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Ginny Shrimplin,
Marketing Manager for CORSA (County Risk Sharing Authority) was
present to address the Board. Stan Multhauf and Jim Stapleton
from Stapleton Insurance were also present. Ms. Shrimplin began
by giving an overview of their organization and the services
they offer:
The County Risk
Sharing Authority is a property and liability self insurance
pool that was established by the County Commissioners
Association of Ohio (CCAO) in 1987. The program is governed by a
nine member board of trustees, all of whom must be commissioners
from member counties.
The mission of the
County Risk Sharing Authority (CORSA) is to provide members with
comprehensive property and liability coverage and high quality
risk management services at a stable and competitive cost.
CORSA’s Mission
Statement will be achieved through the following objectives:
• Utilize the
highest standards of ethics, oversight, and transparency in all
processes and decisions.
• Offer property and
liability coverage that is specifically designed to meet the
unique and changing needs of county government.
• Provide a stable,
financially secure, and competitive risk financing system.
• Control losses
with cost-effective claims administration and litigation
management.
• Provide
comprehensive loss control and loss prevention services.
• Provide expertise,
education and training on risk management issues impacting Ohio
County Government.
MEMBER COUNTIES
Adams
Geauga Morrow
Allen
Guernsey Muskingum
Ashland
Hardin Ottawa
Ashtabula
Harrison Paulding
Athens
Henry Perry
Belmont
Highland Pickaway
Brown
Holmes Portage
Butler
Huron Preble
Carroll
Jefferson Putnam
Clark
Knox Richmand
Clinton
Lake Ross
Columbiana
Licking Sandusky
Coshocton
Logan Scioto
Darke
Lorain Seneca
Delaware
Madison Trumbull
Defiance
Mahoning Union
Erie
Marion Warren
Fairfield
Medina Washington
Fayette
Meigs Williams
Fulton
Miami Wyandot
Gallia
Monroe
Multi-County
Facilities:
Delaware County Port
Authority
Eastern Ohio
Correctional Center
Central Ohio Youth
Center
Licking-Muskingum
Community Correction Center
Lorain-Med ma
Community Correctional Facility
Marion-Hardin Jail
Commission
Delaware-Morrow
Mental Health & Recovery Board
Multi County
Juvenile Attention System
Multi County
Juvenile Detention Center
North Central Ohio
Rehabilitation Center
Northern Ohio
Juvenile Community Corrections Facility
North West Ohio
Juvenile Center
Perry Multi County
Juvenile Facility
Portage-Geauga
Juvenile Detention Center
South Central
Regional Juvenile Detention Center
West Central
Community Correctional Facility
CORSA BOARD OF
DIRECTORS CONSISTS OF THE FOLLOWING:
OFFICERS:
PRESIDENT John
Bayliss, Logan County
VICE PRESIDENT Jack
Evans, Miami County
SECRETARY Lenny
Eliason, Athens County
TREASURER Nancy
McKeen, Erie County
BOARD MEMBERS
Lenny Eliason -
Athens
Jack Evans -Miami
Nancy McKeen - Erie
Paul Barnaby -
Fulton
Mike Welch - Ashland
John Grimes -
Washington
Bob Herron - Carroll
Tom Kime - Defiance
John Bayliss – Logan
RISK MANAGEMENT
SERVICES:
Three experienced
professionals on the CORSA staff provide Risk Management
Services to members. All services are provided at no additional
cost to members.
I. Defensive
Driver Training
Tom Carabin, is
certified by the National Safety Council to teach the following
courses:
• Basic Defensive
Driving Course (DDC 4).
Coaching the
Maintenance Vehicle Operator (CDL-snow plow/dump trucks)
• Coaching the
Emergency Vehicle Operator-Police
• “Next Step”— a 2
hour driver safety refresher for good drivers.
II. Departmental
Risk Management Training.
Meetings with
officials and directors of departments that have high potential
for accidents and law suits (Engineers, Sheriff, Children
Services, etc) to review their operations and policies and
procedures.
III. Employment
Practice Seminars
Sexual harassment,
discrimination, violation of civil rights, hiring/firing
(Seminars, held regionally, or at county)
IV Development of
Policies and Procedures
V. Regional Risk
Management Seminars
VI. Discussion
Board on the CORSA Web Site
A Discussion Board
was added to the CORSA Web Site as another valuable service to
our members. The purpose of the board is to provide our members
with a means of sharing information that pertains to risk
management issues that arise out of the operation of county
government.
VII. Motor
Vehicle Records (MVR’s)
Upon request by
county, CORSA will provide county with MVR’s that will provide
information about the driving record (accidents and violations)
of current employees and applicants who will either drive county
vehicles or drive personal vehicles while working for county.
VIII. Loss
Control Surveys
A survey of
designated county buildings and premises to detect hazards that
could cause injury and damage to property.
PUBLIC RISK
MANAGEMENT ASSOCIATION (PRIMA) SUPPORT:
PRIMA is
universally recognized as the premier organization for training
and information for public risk management professionals. For
those CORSA members that have designated safety / loss control
personnel, CORSA pays the dues for membership in the national
association. For those members who are also members of the
County Loss Control Coordinators Association (CLCCA), CORSA pays
for registration to attend the annual national meeting.
PROPERTY
APPRAISALS
CORSA contracts with
the Industrial Appraisal Company to provide certified property
appraisals to establish insurance replacement costs on all
Buildings and Contents, at no cost to members. A comprehensive
report with pictures is included. In addition, annual valuation
updates are provided, again at no cost to members.
LIGHTNING
PROTECTION INCENTIVES
Upon request by a
member county, CORSA will contract with a firm to provide a
lightning / surge protection survey on property at high risk for
lightning damage. If a member installs recommended
surge/lightning protection equipment, CORSA will waive the
property insurance deductible for damage caused by lightning.
LEGAL COUNSEL
Legal Counsel is
provided by a network of law firms located in Ohio who
specialize in county government and federal court cases. Defense
counsel and claims staff work closely with and receive input
from county prosecutors and elected officials while defending
the county and its officials and employees.
LOCAL INSURANCE
AGENTS
The local insurance
agent is the CORSA link that provides local service to the
county. The local agent is selected by the county.
AGENT
RESPONSIBILITIES:
• Attend minimum of
two service meetings per year with either Commissioners or
designated contact, to discuss current developments and issues.
• Collection of data
for renewal and processing of renewal application.
• Provide general
insurance and risk management advise and information to the
CORSA Program.
• Attend CORSA
Renewal Meeting in Columbus.
• Attend CORSA
Annual Meeting in Columbus.
• Attend CORSA
Annual Agents Meeting in Columbus.
• Respond promptly
to requests for information and questions from county officials
and employees.
• Establish claim
handling procedures, and assist with claim issues if requested.
• Confirm with
county the nature and extent of involvement with County’s Loss
Control and Risk Management activities.
Who is covered:
County Elected
Officials, Employees, Volunteers, while acting on behalf of the
county, and acting within the scope of authority of their
position.
Boards whose budgets
are included within the county’s total appropriated budget,
whose members are appointed by county official or employee, and
whose employees are county employees. The “appropriated budget”
includes the general fund and other covered offices and Board
outside the general fund that may have revenue from separate
taxes and levies (Engineer, MRDD, etc.). If a particular Board
does not meet all three criteria, it is then evaluated on a case
by case basis.
I. General
Liability
Limit: $1,000,000
per loss. No annual aggregate.
Covers claims that
allege that the county or covered individual is liable for
bodily injury, personal injury, or property damage due to
negligence of county or covered individual.
Examples:
Slip and fall on
county property
Claimants allege
county engineer negligent in maintaining road ways and bridges:
missing or
obstructed stop signs; defective guardrails; road/bridge repair,
construction causing accidents; water drainage
County negligent in
placing foster children or adopted children, and negligence
caused injury to either placed children or third party
County negligent in
conducting child abuse investigations Libel - slander
Sewer backup
II. Errors &
Omissions - Public Officials Liability
Limit: $1,000,000
per loss $1,000,000 annual aggregate
Covers allegations
that someone suffered monetary damages as a result of a wrongful
act being committed. A wrongful act could include errors and
omissions and breach of duty. Losses due to an improper
decision being made as opposed to bodily injury or property
damage occurring as a result of an unsafe act of condition which
would be covered by general liability.
Coverage for
administrative proceedings before Equal Employment Opportunity
Commission and Ohio Civil Rights Commission for allegations
covered by policy.
Examples:
Violation of civil
rights
Discrimination
Violation of civil
rights in work place, including improper termination,
promotion, failure
to hire
Sexual harassment
Improper recording
of deeds, titles, abstracts
Improper zoning
decisions
III. Law
Enforcement Liability
Limit: $1 ,000,000
per loss, no annual aggregate.
Claims alleging
errors and omissions and negligent acts arising out of the
performance of law enforcement activities, resulting in bodily
injury, property damage, personal injury, or violation of civil
rights.
Exam pies:
False arrest, false
imprisonment and detention, erroneous service of civil papers,
inmates alleging errors and omissions or negligent acts
resulting in violation of civil rights or injury.
Claims resulting
from approved special duty.
IV. Automobile
Liability
Limit: $1 ,000,000
per loss. No annual aggregate
Owned and leased
vehicles are covered.
County covered for
liability arising out of employee using personal vehicle on
county business.
Under Ohio’s
Financial Responsibility Laws, if an employee or official is
involved in an accident while driving a personal vehicle on
behalf of the county, the employee’s personal insurance carrier
is responsible for the loss.
V. Property
Buildings - Contents
Replacement Cost Value
Valuable Papers
$1,000,000
Extra Expense
$1,000,000
Electronic Data
Processing Replacement Cost
Contractors
Equipment Actual Cash Value
Misc. Inland Marine
Actual Cash Value
Motortruck Cargo
$100,000
Flood & earthquake
Replacement Cost Value
($100,000,000 Pool
Limit.
Zone A Excluded for
Flood)
Auto Physical Damage
Actual Cash Value
Automatic
Acquisition $5,000,000
VI. Crime
Limit - $1,000,000
per loss.
A. Employee
Dishonesty / Faithful Performance Blanket Bond
Covers loss of
money, securities, and other property resulting from fraudulent
or dishonest act of employees or officials from failure of
employee or official to perform faithfully his I her duties or
to account properly for all money and property.
B. Money and
Securities (Inside and Outside)
Loss of money and
securities by the actual destruction, disappearance or wrongful
abstraction of money and securities including food stamps.
C. Depositor’s
Forgery
D. Money Orders and
counterfeit Paper Currency
VII Excess
Liability
$1
,000,000-$10,000,000 per Occurrence available above Auto
Liability, General Liability, Law Enforcement Liability, and
Public Officials Liability.
She further
discussed issues relating to a recent quote figured for CCNO and
concluded with stating that Fulton County has been a member of
CORSA since 1987 and invited the Commissioner’s and their staff
to their Annual Meeting on August 24, 2007, wherein a 20 year
celebration would be held.
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