2015 STATE OF THE FUND

2015 STATE OF THE FUND Celebra ng the Power of Partnership Success in Shared Services Atlan c County Municipal Joint Insurance Fund P.O. Box 488, Marlton, New Jersey 08053 P: 856 446 9100 F: 856 446 9149

MEMBER MUNICIPALITIES Absecon City Avalon Borough Brigan ne City Buena Borough Cape May City Cape May Point Borough Commercial Township Corbin City Deerfield Township Dennis Township Downe Township Egg Harbor Township Estell Manor City Folsom Borough Galloway Township Hamilton Township Linwood City Longport Borough Lower Township Margate City Middle Township Millville City Mullica Township Newfield Borough North Wildwood City Northfield City Ocean City Pleasantville City Sea Isle City Somers Point City Stone Harbor Borough Upper Deerfield Township Upper Township Ventnor City Waterford Township West Cape May Borough West Wildwood Borough Weymouth Township Wildwood City Wildwood Crest Borough Woodbine Borough 1

MESSAGE FROM THE JIF CHAIRPERSON It is my pleasure to address you, the members. The Atlan c County Municipal Joint Insurance Fund (ACM JIF) is now in its 28 th year of existence, and we con nue to be a leader, and the best example of how shared services among public en es in the State of New Jersey are supposed to work. The ACM JIF started in 1987, and has grown from 7 charter members to 41 ac ve member municipali es. Times change, but the ACM JIF defies the odds, and con nues to provide financial stability and coverage to the members. Addi onally, the ACM JIF con nues to be a leader by establishing and enhancing programs that allow the members to be the best stewards of public funds. Safety is a primary concern to the ACM JIF, and the professionals that are employed to direct and support the culture of safety are second to none. We rely on the members and professionals to cul vate an a tude of safety, and to that end, risk is reduced and members are able to come to work in a safe and secure environment. But, when there are claims that arise, the JIF claims professionals make the process as quick and efficient as possible. And it is through their efforts, that costs of claims have been reduced resul ng in increased dividends to the members, as well as strengthening the overall JIF surplus. But none of these programs would work if there was no involvement from the membership. The keys to the JIF s success is par cipa on and understanding of how the JIF func ons. Con nued par cipa on by Fund Commissioners is an important part of why we are so good at what we do. Commi ees of the ACM JIF provide strong leadership in how the JIF performs. Without the guidance and dedica on of commi ee chairs and members, the JIF would struggle to maintain the level of professionalism that we have enjoyed for the last 28 years. I want to conclude this message by saying that it is my privilege to be not only a Fund Commissioner, but the Fund Chairman for this wonderful organiza on. I want to assure each and every member that the JIF will con nue to provide superior service in the upcoming years so long as each and every member con nues to par cipate. Thank you for the opportunity to serve as your Chairman for 2015. I appreciate all that you have done to make the ACM JIF the superior organiza on that it is. Edward F. Beck 2015 ACM JIF Chairperson Code Enforcement Officer City of Linwood 2

JIF ORGANIZATIONAL STRUCTURE JIF members are represented on an Execu ve Commi ee that manages the Fund, paying claims and inves ng its assets. The fund hires professionals such as an administrator, safety director and specially qualified claims a orneys to assist members in the daily opera ons of the JIF. 3

JIF LEADERSHIP EXECUTIVE COMMITTEE The Execu ve Commi ee serves as the Governing Body of the Fund with five elected Fund Commissioners serving along with the Chairperson and the Secretary of the Fund. During their terms of office, members of the Execu ve Commi ee shall exercise the full power and authority of the Fund Commissioners as expressly provided by these Bylaws. Member Execu ve Commi ee Role Member Execu ve Commi ee Linwood City Edward Beck Fund Chair Buena Borough Joe Santagata Alt. 1 Upper Township Teri Smuz Fund Secretary Longport Borough Richard B. Hirsch, Jr. Alt. 2 Role Sea Isle City George Savastano Execu ve Commi ee Estell Manor City Linda Kent Alt. 3 Millville City Susan Robostello Execu ve Commi ee Ventnor City James Goos Alt. 4 Somers Point City Lucy Samuelsen Execu ve Commi ee West Cape May Borough Lauren Vitelli Alt.5 Cape May Point Borough Kimberly S. Hodsdon Execu ve Commi ee Middle Township Connie Mahon Execu ve Commi ee FUND COMMISSIONERS This is an appointed posi on and candidates may be either a member of the governing body or a municipal employee. Fund Commissioners are generally responsible for the opera on of the Fund in accordance with the Fund Bylaws and all applicable statutes and regula ons. The Fund Commissioner is responsible for ac ng as a liaison between the member municipality and the Fund. Each member municipality may also appoint an Alternate Fund Commissioner to a end mee ngs in the absence of the member s regular Fund Commissioner. CLAIMS COORDINATORS Each member municipality in the Fund appoints a Claims Coordinator. It is the responsibility of the Claims Coordinator to oversee the repor ng of claims within the municipality and serve as a liaison between the municipality, the Claims Administrator (TPA), and the Managed Care Organiza on (MCO). The Claims Coordinator can be very effec ve in controlling the ul mate cost and outcome of claims. SAFETY COORDINATORS The Safety Coordinator is appointed by the municipality to oversee the member s safety efforts and act as a liaison between the municipality, the JIF Safety Director and other outside agencies. 4

FUND COMMITTEES All individuals who serve on Fund Commi ees are from the Member Municipali es to ensure that decisions and policies of the ACM JIF are member driven. FINANCE COMMITTEE The Finance Commi ee serves as the focal point for communica on between the Fund s Commissioners and the Fund s Professionals for the development of an annual budget. The Finance Commi ee works with the Fund s Actuary, the Professionals and commi ees to develop claims funding, expense funding and funding for special programs. The Finance Commi ee recommend budget, dividend, and assessment strategies that make sense in the world of municipal finance. The Commi ee with the Fund Auditor review the financial posi on and recommend the return of surplus. STRATEGIC PLANNING COMMITTEE The Strategic Planning serves as the focal point for communica on between the Administrator, the Fund Commissioners, and any other professionals regarding long range strategies which should be pursued in order to ensure the integrity, growth, and viability of the JIF. The Strategic Planning Commi ee advises the Execu ve Commi ee regarding long term strategies and planning considera ons. The Strategic Planning Commi ee recommends programs designed to keep the JIF membership informed and up to date on current issues. NOMINATING COMMITTEE The Nomina ng Commi ee is made up of the Chairs of all standing Commi ee s of the Fund, the two most recent past Fund Chairs s ll serving as a Fund Commissioner, and two members at large chosen by the si ng Fund Chair. The Nomina ng Commi ee shall be charged with reviewing and nomina ng candidates for presenta on in the event of a need to elect officers to the Execu ve Commi ee. SAFETY COMMITTEE The Safety Commi ee serves as a focal point for communica on between the JIF, the Execu ve Director, the Safety Director and the member municipali es. The func on of the Commi ee is advisory in nature and is not intended to infringe upon the responsibility of the Safety Director or employees of member towns. The Safety Commi ee advises the Execu ve Commi ee on safety policies, performance of municipali es in terms of safety, and of the individual firms responsible for repor ng on same. The Safety Commi ee works with the Execu ve Director and the Safety Director in a emp ng to iden fy services which may be provided by the JIF to member municipali es in order to reduce the risks of accidents. Safety Commi ee members review professional reports that iden fy claims trends and recommend loss preven on programs that work in a municipal environment to prevent future claims. COVERAGE COMMITTEE The Coverage Commi ee serves as a focal point for discussion on issues pertaining to coverage, underwri ng, and reinsurance. The Coverage Commi ee advises the Execu ve Commi ee on issues pertaining to coverage requirements of members of the JIF, coverage issues in the insurance industry which should be addressed by the JIF, the efficiency and clarity of the JIF in addressing areas of insurance outside of its normal purview, reten on and reinsurance issues, and underwri ng guidelines. EMPLOYMENT PRACTICES LIABILITY/CYBER COMMITTEE The Employment Prac ces Liability/ Cyber Commi ee serves as a focal point for discussion on issues pertaining to employment prac ces liability and public official s liability claims. The Commi ee advises the Execu ve Commi ee on issues pertaining to the source, amount, and types of these claims and their financial impact on members and on the ACM JIF. The Commi ee reviews observa onal, sta s cal, and historical informa on presented by the Fund Professionals and recommends policies to be adopted and ac ons to be taken to eliminate, reduce, or mi gate the financial impact of these claims on the membership. The Employment Prac ces Liability Commi ee shall also serve as the focal point for discussions on issues pertaining to Technology Liability. The Commi ee shall advise the Execu ve Commi ee on issues pertaining to the source, number, and types of claims impac ng members. The Commi ee shall review observa onal, sta s cal, and historical informa on presented by the Fund Professionals and shall recommend policies to be adopted and ac ons to be taken to eliminate, reduce, or mi gate the financial impact of these claims on the membership. CLAIMS REVIEW COMMITTEE The Claims Review Commi ee serves as the focal point for communica on between the Claims Administrator and the Fund Commissioners. The Commi ee reviews all Payment Authoriza on Requests (PARs) and review li ga on strategies with the Fund s A orney. The Claims Review Commi ee advises the Execu ve Commi ee regarding claims administra on and payments. 5

MESSAGE FOR THE EXECUTIVE DIRECTOR January 1, 2016 marks the 29th year of existence of the Atlan c County Municipal Joint Insurance Fund (ACM JIF). While several compe ng Joint Insurance Funds have sprung up none can compare with the success of the ACM JIF. The pages that follow highlight many of the JIF s accomplishments and provides evidence of this extraordinary success. I can delineate the JIF s success into three categories: FINANCIAL The ACM JIF has saved Atlan c County taxpayers millions of dollars in insurance premiums and has returned $28, 297, 986* in dividends to member municipali es. Premium savings are made possible by keeping overhead costs low and placing emphasis on loss control and claims management. Dollars not spent on claims are returned to members as dividends. This is a stark contrast to compe ng JIF organiza ons that carry much a higher overhead and bill members addi onal assessments due to poor management and rocky claims experience. The JIF s 2016 budget reflects a flat budget over 2015 and members will receive dividend checks for the 21st year. MEMBER INVOLVEMENT The expenditure of taxpayer dollars requires a high degree of stewardship. With an annual budget approaching $23,900,000, members need to know where every dollar is spent and this is accomplished through monthly bill lists and reports that track every expenditure to the penny. Annual audits conducted by RMAs confirm proper accoun ng. The ACM JIF was featured in a report from the New Jersey State Comptroller s Office that analyzed the online transparency of the state s local authori es and commissions for its high level of transparency and accountability. A recent audit by the Department of Banking and Insurance found the JIF in full compliance with the statutes and administra ve code governing New Jersey Joint Insurance Funds. PROGRAMS AND SERVICES The JIF is more than insurance coverage. It is an organiza on dedicated to helping municipali es control risk, prevent workplace injuries, and defend lawsuits against its members. Training in safety and risk management topics occur throughout the year with special seminars conducted for elected officials, managers and supervisors, and police personnel. We were the first JIF in New Jersey to embrace wellness programs designed to encourage healthy lifestyles among municipal employees. Studies have demonstrated that healthy employees are less likely to be injured on the job and likely to recover more quickly following an injury. All in all, the ACM JIF is dis nguished by the commitment of its members to each other and the principle of cost control through safety and risk management. This is what truly differen ates us from other JIFs. Paul J. Miola, CPCU, ARM Arthur J. Gallagher & Co. 2015 Execu ve Director for the ACM JIF *includes addi onal dividends issues directly to Members by the MEL. 6

FINANCIALS: HIGHLIGHTS 2015 Financial Highlights Flat Budget Increasing Exis ng Member Programs Funding increased for Safety Incen ve Program (SIP), Police Defense & Training, AGRiP/ PRIMA Funding reinstated Funding for the addi on of a Wellness Program No Members qualified for the Retrospec ve Program Con nual use of Renewal Revalua on Program benefi ng 11 Members Con nuing with a $300,000 SIR for Workers Compensa on & Liability claims 2016 Financial Vision Flat Budget All Member Programs remain intact Con nued use of the Renewal Revalua on Program benefi ng 10 Members No Members qualified for the Retrospec ve Program Con nuing with a $300,000 SIR for Workers Compensa on & Liability claims Increase Property SIR to $100,000 AUDIT ANALYSIS Historical Opera ng Results Summary All Fund Years (as of 9/30/15) Total Earned Contribu ons & MEL / RCF Dividends $359,983,819 Claims Paid (Net of Subroga on) (148,310,094) Excess Recoveries 284,889 Excess Insurance Premiums Paid (72,151,725) Residual Claims Fund Premiums Paid (23,061,710) Opera ng Expenses Paid (60,844,671) Total Payments (304,083,311) Posi on A er Expenses 55,900,508 Investment Income (per Treasurer) 19,314,036 Transfers Return of Surplus (24,859,680) CASH POSITION $50,354,864 Case Reserves (14,302,202) Posi on A er Case Reserves 36,052,662 IBNR Reserves (8,915,388) Net Current Surplus/(Deficit) $27,137,274 7

FINANCIALS: FINANCIAL AUDIT RESULTS The ACM JIF increased total assets 7.66% and its net posi on by 31.25% in 2014. It was able to adopt a 2015 flat budget. The JIF outperforms compe ng JIFs in every category but especially where it counts FINANCIAL STRENGTH! Because of the Members commitment to loss control and claims management, the ACM JIF has the assets and surplus to pay Member claims both today, and in the years to come! Remember: It doesn t ma er who insures you un l it does! Net Posi on Summary 12/31/2014 12/31/2013 Change Percentage Assets Cash & Cash Equivalents, Investments & Accrued Interest Receivable $46,652,640 $43,198,411 8.0% Other Assets 778,341 858,952 9.38% Total Assets 47,430,981 44,057,363 7.66% Liabili es & Net Posi on Liabili es Loss Reserves 20,266,379 22,801,705 11.12% Other Liabili es & Reserves 875,874 1,226,734 28.60% Total Liabili es 21,142,253 24,028,439 12.01% Net Posi on Unrestricted $26,288,728 $20,028,924 31.25% The pie chart displayed below demonstrates the efficiency of the JIF program. A percentage of the JIF s budget pays for member claims within the JIF Self Insured Reten on of $300,000 for workers compensa on and liability and $50,000 for property. Once a claim exceeds the local JIF level, the financial responsibility falls to the Municipal Excess Liability Joint Insurance Fund (MEL). The chart below illustrates the alloca on of member dollars to JIF expenses. The JIF never relinquishes control over the claim; however, claims experts at the MEL level monitor the more difficult large claims that occur and provide guidance on their disposi on. 8

FINANCIALS: 2016 BUDGET, ASSESSMENT & STRATEGY 2016 B H The JIF budget is made up of five components: Loss Funds The amount needed to pay claims Opera ons Expenses in which are related to the opera on of the JIF Member Programs Consists of member program benefit costs Excess Insurance Costs Premiums paid for reinsurance or direct insurance purchases RMC Fees Consists of risk management consultant fees The Loss Funds are calculated by the Fund Actuary based upon historical claims and exposure trends and makes up over one half (58.05%) of the JIF s budget. Excess Insurance Costs (28.03%) provide coverage through the membership of the Fund in the Municipal Excess Liability Joint Insurance Fund (MEL) which uses the joint purchasing power of 19 NJ JIFs to nego ate the lowest responsible rates. Opera ng Expenses comprise 8.92% of the budget and are kept at a reasonable level under the watchful eye of the Finance Commi ee. For 2016, the overall budget remained Flat! Once the Finance Commi ee agrees to a dra budget the task of alloca ng member shares begins. Using the previous year s premium as a base, member alloca ons are adjusted based upon their claims history. Members with fewer claims costs as compared to their premiums (loss ra o) over a six year period are rewarded with lower premium modifica ons than members with higher loss ra os. In order to maintain rela vity among the members, the Fund Actuary re prices each member once every three years, and if necessary, an addi onal modifica on factor is applied to bring members premiums in line with their rela ve exposure and claims experience. Beginning in 2011, several members with unusually poor claims history were placed in a loss sensi ve program in which they are charged a set premium and their final premium is determined by the claims they actually incur. This has the effect of maintaining a stable base premium for the member and only paying more if their claims con nue to escalate. The resul ng benefit to the remaining members is lower premiums and member equity. 9

FINANCIALS: DIVIDENDS & RECOVERIES D Because the JIF is a public en ty owned and controlled by the member municipali es all premiums collected by the JIF, not spent on losses and other program expenses are returned to the members with interest! In 2015, $1,750,000 was returned and $28,297,986* has been returned to ACM JIF members since incep on. Listed below is the historical dividend distribu on grand total by member. Member Grand Totals All Years Member Grand Total All Years Absecon City $22,710 Middle Township $937,384 Avalon Borough $849,493 Millville City $513,775 Brigan ne City $1,248,938 Mullica Township $144,482 Buena Borough $309,787 Newfield Borough $241,170 Cape May City $192,308 North Wildwood City $1,160,677 Cape May Point Borough $6,149 Northfield City $921,184 Commercial Township $71,578 Ocean City $4,002,679 Corbin City $2,302 Pleasantville City $2,027,606 Deerfield Township $113,653 Sea Isle City $1,021,342 Dennis Township $420,422 Somers Point City $947,705 Downe Township $378 Stone Harbor Borough $184,339 Egg Harbor Township $1,986,539 Upper Deerfield Township $399,877 Estell Manor City $62,966 Upper Township $41,166 Folsom Borough $168,963 Ventnor City $1,594,868 Galloway Township $303,230 Waterford Township $959,094 Hamilton Township $1,201,195 West Cape May Borough $38,056 Linwood City $38,899 West Wildwood Borough $49,715 Longport Borough $484,968 Weymouth Township $86,040 Lower Township $1,259,780 Wildwood City $139,591 Margate City $68,689 Wildwood Crest Borough $894,412 *includes addi onal dividends issues directly to Members by the MEL. S Subroga on refers to an insurance company seeking reimbursement from the person or en ty legally responsible for a claim a er the insurer has paid out money on behalf of its insured. This could include any money paid out for property damage, deduc ble amounts, diminished value, pain and suffering, loss of consor um, etc. In an effort to effec vely pursue subroga on, it is important to properly iden fy possible contractors, manufacturers, installers, suppliers, designers, subcontractors, etc. The JIF recommends that each municipality retain purchasing records, invoices, manufacturer s recommenda ons, specifica ons, instruc ons, damaged equipment, change orders, etc. so that this iden fica on can be made promptly and responsible par es placed on no ce. It is also very important to retain all contracts, Cer ficates of Insurance & Hold Harmless Agreements, so that the insuring party can also be placed directly on no ce of lien rights. All documents should have consistent language throughout any addi ons, dele ons or changes. Recoveries: Woodbine Borough $109,564 For the Year of 2015 (Valued as of 10/31/2015): $ 559,785 All Years: $ 7,800,000+ 10

CLAIMS: CLAIMS DATA As the charts below illustrate, 44% of claims are workers compensa on claims but they account for 71% of the fund s claims dollars. Upon joining the JIF, every member is required to appoint a Claims Coordinator who serves as a point of contact between the member and the JIF Claims Administrator. Special training and a Claims Coordinator Handbook is provided to your Claims Coordinator so that they are prepared to handle any claims situa on that arises within your town. The JIF Workers Compensa on Claims Adjusters are assigned a maximum of 150 files at any given me so that they can focus on working their claims to achieve the best possible results. The JIF also employ the services of the very best defense a orneys in South Jersey to defend the fund s claims. Their knowledge of workers compensa on and tort claims against public en es has resulted in excellent results for the JIF and its members. Comprehensive Li ga on Management Guidelines assure the JIF members that their claims are being defended in the most aggressive and cost effec ve means possible. S Y L R S ( alued as of 9 30 15) C L C Fund Years 2009 2014 (valued as of 9 30 15) 11

CLAIMS: MANAGED CARE Workers compensa on claims account for 71% of claims dollars expended over the past six years. Medical and wage infla on have had a significant impact on the JIF s workers compensa on costs and the JIF must seek every possible way to control costs in this area. The JIF contracts with a managed care provider to assist in this endeavor. Every workers compensa on case reported within 3 days allows the JIF to control the course of the claim from the very start. The average days to report a workers compensa on claim for the ACM JIF from January to October of 2015 is 2.0 days. A nurse case manager is assigned to every case and constantly monitors the course of medical treatment to make sure that essen al services are delivered on a mely and cost efficient basis. All medical care is delivered through a PPO network of doctors who specialize in occupa onal injuries and agree to the JIF s rate schedule. Over 94% of the fund s medical services are delivered through network facili es resul ng in significant savings as illustrated below. On a final note, JIF members have wholeheartedly embraced transi onal duty thus allowing injured employees to return to work in a produc ve role while comple ng their final course of treatment. Dollars saved in disability payments, indemnity costs, and over me costs can be measured in the hundreds of thousands of dollars. M C R (January October) 2015 2014 # Transi onal Duty Days: 9,377 (available) 9,650 (available) 6,834 (worked), 72.9% 6,746 (worked), 69.9% PPO Provider Charges Penetra on Rate: 96.2% 97.2% PPO Provider Billing Penetra on Rate: 94.40% 92.9% PPO Provider Savings: 64.7% 65.6% EPO Provider Charges Penetra on Rate: 86.4% 88.7% EPO Provider Billing Penetra on Rate: 84% 86.8% Total Provider Charges: $6,673,433 $7,899,304 Total Repriced (Allowance): $2,328,566 $2,706,395 Total Savings: $4,314,689 or 64.7% $5,182,198 or 65.6% 64 Lost Time 61 Lost Time Lost Time/ Medical Only: 497 Medical Only 509 Medical Only 89:11 Medical Only/Lost Time Ra o 89:11 Medical Only/Lost Time Ra o 12

WELLNESS INITIATIVES As Wellness Director, I have the opportunity to share my excitement for good health and wellness with the members of the ACM JIF. My professional career and personal life has been centered on health and wellness, whether it has been the workplace, classroom, fitness center, or playground. What is Wellness and why the workplace? Being healthy in body and mind especially as the result of deliberate effort. Also an approach to healthcare that emphasizes preven ng illness and prolonging life. The workplace is the perfect loca on for promo ng wellness because the majority of the employee s day is spent at the workplace. Health promo on programs in the workplace may include companywide policies designed to support healthy behaviors, such as healthy selec ons in the vending machines, employee walking groups, or on site medical screenings. Par cipa on in any company sponsored health program is always on a volunteer basis. I have spent much of my me assis ng those municipali es that have requested my assistance. 2015 Wellness Accomplishments In Good Health monthly newsle er on JIF website that contains monthly updates including: 2 3 na onally observed health topics Exercise for each month, including pictures and descrip ons Healthy recipe for each month Have visited 40 of the 42 municipali es Have assisted with or been present for the following wellness ac vi es: Health Fairs : Several member municipali es held health fairs throughout the year with great success. The goal is to increase par cipa on at these fairs and strive to have addi onal municipali es host them in the future Other Wellness Events & Ac vi es: This is a short lis ng of just some of the wellness events and ac vi es that took place during 2015 Women s Health Day Invited die cian to speak, made smoothies, led par cipants in weight training and body composi on analysis Screenings for Employees Had representa ves from Atlan care come to the municipality to perform for blood pressure and cholesterol screenings. This event also had a lunch and learn. Encouragement to Walk: One member distributed pedometers and encouraged a walk at lunch day, employees walked a 1 mile course together Wellness Wednesdays This consists of wellness events that focus on different aspects of wellness. Includes health challenges, biometrics, and lunch & learns Municipali es have used their own cer fied staff to check employee blood pressures Designated certain days of the month as employee health days and on these days offer events such as: healthy smoothies, or employee massages 2016 Wellness Goals Assist each municipality to have at least one wellness event. Move It Mondays 1st Monday of each month will email a movement p to Fund and Safety Commissioners to share with employees Distribute exercise and stretching posters to each municipality to display for office staff, public works, police and fire Provide the necessary support and steps for pu ng together a wellness program Thank you for a great year and for your par cipa on! Valerie Smith ACM JIF Wellness Director 13

SEMINARS, WORKSHOPS & TRAININGS MEL SAFETY INSTITUTE The MEL Safety Ins tute (MSI) was established in 1999 as a way to coordinate the training efforts of 19 local Joint Insurance Funds. The MSI has allowed the JIF to provide significantly more training opportuni es to its members at a much lower cost per employee. For approximately $26 per employee per year, your staff has unlimited access to over 1,200 classes held each year at convenient loca ons, even your own municipal complex. A total of 1,810 ACM JIF employees have been trained through 9/30/2015. MSI ONLINE TRAINING The MEL MSI has started to develop online training program library of courses. There are 19 online training courses now available for the members to access. Below are some of the training topics available. For a full lis ng, please visit the MSI website. New Employee Orienta on Li ing Safety Department of Public Works Office Safety Fire Safety Crossing Guards Defensive Driving Bloodborne Pathogen Refresher Right to Know Refresher Leaf Collec on Safety POLICE COMMAND STAFF TRAINING As part of the con nuing commitment to Police Command Staff Training, the ACM, BURLCO and TRICO JIFs sponsored the bi annual Police Risk Management Training Seminar for all Chiefs, Deputy Chiefs, Lieutenants, Captains, Sergeants and Corporals. This training opportunity focused on common employee/employer issues including discipline and discharge, promo on procedures, and discrimina on and harassment including the Conscien ous Employee Protec on Act (CEPA) as well as Post Trauma c Stress Syndrome (PTSD). CYBER AWARENESS TRAINING In early 2016, the MEL will make Cyber Awareness Training available to all member employees via the New Jersey MEL website (www.njmel.org). This short online training course will provide par cipants with a basic understanding of the risks associated with the use of email, the internet, websites, and social media. All employees are encourage to par cipate in this important training. An announcement will be sent to all members once the training is available. SPECIAL OFFICER PATROL PRACTICES SEMINAR This annual training is intended for any addi onal police officers that may be hired by a municipality to assist with the seasonal influx of residents and visitors. These Special Officers are trained on sources of legal authority, municipal ordinance enforcement, first amendment issues, risk management and civil liability as well as other related topics. MANAGERIAL & SUPERVISORY TRAINING SEMINAR This bi annual seminar is intended for all employees who manage or supervise others within a municipality. This training will include informa on on how managers and supervisors can help reduce accidents in the workplace over me and the importance of safety. It addresses common employee/employer issues including discipline and discharge, and discrimina on and harassment. ELECTED OFFICIALS SEMINAR Annual seminar extended to the JIF Elected Officials focusing on per nent issues that challenge municipali es. This year the program will focus on controlling the cost of Public Officials and Employment Prac ces Liability Claims. Upcoming seminars are listed on the JIF s website. 14

RISK MANAGEMENT CYBER LIABILITY Data breaches seem to be on the rise and some could say a daily occurrence. As these events take place, it makes us examine in depth the coverage and protec on offered to the fund s members. As the threats, number of risk and types of risks have increased, so has the JIF s liability protec on. Some of the enhanced measures that the ACM JIF has implemented are: Increased Limits Request for Proposals for Technology Risk Management Exposure Audit services This audit would provide complete risk assessment of each JIF member in determining their current level cyber security, and iden fy any weaknesses. MEL JIF is preparing model policy and procedures guidelines to protect municipali es against technological liabili es. Cyber Awareness Training TULIP: TENANT AND USER LIABILITY INSURANCE PROGRAM TULIP provides special event insurance for use of member en ty facili es by guests, groups, organiza ons and community members. TULIP allows for a general liability policy to be wri en in the name of the tenants and users naming the member en ty as addi onal insured. EXIGIS Exigis is a private, customized exposure database management system for the ACM JIF members to manage their exposure data to be er control risks. WEBSITE Members can download monthly agenda packets and mee ng minutes, access contact informa on, JIF policies and procedures for various programs, request cer ficates of insurance, and obtain vouchers or other important documenta on. Announcements and upcoming events are directly on the homepage for quick access. JIF MEMBER FORUM The JIF Member Forum is a private, secured message board for the JIF Members to come together to share common concerns, ask ques ons and to connect with other member municipali es. www.jifmemberforum.org OTHER RISK MANAGEMENT TOOLS Model Indemnifica on & Hold Harmless Language Agreement Cer ficate of Insurance Guidelines EPL Helpline Model EPL/POL Policies & Procedures Model Municipal Facility Use Agreement Police Accredita on Credit 15

Mission Statement We are an organization of municipalities united to achieve savings and stability through comprehensive insurance, safety, and claims management programs dedicated to reducing public sector risk.

Prepared by your JIF Administrators: Paul J. Miola, CPCU, ARM & Paul Forlenza of Arthur J. Gallagher & Co. December 2015 Atlantic County Municipal Joint Insurance Fund P.O. Box 488, Marlton, New Jersey 08053 P: 856-446-9100 F: 856-446-9149