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2010 Office of Risk Management Regional Conference

Explore the Insurance Coverages and Services offered by the Office of Risk Management in Louisiana. Learn about various policies including General Liability, Personal Injury, Media Liability, Medical Malpractice, Automobile Liability & Physical Damage, Aviation & Airport, Wet Marine Liability, Workers' Compensation, Bonds, Crime, Property, Equipment Breakdown, and Bridge Property Damage.

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2010 Office of Risk Management Regional Conference

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  1. 2010Office of Risk ManagementRegional Conference

  2. The Office of Risk Management

  3. ORM Statute LA R.S. 39:1535

  4. Administrative Code http://doa.louisiana.gov/osr/lac/books.htm Title 37, Insurance Compiled December 2009

  5. ORM WEBSITE www.doa.louisiana.gov/orm

  6. Affiliations • PRIMA • LABI • IRMI • PIA OF LA • ISO • RIMS • STRIMA • NSC • AGA • NIGP • GFOA • IIA OF LA • NAA

  7. Office of Risk Management Insurance Coverages

  8. Description of Coverages www.doa.louisiana.gov/orm/Uwcov.htm Catalog of Insurance Coverages and Services

  9. Commercial General Liability • Public “Slip & Fall” Policy • Coverage for bodily injury and property damage • Broad coverage with specific exclusions • No deductible

  10. Personal Injury & Advertising Liability • Part of CGL • Covers non-bodily injury liabilities • False arrest • Wrongful entry or eviction • Libel • Slander

  11. Publishers Media Liability • Covers non bodily injury claims • Arising out of the broadcasting and publication of media • Broadcasting of TV, motion pictures, radio, etc. • Publication of newspapers, magazines, books, music, websites, etc. • No deductible

  12. Medical Malpractice • Coverage for negligent acts of State medical professionals • No deductible

  13. Automobile Liability &Physical Damage • Liability • Automatic coverage • Primary BI & PD coverage for all State vehicles • No deductible

  14. Automobile Liability &Physical Damage cont. • Physical Damage • Coverage for State-owned or leased vehicles only • Reimbursement of deductible on personal vehicles used on State business • Deductibles: • $1,000 Comprehensive • $1,000 Collision

  15. Automobile Liability &Physical Damage cont. • Enterprise Motor Pool Contract • Enterprise pays physical damage claims • Enterprise pays liability claims up to $1,000,000

  16. Aviation & Airport • All aircraft must be reported! • Non-owned aircraft exposures • Airport Hangarkeepers Liability Coverage Available • Deductibles • $1,000 Hull • No deductible Liability

  17. Wet Marine • All watercraft over 26 feet must be reported! • Deductibles • $1,000 Hull • No deductible P&I

  18. Workers’ Compensation • Statutory & Maritime • Medical payments and weekly compensation payments for injured employees • Worldwide coverage • Volunteers eligible for medical payments only • No deductible

  19. Bond • Covers theft by employees • Includes: • Property manager • Notary • Postal bond • Public official • $1,000 deductible

  20. Crime • Covers robbery and safe burglary by non state employees • Employee theft not covered here • $1,000 deductible

  21. Property • Building structures • Office equipment • Fine arts • Animals • Mobile equipment • Boats 26 feet and under and motors • $1,000 deductible for all perils excluding flood • $5,000 deductible for Flood

  22. Equipment Breakdown Coverage(Boiler & Machinery) • Property damage to boilers and related equipment • Business income / extra expense • $1,000 deductible for 1st party property damage • No deductible for liability claims

  23. Bridge Property Damage • Property damage to bridges • Business income / extra expense • Scheduled bridges only • Leeville-Fourchon Bridge • $1,000 deductible

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