University of Houston System Risk Management Program

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University of Houston System Risk Management
Program
University of Houston Risk Management
Department 713-743-5858 http//www.uh.edu/risk-m
anagement
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Fundamentals of Risk Management
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Risk Management Process

• Identify Exposures Subject to Loss
• Examine Risk Control or Risk Financing Techniques
• Select Best Techniques
• Implement
• Monitor and Adjust

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Risk Control

• Exposure Avoidance
• Loss Prevention (reduce frequency)
• Loss Reduction (reduce severity)
• Segregation of Exposure Units
• Contractual Transfer

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Risk Finance

• Retention
• Current Expensing of Losses
• Funded Reserve
• Borrowing
• Captive Insurance
• Transfer
• Commercial Insurance
• Contractual Transfer

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System WideProperty and Casualty Insurance
Program
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Program Details

• State Office of Risk Management
• Workers Compensation (Self-Insurance)
• Automobile Liability
• Directors and Officers/Employment Practices
• Property Insurance
• Willis of Texas (Broker)
• About 15 other insurance policies

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Workers Compensation

• Workers Compensation coverage
• Roles and Responsibilities
• Reporting Requirements
• Paperwork/Forms
• Doctor Visits
• Return to Work

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Workers Compensation Coverage

• Who is covered
• Course and Scope
• No Fault
• Medical Bills No Limit
• Lost Wages - Limited

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Roles and Responsibilities

• Workers Compensation Coordinator
• Liaison between insurance carrier injured
  worker
• Claims Coordinator - Hiromi Takiguchi - 3-0414
• Risk Manager Eno Udoh 3-5865
• Insurance Claims Representative
• Determines compensability
• Approves medical payments benefits

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Reporting Requirements

• Employee
• Notification of injury
• Complete required forms
• Supervisor
• Notify Claims Coordinator
• Complete required forms

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Forms - Supervisor
Employers First Report of Injury or Illness
-DWC1S Witness Statement SORM 74
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Forms - Employee

• Employees Report of Injury - SORM 29
• Employees Election Regarding Utilization
• of Sick Annual Leave SORM 80
• Authorization for Release of Information SORM
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Initial Doctor Visit

• Workers Compensation
• Doctor

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Maintain Communications

• Work Status Report
• Off work
• Return to Work
• Transitional Duty

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Insurance Policies
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Insurance PoliciesProperty InsuranceComprehens
ive Medical Professional Liability
Program University Providers StudentsAutomobil
e InsuranceSpecial Events LiabilitySeveral
Others
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Main Property PolicyPolicy Loss Limit Named
Windstorm 50 million Flood 25 million for
UHD 50 million for UH, UHCL and UHV All
Other Perils 750,000,000Deductibles Named
Windstorm 2 Per Building Damaged subject to
500,000 Minimum Flood 500,000 for UHD,
250,000 others All Other Perils (Fire,
Tornado, etc.) 100K
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Property Insurance DeductibleSelf Insured
Retention Fund

• Deductible is 100,000 (most perils)
• Department pays first 10,000
• UHS Risk Management Adjusts Claims Below
  Deductible (Must be insurable loss)
• Deductibles are paid from the Retention Fund
• Wear and Tear not covered

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Automobile Insurance Program

• Liability coverage
• 1MM per occurrence limit for most vehicles
• Liability coverage
• 10,000 deductible All owned autos
• Comprehensive coverage
• 500 deductible scheduled autos
• Note UH does not insure most of its vehicles
  for collision and comprehensive coverage. Golf
  Carts are not covered.

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Automobile Insurance

• Rental Autos
• Always try and rent autos on the state contract,
  insurance will be included.
• If auto is not rented on state contract, purchase
  the damage liability waiver.
• University Owned Autos
• Liability Insurance Only, in most cases.
• Full coverage only if requested by the owning
• department.
• Personal Autos
• You are responsible for insurance, cost covered
  by
• mileage reimbursement.

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Medical Professional Liability

• All Campus Health Clinics
• All Medical Doctors, Pharmacist and Allied Health
  Care Professionals
• Athletic Trainers
• Student Internships Externships
• 1M limit per claim

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Medical Professional Liability - Students

• Pharmacy Students Student Athletic Trainers
• Dieticians Marriage Family Therapist
• Child Development Speech Pathologist
• Family Services Psychological Counseling
• Optometry Students Personal Guidance Counselors
• School Counselors Social Work Interns
• Coverage must be requested from Risk Management

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General Liability
Exposures

• The University of Houston is self insured for
  most general liability exposures
• Reason Low Loss History
• Statutory Limitations of Liability or Immunity

• Slip and Fall
• Burns
• Assault
• Malicious Prosecution
• Property Damage

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General Liability Insured When Required

• Leased Land and Buildings
• Broadcasting Towers
• Special Events at Others Premises

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Special Events General Liability

• Coverage for events must be scheduled through
  Risk Management
• Eno Udoh, Risk Manager 713-743-5865
• Certificates of Insurance issued by Risk
  Management
• Coverage for rentals off campus i.e. Hotels,
  Conference Rooms

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Sport /Academic Camps Special Activities
Medical Accident Coverage

• Architecture Summer Scholars
• Engineering Camp Sports Camp
• Upward Bound Natural Sciences
• Day Care Center Charter School
• Children Camps On Campus Events
• Coverage Must be Scheduled
• through Risk Management

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Directors and Officers / Educators Legal Liability

• Financial damages resulting from wrongful
  Acts (breach of duty, neglect, error,
  misstatement, omission, denial of tenure,
  employment practices discrimination, etc.)
• Insured
• Board of Regents, Directors, Officers, Trustees,
  Faculty, Staff, Volunteers, University itself.

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Fine Arts

• Coverage for Fine Art on loan to UH Campuses
• Transit coverage also added
• Must notify Risk Management of transit details
• Low deductibles

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Allocation of Premium

• Premiums are allocated to each campus and
  department based on exposure basis for premium
• Total Insured Values (Property)
• Number of Employees (DO and Commercial Crime)
• Number of Insured (Medical Student
  Professional)
• Number of Vehicles (Auto)

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Claims Handling

• There are 2 policies concerning claims handling
• SAM 01.C.11 Property Loss Claims
• SAM 01.C.09 - Tort Liability
• Please refer to these policies when making a
  claim for loss of
• Property or when making a claim for damages
  (Broken
• Glass, Slip and Fall, etc.)
• Always contact Risk Management when making a
  claim. We will assist by providing guidance
  regarding gathering the pertinent information.
  Risk Management will file all claims with the
  insurance carrier and negotiate a settlement with
  the claimant.

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The University of Houston Institutional
Compliance Program

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Institutional Compliance ProgramWhat Is It?

• Identifies compliance-related risks
• Evaluates/improves control measures to prevent
  non-compliance
• Offers employees confidential reporting mechanism
  for potential non-compliant issues

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Institutional Compliance ProgramWhy Do It?

• Mission Statement To promote and support a
  culture at the University of Houston which builds
  compliance consciousness into the daily
  activities of the University and encourages all
  employees to conduct University business with
  honesty and integrity.

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Institutional Compliance Program

• Administered by Institutional Compliance
  Committee with representatives from each major
  function of the University
• UH Institutional Compliance Officer is Robert
  Schneller 713-743-5858 rdschneller_at_uh.edu

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Institutional Compliance Manual

• Located at Risk Management Webpage
• www.uh.edu/risk-management

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Institutional Compliance Manual

• UH System Policy
• Mission and Goals
• Ethical Conduct Policy
• Institutional Compliance Committee Membership
• Roles and Responsibilities

• Confidential Reporting
• UH System Action Plan
• Risk Assessment Matrix
• High Risk Area Compliance Evaluations (restricted
  access)
• Training requirements

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Institutional Compliance ProgramHigh-Risk
Compliance Areas

• Academic Affairs
• Accreditation
• Advancement
• Athletics
• Contracts Administration
• Environmental Health Safety
• Facilities
• Financial Aid
• Healthcare Billing Confidentiality

• Human Resources
• Law/General Counsel
• Law Enforcement
• Purchasing
• Residential Life and Housing
• Sponsored Research
• Student Affairs
• Treasury/Financial Accounting

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Institutional Compliance ProgramConfidential
Reporting of Potential Non-Compliance

• Administered by outside company MySafeCampus
  www.MySafeCompus.com or 1-800-716-9007
• Allows reporting mechanism outside normal
  reporting relationships
• Can be totally anonymous or anonymous to
  University
• Good faith reporting has legal protection from
  retaliation
• Not to be used for employment issues such as
  complaints about wages, work hours, performance
  evaluations, discrimination or relations with
  managers Contact Human Resources or Affirmative
  Action for these issues.

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Additional Information

• www.uh.edu/risk-management