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Risk Management at Oregon State University

Risk Management at Oregon State University. Presented by: Joyce K. Fred, Risk Officer MBA, MPA, ARM November 19, 2008. Risk 101. What is Risk? Exposure to the chance of injury or loss Basics of Risk Management Avoidance Control Prevention and/or Reduction Transfer Insurance

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Risk Management at Oregon State University

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  1. Risk Managementat Oregon State University Presented by: Joyce K. Fred, Risk Officer MBA, MPA, ARM November 19, 2008

  2. Risk 101 • What is Risk? • Exposure to the chance of injury or loss • Basics of Risk Management • Avoidance • Control • Prevention and/or Reduction • Transfer • Insurance • Contracts and/or Waivers

  3. Insurance 101 • Self insured through DAS Risk • Mandated by Oregon Revised Statutes • Assessed for prior losses • Risk Charges ( 84% - $8M in 07-09) • Purchased policies by DAS only • i.e. Special Events – Daycare – Research Vessels

  4. Property 101 • Owned or leased buildings • Contents and Vehicles • Special Collections, Equipment (i.e. IT) • Goal: to restore to the same condition • State Deductible - $1.5 Million • OSU Deductible - $2500 (generally) • Equipment Breakdown - $25,000 • Report ALL losses under deductible • Stop Tag Program

  5. Liability 101 (Negligent acts) • Oregon Tort Claims Act (ORS 30.260 to 30.300) • $50,000 Property Damage • $100,000 Bodily Injury • (Additional $100,000 available) • $500,000 per occurrence • N/A out of state or in Federal Courts or Internationally • Clarke vs. OHSU • Known hazards

  6. Facility Use • Facility use agreements (risk transfer) • Inter-departmental • Non-OSU entity use or activities • i.e. Conferences • $1M liability required • Alcohol use • Security

  7. Vehicle Use • Authorized drivers • University/student employees • Temporary staff/faculty • Students participating in an officially sanctioned program • Officially appointed volunteers • Federal, State, County, & City employees • Completed Driver Authorization Form and has met Minimum Standards for Drivers (outlined on form)

  8. Vehicle Use (cont) • Personally Owned Vehicles • Rental Vehicles - Enterprise Contract vs. Others • Prohibited uses • Transporting family members, friends, pets, minors, hitchhikers, observers, ride-alongs • Personal use (including to/from home) • Use that is not in course/scope of duties • Consuming/possessing alcohol, smoking, and illegal drugs • Transporting firearms, unless for state business • Granting use to an unauthorized driver

  9. Volunteers • Agents of OSU - under OSU direction and control • Protected under Tort Limits (incl Defense for claims) • Eligible for Vehicle Use • Eligible for Volunteer Injury Coverage • Does the volunteer qualify for Volunteer Injury Coverage • Students • Non-compensated • Position description • No cost • Up to $25,000 limits • Excess over personal insurance • Must apply PRIOR to Injury

  10. Alcohol • Limited to Beer and Wine • Registration w/i 3 weeks of event • Pre-approved locations • LaSells Stewart Center • CH2M Hill Alumni Center • Valley Football Center • Reser Stadium • International Forum in Memorial Union • Agricultural Experiment Stations • Served only by Licensed and Insured Vendors • Insurance Coverage • Donated alcohol • http://risk.oregonstate.edu outlines the process and OARs (576-060)

  11. Property Claims Reporting • Contact the Office of Risk Management • Earliest is best • DPS or Facilities not responsible • Complete Claims Form • For Vehicles, refer to Accident Report Packet • Obtain documentation about the incident and damages • Photos • Witness Info • Police reports • 2 estimates of damages • Reminder: Loss of use

  12. Liability Claims Reporting • Injured parties • Refer to Office of Risk Management • Do not admit negligence or liability • University will NOT contact the injured party • Obtain documentation about the incident • Statements • Contact info for witnesses • Injured party info • Refer all 3rd party insurance carriers to Office of Risk Management or General Counsel

  13. Claims of Severity • Contact Office of Risk Management immediately • Refer to Emergency plans • Emergency Response • Adjusters and Claims Teams • Recovery and Continuity • Keep DETAILED records • Receipts • Time

  14. Questions?? Joyce K. Fred, Risk Officer Office of Risk Management 644 SW 13th St 541-737-7252 Website: risk.oregonstate.edu

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