Risk report

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Department of Administrative Services

We present to you the Risk Report for Fiscal Year 2010. This document is a derivative of the Department of Administrative Services' (DOAS') operational overhaul to better align with statewide goals of efficiency and responsible governance. Since our historic transformation began more than five years ago, Risk Management Services (RMS) has helped to put years of inefficient loss control efforts to rest, making the use of sound insurance management and key claims metrics the cornerstone in building a "culture of safety" throughout our state.

With newly legislated transformational authority over the state's risk management activities, RMS created the groundbreaking Comprehensive Loss Control Program (CLCP). No longer would rising workers' compensation claims, property maintenance issues and auto accidents be the sole financial burden of Georgia taxpayers. Instead, participation in the program required that all state agencies do their part to ensure the prevention and reduction of state claims, a requirement that has produced some startling results:

Since implementation of the CLCP two years ago, the State of Georgia has experienced a 20.2% drop in workers' compensation claims and a 25.1% drop in auto liability claims.
Additionally, the State has enjoyed an overall drop of 19.5% in new claims and a cost avoidance of at least $15 million in new claim costs.
Georgia has avoided more than 1,000 state employee job-related injuries and counting, as a result of various CLCP loss prevention activities.
As a result of our aggressive actions to mitigate or eliminate claims, our state was given a 38% decrease (another $5.6 Million is savings) in premiums for excess insurance in FY2011 provided by excess insurance carriers.
Collectively, these outstanding results represent growing evidence of our Risk Management division being recognized as one of the leading Risk Management units in all of state government.
And so, as you review this report, understand its purpose as a tool for continuing loss control efforts throughout Georgia. May you use this provided data to respond more quickly to emerging loss trends, to support agency loss control efforts or to more accurately predict and focus on potential exposures in your operations. Together, let's continue to make State of Georgia opera-
tions a safer work environment and a premiere risk management entity in the nation.

MISSION
To protect customer assets and to discharge legal liabilities by identifying loss exposures, providing insurance coverage, promoting loss control, and administering claims.

Regards,
Brad Douglas
Commissioner

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Risk Management Services
The Department of Administrative Services, Risk Management Services (RMS) is pleased to provide you with the second annual Risk Report for Fiscal Year 2010. In this year's report, we want to provide you with a reference tool and resource to help you understand the State of Georgia's risk related exposures and losses. In this report, you will find a comprehensive summary of Georgia state government risk management programs, as well as state entity loss information for fiscal year 2010 and claims history for FY2005 -2009.
The data in this report represents a snapshot in time, as claims enter and leave the system daily. However, RMS is confident that the data enclosed is accurate as of July 1, 2010. Included is data for 15 state entities that make up over 92% of state government loss experience in the Workers' Compensation program. This report also provides comprehensive FY2010 claims frequency and claims cost data for State of Georgia's Workers' Compensation, Property, General Liability, Auto Liability and Auto Physical Damage programs, with comparisons to previous fiscal periods.
Claims data changes by the hour as new claims are received, older claims are paid and closed and in some cases, as recoveries are credited. RMS remains focused on the experience history rather than the loss exposure history, therefore, the financial burden for each program shifts to the organizations that have the greatest financial impact on the trust funds. The enclosed data is important because it forms the basis for calculating an agency's premium allocations in the future.
RMS is a single enterprise support entity that receives and handles nearly all of the liabilities incurred as a result of the State of Georgia operations. Our staff is committed to assisting each participating agency as they implement their own comprehensive loss control plans designed to minimize organizational exposure and reduce losses.
For further information on RMS, contact the program staff or visit the Risk web site at www.DOAS.ga.gov/risk.
Regards,
Chris B. Risley, MBA, CPCU
Director, Risk Management Services
OBJECTIVE
The primary objective for DOAS/RMS is to serve as the state's internal insurance agency responsible for the design, implementation and administration of appropriate risk financing through the use of self-insurance and traditional insurance programs. In addition, DOAS/RMS is responsible for providing efficient claims administration for both first party property claims and third party liability claims.

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Table of Contents
Overview ................................................................................... 6
Achievements ............................................................................ 13
Statewide Report ........................................................................ 17
Best Practices Observed .............................................................. 18
Agency Reports ......................................................................... Corrections, Department of ...................................................... 22 Regents, Board of .................................................................. 24 Behavioral Health and Developmental Disabilities, Department of..... 28 Juvenile Justice, Department of ................................................ 30 Transportation, Department of .................................................. 32 Community Service Boards ...................................................... 34 Human Services, Department of ................................................ 38 Public Safety, Department of .................................................... 40 Natural Resources, Department of ............................................. 42 Technical College System of Georgia ......................................... 43 Community Health, Department of.............................................. 46 Ports Authority, Georgia .......................................................... 48 Labor, Department of ............................................................ 50 Driver Services, Department of ................................................. 51 Forestry Commission, Georgia ................................................. 52
Appendix Terminology/Acronyms/Abbreviations ......................................... 54
Risk Management Services Staff Contact Information ................................................................ 56

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Overview

Risk Management Services:
A Program Structure that Supports State Business
Risk Management Services (RMS) serves Georgia state agencies and employees by providing insurance coverage, managing and administering claims to ensure appropriate and cost-effective resolution, identifying loss exposures and promoting loss control. Through these efforts, RMS assures good stewardship of state funds and the protection of state assets.
RMS leadership has more than 160 years of insurance industry experience. As an experienced, strong and responsible division of DOAS, the RMS staff is aware of the great responsibility placed upon them to oversee most of the state's risk.

Scope of Services
RMS services include:
Workers' Compensation Property Program Liability Program Unemployment Program Indemnification Program Ancillary Statewide Liability Program

Public-Private Venture Support Insurance and Indemnity Contract Support Comprehensive Loss Control Program (CLCP) Risk Management Advisory Council Risk Financing

Worker's Compensation
The Worker's Compensation (WC) unit of RMS provides benefits to injured employees for covered injuries in a timely and efficient manner. The objective of the program is to meet the requirements of Georgia's WC laws and to meet the customer service requirements of the state entity, the state, and the employee with compensable occupational injuries and illnesses.
WC is a self-funded program supported by a third party administrator. The program provides monetary supplements for absences from work as well as medical care and related services for workers injured on the job. WC is administered through "Georgia Focus," a three tiered approach that ensures the safety, care and recovery of employees.
Tier 1: proactive approach to safety through job hazard analysis, education and corrective actions to hazardous conditions
Tier 2: managed approach to care that involves timely and effective care in the event of an injury
Tier 3: return-to-work approach focuses on the employee's abilities rather than their disabilities, which enables the employee to return to work sooner and within their medical restriction.

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Worker's Compensation continued...
WC also features the following: Covers more than 130,000 state employees in over 160 state agencies, entities, colleges and universities Self-insures the first $4 million per occurrence Handles more than 9,000 claims per year Annual claims costs of more than $70 million
Property
The Property Program protects all of the assets in the state's care, custody and control, from potential budgetary impact resulting from unforeseen losses. Its objective is to provide a means of funding to state entities so as to minimize disruption of operations when a loss occurs, while providing timely and effective claim resolution.
The Property Program is self-funded and provides coverage against damage or destruction of state-owned buildings and other property from various hazards. Its primary functions include claims management, the Primary/Excess Insurance Program and risk management for buildings and contents, terrorism, boiler and machinery, crime (employee dishonesty), money and securities, fine arts, aviation, watercraft and all risk special property.
Building and Contents Program
This program provides all-risk protection for direct damage to real property (buildings) and personal property (contents), damage to data processing equipment, business interruption, extra expense, rental value and contingent business interruption. This program covers more than 16,000 structures, more than 5,000 leased locations and $26 billion in building and content value.
Coverage Limits: The state self-insures the first $3 million in any one occurrence.
Excess Coverage: The state purchases $750 million in catastrophic insurance that includes excess property and terrorism coverage over the self-insured retention (SIR) limit, subject to $3 million per occurrence with a $5 million aggregate deductible. The state also purchases coverage for natural disasters such as flood, earthquake and hurricane events.

Employee Dishonesty
The purpose of this program is to protect the State of Georgia from the dishonest acts of employees or from the failure of employees to faithfully perform their duties. Coverage is provided for public employee dishonesty up to a limit of $50 million.

All Risk Program
The program is designed to insure on a replacement-cost basis unique property exposures that are not insurable under the Building and Contents Program. Claims are handled in-house by the property program specialist. The types of property covered include:
Money and securities against robbery, theft and burglary. Fine arts that include various forms of appraised fine artwork and antiques. Rented or leased equipment. Inland marine that include miscellaneous items of transit.

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Automobile Physical Damage Program
This program provides coverage to protect state owned and leased vehicles and trailers from loss. RMS will reimburse loss to covered vehicles. The per accident deductible is $500, but that deductible is waived for agencies participating in the Comprehensive Loss Control Program (CLCP). This coverage is billed at the rate of 1% of the market value of insured vehicle inventories, with the exception of Georgia State Patrol (GSP) at 2%, at the beginning of the fiscal year. Of the 21,318 vehicles owned by state agencies, authorities, commissions, entities and Community Service Boards at the beginning of FY2011, 10,896 were insured for automobile physical damage.
Liability Program
This program provides financial protection to state entities and employees for third party property damage and/or bodily injury claims. The Liability Program offers coverage to state agencies for third party liability exposures including general liability, automobile liability, and professional liability. It also provides timely and effective claims management and resolution.
Liability functions include coverage determination, investigations, liability assessment, case assessment and claim evaluation, settlement negotiation, litigation management and claim resolution for:
Tort (for state entities under the Georgia Tort Claims Act) General Liability (for state employees) Automobile Liability Professional Liability
Employment Practices Liability
Unemployment Program
DOAS/RMS is responsible for managing the Unemployment Trust Fund. This trust fund is the self-insured mechanism established to pay the unemployment benefits for former state employees. The benefits are established and administered by the Department of Labor. The Department of Labor provides benefits payment data to RMS on a monthly basis and that data is compiled to create an annual experience-based premium that is then collected from all state agencies and universities. RMS contracts with a vendor who tracks state employment separations (terminations and resignations) and unemployment claims and evaluates compensability. The vendor stores separation information, acts as "address of record" for the State, supports agencies who wish to file appeals, and audits bills for unemployment benefit payment reconciliation.
Indemnification Program
This program provides a financial benefit for designated law enforcement officers, firefighters, emergency medical technicians (EMTs), prison guards, and state highway employees who are disabled or killed in the line of duty. The objective of the program is to provide an additional benefit to certain public officers and employees engaged in dangerous activities and assist in their recruitment and retention. The hazards inherent in protecting the public and the low level of state and local death benefits might otherwise discourage qualified individuals from seeking careers in these fields, thus hampering the ability of communities to provide for public safety.
The Indemnification Program is the responsibility of the Indemnification Commission, which is administratively attached to DOAS. The rule-making for the program is subject to the Administrative Procedures Act. The Georgia State Indemnification Commission is composed of:
Governor of Georgia (Chairman) Commissioner of Public Safety Commissioner of Corrections Commissioner of Human Resources Commissioner of Transportation Executive Director of the Peace Officer Standards and Training Council Executive Director of the Georgia Firefighter Standards and Training Council

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Indemnification Program continued...
One law enforcement officer appointed by the Governor from a list of candidates submitted by the Peace Officers Association of Georgia who must also be a member of the association
One firefighter appointed by the Governor from a list of candidates submitted by the Georgia State Firefighter's Association, who must also be a member of the association
Excess Coverage: Fully self-funded
Exposure: State and local law enforcement, firefighters, EMTs, prison guards, state highway employees
Other Programs under the Indemnification Program include:
Supplemental Pay Benefits under the Indemnification Program
Supplemental Pay Benefits is a fully self-funded program that provides statutory benefits to paid or volunteering state, city, and local law enforcement officers and firefighters who are temporarily disabled in the line of duty. Its purpose is to off-set other benefits provided by the employer. It is designed to fill the gap left by workers' compensation and other benefits so that the applicant receives full salary.
Georgia Public School Personnel Indemnification
The Georgia Public School Personnel Indemnification is a fully self-funded program that provides statutory benefits to public school teachers and public school employees killed in the line of duty as a result of workplace violence.
Ancillary Statewide Liability Program
The program assists agencies in obtaining commercial insurance for risks outside the statutory scope of the self insurance programs.
Public-Private Venture Support
RMS provides recommendations on the scope and structure of Board of Regents Foundation insurance programs.
Insurance and Indemnity Contract Support
RMS provides direction on insurance provisions in agency and statewide contracts for acceptability and/or recommends changes.
Comprehensive Loss Control Program (CLCP)
The purpose of the Comprehensive Loss Control Program (CLCP) implemented in 2008, is to recognize, evaluate, and control risks and hazards that lead to losses. The CLCP changes risk management operations so that hazards are eliminated or minimized. It was developed under the principle that when incidents are prevented, state costs are avoided that would otherwise be used for medical expenses, to treat injuries and to cover wages of injured workers. The CLCP is an effective demonstration of proactive management that can mean reduced frequency and severity of losses through anticipation and avoidance of hazards.
DOAS/RMS established incentive programs that include decreased insurance coverage premiums and adjusted claim deductibles and co-pays based upon participation in loss control programs. RMS works with entities covered by the various state insurance programs to implement loss control programs that address their respective identified operational risks.
RMS also serves as an educational resource to state entities covered by the state's self-insurance programs by creating scorecards to effectively communicate important risk exposure and loss experience metrics. The scorecards are benchmarks for covered entities to compare their loss control programs with similar programs and past experience.

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Comprehensive Loss Control Program (CLCP) continued...
The CLCP is comprised of nine basic programs that are customized to each entity's respective operational risks. The first four programs are common to all covered state entities, while the remaining programs are dependent upon the operations performed. Each participating entity has developed a written, specific and comprehensive loss control plan that establishes systems (policies, procedures and practices) to effectively control identified risk exposures. Moreover, all entities have access to a full-time RMS safety/loss control officer, who verifies compliance with the applicable programs. RMS partners with these entities to assist with implementation, benchmarking and measurement in each state entity.
The nine programs include:
1. Employee Education and Training: Given the variety of risk exposures to employees of covered entities, training and education will improve loss control programs. Each entity must establish a written policy for the broadcast of training material to all covered individuals and the verification of compliance thereof. This material will include information on the types and extent of insurance coverage available and other loss control topics. RMS will make training materials available and direct entities to other resources.
2. Employee Accident Prevention Plan: Most injuries to employees are preventable. Each participating entity will create systems for the identification and control of hazards and exposures within their operations.
3. Fidelity Losses (Employee Theft): Theft and misuse of state funds, property and services by employees causes financial loss and impacts their organizational image. Each entity will create systems to maintain property inventories and discipline employees accused of or convicted of stealing or misusing state funds or property.
4. General Liability: Entities will create systems to eliminate or reduce the effect of employment practice claims, such as harassment. This should include an employee handbook containing policies and procedures. Systems will also be created to prevent premises and operations claims, such as third party injuries or vehicle damage from powered equipment.
5. Workers' Compensation: Return to Work transitional duty provides meaningful light duty work for an injured worker until they are fully recovered. State entities must ensure light duty jobs are available for injured workers that are medically capable of working. Supervisors will be trained to develop Georgia Activity Analyses documents to assist with the identification of activities the worker can perform.
6. Property: Maintaining state-owned buildings in proper condition is critical to preventing losses and reducing liability issues. Entities that maintain state-owned buildings should establish systems and resources to ensure that routine inspections and maintenance are performed to correct facility deficiencies. Additionally, such entities must ensure that they have a process for managing changes to existing or new systems, as well as a process for tracking corrective actions and inspection recommendations until completion.
7. Auto Liability and Physical Damage: Employees driving on state business regardless of vehicle ownership (state, personal, rented or leased) are covered for damages caused while operating the vehicle. This program also covers nonprofit agencies and their employees that have contracted with the Department of Juvenile Justice, Department of Transportation, or Department of Human Resources to furnish certain services. State entities will create a motor vehicle use policy and a driver qualification program. Agencies will also participate in the "Report My Driving" program and set up an auto accident review panel.
8. Fleet Management: Entities with state-owned vehicles are expected to be good stewards of state property. DOAS has contracted with Automotive Resources International (ARI) to monitor vehicles for preventive maintenance. ARI also provides resources for vehicle repairs including routine replacement of tires and batteries and repairs from accident damage. State entities are expected to join ARI or provide a similar maintenance program for their fleet. Failure to report state vehicle mileage or repair and maintenance costs, into the state's fleet management system know as VITAL at requested intervals, or the delayed reporting of vehicular accidents, will result in the application of surcharges and higher deductibles.
9. Contractual Risk Transfer: A myriad of supply and service contracts are put in place within nearly every agency to support operations and the achievement of the agency's goals. However, not all of those contracts are created equally. Component 9 will help agency management to craft or adjust contractual language in an appropriate way to avoid the assumption of certain liabilities from contractors and vendors.

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Comprehensive Loss Control Program (CLCP) continued...
Other CLCP features include:
Monthly delivery of claims trend information to state entities Webinars State entity CLCP evaluations On-site visits Risk profiles Innovative training techniques In-person, instructor-led training Online video services with more than 30 videos Annual hurricane-specific training Driver safety training "Report My Driving" bumper stickers and magnets on state vehicles Driver qualification requirements Post-accident review panels

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RISK MANAGEMENT ADVISORY COUNCIL
The DOAS Risk Management Advisory Council (RMAC) Since fall 2006, the Risk Management Advisory Council has worked to assist RMS in carrying out their goal to identify loss exposures and promote safety and loss control throughout the state. More than 28 members collectively represent the interests of Georgia's largest agencies and universities. RMAC remains an excellent communication and educational tool as over 90% of RMS premiums and 90% of the claims rest within participating agencies.
RISK FINANCING
Brokerage Services
Currently DOAS - RMS uses two suppliers as its insurance brokers. The brokers provide services that include: Insurance marketing and assistance The development of relationships within the global insurance market Development of underwriting specifications including terms; conditions, limits and deductibles Excess insurance policy administration Issuance of certificates of insurance
The broker maintains coverage for any actual or alleged error, omission, misstated or misleading statement or the act of negligence or breach of duty in the performance as DOAS/RMS' insurance broker.
Actuarial Services
DOAS/RMS contracts with a consulting actuarial firm to perform analysis of RMS self-insurance funds. The actuarial firm provides recommendations for fund balances based on actual claims experience over the past 25+ years. These recommendations, coupled with the actual ending trust fund balances for each fiscal year provide insight into the actuarial health of each fund.

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Fiscal Year 2010 Achievements

Comprehensive Loss Control Program Implementation

Phase 1 of the implementation, i.e., getting signed agreements from state entities to participate, was 100% completed by September 30, 2009
Workers' Compensation frequency reduction goals for FY2010 were distributed to all participating agencies
Monthly newsletter on loss control topics were distributed to 1,000 risk management state contacts
Ongoing trend analysis
Developed CLCP Component #9--Contractual Risk Transfer by June 30, 2010.
93% of agencies achieved Phase 3 implementation status (had functioning programs in place for all applicable components, excluding number 9) by June 30, 2010.
After implementing the Report My Driving Program and other loss control measures as a part of the CLCP, a 14% reduction in preventable vehicular accidents and an $800,000+ annual savings to Georgia taxpayers were realized. These positive results were highlighted in a two-page article in the May 2010 issue of Government Fleet magazine with a headline on the cover. If the trend continues, the state will avoid at least $1.5 million in losses in FY11 and potentially $5 million in the first five years of the program. As mentioned in Government Fleet magazine, the subcomponents of the CLCP that are related to vehicles are: driver qualification, driver training, agency level accident review panels, vehicle maintenance, vehicle bumper stickers and agency management incentives.
Reduction in statewide Worker's Compensation claim frequency ratio to a low of 4.84% (ratio of injuries to FTEs). The following information is from the PriceWaterhouseCoopers actuarial report as of June 30, 2010.

Accident Period

Average Claim Severity

Claim Frequency

Average Loss Per Employee

7/1/03 6/30/04

$6,183

7.69%

$476

7/1/04 6/30/05

$6,429

7.58%

$487

7/1/05 6/30/06

$7,870

7.26%

$571

7/1/06 6/30/07

$9,286

6.99%

$649

7/1/07 6/30/08

$10,193

6.11%

$623

7/1/08 6/30/09

$10,804

5.61%

$606

7/1/09 6/30/10

$11,722

4.84%

$613

Medical cost and utilization continue to increase with economic inflation. A claims frequency is calculated by dividing the number of compensable claims by the total covered lives in the program.

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Fiscal Year 2010 Achievements

Recovery Unit Established

Continued...

In September 2008, Risk Management Services established the Recovery Unit, a small number of staff focused on recovering claim expenses from third parties that are legally responsible for the incident that resulted in a claim. Previously, the responsibility for such recoveries was a very small part of each adjuster's responsibilities and was not considered a high priority.

The Recovery Unit is responsible for recoveries from "subrogation." Subrogation refers to an insurance company who pursues reimbursement from the person or entity legally responsible for an accident after the insurer has paid out money on behalf of its insured. The general rule is, after paying the claim, RMS becomes "subrogated" to the rights under the state entity's policy and can "step into the entity's shoes" to go after or sue the negligent party on the entity's behalf.

By pursuing at fault-parties who have caused damage to state property or injured state employees, RMS is reducing the total payout on claims. Reducing total payout in turn reduces loss experience and the corresponding experiencebased premiums charged to state agencies. RMS also pursues recovery for uncovered losses on behalf of state agencies upon their request.

Organizational Excellence Leads to Statewide Impact

One Recovery Unit staff person has garnered much attention in recent months because of the lasting impact her work makes on DOAS and the state: Ms. Laura Boutwell-Bordenkecher. A financial operations specialist, Laura began limited recovery work for DOAS several years ago when she developed the policies and procedures to hold prisoners financially accountable for the failure of frivolous lawsuits they had filed against the state. When the dedicated Recovery Unit was established, she was the first member of the new team and subsequently expanded her ideas into a full-time role.

As a result, Laura successfully made financial recoveries, both big and small, despite the skepticism of those who believed that the lack of statutory authority would cause her to fail. She proceeded under common law insurance concepts and pushed for recoveries that she felt were due to be paid back to our state. Her determination paid off: since the recovery unit began just a couple of short years ago, she has personally collected at least $1.36 Million in financial recoveries for Risk Management Services. In prior years, the outsourced vendor performing this function
rarely exceeded $400,000 per year. Laura's exceptional performance led to her receiving the DOAS MVP Award in May 2010.

Perhaps her most noteworthy achievement was taking on criminals whose actions resulted in damage to State Patrol vehicles during high-speed pursuit chases. During these chases, state troopers must resort to "PIT" maneuvers in order to stop fleeing criminals on our roadways. She took a recovery concept and made it an operational reality and she continues to work with judges and prosecutors all over the state to recover damages to our state's assets. This achievement was the subject of a WSB-TV story by Richard Belcher in January of 2010. >> View video at www.wsbtv.com/video/22479809

If imitation is the highest form of flattery, then Laura has been flattered by county and municipal organizations all over the Georgia who have responded to Laura's efforts, which were publicized by the local media. The Association of City and County Governments (ACCG) requested a copy of Laura's procedures as well as some of the sample letters she uses so successfully. Accordingly, the ACCG is now in the recovery business, as well.

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Fiscal Year 2010 Achievements

Workers' Compensation

Continued...

763 fewer claims in FY10 than in FY09 11% fewer claims in FY10 than in FY09 1,000+ employees avoided on the job injuries

General Liability
Goal was to reduce the total pending litigation files by 5% 481 open legal cases reduced to 429 in suit for a 10.8% reduction Absorbed 10% increase in the Attorney General's Office hourly rate Maintained closing ratio of 100%

Auto Liability and Auto Physical Damage
Auto Liability claims down 14% in FY10 over FY09 Auto Physical Damage claims were up 70% and the number of insured vehicles was up 23% in FY10 over FY09
(DPS significantly increased the number of vehicles insured. They make up 12% of total insured vehicles but 40% of claims dollars.) 100% of state vehicles that require Report My Driving stickers have reported that they have stickers 94% of Report My Driving calls lead to safety training and counseling

Property
16% reduction in claims in FY10 over FY09 Reductions due to mild weather and the impact of the CLCP on preventable claims Rolled out Thermography Services Program. Engaged a contractor to perform thermography surveys on the
electrical and mechanical systems of state agency facilities. The surveys assist agencies in identifying problems prior to the catastrophic failure of the facility's infrastructure and significant disruption to an agency's operations. A 10 year study performed by a reputable insurance company has shown that a properly implemented and managed predictive maintenance program can achieve significant efficiencies, specifically a cost avoidance of $4 in repairs/ replacement of damaged equipment for every $1 spent on corrective measures to address identified electrical/ mechanical problems. Cost savings generated by using internal staff to handle field assignments when appropriate
32 x $1250 = $40,000
Goal: Achieve a 15% or greater reserve variance on resolved claims
Measurement of claims performance Equivalent to an ROI calculation: settlements eliminate liabilities FY2010 average at 25.5% Reserve variance is a calculation of the savings generated when claims are settled rather than allowed to continue
with RMS making periodic payments to the claimant over time.

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Fiscal Year 2009 Achievements
Continued...
The following tables and graphs are based on data from the DOAS/RMS claims system. The data used for the claim counts (frequency) by fiscal year shows the number of claims reported during the fiscal period. Claims are counted regardless of whether benefits are approved or denied and regardless of whether benefits were paid during that fiscal year. In addition, please note that unless otherwise specified, the claims resulting from the March and May 2008 tornados are not included because of their uncommon nature.
Goal: Reduce Reported Claims All Lines of Business (LOB) by 6% by June 30, 2010

All Claims Reported FY 2004 - 2010

14,012 13,621 13,222

12,743 11,263 10,165

9,268

FY04 FY05 FY06 FY07 FY08 FY09 FY10
The actual reduction was 8.8%. All Net Paid Claims by Cost per Line of Business
Fiscal Year 2010

Workers Compensation

General Liability

Property

65%

Auto Liability

Auto Physical Damage

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20%
6% 8% 1%
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Statewide Risk Report

Workers' Compensation Trust Fund

$450,000,000 $400,000,000 $350,000,000 $300,000,000 $250,000,000 $200,000,000 $150,000,000 $100,000,000
$50,000,000 $0
FY2003 FY2004 FY2005 FY2006 FY2007 FY2008 FY2009 FY2010

WC Fund Balance Actuarial Fund Need Annual Program Costs Annual Premium Billing

The Workers' Compensation Trust Fund was actuarially sound at the beginning of FY03. Since then, total trust fund expenses have totaled $524.8 million, while premiums paid by covered entities totaled only $213.8 million. The fund is now operating on a cash flow basis rather than an actuarially sound basis.

The Liability Trust Fund was actuarially sound until FY2008. No premiums for General Liability and Auto Liability were charged to state entities from FY02-- FY11. Because of recent budget shortfalls and increased claims activity, RMS will recommend a General Liability and an Auto Liability Premium in FY2012.

$250,000,000 $200,000,000 $150,000,000

Liability Trust Fund
Premium Billing Fund Balance Annual Program Cost Actuarial Projection

$100,000,000

$50,000,000

$0 FY2003 FY2004 FY2005 FY2006 FY2007 FY2008 FY2009 FY2010

The Property Trust Fund is self-correcting rather than actuarially-based. Premiums collected for buildings and contents, All Risk and Auto Physical Damage have been sufficient to pay trust fund expenses.

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Best Practices Observed

Below are state entities with "mature" safety programs or certain "best practices" based on the observation of RMS. These entities have been actively addressing their environmental, health and safety issues and have made substantial efforts to reduce losses to their personnel and facilities.
The Georgia Ports Authority (GPA) , the Department of Transportation (DOT), the Board of Regents (BOR) and the Georgia Forestry Commission (GFC) continue to lead the State of Georgia loss control efforts with mature safety programs in place and staff to support those programs.
Department of Natural Resources (DNR): The Environmental Protection Division Water Protection Laboratory facility in Norcross is a state of the art facility to conduct their laboratory work. Not only was it properly designed, the facility has implemented the proper policies and procedures to protect employees.
Department of Agriculture (DOA): The Tifton Laboratory facility was properly designed for its operations. This lab has also implemented the proper policies and procedures to protect their personnel.
Georgia Department of Corrections (GDC): Over the past few years, a preventive maintenance (PM) program has been implemented throughout all facilities. The program is built around some simple techniques. To start, all facilities and equipment are given unique identifying numbers for tracking. Written PM procedures are created and placed inside equipment along with inspection tags. Each facility maintenance employee is assigned an identifying punch and must open the equipment to punch the inspection tag while also reviewing the PM procedures for the equipment. This process helps to ensure accountability throughout the entire system and demonstrates management's commitment to maintaining the facilities in as good a condition as possible.
In April 2010, GDC's Central Personnel Administration began a project to better identify where employee accidents are occurring. Using an available data field in the DOAS claims handling system, GDC supervisors create a code that can be linked to the accident location (inside or outside the facility) and the activity being performed. For accidents occurring inside the fence, the preventive maintenance codes are used.
Within its revamped warden performance measures, the GDC Commissioner has chosen to add Workers' Compensation measures into the mix that also includes their robust audit process operated by the Office of Investigations and Compliance.
Georgia Ports Authority (GPA): GPA has an excellent hurricane preparedness plan that is tested through real life exercises. This type of state-of-the-art safety and risk management helps to reduce the rates Georgia pays for excess insurance coverage and it helps to expand the amount of excess wind coverage able to Georgia.
Georgia Emergency Management Agency (GEMA): The entire state of Georgia is vulnerable to tropical hurricane-related hazards. GEMA's Georgia Hurricane Plan (2010) establishes the overarching framework for protective actions pertaining to the preparedness, response and initial recovery from hazards related to tropical cyclones. This plan is National Incident Management System (NIMS) and National Response Framework (NRF) compliant.
The RMS Property Program has engaged a contractor to perform thermography surveys on the electrical and mechanical systems in state agency facilities. The surveys assist agencies in identifying problems prior to the catastrophic failure of the facility's infrastructure and significant disruption to an agency's operations. A 10-year study performed by a reputable insurance company has shown that a properly implemented and managed predictive maintenance program can achieve significant efficiencies, specifically a cost avoidance of $4 in repairs/replacement of damaged equipment for every $1 spent on corrective measures to address identified electrical/mechanical problems. Facilities associated with the Georgia World Congress Center Authority (GWCCA), the Department of Behavioral Health and Developmental Disabilities (DBHDD) and the Board of Regents (BOR) have availed themselves of services through this contract in FY10.

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Best Practices Observed

Continued...
The Gwinnett Rockdale Newton (GRN) Community Service Board (CSB) found that the number of patientemployee incidents was on the rise, soon after starting up a new Youth Crisis Stabilization unit in Decatur. An in-depth in-house review of their training methods and processes found a need for changes. Training sessions were moved from the central office to field locations. The training times were also adjusted to allow more staff to attend. The result was a decrease in the number of incidents because staff were recalling and using more of the techniques learned during training in their interactions with patients. Not only did they begin to reduce employee injuries, they also were able to positively impact the quality of patient care.
Falls, slips and trips (FST) continue to be a primary cause of employee accidents. Two completely different agencies have taken steps to effectively eliminate these causes in their food service operations. The University of Georgia and Southwest Regional Hospital utilized their floor care vendors to identify better cleaning products and incorporate better cleaning techniques into their kitchens and food service operations. As a result, these agencies have almost completely eliminated slip incidents. The big secret was a change from acidic floor cleaners to basic/caustic ones. The chemistry involved does a better job of breaking up grease captured inside floor tiles, allowing it to be washed away. Contact your floor care vendor for more information.
The Georgia Forestry Commission (GFC) has a history of promoting Forestry Management and Fire Prevention. Since they have seen the devastation that a fire can bring to a home, safety runs deep in the organization. GFC implemented many policies and procedures a few years ago to protect the safety of their employees. They have an excellent training system for tracking employee training to ensure it is completed annually. The agency uses national standards to guide their training efforts, but have also developed their internal programs to address problem areas. Even with the electronic training system in place, much of the training is "hands on," requiring hours of supervised operation prior to certification. GFC tracks their first aid level injuries used to identify problem areas. GFC has a solid safety program in place and continues to reduce injuries while conducting some high risk outdoor activities such as heavy equipment operation and forest firefighting activities. Over a four year period GFC has cut their injury numbers by more than 50%, with 73 injuries in FY07, 55 in FY08, 47 in FY09, and 30 in FY10. With their safety program and policies in place, the downward trend can be expected to continue.
In FY10, as part of the CLCP, agencies were given Workers' Compensation claim frequency reductions goals by Risk Management Services. The following agencies greatly exceeded their goal.

Reduced preventable claims to 0: Reduced preventable claims by at least 50%:

Reduced preventable claims by at least 25% and are below the statewide ratio of injuries to FTEs:

Darton College

Valdosta State University

Georgia Dept. of Transportation

Teacher's Retirement System

Dept. of Community Affairs

Dept. of Community Health

Dept. of Banking & Finance

Augusta State University

Kennesaw State University

Dept. of Veteran's Services

Clayton Sate University

Dept. of Public Safety

State Accounting Office

Prosecuting Attorney Council Dept. of Education

Georgia Regional Transportation Authority

Avita Community Partners (CSB) State Board of Pardons & Paroles

Woodright Industries, Mental Retar- Dalton State College dation Services Center

Georgia Forestry Commission

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Best Practices Observed
Continued...

Agencies reduced preventable claims by at least Agencies reduced preventable claims by at least

50%:

25% and are below the statewide ratio of injuries to FTEs:

Continued...

Continued...

CSB of Middle Georgia Cobb--Douglas CSB Georgia General Assembly Georgia Public Broadcasting Dept. of Law Ogeechee Behavioral Health Services (CSB) Workers' Compensation Board Atlanta Metropolitan College Ogeechee Technical College South Georgia College Oconee CSB State Personnel Administration Georgia Dome Diversified Enterprises, Mental Retardation Services Center Employee Retirement System Waycross College Skidaway Institute of Oceanography

North Georgia College & State University Georgia Technology Authority Chattahoochee Technical College New Horizons CSB Georgia Military College Georgia Lottery Corporation Pathway Center CSB DeKalb Technical College Georgia Southwestern State University Lookout Mountain CSB Albany Area CSB Technical College System of Georgia, Central Office Middle Flint Behavioral Healthcare, CSB Behavioral Health Services of South Georgia (CSB)
Highland Rivers CSB Bainbridge College Columbus Technical College Gateway Behavioral Health Services (CSB) East Georgia College Okefenokee Technical College

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Best Practices Observed

Reducing Motor Vehicle Accidents in DHS/DBHDD

Following Stephan Covey's principle of focusing on the "Wildly Important Goal" or WIG, the Department of Human Services/Department of Behavioral Health and Developmental Disabilities (DHS/DBHDD) set their WIG "to reduce the number of incidents that may cause death or serious injury to consumers in their care, custody or oversight, by 50%". Their 546 accidents in FY07were chosen as the baseline. By FY10, the number of accidents was down to 111. DHS and DBHDD are working on this goal jointly. All data reported is for DHS and DBHDD combined, even for years prior to FY10.

The number of accidents in FY10 is a 12% reduction from FY09 and an 80% reduction from FY07!
How Did They Do This?
Weekly "cadence" meetings to keep their focus on the WIG
Emphasis on Training Trained local trainers
Training focus guided by data Implementation of Report My Driving
Program Followed up regarding training and corrective actions
Background checks and MVR checks on all drivers
DHS field staff's regular interaction with vehicle operators regarding Accidents Vehicle inspections and site visits Complaint resolution and Driver training
Drivers knew DHS was watching--the Hawthorne effect in action
Quarterly Risk Management newsletter published to all staff Emphasized tips, tricks and training Links to DOAS resources and training
Weekly Cadence Reports with the DHS Commissioner and Leadership Team Reviewed "scorecard"
Summary

DHS & DBHDD Vehicle Accidents

700

600

546

500

400

300

200

100

0

FY07

300

273

126

111

95

FY08

FY09

FY10

Accidents

Goals

DHS & DBHDD FY10 "How's My Driving" Data
FY10 Total Calls Received - 248

Tailgating 2% Other 2%
Illegal Parking 1%

Illegal Passing 2%

Failure to Stop 7%

Illegal Turn < 0%
Speeding 30%

Faulty Equipment
5%
Weaving 10%
Unsafe Lane Change 17%

Failure to Yield 10%

Compliment 8%
Failure to Stay in Lane
6%



Stay Focused on the "Wildly Important Goal" Involve staff at all levels, from the Commissioner to the local office Use data to guide decisions Follow up! Communicate, Communicate, Communicate! Train, Train, Train! Celebrate Success!

Note: All information taken from a presentation of the DHS Office of Facilities and Support Services.

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Agency Risk Reports

Department of Corrections

Premiums Paid for Fiscal Year 2010

Workers' Compensation

$11,903,652

General Liability

$0

Auto Liability

$0

Property

$2,869,797

Auto Physical Damage

$7,137

As the fifth largest prison system in the nation, the Georgia Department of Corrections (GDC) is responsible for 60,000 adults and the supervision of another 150,000 adults on felony probation. The agency handles these responsibilities with more than 15,500 employees.

For the following Agency Risk Reports, note that no workers' compensation (WC) premiums were paid during FY04 - FY05 and that artificially low WC premiums were paid in FY06 and FY07. Also, no premiums were paid for General and Auto Liability for FY0210. See page 15 for statewide information on
premiums compared to total fund expenses from FY04 - FY10.

Workers' Compensation Claims

Frequency

% of

(# of claims)

Statewide

Severity ($ of claims)

% of Statewide

FY 10
FY05-09 Yearly AVG.

1,144 1,522

18% 18%

$16,007,069 $13,217,685

22% 20%

The GDC injury rate in FY2010 was 7.35% compared to the statewide average ratio of 4.84%. The major cause of workers' compensation claims for GDC is falls, slips and trips, followed by the second most frequent and by far the most severe claims for employee's being struck and injured by inmates. Corrections officers hold one of the top three most hazardous occupations of Georgia state employees, along with juvenile corrections officers and health service technicians at state hospitals.

GDC Top Workers' Compensation Causes by Frequency FY10

9% 8%
16% 26%

Fall, slip, trip

41%

Injured by inmate

Strain

Inges tion/inhalation

Injured by object

FY 10 FY05-09 Yearly AVG.

Frequency (# of claims)
244
281

General Liability Claims
% of Statewide
15% 17%

Severity ($ of claims) $3,319,733
$3,288,171

% of Statewide
17%
15%

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Agency Risk Reports Department of Corrections continued...

The bulk of claims made against the Georgia Department of Corrections (GDC) come from prisoners who are required to go through an internal grievance process before filing a lawsuit or claim. Approximately 85% of all GDC General Liability claim dollars are paid to the Attorney General's office for the defense of inmate lawsuits. On average, the State of Georgia pays nearly $15,000 per lawsuit for the Attorney General's office to defend a prisoner's lawsuit through resolution. At any one time over the last five years, approximately 220 lawsuits or nearly 50% of all pending litigation against the State of Georgia involves lawsuits filed by prisoners.
GDC experienced an 8% reduction in reported general claims liability claims compared to FY09 and total claim payments were down $686,000 over FY09.

FY 10
FY05-09 Yearly AVG.

Auto Liability Claims

Frequency

% of

Severity

(# of claims) Statewide ($ of claims)

39

7%

$357,649

85

6%

$416,296

% of Statewide
4%
7%

Auto Liability coverage protects GDC and its employees from claims costs associated with the negligent operation of any vehicle while used to perform job duties. State employee drivers are covered for liability, not the vehicle itself.

Prior to FY11, GDC primarily self-insured its fleet for auto physical damage (APD) and used their inmate training programs to complete some vehicle repairs. Given the low number of vehicles insured for APD, the GDC has had very few claims with RMS in this area. For FY11 GDC has chosen to insure 10 of their 1,960 vehicles.

Property coverage provides state entities the funds to repair or replace state buildings and/or content that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary.

Properties Insured

Number

Buildings

Contents

State Owned

2,129 $2,463,163,512 $317,508,257

Total Value $2,780,671,769

Sq. Ft. 14,043,511

State Leased Other Assets
Total

134 8
2,271 $2,463,163,512

$13,594,486 $2,858,426
$333,961,169

$13,594,486 $2,858,426
$2,797,124,681

699,658 14,743,169

The most frequent cause of property losses at correctional facilities is lightning. It accounts for approximately 75% of all property claims filed by GDC. GDC's high frequency of lightning claims is somewhat attributable to the exposure of their facilities' electronic control systems to the elements.

The five year claim severity yearly average is largely impacted by the May 2, 2005, $4.25 million fire at the Al Burris Correctional Training Center warehouse. The $567,000 increase in claim payments over FY09 is primarily attributable to the February 19, 2009 windstorm damage to Hancock State Prison.

Property Claims

FY 10 FY05-09 Yearly AVG.

Frequency (# of claims)
33
44

% of Statewide
11%
12%

Severity ($ of claims)
$838,088
$1,156,200

% of Statewide
9%
15%

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Agency Risk Reports Board of Regents

Premiums Paid for Fiscal Year 2010

Workers' Compensation

$12,306,518

General Liability

$0

Auto Liability

$0

Property

$13,203,622

Auto Physical Damage

$232,952

The Board of Regents oversees 35 colleges and universities including four research universities, two regional universities, 13 state universities, eight state colleges, and eight two-year colleges. These institutions enroll approximately 283,000 students and employ over 40,000 faculty and staff to provide teaching and related services to students and surrounding communities.

FY 10
FY05-09 Yearly AVG.

Workers' Compensation Claims

Frequency (# of claims)
1,326

% of Statewide
21%

Severity ($ of claims)
$11,714,918

1,784

21%

$10,796,633

% of Statewide
16%
16%

The ratio of workers' compensation injuries to FTEs for FY10 is only 3.4% compared to the statewide average ratio of 4.84%. The major cause of workers' compensation claims for this entity is fall/slip/trip and the second highest cause is being injured by an object.

General Liability Claims

FY 10

Frequency (# of claims)
372

% of Statewide
23%

Severity ($ of claims) $5,703,810

% of Statewide
30%

FY05-09

318

Yearly AVG.

19%

$5,598,398

26%

The Board of Regents (BOR) by their very nature and broad scope of operations encompass general liability claims ranging from minor slip and fall accidents to major medical malpractice events. While BOR accounts for approximately 25% of the general liability claim severity costs in Georgia, the majority of those costs are related to the medical malpractice claims and defense costs paid to handle the lawsuits brought against the Medical College of Georgia. Other member institutions including Georgia Institute of Technology, Georgia State University and the University of Georgia have low claim severity costs given their relative size. Although BOR experienced a 17% increase in reported general claims liability claims compared to FY09, total claim payments were down $788,000 over FY09.

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Agency Risk Reports Board of Regents continued...

Auto Liability coverage protects BOR and its employees from claims costs associated with the negligent operation of any vehicle while used to perform job duties. State employee drivers are covered for liability, not the vehicle itself. BOR's 5 year claim payment average continues to be heavily impacted by a $3M auto claim payment made in FY05.

FY 10
FY05-09 Yearly AVG.

Auto Liability Claims

Frequency

% of

Severity

(# of claims) Statewide ($ of claims)

135

25%

$405,334

213

16%

$1,269,440

% of Statewide
5%
21%

FY 10
FY05-09 Yearly

Auto Physical Damage Claims

Frequency (# of claims)
73

% of Statewide
15%

Severity ($ of claims)
$171,175

77

25%

$168,640

% of Statewide
13%
23%

Only 2,001 BOR vehicles were insured for Auto Physical Damage coverage with RMS for FY10. For FY11, BOR institutions have chosen to insure 3,025 of their 4,017 vehicles.

Property coverage provides agencies the funds to repair or replace state buildings and/or contents lost or damaged due to, but not limited to: fire, lightning, explosion, windstorm or hail, smoke, riot, earth movement, flood, vandalism and burglary.

Properties Insured State Owned State Leased Other Assets Total

Number 3,255 272 464 3,991

Buildings $10,002,451,826
$10,002,451,826

Contents $2,350,722,095
$178,659,193
$2,768,746,311

Total Values $12,353,173,921
$178,659,193 $239,365,023 $12,771,198,137

Sq. Ft. 66,355,167 11,905,745
78,260,912

Reported property claims decreased 9% compared to FY09, however total claim payments increased by $930,000 in FY09. The increase in payments was heavily impacted by two large water damage losses at the Georgia Institute of Technology.

FY 10
FY05-09 Yearly

Property Claims

Frequency (# of claims)
136

% of Statewid
e 46%

Severity ($ of claims)
$2,685,443

177

47%

$4,193,129

% of Statewid
e 30%
55%

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Agency Risk Reports Board of Regents continued...

Top Ten Institutions by Amounts Paid on Claims

The graph for each coverage type displays the amounts paid on claims, regardless of the number of employees. Therefore, the larger institutions are likely to fall into this top ten.

Paid Workers' Compensation Claims FY05 - FY10,

Top 10 Institutions

UGA

$22,851,675

MCG

$8,285,775

GaTECH

$6,461,974

GSU

$4,469,829

GaSouthern VSU UWG FVSU KSU Columbus State

$3,330,239 $2,699,436 $2,189,882 $1,698,270 $1,444,364 $1,264,191
Total Paid All BOR Institutions - $65,718,161

While the graph shows the dollar amounts paid on claims regardless of exposure, the ratio of injuries per 100 FTEs for these institutions in FY10 tells a different story:
FVSU - 4.62% UWG - 4.57% GaSouthern - 4.46% MCG - 4.46% UGA - 4.45% GaTech - 3.61% Columbus State - 3.58% VSU - 2.71% KSU - 1.72% GSU - 1.51%

Paid General Liability Claims FY05 - FY10,

MCG

Top 10 Institutions

$23,102,472

UGA

$3,443,944

GSU

$1,047,834

KSU

$979,764

FVSU

$789,442

GaTECH

$677,081

Savannah State

$603,006

VSU

$497,503

Columbus State $408,510

GCSU

$358,275

Total GL Paid for All BOR Institutions - $33,727,679

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Agency Risk Reports Board of Regents continued...

Paid Auto Liability Claims FY05 - FY10,

Bainbridge College UGA GaTECH

Top 10 Institutions

$642,619

$1,750,437

$3,072,483

VSU

$389,295

GSU

$98,133

MCG

$89,019

Ga Southern

$87,415

GPC

$71,879

FVSU

$67,864

Albany State

$59,043

Total AL Paid All BOR Institutions - $6,755,503

One particular auto incident in FY05 from Bainbridge College, included in this AL graph, resulted in a $3 million claim payment due to a terrible auto accident with four fatalities. Since then, they have had no atfault accidents resulting in bodily injury.

The graph shows the amounts paid (severity) on claims regardless of exposure. The exposure for FY11 (number of vehicles with APD coverage) for these institutions is shown in the legend of the graph--this is not the number of claims filed.
While UGA had the highest total payout, their payout per vehicle was ninth. Kennesaw State was first and Georgia Southern had the least payout per vehicle (based on # insured for FY10).

Paid Auto Physical Damage Claims FY05 - FY10,

Top 10 Institutions

(# of vehicles w ith APD coverage for FY11 is noted in legend)

UGA - 763 GaTECH - 473 KSU - 79 GSU - 100 MCG - 141 GCSU - 94 UWG - 100 VSU - 97 Ga Southern - 247 Bainbridge - 28

$233,536

$76,810 $66,970 $60,281 $41,525 $41,061 $38,839 $33,479 $24,550

$190,571

Total APD Paid All BOR Institutions - $1,014,376

UGA GaTECH GSU ABAC VSU GSSU GaGwinnett Albany State FVSU UWG

Paid Property Claims FY05 - FY10,

Top 10 Institutions
$6,610,346 $1,297,115 $376,236 $289,828 $287,608 $265,045 $200,361 $169,905 $166,345

$12,876,151

Total PR Paid All BOR Institutions - $23,651,090

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27

UGA's total paid claim amount is still heavily attributed to payments made towards the FY04 Main Library and Pharmacy School fire losses. Georgia Tech's increase in claims experience continues to be heavily impacted by several large water damage claims, including two paid in FY10. Georgia Gwinnett College's paid amount still reflects the one water damage loss in FY07, of which DOAS later recovered $250,085 from the third party responsible for the loss.
www.DOAS.ga.gov/risk

Agency Risk Reports

Department of Behavioral Health

and Developmental Disabilities

Premiums Paid for Fiscal Year 2010

Workers' Compensation General Liability
Auto Liability Property Auto Physical Damage

$8,083,685 $0
$0 $844,589
$52,322

The Georgia Department of Behavioral Health & Developmental Disabilities (DBHDD) provides treatment and support services to people with mental illnesses and addictive diseases, and support to people with mental retardation and related developmental disabilities. DBHDD serves people of all ages with the most severe and likely to be long-term conditions.

FY09 was the last year to report on DHR as a consolidated agency. Effective for FY10, the agency was divided into three agencies: the Department of Behavioral Health and Developmental Disabilities, the Department of Community Health, and the Department of Human Services.

FY 10
FY05-09 Yearly AVG.

Workers' Compensation Claims

Frequency (# of claims)

% of Statewide

Severity ($ of claims)

1,023

16%

$10,791,290

1,336

16%

$8,513,091

% of Statewide
15%
13%

DBHDD Top Workers' Compensation Causes by Frequency FY10

9% 15%

16%

60%

Injured by patient Fall, slip, trip Strain Injured by object

The ratio of Workers' Compensation injuries to FTEs for FY10 is 9.48% compared to the statewide average ratio of 4.84%. The major cause of Workers' Compensation claims for this agency is employees being struck and injured by patients. Health Service Technician is one of the top three most hazardous occupations of Georgia state employees along with Juvenile Corrections Officer and Corrections Officer.

FY 10 FY05-09 Yearly AVG.

General Liability Claims

Frequency (# of claims)
33

% of Statewide
2%

21

1%

Severity ($ of claims) $1,156,918
$1,569,884

% of Statewide
6%
7%

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Agency Risk Reports Department of Behavioral Health continued...

The general liability claim experience represents claims brought primarily against state hospital operations. The severity figures also include the cost of defending these claims.

Auto Liability coverage protects DBHDD and its employees from claims costs associated with the negligent operation of any vehicle while used to perform job duties. State employee drivers are covered for liability, not the vehicle itself.

Auto Liability Claims

Frequency

% of

Severity

(# of claims) Statewide ($ of claims)

% of Statewide

FY 10

34

FY05-09

40

Yearly AVG.

6%

$300,083

4%

3%

$85,423

1%

FY 10 FY05-09 Yearly AVG.

Auto Physical Damage Claims

Frequency (# of claims)
8 7

% of Statewide
2% 2%

Severity ($ of claims)
$4,758 $20,295

% of Statewide
<1% 3%

DBHDD has insured 909 of their 1,009 vehicles for Auto Physical Damage coverage for FY11. In FY08, CSB's took direct responsibility for their vehicles from DHR.

Property coverage provides agencies the funds to repair or replace state buildings and/or the contents that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary.

Properties Insured

Number

Buildings

Contents

Total Value

Sq. Ft.

State Owned

523 $661,511,348 $164,962,736 $826,474,084

5,436,710

State Leased Other Assets
Total

73

$2,410,339

$2,410,339

23

$10,.691,000

$10,691,000

619 $661,511,348 $178,064,074 $839,575,422

207,119 5,643,829

With the exception of the February 18, 2009, $5,190,000+ storm damage claim suffered at the Southwest State Hospital campus, the agency's average claim severity over the last five years has been low relative to their total property values exposed to loss. Property claim frequency has also been favorable (low) relative to other agencies included in this report.

FY 10
FY05-09 Yearly AVG.

Property Claims

Frequency

% of

Severity

(# of claims) Statewide ($ of claims)

4

1%

$4,278,6904

2

<1%

$182,736

% of Statewide
48% 2%

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Agency Risk Reports

Department of Juvenile Justice

Premiums Paid for FY10

Workers' Compensation General Liability

$4,446,925 $0

Auto Liability

$0

Property

$491,580

Auto Physical Damage

$17,750

The Department of Juvenile Justice (DJJ) provides supervision, detention and a wide range of treatment and educational services for youths referred to the Department by the Juvenile Courts. The Department also provides assistance or delinquency prevention services for at-risk youths through collaborative efforts with other public, private and community entities.
DJJ has a staff of more than 4,700 employees managing programs and services in more than 460 facilities throughout the state. More than 52,000 youths are served annually, including youths placed on probation, sentenced to short-term incarceration, or committed into the Department's custody by Juvenile Courts.

FY 10
FY05-09 Yearly AVG.

Workers' Compensation Claims

Frequency (# of claims)
732

% of Statewide
12%

Severity ($ of claims) $7,774,386

790

9%

$5,258,884

% of Statewide
11%
8%

DJJ's 15.42% workers' compensation ratio of injuries to FTEs for FY09 is more than three times the statewide average ratio of 4.84% and more than twice as high as the Department of Corrections. The major cause of their workers' compensation claims is employees being injured by inmates. These type of claims are only the second highest for the Department of Corrections. The three most hazardous occupations of Georgia state employees are juvenile corrections officer, health service technician and correctional officer.

DJJ Top Workers' Compensation Causes by Frequency FY10

8% 8% 22%

62%

Injured by inm ate Fall, slip, trip Strain Injured by object

FY 10

Frequency (# of claims)
5

General Liability Claims % of
Statewide 0%

Severity ($ of claims)
$878,341

% of Statewide
5%

FY05-09

11

Yearly AVG.

1%

$487,994

2%

A large payout on a single DJJ claim accounted for 80% of the total general liability claim payments made in FY10. Approximately 1 in 5 claims filed against DJJ involve employment practice allegations brought by prospective, current and former employees.

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Agency Risk Reports

Department of Juvenile Justice continued...
Exposure definitions from the current General Liability Agreement that may apply to this state entity include the following:
Health care, medical care, or treatment provided to any individual, including psychiatric, mental health, nursing, or other professional health care;
The furnishing or dispensing of medications, drugs, psychiatric supplies, equipment, or appliances in connection with such care;
The furnishing or dispensing of food or beverages in connection with such care; and The providing of counseling or other social services in connection with such care.

Auto Liability Claims

FY 10
FY05-09 Yearly AVG.

Frequency (# of claims)
3
19

% of Statewide
1%
1%

Severity ($ of claims)
$72,186
$60,671

% of Statewide
1%
1%

Auto Liability coverage protects DJJ and its employees from claims costs associated with the negligent operation of any vehicle while used to perform job duties. State employee drivers are covered for liability, not the vehicle itself.

DJJ has insured 282 of their 294 vehicles for auto physical damage coverage with Risk Management Services for FY11. This agency sometimes uses their youth training programs to do some vehicle repairs.

FY 10
FY05-09 Yearly

Auto Physical Damage Claims

Frequency (# of claims)
15

% of Statewide
3%

Severity ($ of claims)
$20,454

9

3%

$14,347

% of Statewide
2%
2%

Properties Insured State Owned
Leased Facilities Total

Number 337 107 444

Buildings $358,698,462
$358,698,462

Contents $20,586,521 $12,985,029 $33,571,550

Total Values $379,284,983 $12,985,029 $392,270,012

Sq. Ft. 2,267,117
429,413 2,696,530

Property coverage provides state entities the funds to repair or replace state buildings and/or contents that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary.

Frequency (# of claims)

Property Claims
% of Statewide

Severity ($ of claims)

% of Statewide

FY 10
FY05-09 Yearly AVG.

11

4%

$22,511

<1%

25

7%

$51,944

1%

Reported property claims decreased over 60% compared to FY09 and much of this decrease can be attributed to a large reduction in reported lightning claims.

DOAS Risk Management Services

31

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Agency Risk Reports Department of Transportation

The Georgia Department of Transportation (GDOT) plans, constructs, and maintains Georgia's network of highways and bridges, while providing planning and financial support for other transportation systems ranging from airports to mass transit and bicycle trails. GDOT is overseen by a state transportation board that includes representatives from each of Georgia's congressional districts. Based in downtown Atlanta, GDOT also operates seven district offices located in Cartersville, Chamblee, Gainesville, Jesup, Tennille, Thomaston, and Tifton. GDOT has approximately 6,100 employees.

Premiums Paid for Fiscal Year 2010

Workers' Compensation

$4,721,098

General Liability

$0

Auto Liability

$0

Property

$428,108

Auto Physical Damage

$131,038

FY 10
FY05-09 Yearly AVG.

Workers' Compensation Claims

Frequency (# of claims)
289

% of Statewide
5%

Severity ($ of claims)
$5,445,624

459

5%

$5,578,494

% of Statewide
7%
8%

The ratio of Workers' Compensation injuries to FTEs for FY10 is 4.74% compared to the statewide average ratio of 4.84. In FY09 it was 1.55% higher than the statewide average ratio. The major causes of workers' compensation claims for this agency are from strains and being injured by an object.

FY 10
FY05-09 Yearly AVG.

General Liability Claims

Frequency (# of
claims) 526

% of Statewide
32%

Severity ($ of
claims) $4,158,614

508

30%

$6,294,431

% of Statewide
22% 29%

The broad exposure of GDOT operations to the public naturally exposes them to a greater number of liability claims than any other state agency, via their responsibility to construct, manage and maintain over 18,000 miles of state roadways.

Although DOT experienced a 20% increase in reported general claims liability claims (mostly attributed to road maintenance) compared to FY09, total claim payments were down approximately $4,400,000 over FY09.

DOAS Risk Management Services

32

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Agency Risk Reports Department of Transportation continued...

FY 10
FY05-09 Yearly

Auto Liability Claims

Frequency (# of claims)
65

% of Statewide
12%

Severity ($ of claims)
$329,777

203

15%

$798,870

% of Statewide
4%
13%

Auto Liability coverage protects DOT and its employees from claims costs associated with the negligent operation of any vehicle while used to perform job duties. State employee drivers are covered for liability, not the vehicle itself.

Reported auto liability claims have decreased 25% compared to FY09. Given the large size of the DOT fleet, this reduction in claims is reflective of DOT's active participation in the Auto component of the CLCP Program.

FY 10
FY05-09 Yearly

Auto Physical Damage Claims

Frequency (# of
claims)
6

% of Statewid
e
1%

Severity ($ of claims)
$229,930

% of Statewide
18%

13

4%

$64,646

9%

DOT has only 406 of their 4,121 vehicles insured for auto physical damage coverage with Risk Management Services in FY11.

Properties Insured State Owned State Leased Other Assets Total

Number 1,217 1 4 1,222

Buildings $337,348,016
$337,348,016

Contents $85,093,932
$0 $4,799,162 $89,893,094

Total Values $418,608,382 $0 $4,799,162 $427,241,110

Sq. Ft. 3,578,983
282,347
3,861,330

Property coverage provides state entities the funds to repair or replace state buildings and/or contents that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary.

Property Claims

FY 10

Frequency (# of claims)
2

% of Statewide
1%

Severity ($ of claims)
$635

% of Statewide
<1%

FY05-09 Yearly AVG.

4

1%

$4,423

<1%

DOAS Risk Management Services

33

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Agency Risk Reports Community Service Boards

Premiums Paid for FY10

Workers' Compensation

$4,571,273

General Liability

$0

Auto Liability

$0

Property

$156,398

Auto Physical Damage

$138,735

Community Service Boards (CSBs) are public, not for profit, agencies created by state law to provide mental health, developmental disabilities, and addictive diseases services. While they are stand alone entities, for the purposes of this report, they are grouped together. As a group, they have more than 6,800 employees.

CSB staff are primarily exposed to comfortable working conditions indoors. Many service providers also participate in transportation services exposing them to vehicular hazards and assisting consumers with entering and exiting the vehicle. The ratio of workers' compensation injuries to FTEs for FY10 is 4.66% compared to the statewide average ratio of 4.84. The major causes of workers' compensation claims for CSBs as a whole are falls, slips and trips and employees being struck and injured by CSB consumers (patients).

FY 10
FY05-09 Yearly AVG.

Workers' Compensation Claims

Frequency (# of claims)

% of Statewide

Severity ($ of claims)

319

5%

$4,403,853

517

6%

$4,988,000

% of Statewide
6%
7%

Exposure definitions from the current General Liability Agreement that may apply to these state entities include the following:

Health care, medical care, or treatment provided to any individual, including psychiatric, mental health, nursing, or other professional health care;
The furnishing or dispensing of medications, drugs, psychiatric supplies, equipment, or appliances in connection with such care;
The furnishing or dispensing of food or beverages in connection with such care; and The providing of counseling or other social services in connection with such care.

FY 10
FY05-09 Yearly AVG.

Frequency (# of claims)
29
26

General Liability Claims
% of Statewide
2%
2%

Severity ($ of claims)
$158,708
$472,697

% of Statewide
1%
2%

An increase in reported claims FY10 compared to FY09 can be partly attributed to an increase in employment & medical malpractice related incidents.

DOAS Risk Management Services

34

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Agency Risk Reports Community Service Boards continued...

The CSBs operate approximately 1,902 state owned vehicles. Most of their vehicles are involved in the on-road transportation of consumers and include many passenger vans and some small buses. Some are also equipped with lifts to facilitate use by consumers with mobility impairment devices such as walkers and wheelchairs. Vehicles are not allowed to be used for personal purposes. Drivers must meet mandated CSB policy requirements prior to operating a vehicle on state business.

FY 10
FY05-09 Yearly AVG.

Auto Liability Claims

Frequency

% of

Severity

(# of claims) Statewide ($ of claims)

78

14%

$1,471,372

213

16%

$924,624

% of Statewide
18%
15%

Auto Liability coverage protects CSBs' and their employees from claims costs associated with the negligent operation of any vehicle while used to perform job duties. State employee drivers are covered for liability, not the vehicle itself.

1,808 of their 1,869 vehicles are insured for Auto Physical Damage coverage for FY11. Approximately 3% of CSB vehicles insured for auto physical damage reported a claim in FY10. This compares favorably relative to other state agencies. Total claim payments decreased 14% compared to FY09. However, prior to FY2009, most CSB vehicles were owned by DHR.

FY 10
FY05-09 Yearly AVG.

Auto Physical Damage Claims

Frequency

% of

Severity

(# of claims) Statewide ($ of claims)

56

12%

$131,273

16

5%

$37,779

% of Statewide
10%
5%

Properties Insured Number

Buildings

Contents

Total Values

Sq. Ft.

State Owned

613

$60,720,953

$67,227,230

$127,948,183

2,062,595

State Leased

96

$2,496,622

$2,496,622

445,078

Other Assets

50

$102,807

$102,807

Total

759

$60,720,953

$69,826,659

$130,547,612

2,507,673

Property coverage provides state entities the funds to repair or replace state buildings and/or contents that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary. Some CSBs have chosen to privately insure their facilities at a much higher cost.

FY 10 FY05-09 Yearly AVG.

Frequency (# of claims)
11 4

Property Claims % of
Statewide
4% 1%

Severity ($ of claims)
$5,152 $315,941

% of Statewide
<1% 4%

Property claims frequencies have been relatively low year-over-year. Their five year claim severity payment average is still heavily skewed by a more than $1,448,000 crime loss paid in FY05 as a result of a dishonest CSB employee, who worked in collusion with a supplier and other outside parties. Many of the involved parties were charged, convicted and incarcerated. Through the end of FY10, DOAS has recovered approximately $385,000 so far from the guilty parties. Loss data excludes damages caused in the March 14 and May 11, 2008 tornados.

DOAS Risk Management Services

35

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Agency Risk Reports Community Service Boards continued...
Top CSBs by Amounts Paid on Claims
The graph under each coverage type displays the amounts paid on claims, regardless of exposure. Larger CSBs are likely to fall into this top ten.

Paid Workers' Compensation Claims FY05 - FY10,

Avita

Top 10 CSBs

$2,721,672

Gateway

$2,606,595

GRN

$2,424,760

Satilla

$2,210,761

Pineland

$1,872,535

Dekalb

$1,684,741

Cobb Clayton River Edge Middle Ga.

$1,598,691 $1,390,531 $1,345,371 $1,264,070 Total WC Paid All CSBs - $29,346,262

While this graph shows the amounts paid on claims regardless of exposure, the ratio of injuries per 100 employees for these CSBs in FY10 shows a different order:
River Edge - 9.60% Pineland - 9.11% GRN - 8.51% Gateway 5.66% Satilla - 3.82% Avita - 3.64% DeKalb - 3.47% Clayton - 3.31% Middle Ga. -2.89% Cobb - 1.54%

More than 85%, or $400,000, of the $466,455 shown for Lookout Mountain was paid on a claim resolved in FY09. More than $200,000 of the amount shown for Serenity BHS represents litigation expenses for the successful defense of an ADA lawsuit brought by a former employee. More than $170,000 of the amount shown for GRN represents litigation expenses for the successful defense of a lawsuit involving a fatality.

Paid General Liability Claims FY05 - FY10,

Lookout Mt. Serenity BHS

Top 10 CSBs

$468,076 $264,325

Ga Pines

$264,113

Satilla

$188,057

GRN

$180,128

Tidelands Middle Ga. Advantage BHS (Hghlnd Rivers) New Horizons

$153,117 $148,668 $126,853 $104,885 $91,390 Total GL Paid All CSBs - $2,522,191

DOAS Risk Management Services

36

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Agency Risk Reports Community Service Boards continued...

Paid Auto Liability Claims FY05 - FY10,

Middle Flint

Top 10 CSBs

$1,091,130

Satilla River Edge

$959,472 $830,776

New Horizons

$747,969

Clayton

$400,890

Avita

$288,015

GRN

$237,091

Cobb Advantage Dekalb

$214,364 $186,895 $166,955

Total AL Paid All CSBs - $6,099,173

The top 3 agencies each had a single claim account for more than two-thirds of their total payout.

The graph shows the amounts paid (severity) on claims regardless of exposure. The exposure for FY11 (# of vehicles with APD coverage) for these institutions is shown in the legend of the graph. This is not the number of claims filed.

Paid Auto Physical Damage Claim FY05 - FY10, Top 10 CSBs

(# of vehicles w ith APD coverage for FY11 is noted in legend)

New Horizons - 74 Advantage - 132 Serenity BHS - 75 BHS of S. Ga. - 74 Lookout Mt. - 124 Middle Ga. - 94

$40,315 $32,576 $25,364 $21,505 $20,014 $18,565

Pineland - 126

$18,524

Cobb Douglas - 86

$18,228

GRN - 93

$16,779

McIntosh Trail - 51

$15,403

Total APD Paid All CSBs - $312,939

Paid Property Claims FY05 - FY10, CSBs

Serenity BHS Albany Phoenix Center Highland Rivers Gateway River Edge

$44,721 $3,674 $2,861 $794 $684

$1,509,156

New Horizons

$184

Total PR Paid All CSBs - $1,554,751

Serenity BHS claim experience is due to one crime loss paid out in FY05. As illustrated in the chart, many of the CSBs have not reported any property losses over the last six fiscal years (data excludes the 2008 tornado claims).

DOAS Risk Management Services

37

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Agency Risk Reports Department of Human Services

DHS is the new structure of the former Georgia Department of Human Resources. Their mission is to provide Georgia with customer-focused human services that promote child and adult protection, child welfare, stronger families and selfsufficiency. DHS includes the Division of Family and Children Services (DFCS) the Division of Aging Services (DAS), the Office of Child Support Services (OCSS), the Office of Residential Child Care (RCC) and support offices.

FY 10
FY05-09 Yearly AVG.

Workers' Compensation Claims

Frequency (# of claims)
231
359

% of Statewide
4%
4%

Severity ($ of claims)
$2,238,698
$2,682,508

% of Statewide
3%
4%

Premiums Paid for Fiscal Year 2010

Workers' Compensation

$2,609,345

General Liability

$0

Auto Liability

$0

Property Auto Physical Damage

$99,601 $5,881

The ratio of Workers' Compensation injuries to FTEs for FY10 is 2.52% compared to the statewide average ratio of 4.84%. The major cause of Workers' Compensation claims for this agency is falls, slips and trips and motor vehicle collisions.

FY 10 FY05-09 Yearly AVG.

General Liability Claims

Frequency (# of claims)
44

% of Statewide
3%

52

3%

Severity ($ of claims)
$375,797
$1,250,833

% of Statewide
2%
6%

DOAS Risk Management Services

38

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Agency Risk Reports Department of Human Services continued...

The general liability claim experience on the previous page represents claims brought against a variety of DHS entities, including all County Department of Family and Children Services operations such as foster care. The high five year average claim payment amount shown for DHS was heavily impacted by a few catastrophic claims involving foster children. However, in FY10 the total claim payment amount is 70% less than the average for the previous five years.

Auto Liability coverage protects DHS and their employees from claims costs associated with the negligent operation of any vehicle while used to perform job duties. State employee drivers are covered for liability, not the vehicle itself. FY10 includes one claim settled for $400,000.

Auto Liability Claims

Frequency

% of

Severity

% of

(# of claims) Statewide ($ of claims) Statewide

FY 10

32

FY05-09

106

Yearly AVG.

6%

$713,187

9%

8%

$433,734

7%

FY 10 FY05-09 Yearly AVG.

Auto Physical Damage Claims

Frequency (# of claims)
7 57

% of Statewide
1% 18%

Severity ($ of claims)
$9,113 $135,812

% of Statewide
1% 19%

DHS has insured 178 of their 231 vehicles for Auto Physical Damage coverage for FY11.

Property coverage provides agencies the funds to repair or replace state buildings and/or the contents that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary.

Properties Insured State Owned State Leased Total

Number
311 311

Buildings

Contents

Total Value

Sq. Ft.

$56,993,276 $56,993,276

$56,993,276 $56,993,276

3,670,920 3,670,920

DHS property claim frequency over the past six years has been very favorable (low) relative to other agencies included in this report.

FY 10
FY05-09 Yearly

Property Claims

Frequency

% of

Severity

(# of claims) Statewide ($ of claims)

1

0%

$125,540

4

1%

$44,573

% of Statewide
1% 1%

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Agency Risk Reports Department of Public Safety

The Georgia Department of Public Safety was created in 1937 and oversees the day-to-day operation of the Georgia State Patrol (GSP), Capitol Police and the Motor Carrier Compliance Division (MCCD). GSP troopers investigate traffic crashes and enforce traffic and criminal laws on the state's roads. Capitol police officers prevent and detect criminal acts, and enforce traffic regulations throughout Capitol Hill. MCCD officers conduct safety inspections of commercial motor vehicles and inspect highway shipments of hazardous materials. The entity has over 1,400 employees.

Premiums Paid for FY10

Worker's Compensation

$2,302,333

General Liability

$0

Auto Liability

$0

Property

$253,433

Auto Physical Damage

$124,234

FY 10
FY05-09 Yearly AVG.

Worker's Compensation Claims

Frequency (# of claims)
92

% of Statewide
1%

Severity ($ of claims) $1,916,632

170

2%

$2,831,682

% of Statewide
3%
4%

DPS Top Workers' Compensation Causes by Frequency FY10

13% 19%
19%

28% 21%

Strain Motor vehicle accident Injured by suspect Fall, slip, trip Injured by object

The ratio of workers' compensation injuries to FTEs for FY10 is 6.16% compared to the statewide average ratio of 4.84%. The major cause of workers' compensation claims for this state entity is strains. Motor vehicle collisions are the second highest cause of these claims.

FY 10
FY05-09 Yearly AVG.

Frequency (# of claims)
10
13

General Liability Claims
% of Statewide
1%
1%

Severity ($ of claims)
$618,166
$183,548

% of Statewide
3%
1%

Although total claim payments increased 94% compared to FY09, one DPS Employment Practices claim settled in FY10 accounted for approximately 50% of the total claim payments for the year.

DOAS Risk Management Services

40

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Agency Risk Reports

Department of Public Safety continued...

FY 10
FY05-09 Yearly AVG.

Auto Liability Claims

Frequency

% of

(# of claims) Statewide

63

12%

Severity ($ of claims) $1,328,093

123

9%

$319,871

% of Statewide
16%
5%

Auto Liability coverage protects DPS and its employees from claims costs associated with the negligent operation of any vehicle while used to perform job duties. State employee drivers are covered for liability, not the vehicle itself.

The increase in claim severity in FY09 is due to recent court decisions that have exposed the State to claims of which we were previously immune.

DPS has insured 1,294 of their 1,409 vehicles for Auto Physical Damage coverage for FY11. DPS did not begin insuring most of their fleet with Risk Management Services until February 2009.

FY 10
FY05-09 Yearly AVG.

Auto Physical Damage Claims

Frequency (# of claims)
221

% of Statewide
47%

Severity ($ of claims)
$565,915

14

5%

$40,560

% of Statewide
43%
6%

In mid FY09, the Department of Public Safety enrolled all their vehicles into the ARI maintenance program for the first time and has greatly increased the number of their vehicles with APD coverage. This is the main reason for the tremendous increase in their number of APD claims in FY10.

Properties Insured State Owned State Leased Other Assets Total

Number 122 91 145 358

Buildings $167,029,579
$167,029,579

Contents $43,230,130
$1,829,769 $7,636,028 $52,695,927

Total Values $210,259,709 $1,829,769 $7,636,028 $219,725,506

Sq. Ft. 902,803 180,595
1,083,398

Property coverage provides state entities the funds to repair or replace state buildings and/or contents that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary.

FY 10
FY05-09 Yearly AVG.

Frequency (# of claims)
13 12

Property Claims % of
Statewide
4% 3%

Severity ($ of claims)
$61,631 $267,883

% of Statewide
1% 4%

Reported property claims decreased over 25% compared to FY09 and much of this decrease can be attributed to a reduction in reported lightning claims. One large fire at their Atlanta garage facility in FY04 accounts for 85% of the DPS five-year claim payment average.

DOAS Risk Management Services

41

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Agency Risk Reports Department of Natural Resources

Premiums Paid for FY10

Workers' Compensation

$1,718,046

General Liability

$0

Auto Liability

$0

Property

$793,8737

Auto Physical Damage

$87

The Department of Natural Resources has statewide responsibilities to manage and conserve Georgia's natural and cultural resources. Most of this work is conducted by DNR's six operating divisions which include: Coastal Resources Division, Environmental Protection Division, Historic Preservation Division, Pollution Prevention Assistance Division, Parks, Recreation and Historic Sites Division and Wildlife Resources Division. The agency has over 2,800 employees.

There were 123 WC claims experienced by DNR in FY10 which totaled 2% of those experienced by all covered entities. The average number experienced by DNR annually over the previous five years was 204, which was 2% of the number of claims experienced by all covered entities. In FY10, $1,554,183 was paid for DNR WC claims or 2% of all claims for all covered entities. The average amount of paid claims experienced by DNR annually over the previous five years was $1,514,432, which was 2% of the paid claims for all covered entities. The ratio of workers' compensation injuries to FTEs for FY10 is 4.34% compared to the statewide average ratio of 4.84%. The major cause of workers' compensation claims for this agency is from falls, slips and trips, while the second highest cause is from being injured by an object.
There were 48 general liability (GL) claims experienced by DNR in FY10, which was 3% of the number experienced by all covered entities. The average number of GL claims experienced by DNR annually over the previous 5 years was 39, which was 2% of the total statewide GL claims. In FY10, paid GL claims for DNR were $85,310 or <1% of the amount of paid claims for all covered entities. The average amount of paid claims experienced by DNR annually over the previous five years was $127,677, which was 1% of the amount of paid claims for all covered entities.
There were 11 auto liability (AL) claims experienced by DNR in FY10, which was 2% of the number experienced by all covered entities. The average number of AL claims experienced by DNR annually over the previous five years was 39, which was 3% of the number of AL claims experienced by all covered entities. In FY10, paid AL claims for DNR were $65,580, or 1% of the paid claims for all covered entities. The average amount of paid claims experienced by DNR annually over the previous five years was $204,802, which was 3% of the paid claims for all covered entities.
There was one auto physical damage (APD) claim experienced by DNR in FY10. While DNR insured only one vehicle in FY10, 141 of their 1,426 vehicles have been insured for FY11 for auto physical damage coverage with Risk Management Services. The average amount of claims experienced by DNR annually over the previous 5 years was $0.
Property coverage provides state entities the funds to repair or replace state buildings and/or content that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary. There were 8 property (PR) claims experienced by DNR in FY10 which was 3% of the number experienced by all covered entities. The average number of PR claims experienced by DNR annually over the previous five years was 17, which was 4% of the number of PR claims experienced by all covered entities. In FY10, paid PR claims for DNR were $162,587, or 2% of the paid claims for all covered entities. The average amount of paid claims experienced by DNR annually over the previous five years was $215,048, or 3% of the paid claims for all covered entities.

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42

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Agency Risk Reports

Technical College System of Georgia

Premiums Paid for FY10

Workers' Compensation

$1,508,424

General Liability

$0

Auto Liability

$0

Property

$1,970,803

The Technical College System of Georgia (TCSG) oversees the state's technical colleges, adult literacy programs, and many economic and workforce development programs. As a group, the agency has more than 5,600 employees.

Auto Physical Damage

$68,172

The ratio of workers' compensation injuries to FTEs for FY10 is only 2.85% compared to the statewide average ratio of 4.84%. The major cause of workers' compensation claims for this agency are from falls, slips and trips and strains.

FY 10 FY05-09 Yearly AVG.

Workers' Compensation Claims

Frequency

% of

Severity

(# of claims) Statewide ($ of claims)

161

3%

$1,874,242

181

2%

$1,168,916

% of Statewide
3%
2%

FY 10 FY05-09

General Liability Claims

Frequency

% of

Severity

(# of claims) Statewide ($ of claims)

15

1%

$169,366

24

1%

$282,785

% of Statewide
1%
1%

Total claim payments have decreased 43% compared to FY09, and TCSG's five year average total payments has also decreased by 19% compared to the five year average reported in FY09.

Yearly AVG.

Auto Liability coverage protects TCSG and its employees from claims costs associated with the negligent operation of any vehicle while used to perform job duties. State employee drivers are covered for liability, not the vehicle.

FY 10
FY05-09 Yearly AVG.

Auto Liability Claims

Frequency

% of

Severity

(# of

Statewide

($ of

claims)

claims)

6

1%

$32,752

23

2%

$57,927

% of Statewide
<1% 1%

FY 10
FY05-09 Yearly AVG.

Auto Physical Damage Claims

Frequency

% of

Severity

(# of claims) Statewide ($ of claims)

12

3%

$36,475

10

3%

$42,648

% of Statewide
3% 6%

TCSG has insured 927 of their 1,055 vehicles for auto physical damage coverage with Risk Management Services for FY11. This is a large increase over FY10.

Properties Insured Number

Buildings

Contents

Total Values

State Owned State Leased Other Assets
Total

475 $1,718,176,351 70
142 687 $1,718,176,351

$437,007,845 $16,554,341 $21,044,802
$474,606,988

$2,155,184,196 $16,554,341 $21,044,802
$2,192,783,339

Property coverage provides state entities the funds to repair or replace state buildings and/or contents that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary.

FY 10
FY05-09 Yearly AVG.

Property Claims

Frequency

% of

Severity

(# of claims) Statewide ($ of claims)

8

3%

$299,477

19

5%

$147,366

Sq. Ft. 10,019,901
665,957
10,685,858
% of Statewide
3% 2%

DOAS Risk Management Services

43

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Agency Risk Reports Technical College System of Georgia continued...

Top Ten Technical Colleges by Amounts Paid on Claims
The graph under each coverage type displays the amounts paid on claims, regardless of exposure. Larger colleges are likely to fall into this top ten.

Paid Workers' Compensation Claims FY05 -

FY10, Top 10 Tech Colleges
Columbus Tech

Okefenokee Tech Gwinnett Tech Chattahoochee Tech Albany Tech

$533,577 $415,627 $396,906 $347,104

$799,852

Central Ga. Tech

$308,739

East Central Tech

$274,370

Lanier Tech

$234,890

N. Ga. Tech S. Cresent Tech

$234,858 $233,485 Total WC Paid All TCSG Colleges - $5,846,027

While the WC graph shows the amounts paid (severity) on claims regardless of exposure (FTEs), the ratio of injuries (frequency) to FTEs for these institutions for FY09 shows a different order: Lanier Tech - 5.08% Gwinnett Tech - 4.47% N. Ga. Tech- 2.63% Okefenokee Tech - 2.50% Albany Tech - 2.38% East Central Tech - 2.22% Southern Crescent - 2.01% Central Ga. Tech - 1.63% Chattahoochee Tech - 1.61% Columbus Tech - 1.11%

About 30% of claims filed against a TCSG institution involve an alleged slip and fall on the premises. About 10% are employment practices claims brought by prospective, current or former employees, while a smaller percentage of claims involve damage to non-owned vehicles in a TCSG institution's care, custody or control.

Paid General Liability Claims FY05 - FY10,

Top 10 Tech Colleges

Ogeechee Tech

$293,393

Southeastern Tech

$290,550

Central Ga. Tech

$224,605

Chattahoochee Tech

$114,517

Athens Tech

$64,163

Altamaha Tech

$60,750

Ga. NW Tech

$55,668

Albany Tech

$54,763

Savannah Tech

$36,591

SW Ga. Tech

$29,117

Total GL Paid All TCSG Colleges

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Paid Auto Liability Claims FY05 - FY10,

Swainsboro Tech Dekalb Tech Heart of Ga. Tech Augusta Tech

Top 10 Tech Colleges
$34,859 $22,766 $16,959

$72,908

West Ga. Tech

$13,575

North Metro Tech

$12,350

Moultrie Tech

$10,674

Lanier Tech Southeastern Tech S. Cresent Tech

$9,890 $8,824 $7,768

Total AL Paid All TCSG Colleges - $289,633

During the period, TCSG as a whole has had relatively few auto liability claims.

The graph shows the amounts paid (severity) on claims regardless of exposure. The exposure for FY11 (# of vehicles with APD coverage) for these institutions is shown in the legend of the graph--this is not the number of claims filed.
The total amount for Ogeechee Tech represents one claim involving a TCSG tractor-trailer; however, the amount was later fully recovered from the at-fault party.

Paid Auto Physical Damage Claims FY05 -

FY10, Top 10 Tech Colleges

(# of vehicles w ith APD coverage for FY11 is noted in legend)

Ogeechee - 27

$96,349

West Ga. - 62

$18,220

Dekalb - 73

$18,214

Okefenokee - 35 West Central - 0 South Ga. - 28 Sandersville - 30 Middle Ga. - 27 Savannah - 57 Flint River - 15

$12,540 $10,962 $9,813 $8,620 $5,339 $3,993 $3,845
Total APD Paid All TCSG Colleges - $213,242

Paid Property Claims FY05 - FY10,

Okefenokee Tech Top 10 Tech Colleges

Southeastern Tech Dekalb Tech

$95,935 $89,702 $86,750

Valdosta Tech*

$78,572

Lanier Tech

$50,831

Atlanta Tech Savannah Tech

$40,825 $35,825 $28,001

Albany Tech

$21,652

Chattahoochee

Total PR Paid All TCSG Colleges - $736,832

The total dollars paid out for the top two institutions listed in the chart are primarily due to one or two windstorm/ lightning occurrences. In comparison to other state agencies, TCSG institution's frequency of claims reported and severity of claims paid are low (favorable) relative to their total insured property values in comparison to other state agencies.
*Valdosta Tech is now part of Wiregrass Technical College, but this data is for the Valdosta Tech campus only.

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Agency Risk Reports Department of Community Health

Premiums Paid for Fiscal Year 2010

Workers' Compensation General Liability

$1,710,000 $0

Auto Liability

$0

Property Auto Physical Damage

$141,892 $5,901

The Georgia Department of Community Health (DCH) was created in 1999 to serve as the lead agency for health care planning and purchasing issues in Georgia. The General Assembly created DCH by consolidating four agencies involved in purchasing, planning and regulating health care. In 2009, the Division of Public Health and Emergency Preparedness transitioned to DCH from DHR. The department is also designated as the single state agency for Medicaid.

FY 10
FY05-09 Yearly AVG.

Workers' Compensation Claims

Frequency (# of claims)

% of Statewide

Severity ($ of claims)

178

3%

$1,761,357

257

3%

$1,562,219

% of Statewide
2%
2%

The ratio of Workers' Compensation injuries to FTEs for FY10 is 3.02% compared to the statewide average ratio of 4.84%. The major cause of Workers' Compensation claims for this agency is falls, slips and trips. The second highest is being injured by an object.

FY 10 FY05-09 Yearly AVG.

General Liability Claims

Frequency (# of claims)
5

% of Statewide
0%

8

0%

Severity ($ of claims)
$289,313
$232,510

% of Statewide
2%
1%

Approximately 20% of the claims brought against DCH involve alleged malpractice, 20% involve septic tank inspections/permitting and 15% involve employment practices.

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FY 10 FY05-09 Yearly AVG.
FY 10 FY05-09 Yearly AVG.

Auto Liability Claims

Frequency (# of
claims)

% of Statewide

8

1%

15

1%

Severity ($ of
claims)
$24,038
$21,086

Auto Physical Damage Claims

Frequency (# of claims)
3
1

% of Statewide
1%
<1%

Severity ($ of claims)
$2,163
$1,948

% of Statewide
<1% <1%
% of Statewide
<1% <1%

Auto Liability coverage protects DCH and its employees from claims costs associated with the negligent operation of any vehicle while used to perform job duties. State employee drivers are covered for liability, not the vehicle itself.
DCH has insured all of their 84 vehicles for Auto Physical Damage coverage for FY11.

Property coverage provides agencies the funds to repair or replace state buildings and/or the contents that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary.

Properties Insured State Owned State Leased Total

Number 9 35 44

Buildings $27,069,000
$27,069,000

Contents $170,000,000
$5,178,084 $22,178,084

Total Value $44,069,000 $5,178,084 $49,247,084

Sq. Ft. 216,222 429,353 645,575

DCH's property claim frequency over the past six years has been extremely favorable (low) relative to other agencies included in this report.

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Agency Risk Reports Georgia Ports Authority

Premiums Paid for Fiscal Year 2010

Workers' Compensation

$717,390

General Liability

$0

Auto Liability

$0

Property Auto Physical Damage

$1,785,894 $1,550

The mission of the Georgia Ports Authority (GPA) is to develop, maintain, and operate ocean and inland river ports within the state of Georgia. The organization fosters international trade and new industry for state and local communities. The GPA operates several ports including the Port of Savannah, which is home to the largest single-terminal container facility in North America. It also operates the Port of Brunswick, which is comprised of three deepwater terminals, and it operates two inland terminals: Port Bainbridge and Port Columbus. The agency has nearly 1,000 employees.

FY 10
FY05-09 Yearly AVG.

Workers' Compensation Claims

Frequency (# of claims)
73

% of Statewide
1%

Severity ($ of claims)
$896,760

73

1%

$997,692

% of Statewide
1%
1%

The ratio of workers' compensation injuries to FTEs for FY10 is 7.12% compared to the statewide average ratio of 4.84%. The major cause of workers' compensation claims for this entity is from being injured by objects, with the second highest cause coming from repetitive motion injuries.

GPA Top Workers' Compensation Causes

by Frequency FY10

Injured by object

Repetitive motion

11% 8% 11%
11% 13%

16% 15%
15%

Foreign body in eye Occupational disease Strain Inges tion/inhalation Motor vehicle accident

Caught in, under, between machinery

FY 10
FY05-09 Yearly AVG.

General Liability Claims

Frequency

% of

Severity

(# of claims) Statewide ($ of claims)

124

8%

$1,071,193

123

7%

$955,622

% of Statewide
6%
4%

Although number of reported claims increased just over 5% compared to FY09, total claim payments have increased over 68% in FY10 compared to FY09. Two large bodily injury claim payments involving catastrophic bodily injury incidents in FY00 and FY04 accounted for over half of the total payments in FY10.

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Photo courtesy of the Georgia Department of Economic Development

Auto Liability coverage protects GPA and its employees from claims costs associated with the negligent operation of any vehicle while used to perform job duties. State employee drivers are covered for liability, not the vehicle itself. With approximately 1,000 employees and a fleet of over 200 state vehicles, no auto liability claims were filed against the GPA in FY10! For FY10, GPA insured only three vehicles for auto physical damage coverage with RMS; however, 9 of their 207 vehicles have been insured for FY11. From FY05-FY09 there have been no claims filed or paid for APD.

Properties Insured State Owned Other Assets Total

Number 209 310 519

Buildings $752,289,330
$752,289,330

Contents $5,492,697
$530,360,031 $535,852,728

Total Values $747,982,374 $530,360,031
$1,288,142,058

Sq. Ft. 4,722,825
4,722,825

Property coverage provides state entities the funds to repair or replace state buildings and/or contents that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary.

Frequency (# of claims)

Property Claims
% of Statewide

Severity ($ of claims)

% of Statewide

FY 10
FY05-09 Yearly AVG.

4

1%

$165,478

2%

3

1%

$328,669

4%

The number of claims reported by GPA is low relative to other state entities. Their severity of claims paid for FY05-09 is heavily impacted by four fire losses, two of which involved total damages of more than $1M to GPA equipment.
Photo courtesy of the Georgia Department of Economic Development

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Agency Risk Reports Department of Labor

Premiums Paid for Fiscal Year 2010

Workers' Compensation

$1,218,729

General Liability Auto Liability Property Auto Physical Damage

$0 $0 $284,328 $4,893

The Georgia Department of Labor (GDOL) provides a wide range of services to job seekers and employers including administration of unemployment insurance, employment service, and vocational rehabilitation programs; provision of workforce information to public and private sectors; inspection of boilers, pressure vessels, amusement park and carnival rides; and oversight of child labor issues. With a staff of more than 4,000, the GDOL has 53 local career centers and 53 vocational rehabilitation program offices throughout the state.

There were 106 WC claims experienced by GDOL in FY10 or 2% of the claims experienced by all covered entities. The average number experienced annually over the past five years was 151, which was 2% of the number of claims experienced by all covered entities. In FY10, paid WC claims for GDOL were $1,008,457, or 1% of the paid claims for all covered entities. The average amount of paid claims experienced by GDOL annually over the previous five years was $950,169, which was 1% of the paid claims for all covered entities. The ratio of Workers' Compensation injuries to FTEs for FY10 is 2.72% compared to the statewide average ratio of 4.84%. The major cause of workers' compensation claims for this agency is from falls, slips and trips, and the second highest cause is from repetitive motion or cumulative trauma.

There were 14 general liability (GL) claims experienced by GDOL in FY10, which was 1% of the number of claims experienced by all covered entities. The average number of GL claims experienced by GDOL annually over the previous five years was 20, which was 1% of the number of GL claims experienced by all covered entities. In FY10, paid GL claims for GDOL were $178,853, or 1% of the paid claims for all covered entities. The average amount of paid claims experienced by GDOL annually over the previous five years was $115,458, which was <1% of the paid claims for all covered entities.
There were 3 auto liability (AL) claims experienced by GDOL in FY10 or 1% of the claims experienced by all covered entities. The average number of AL claims experienced by GDOL annually over the previous five years was 11, or 1% of the number of AL claims experienced by all covered entities. In FY10, paid AL claims for GDOL were $34,931, or <1% of the paid claims of all covered entities. The average amount of paid claims experienced by GDOL annually over the previous five years was $22,001, which was <1% of the paid claims for all covered entities.

There were 2 auto physical damage (APD) claims experienced by GDOL in FY10 or <1% of the claims experienced by all covered entities. The average number of APD claims experienced by GDOL annually over the previous five years was two, or 1% of the APD claims experienced by all covered entities. In FY10, paid APD claims for GDOL were $2,811 or <1% of the paid claims of all covered entities. The average amount of paid claims experienced by GDOL annually over the previous five years was $1,251, or <1% of the paid claims for all covered entities. GDOL has insured 84 of their 122 vehicles for auto physical damage coverage with Risk Management Services for FY11.
Property coverage provides state entities the funds to repair or replace state buildings and/or contents that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary. There were 13 Property (PR) claims experienced by GDOL in FY10 or 4% of the claims experienced by all covered entities. The average number of PR claims experienced by GDOL annually over the previous five years was 9 or 2% of the PR claims experienced by all covered entities. In FY10, paid PR claims for GDOL were $2,811, or <1% of the paid claims of all covered entities. The average amount of paid claims experienced by GDOL annually over the previous five years was $45,322, which was 1% of the paid claims for all covered entities.

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Agency Risk Reports Department of Driver Services

The Department of Driver Services (DDS) administers drivers' license issuance and renewals, motor vehicle registration and commercial truck compliance. DDS enforces and administers state laws and regulations for mandated programs relating to driver safety and driver education for both novice and problem drivers. The agency has more than 880 employees.

Premiums Paid for Fiscal Year 2010

Workers' Compensation

$682,577

General Liability

$0

Auto Liability Property

$0 $17,390

Auto Physical Damage

$7,075

There were 30 WC claims experienced by DDS in FY10 or <1% of the claims experienced by all covered entities. The average number of WC claims experienced by DDS annually over the previous 5 years was 62 or only 1% of the claims experienced by all covered entities. In FY10, paid WC claims for DOR were $815,752, or 1% of the paid claims for all covered entities. The average amount of paid claims experienced by DOR annually over the previous five years was $748,846, which was 1% of the paid claims for all covered entities. The ratio of workers' compensation injuries to FTEs for FY10 is 3.39% compared to the statewide average ratio of 4.84%. The major cause of workers' compensation claims for this agency is from motor vehicle collisions and the second highest is from falls, slips and trips.
There were 12 general liability (GL) claims experienced by DDS in FY10 or 1% of the claims experienced by all covered entities. The average number of GL claims experienced by DDS annually over the previous five years was 9 or 1% of the GL claims experienced by all covered entities. In FY10, paid GL claims for DDS were $7,488, or <1% of the paid claims for all covered entities. The average amount of paid claims experienced by DDS annually over the previous five years was $28,478, which was <1% of the paid claims for all covered entities.
There was one auto liability (AL) claim experienced by DDS in FY10 or <1% of the claims experienced by all covered entities. The average number of AL claims experienced by DDS annually over the previous five years was 16, or 1% of the AL claims experienced by all covered entities. In FY10, paid AL claims for DDS were $4,744, or <1% of the paid claims for all covered entities. The average amount of paid claims experienced by DDS annually over the previous five years was $25,329, which was <1% of the paid claims for all covered entities.
There were two auto physical damage (APD) claims experienced by DDS in FY10 or <1% of the claims experienced by all covered entities. The average number of APD claims experienced by DDS annually over the previous five years was 10 or 3% of the APD claims experienced by all covered entities. In FY10, paid APD claims for DDS were $3,442 of the paid claims for all covered entities, or 0% of the paid claims for all covered entities. The average amount of paid claims experienced by DDS annually over the previous five years was $29,852, which was 4% of the paid claims for all covered entities. DDS has insured all of their 127 vehicles for auto physical damage coverage with Risk Management Services for FY11.
Property coverage provides state entities the funds to repair or replace state buildings and/or content that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary. There were no Property (PR) claims experienced by DDS in FY10. The average number of PR claims experienced by DDS annually over the previous five years was two, or 0% of the PR claims experienced by all covered entities. In FY10, no PR claims were paid for DDS. The average amount of paid claims experienced by DDS annually over the previous five years was $4,292 which was <1% of the amount of paid claims for all covered entities.

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Agency Risk Reports Georgia Forestry Commission

Premiums Paid for Fiscal Year 2010

Workers' Compensation

$781,586

General Liability

$0

Auto Liability

$0

Property

$231,883

Auto Physical Damage

$278

The Georgia Forestry Commission (GFC) is responsible for providing leadership, service, and education in the protection and conservation of Georgia's forest resources. The Commission's central office is located in Dry Branch, Georgia. District and county offices are located throughout the state. Commission professionals provide a variety of services including fire detection, issuance of burn permits, wildfire suppression and prevention services, emergency and incident command system expertise, rural fire department assistance, forest management assistance to landowners and communities, marketing and utilization of forest resources and nature services, and growing and selling quality tree seedlings for planting. The agency has over 660 employees.

FY 10
FY05-09 Yearly AVG.

Workers' Compensation Claims

Frequency (# of claims)

% of Statewide

Severity ($ of claims)

30

0%

$745,069

61

1%

$857,963

% of Statewide
1%
1%

The ratio of workers' compensation injuries to FTEs for FY10 is 4.53% compared to the statewide average ratio of 4.84%. The major cause of workers' compensation claims is injuries by an object and the second highest is strains.

Georgia Forestry Commission has relatively few General Liability Claims as most of their operations are conducted in less dense population centers. Of the 19 claims filed against GFC over the last six years, approximately 50% related to controlled burns or establishing fire breaks.

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Auto Liability coverage protects GFC and its employees from claims costs associated with the negligent operation of any vehicle while used to perform job duties. State employee drivers are covered for liability, not the vehicle itself.

FY 10
FY05-09 Yearly AVG.

Auto Liability Claims

Frequency (# of claims)
6

% of Statewide
1%

Severity ($ of claims)
$23,960

18

1%

$30,369

% of Statewide
<1%
1%

While for FY10 GFC insured only three vehicles for auto physical damage coverage with RMS, 9 of their 683 have been insured for FY11. The average amount of paid claims experienced by GFC annually over the previous 5 years was $12,960 or 1% of the paid claims for all covered entities.

Properties Insured State Owned State Leased Other Assets Total

Number 645 22 140 807

Buildings $86,937,02236
$86,937,02236

Contents $71,128,899
$6,094,100 $77,222,999

Total Values $158,065,921
$6,094,100 $164,160,021

Sq. Ft. 1,104,6431
11,475
1,115,906

Property coverage provides state entities the funds to repair or replace state buildings and/or content that have been lost or damaged by perils including fire, lightning, explosion, windstorm, hail, smoke, earth movement, flood, riot, vandalism or burglary.

Frequency (# of claims)

Property Claims
% of Statewide

Severity ($ of claims)

% of Statewide

FY 10

1

<1%

$0

0%

FY05-09 Yearly AVG.

3

1%

$70,850

1%

GFC property claim frequency over the past six years has been very favorable (low) relative to other agencies included in this report. Loss data excludes damages caused in the March 14 and May 11, 2008 tornados.

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Appendix A Terminology/Acronyms/Abbreviations

AL APD CLCP FST FTE GL LOB MVA PR RMAC RMS WC
ABAC Advantage Albany Albany State Avita BHS of S. Ga. BOR Clayton Cobb Columbus State CSB DBHDD DDS DeKalb DHS DJJ DNR DOA DOAS DOL

Terminology
Auto Liability Insurance Auto Physical Damage Insurance Comprehensive Loss Control Program Fall, Slip, Trip Full Time Equivalent General Liability Insurance Line of Business Motor Vehicle Accident Property Insurance Risk Management Advisory Council Risk Management Services Division of DOAS Workers' Compensation Insurance
Covered Entities Mentioned by Acronym/Abbreviation in this Report
Abraham Baldwin Agricultural College Advantage Behavioral Health Systems (formally Northeast Georgia CSB) Albany Area Community Service Board Albany State University Avita Community Partners (CSB) Behavioral Health Services of South Georgia (CSB) Board of Regents Clayton County Community Service Board Cobb Community Service Board Columbus State University Community Service Board Department of Behavioral Health and Developmental Disabilities Department of Driver Services DeKalb Community Service Board Department of Human Services Department of Juvenile Justice Department of Natural Resources Department of Agriculture Department of Administrative Services Department of Labor

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Appendix A

Terminology/Acronyms/Abbreviations

DPS FVSU Ga Pines GaTech Gateway GaGwinnett GaSouthern GCSU GDC GDOT GEMA GFC GPC GRN GSU GPA GWCCA Highland Rivers KSU Lookout Mt. McIntosh Trail MCG Middle Ga. New Horizons NGCSU Ogeechee BHS Phoenix Center Pineland River Edge Satilla Savannah State Serenity BHS TCSG Tidelands UGA UWG VSU

Department of Public Safety Fort Valley State University Georgia Pines Community Service Board Georgia Institute of Technology Gateway Behavioral Health Services (CSB) Georgia Gwinnett College Georgia Southern University Georgia College and State University Georgia Department of Corrections Georgia Department of Transportation Georgia Emergency Management Agency Georgia Forestry Commission Georgia Perimeter College Gwinnett Rockdale Newton Community Service Board Georgia State University Georgia Ports Authority Georgia World Congress Center Authority Highland Rivers Community Service Board Kennesaw State University Lookout Mountain Community Service Board McIntosh Trail Community Service Board Medical College of Georgia Community Service Board of Middle Georgia New Horizons Community Service Board North Georgia College and State University Ogeechee Behavioral Health Services (CSB) Phoenix Center CSB Pineland Community Service Board River Edge Community Service Board Satilla Community Service Board Savannah State University Serenity Behavioral Health System (CSB) Technical College System Of Georgia Tidelands Community Service Board (no longer in existence) University of Georgia University of West Georgia Valdosta State University

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Risk Management Staff

Risk Management Staff

Chris Risley RMS Director 404-463-5458 christopher.risley@doas.ga.gov

Lisa Pratt Workers' Compensation
Insurance Officer 404-463-1499
lisa.pratt@doas.ga.gov

Ted Low Loss Control and Safety Officer
404-463-6309 ted.low@doas.ga.gov

C.G. Lawrence Loss Control and Safety Officer
404-657-4457 charles.lawrence@doas.ga.gov.

Tom Provancher Property, Liability and Auto
Insurance Officer 404-656-4817
tom.provancher@doas.ga.gov

Denise Dimino General Liability Claim Manager
404-656-9472 denise.dimino@doas.ga.gov

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