Risk Management Solutions for Access Services Los Angeles, CA
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1 Risk Management Solutions for Access Services Los Angeles, CA Presented by Shelly Verrinder, Executive Director, Access Services & Mark Nimmo, Senior Vice President, SullivanCurtisMonroe
2 Prior Insurance Structure Access Excess Liability Following Form $5,000,000 limit excess of $5,000,000 excess of $1,000,000 Access Excess Liability Following Form $5,000,000 limit excess of $1,000,000 Access Lessor s Contingent & Excess Liability Covers Over Leased Vehicles $1,000,000 liability limit excess of $1,000,000 Providers limit Contractor A $1,000,000 liability limit Contractor B $3,000,000 liability limit Excess of $2,000,000 SIR Contractor C $1,000,000 liability limit Contractor D $1,000,000 liability limit Taxi Service 97 vehicles 122 vehicles 127 vehicles 89 vehicles Underlying insurance notes: 1. Contractors required to name Access as additional insured. 2. Coverage is required to be primary and non contributory with any coverage carried by Access.
3 Prior Claim Reporting Contractors Accident/Incident Access Immediate response Report to insurance carrier Report to Access within 24 hours including drivers statement Noted in Incident Report Log Investigation/analysis Driver discipline/vehicle condition Possible changes in safety/ incentive program/risk Mgmt Syst. Claim settlement/conclusion Notify Access carriers of large claims Investigation/legal review Report large claims/lawsuits to Access Lawsuit Quarterly claim runs to Access Claim settlement Subrogation back to provider Claim reporting notes: 1. After initial incident report, no additional information is given to Access. 2. Incident Report Log is not updated by Access, no claim amounts are provided. 3. Quarterly claim runs are not being provided to Access regularly. 4. Access not notified of large claims until it becomes a lawsuit.
4 Prior Insurance and Claim Reporting Structure Disadvantages: Low limit of liability insurance required from contractors and low total limits purchased by Access No coverage on Access Excess policies for taxis Inconsistent handling of claims four different carriers, claim representatives, and claim systems
5 Prior Insurance and Claim Reporting Structure Disadvantages: After the initial incident report, Access is out of the loop and dependent on the Contractor to provide updated claim status reports. Large claims come back to Access many months later. No opportunity for Access to use claim information to make changes to safety practices, driver training standards, and vehicle maintenance practices.
6 New Structure Excess Coverage $15,000,000 excess of $10,000,000 Excess of $1,000,000 Primary Excess Coverage $5,000,000 excess of $5,000,000 Excess of $1,000,000 Primary Excess Coverage $5,000,000 excess of $1,000,000 Primary Primary Liability Coverage $1,000,000 limit excess of SIR Covers all Access-owned vehicles Self-Insured Retention (SIR) ($50,000 or $100,000) Notes: 1. Access is first named insured on all policies with Contractors listed as additional insureds. 2. Third Party Administrator (TPA) hired and paid by Access to handle and settle claims within the SIR. 3. Coverage includes contingent taxi liability excess of $1,000, Total program limits are $26,000,000 excess of SIR.
7 Claim reporting under new structure Providers Accident/Incident Access Report to TPA TPA reports claim to carrier Investigation/analysis Status reports to Access/Online availability of information Driver discipline/vehicle condition Possible changes in safety/ incentive program/risk Mgmt Syst. Notes: 1. Initial incident report sent to TPA by Contractor or Access 2. TPA adjusts small claims within SIR, reports larger claims to carrier 3. Contractor can access on-line claim system, if desired 4. Different security levels of access available for on-line system Early involvement of legal counsel, if required Claim conclusion/settlement
8 TPA Information TPA works for, is paid by, and is responsive to Access. TPA adjusts all claims within the Self-insured Retention (SIR). TPA ensures that legitimate claims from riders are settled quickly and fairly. TPA reports claims which may exceed the SIR to Access carriers, and acts as Access representative with the carriers. Transparency of communication. Detailed claim information is always available on-line 24/7.
9 Benefits of New System One insurance program covering Access and the Providers together. High limits of protection against possible catastrophes. Consistent claim handling managed by a TPA hired by Access. Opportunity to learn from claims and to make improvements and changes in the overall safety culture of Access, thereby increasing rider satisfaction. Changes will reduce claims, making future premiums less. Changes will improve safety to benefit riders.
10 Claims: Target vs. Incurred $1,000,000 $900,000 Break-Even Target, $1,000,000 $800,000 $700,000 $600,000 $500,000 Incurred, $566,260 $400,000 $300,000 $200,000 $100,000 $0 Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun
11 Safety Initiatives Rider Safety Orientation Wheelchair Marking Tether Strap Program Driver Safety Pledge Weekly Safety Review Committee Vehicle Safety Backpack Safety Decals/Brake Lights Driver Incentive Program
12 Questions?
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