Comprehensive Insurance Coverage at the Office of Risk Management in Louisiana

1. 2004Office of Risk ManagementRegional Conference

3. The Office of Risk Management

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

5. Administrative Code www.state.la.us/osr/lac/books.htm Title 37 Insurance

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

7. Affiliations STRIMANSC PRIMALABI AGANIGPIRMI PIA of LA NAA GFOAIIA of LA RIMS ISO

8. Office of Risk Management Lines of Coverage

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

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

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

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

13. Road & Bridge HazardDOTD ONLY • Coverage for claims involving poorly designed or repaired roads • No deductible

14. Automobile Liability &Physical Damage • Liability • Automatic coverage • Primary BI & PD coverage for all State vehicles • Excess coverage for personal vehicles used on State business • No deductible

15. 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

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! • Maritime Workers Comp. • Deductibles • $1,000 Hull • No deductible P&I

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

19. Miscellaneous Tort • Excess coverage above liability policy limits • Coverage for claims not included in any other policy • No deductible

20. Bond • Covers theft by employees • S/I $500,000 • $1,000 deductible • Includes: • Property manager • Notary • Postal bond • Public official

21. Crime • Covers robbery and safe burglary • Employees not covered here • S/I $50,000 • Scheduled excess • $1,000 deductible

22. Property • Building structures • Office equipment • Fine arts • Animals • Mobile equipment • Boats under 26 feet and motors • $1,000 deductible

23. Builder’s Risk • Covers - structures during construction - materials/supplies on & off site • Protects state agency & contractor • July 1, 2004 Self-Insured • $1,000/$5,000 deductible

24. Boiler & Machinery • Property coverage • S/I $50,000 any one accident • Excess $15 M • Business income / extra expense • $1,000 deductible – 1st party property damage