl Warren&Co.and place in the claim Eta {NOTE:document elf phare conversations/other communication with ft Customer&Carl Warren&Co. from OS point forward&keep in the Claim fr1Bf 5. Immediately forward the Sewer Backup Summary Report photos and all other relevant ewidenrPltlocurmentalion gathered to Cart Warren&l 6. Direct all Customer concerns and questions regarding the adjustment of their daim to the Cad Warren& Co.Claims Adjustor or Amount Manager or to the CSRMA Program Administrators 7.Communicate amth the Claims Adjustor amdfor Account Manager bi-weekly or as necessary to keep informed of the status of the claim and provide Information.as necessary 8. Ensure the Claims File is kept current wrath all communications between Cad Waren&Co..the Customer. tame restoration firm and other involved parties 9. Provide internal status reports,as necessary,to appmprtate members of management staff 14 7 Residential Backup Response & Mftnt Claims Handling Policy i Procedure 1. Initiate contact with Ownerrrenant as soon as passible,but no later than the fust business day after not ficaton of the Foss 2. Make all neoessary arrangements for lodging.food and incidentals beyond those made by the Agency immediately following the loss 3. Negotiate&oversee the restoration firms' work to ensure proper scope of cleaning,disinfection,& demolition 4. Investigate.adjust and administer claim to Bosun: 5. Whenever prudent to do so,have claimant agree,as a condition of claims settlement.to install and maintain,at their expense.a Backwater Prevention Device meeting local requirements on their service lateral 6. Far claims where the estimated settlement timeframe is greater than 30-days,provide the Agency's Claims Management Coordinator with status reports bi-weekly,as necessary or as requested by the Claims Management Coordinator. 7. For claims with issues oomplicahng movement towards settlement,immediately notify the CSRMA Program Administrator's for guidance & When clrcumstarrces warrant or when requested,dispatch a Field Adjustor to the location of the sewer backup 15 ➢ EPL Hotline ➢ www.csrma.org ➢ Insurance Requirements in Contracts Training ➢ Exposure Analysis and Insurance Review ➢ WeTIP,anonymous crime reporting hotline ➢ Risk Management Consulting ➢ Otherinsurance Brokerage ➢ Risk Management Reimbursement Programs ➢ Risk Control s 16 8 Risk • • ➢ Loss-based,focused on historical and emerging risks ➢ Classic Services: ■ Training Seminars, Webinars, CASA(decision makers), and online ■ Risk Control Audits 58 known areas of risk against CSRMA-developed best standards CalOSHA, CalEPA, SWRCB standards ■ Outreach Model policies,Alerts, hotline services, newsletters ➢ SMART Procedures: Lockout/Tagout and Free-Form Photo SOP Mobile App ➢ Vector Solutions online training and learning management system ➢ Risk Control Online 10 17 Risk Control CAVA D 11 18 9 Questions ■ iliant