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 Risk Control Services The Municipal Insurance Alliance provides a variety of risk control services to its insured public entities throughout Michigan, Ohio, Indiana, Illinois and New York. These services are provided by experienced risk control personnel located in each state who utilize proven risk control techniques and procedures. These techiques and procedures are continuously updated by conferring with Alliance appointed counsel and Midwest Claims Service, Inc. Through these efforts, Alliance insureds are provided with the most up to date information on statutes, case law and claims experience which will help them avoid, reduce and/or transfer potential liability exposures. Some of the risk control services provided to Alliance insureds include: Risk Control Profiles The Risk Control Department has field representatives who visit all Alliance insureds to develop Risk Control Profiles. This is done by surveying insured public entities to identify existing and/or potential liability exposures. While on-site they will meet with officials and department heads to discuss and review the entity’s operations. Specific issues that are identified will be discussed with the officials and department heads during the on-site visit. Risk Control Recommendations After information is gathered for the profile, letters of recommendation are provided to the entity’s officials and department heads. Resource materials may also be included to help the insured entity implement these recommendations. Special Events and Contract Reviews We will review special event applications along with site plans to help insured entities identify potential liability exposures inherent with these types of events. Recommendations are made to help manage these exposures. We will also review contractual language from a risk control perspective and will provide suggestions to help reduce potential liability exposures. These suggestions can be reviewed by the entity attorney before a contract is signed or revised. Resource Material Our Risk Control Department has a large quantity of resource materials available to assist public entities in developing sound risk control programs. Specific information is available to assist human resource departments, park and recreation departments, public works departments, emergency medical services, fire departments, jails and police departments. In addition, we have sample manuals, risk control guidelines and model policies and procedures. We continuously update these materials and make them available to all our insureds. Technical Assistance Risk Control Department Representatives provide assistance with liability related questions and issues. They are also available to meet with your safety committee to provide guidance and advice. We continuously train and update our insureds with the latest information that could potentially affect public entities. Risk Control Seminars The Risk Control Department assists, sponsors and presents seminars to Alliance insureds. Some topics include: 1. Sexual Harassment in the Workplace 2. Other Forms of Discrimination including ADA and Whistleblowers 3. Law Enforcement Liability 4. Governmental Immunity Other seminars can be tailored to meet the needs of the public entity. Midwest Claims Service Midwest Claims Services, Inc. a subsidiary of HCC Insurance Holdings, Inc., provides the claims service for the Municipal Insurance Alliance. Midwest has a staff of experienced in-house attorneys and claims staff to process all the claims and litigation. Midwest assists the Alliance Risk Control operation to work towards mitigating claims and loss exposures. Midwest follows our Risk Control philosophy through its incident reporting method. Our insureds are asked to fill out a simple, one-page “Incident Notice” whenever there is any occurrence that has the potential or possibility of developing into a claim, even though at the time of the incident no action might be taken. The filing of an Incident Notice gives our Claims Department the benefit of gathering timely, accurate information from the people involved or who were witnesses to the incident. If a claim should result months or possibly years later, there will be no forgotten details, lost evidence, or witnesses that can’t be located. The use of Incident Notices by our insured allows our Claims Department to pre-handle potential claims by gathering the needed information and acting on it prior to a claim. Incident Notices don’t affect premiums or coverages, and are used only for protection of our insured. Meritorious claims submitted to us are handled promptly and simply require our insured to fill out a simple one-page Accident Report. Alliance Appointed Counsel Recognizing that superior claims-handling must include excellent defense counsel, the Municipal Alliance has assembled a panel of attorneys who specialize in municipal law. Our defense attorneys have had many years of experience in dealing with the myriad of complex issues facing municipal entities today. They have a proven track record of providing prompt, thorough and successful defense representation to all of our insureds. Their reputation has persuaded many of our insureds to even retain them for non-Municipal Alliance business. Program Coverages The Municipal Insurance Alliance offers as diverse a number of coverages as there are public entities. We know that there isn’t any one plan that could satisfy the needs of each and every municipality, so we developed coverage programs specifically tailored to meet our insured’s needs. Our programs are based on a municipality’s historic and current underwriting information gathered through personal contact by our local field service representatives. The following is just a partial listing of programs available, Comprehensive Municipal Liability – Occurrence Form Basis General Liability Personal Injury Public Officials Liability Police Professional Liability Employment Practices Liability Medical Malpractice Fire Department Errors and Omissions Employee Benefits Liability Cemetery Professional Host Liquor Law Liability Auto Liability Special Municipal Liability Coverages Special Events Liability Property Special Peril Coverage for Buildings and Contents Blanket Agreed Amount Valuable Papers and Records Extra Expense Glass Coverage Loss of Rents Builder’s Risk Electronic Data Processing Power Surge Coverage Inland Marine Replacement Cost Fire Truck Replacement Cost Crime Bonds Boiler and Machinery Breakdown Special Emergency Automobile Equipment Endorsement As a result of the ever-changing legal environment, Kenrick Corporation is continually refining coverage forms to meet the changing needs of the Municipal Insurance Alliance insureds. The success of this ongoing process is the direct result of the team efforts of underwriting, claims, legal and risk control personnel. |
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