Safety, Health, Environment & Risk Management Risk Finance Summary for Work Force & Property Exposures: FY08 Experience and FY09 Projections.
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Safety, Health, Environment & Risk Management Risk Finance Summary for Work Force & Property Exposures: FY08 Experience and FY09 Projections
Chart1
15
15
15
10
10
10
10
5
5
5
CPPP PAM Elements That Might Be Readily Influenced By EH&S Operations
Emergency Planning5%
Campus Management Programs15%
INS lines graph
4700000Medical Malpractice
934945.6233736.4
186078.9434184.1
377508Unemployment Ins.
58615.2136768.8
110446D&O
36767Fleet
17476Equipment Floater
9625Commercial Crime
6229Endowment
200Fine Arts
Insurance policies managed by SHERM
Insurance policies managed by Legal Affairs
*Does not include flood premium on all buildings
$10K
$6K
$200
$17K
$36K
Insurance policies managed by Human Resources
Annual Premium
Universe of UTHSC-H Insurance Policies by Management Unitby Premium Cost (based on FY07 data)
Ins Lines
Medical Malpractice*PropertyEmployee WCResidence WCFleetEquipment Floater
Non-EH&S$3,525,000934,946186,07958,61528,60613,181
EH&S$1,175,000233,736434,184136,7697,1513,295
620,263195,3843575716476
Medical Malpractice*PropertyEmployee WCResident WCD&OFleetEquipment FloaterCommercial CrimeEndowmentFine Arts
$4,700,000$1,168,682$620,263$195,384110446$35,757$16,47696256229200
Medical Malpractice*PropertyEmployee WCUnemployment Ins.Resident WCD&OFleetEquipment FloaterCommercial CrimeEndowmentFine Arts
$4,700,000$934,946$186,079377508$58,615110446$36,767$17,47696256229200
EH&S$233,736.40$434,184.10$136,768.80
Population44256641676
percent
Pam modelBuilding Size15175302.358434.14.7860907598
Fire Sprinklers15175302.3146085.2511.9652268995
Campus Management Programs15175302.3116868.29.5721815196
Fire System Supervision10116868.2116868.29.5721815196
Construction Classification10116868.229217.052.3930453799
Occupancy Classification10116868.258434.14.7860907598
Water Supply10116868.2175302.314.3582722794
Exposure558434.1175302.314.3582722794
Fire Department Response558434.1116868.29.5721815196
Emergency Planning558434.1175302.314.3582722794
Fleet357572.9287051105
EQ164761.3494796935
Total property premium10011686821220915
Medical MalpracticeD&OCommercial Crime*PropertyEmployee WCResident WCFleetEquipment FloaterEndowmentFine Arts
$4,700,0001104469625$1,168,682$620,263$195,384$35,757$16,4766229200
35757
16476
FY08
934945.6233736.4
84660197540
58615.2136768.8
28605.67151.4
13180.83295.2
Portion possibly influenced by EH&S activities
Portion driven by size, construction type, and physical location
Portion driven by injury frequency and severity
Portion driven by payroll and head count
Portion driven by loss frequency and severity
Portion driven by asset value
*Does not include flood premium on all buildings
Annual Premium
Annual Property and Workforce Insurance Premiums, by Policy Type, with Proportion That Might be Potentially Influenced by EH&S Efforts (based on FY08 data)
FY07
934945.6233736.4
186078.9434184.1
58615.2136768.8
28605.67151.4
13180.83295.2
Portion possibly influenced by EH&S activities
Portion driven by size, construction type, and physical location
Portion driven by injury frequency and severity
Portion driven by payroll and head count
Portion driven by loss frequency and severity
Portion driven by asset value
*Does not include flood premium on all buildings
Non-EH&S
EH&S
Annual Premium
Annual Property and Workforce Insurance Premiums, by Policy Type, with Proportion That Might be Potentially Influenced by EH&S Efforts (based on FY07 data)
Sheet1
FY07Medical Malpractice*PropertyEmployee WCResident WCFleetEquipment Floater
Non-EH&S$3,525,000934,946186,07958,61528,60613,181
EH&S$1,175,000233,736434,184136,7697,1513,295
620,263195,3843575716476
FY07Medical Malpractice*PropertyEmployee WCResident WCFleetEquipment Floater
Non-EH&S3525000934945.68466058615.228605.613180.8
EH&S1175000233736.4197540136768.87151.43295.2
Population44256641676
percent
Pam modelBuilding Size15175302.358434.14.7860907598
Fire Sprinklers15175302.3146085.2511.9652268995
Campus Management Programs15175302.3116868.29.5721815196
Fire System Supervision10116868.2116868.29.5721815196
Construction Classification10116868.229217.052.3930453799
Occupancy Classification10116868.258434.14.7860907598
Water Supply10116868.2175302.314.3582722794
Exposure558434.1175302.314.3582722794
Fire Department Response558434.1116868.29.5721815196
Emergency Planning558434.1175302.314.3582722794
Fleet357572.9287051105
EQ164761.3494796935
Total property premium10011686821220915
35757
16476
Property Premiumspace
$731,330FY020.731330092.5
$598,171FY030.5981712.42
$1,343,113FY 041.3431132.57
$1,488,112FY051.4881123.08
$1,168,682FY061.1686823.3
percent
Pam modelAnesthia
Criminal
Behavorial
Environment
Equipment
Infection
Mediction
Medical
Obstratrician
Pederatic
Suricals
Transfer discharge
Other
Sheet1
0
0
0
0
0
0
0
0
0
0
Break down of all property premiums Premium Allocation Model, Fleet, Equipment
Med Mal
0
0
0
0
0
0
0
0
0
0
CPPP PAM Elements That Might Be Readily Influenced By EH&S Operations
Campus Management Programs15%
Emergency Planning5%
00
00
00
00
00
Property Premium
space
Premium (Millions)
Assignable Square Footage (Millions)
Projected Property Premiums
15
15
15
10
10
10
10
5
5
5
CPPP PAM Elements That Might Be Readily Influenced By EH&S Operations
Campus Management Programs15%
Emergency Planning5%
35250001175000
934945.6233736.4
186078.9434184.1
58615.2136768.8
28605.67151.4
13180.83295.2
Portion possibly influenced by EH&S activities
Portion driven by size, construction type, and physical location
Portion driven by injury frequency and severity
Portion driven by payroll and head count
Portion driven by loss frequency and severity
Portion driven by asset value
*Does not include flood premium on all buildings
Portion possibly influenced by Patient Safety
Portion driven by market conditions
Non-EH&S
EH&S
Annual Premium
Annual Property and Workforce Insurance Premiums, by Policy Type, with Proportion That Might be Potentially Influenced by EH&S Efforts (based on FY06 data)
INS lines graph
4700000Medical Malpractice
934945.6233736.4
186078.9434184.1
377508Unemployment Ins.
58615.2136768.8
110446D&O
36767Fleet
17476Equipment Floater
9625Commercial Crime
6229Endowment
200Fine Arts
Insurance policies managed by SHERM
Insurance policies managed by Legal Affairs
*Does not include flood premium on all buildings
$10K
$6K
$200
$17K
$36K
Insurance policies managed by Human Resources
Annual Premium
Universe of UTHSC-H Insurance Policies by Management Unitby Premium Cost (based on FY07 data)
INS lines graph FY09
2273973Medical Malpractice
1067737.6266934.4
100713234997
304896Unemployment Ins.
34004.67113348.9
29159D&O
38178Fleet
26950Equipment Floater
4749Commercial Crime
6229Endowment
906Fine Arts
Insurance policies managed by SHERM
Insurance policies managed by Legal Affairs
*Does not include flood premium on all buildings
$5K
$6K
$900
$27K
$39K
Insurance policies managed by Human Resources
Annual Premium
Universe of UTHSC-H Insurance Policies by Management Unitby Premium Cost (based on FY09 data)
Ins Lines
Medical Malpractice*PropertyEmployee WCResidence WCFleetEquipment Floater
Non-EH&S$3,525,000934,946186,07958,61528,60613,181
EH&S$1,175,000233,736434,184136,7697,1513,295
620,263195,3843575716476
Medical Malpractice*PropertyEmployee WCResident WCD&OFleetEquipment FloaterCommercial CrimeEndowmentFine Arts
$4,700,000$1,168,682$620,263$195,384110446$35,757$16,47696256229200
FY08Medical Malpractice*PropertyEmployee WCUnemployment Ins.Resident WCD&OFleetEquipment FloaterCommercial CrimeEndowmentFine Arts
$4,700,000$934,946$186,079377508$58,615110446$36,767$17,47696256229200
EH&S$233,736.40$434,184.10$136,768.80
FY09Medical Malpractice*PropertyEmployee WCUnemployment Ins.Resident WCD&OFleetEquipment FloaterCommercial CrimeEndowmentFine Arts
$2,273,973$1,067,738$100,713304896$34,00529159$38,178$26,95047496229906
EH&S$266,934.40$234,997.00$113,348.90
1334672335710161927
Population44256641676
percent
Pam modelBuilding Size15175302.358434.14.7860907598
Fire Sprinklers15175302.3146085.2511.9652268995
Campus Management Programs15175302.3116868.29.5721815196
Fire System Supervision10116868.2116868.29.5721815196
Construction Classification10116868.229217.052.3930453799
Occupancy Classification10116868.258434.14.7860907598
Water Supply10116868.2175302.314.3582722794
Exposure558434.1175302.314.3582722794
Fire Department Response558434.1116868.29.5721815196
Emergency Planning558434.1175302.314.3582722794
Fleet357572.9287051105
EQ164761.3494796935
Total property premium10011686821220915
Medical MalpracticeD&OCommercial Crime*PropertyEmployee WCResident WCFleetEquipment FloaterEndowmentFine Arts
$4,700,0001104469625$1,168,682$620,263$195,384$35,757$16,4766229200
35757
16476
Sheet1
FY07Medical Malpractice*PropertyEmployee WCResident WCFleetEquipment Floater
Non-EH&S$3,525,000934,946186,07958,61528,60613,181
EH&S$1,175,000233,736434,184136,7697,1513,295
620,263195,3843575716476
FY08Medical Malpractice*PropertyEmployee WCResident WCFleetEquipment Floater
Non-EH&S3525000934945.68466058615.228605.613180.8
EH&S1175000233736.4197540136768.87151.43295.2
FY09Medical Malpractice*PropertyEmployee WCResident WCFleetEquipment Floater
Non-EH&S1,067,000100,71334,00530,54221,560
EH&S1,175,000266,934234,997113,3497,6365,390
Population44256641676
percent
Pam modelBuilding Size15175302.358434.14.7860907598
Fire Sprinklers15175302.3146085.2511.9652268995
Campus Management Programs15175302.3116868.29.5721815196
Fire System Supervision10116868.2116868.29.5721815196
Construction Classification10116868.229217.052.3930453799
Occupancy Classification10116868.258434.14.7860907598
Water Supply10116868.2175302.314.3582722794
Exposure558434.1175302.314.3582722794
Fire Department Response558434.1116868.29.5721815196
Emergency Planning558434.1175302.314.3582722794
Fleet357572.9287051105
EQ164761.3494796935
Total property premium10011686821220915
35757
16476
Property Premiumspace
$731,330FY020.731330092.5
$598,171FY030.5981712.42
$1,343,113FY 041.3431132.57
$1,488,112FY051.4881123.08
$1,168,682FY061.1686823.3
percent
Pam modelAnesthia
Criminal
Behavorial
Environment
Equipment
Infection
Mediction
Medical
Obstratrician
Pederatic
Suricals
Transfer discharge
Other
Sheet1
0.731330092.5
0.5981712.42
1.3431132.57
1.4881123.08
1.1686823.3
Property Premium
space
Premium (Millions)
Assignable Square Footage (Millions)
Projected Property Premiums
FY09
15
15
15
10
10
10
10
5
5
5
CPPP PAM Elements That Might Be Readily Influenced By EH&S Operations
Campus Management Programs15%
Emergency Planning5%
FY08
1067000266934.4
100713234997
34004.67113348.9
30542.47635.6
215605390
Portion possibly influenced by EH&S activities
Portion driven by size, construction type, and physical location
Portion driven by injury frequency and severity
Portion driven by payroll and head count
Portion driven by loss frequency and severity
Portion driven by asset value
*Does not include flood premium on all buildings
Annual Premium
Annual Property and Workforce Insurance Premiums, by Policy Type, with Proportion That Might be Potentially Influenced by EH&S Efforts (based on FY09 data)
FY07
934945.6233736.4
84660197540
58615.2136768.8
28605.67151.4
13180.83295.2
Portion possibly influenced by EH&S activities
Portion driven by size, construction type, and physical location
Portion driven by injury frequency and severity
Portion driven by payroll and head count
Portion driven by loss frequency and severity
Portion driven by asset value
*Does not include flood premium on all buildings
Annual Premium
Annual Property and Workforce Insurance Premiums, by Policy Type, with Proportion That Might be Potentially Influenced by EH&S Efforts (based on FY08 data)
FY06
934945.6233736.4
186078.9434184.1
58615.2136768.8
28605.67151.4
13180.83295.2
Portion possibly influenced by EH&S activities
Portion driven by size, construction type, and physical location
Portion driven by injury frequency and severity
Portion driven by payroll and head count
Portion driven by loss frequency and severity
Portion driven by asset value
*Does not include flood premium on all buildings
Non-EH&S
EH&S
Annual Premium
Annual Property and Workforce Insurance Premiums, by Policy Type, with Proportion That Might be Potentially Influenced by EH&S Efforts (based on FY07 data)
35250001175000
934945.6233736.4
186078.9434184.1
58615.2136768.8
28605.67151.4
13180.83295.2
Portion possibly influenced by EH&S activities
Portion driven by size, construction type, and physical location
Portion driven by injury frequency and severity
Portion driven by payroll and head count
Portion driven by loss frequency and severity
Portion driven by asset value
*Does not include flood premium on all buildings
Portion possibly influenced by Patient Safety
Portion driven by market conditions
Non-EH&S
EH&S
Annual Premium
Annual Property and Workforce Insurance Premiums, by Policy Type, with Proportion That Might be Potentially Influenced by EH&S Efforts (based on FY06 data)
UTHSC-H Employee Injury Reports and Workers Compensation Insurance Premium Trends, FY01 to 09Note: insurance premium influenced predominantly by market conditions, employee census, employee payroll, and injury frequency and severityOversight by SHERM$1,893,572 in total premium savings since FY03188 fewer reported injury events compared to FY 03105 fewer injuries requiring medical compared to FY 03- $123,753- $293,331- $568,998- $348,718- $558,772
$227,000 in RAP reduction in FY09 as compared to peak of $436,100 in FY07
UTHSC-H Residents Injury Reports and Workers Compensation Insurance Premium Trends, FY03 to 10Note: insurance premium influenced predominantly by market conditions, employee census, employee payroll, and injury frequency and severityAnnual policy premium reduction from FY09 to FY10 of $6,000Oversight by SHERM$80,000 in total premium savings since peak in FY06Increase due predominantly to needlesticks. Targeted investigation and interventions underway
Total of $124,581 in dividend payments since SHERM oversight
Workers Compensation Insurance Premium Adjustment for UTS Health Components Fiscal Years 2003 to 2009(discount premium rating as compared to a baseline of 1, three year rolling average adjusts rates for subsequent year)UT HSC Tyler (0.09)UT Medical Branch Galveston (0.16)UT HSC San Antonio (0.12)UT Southwestern Dallas (0.17)UT HSC Houston (0.09)UT MD Anderson Cancer Center (0.05)Oversight by SHERM
Projected Workers Compensation Insurance Premium Adjustment for UTS Health Components for Fiscal Year 2013(discount premium rating as compared to a baseline of 1, three year rolling average adjusts rates for subsequent year)
Projected highest in class premium adjustment 0.20
Projected lowest in class premium adjustment 0.05
Projected poorest UTHSCH performance 0.12
Steady state UTHSCH performance 0.09
Projected best UTHSCH performance 0.07
Possible Range of Annual WCI Premium (Assuming no change in population, payroll, or other influencing factors)
Estimated Premium2010201120122013Upper bound similar to UTMB/UT Southwestern$363,000(+$25,000)$388,000(+$50,000)$413,000(+$75,000)No Change$338,000$ 338,000$ 338,000$ 338,000Lower bound similar to UTMDACC$313,000(-$25,000)$288,000(-$50,000)$263,00(-$75,000)
*MHH Increase in BI coverage from FY08-FY09, $49MM to $75MM FY09 Premium reduced by $290K, due to scheduled risk control measures (robust EMP, flood doors, training, etc.) and risk based loss estimates.
Chart1
7295646135490
7490317390820
3450598236230
42902351809570000
229612460040398277
256233.507234698269000810640
Limited Wind and Flood Coverage for MSB only, economically obtainable in 2007
Fire & All other Perils
Wind & Flood Self Insurance
Newly Comercailly Availible, Wind & Flood Reinsurance
Year of Coverage
Premium
UTHSC-H Comprehensive Property Protection Program (CPPP) Insurance PremiumTotal FY09 Premium $1,338,001
Chart2
00.50.2550100
00.50.2550100
FEMA NFIP- $500 Dedictible, $500,000 Structer & $500,000 Contents
UTHSC Retntion- $250,000 Dedictible
UTS Pool- 40% Debit Repaid by Instution Experince loss, 60% Shared by UTS Instutions
Policy Year
Coverage (Millions)
CPPP Wind and Flood Policies 2007 - 2008
Sheet6
Sheet1
Insurance Line Managed by SHERMFY08FY09Annual Change (%)
Worker's Comp-Employees327,644337,8703%
Worker's Comp-Residents175,799167,751-5%
General Liability-CDC5,5505,8285%
Endowment Policy20,76322,83910%
Fine Arts - Multiple Locations90599610%
Mobile Diagnostic Equipment5,3015,5665%
Auto Physical Damage18,52221,30015%
Auto - Hired/Non Owned2,0722,38315%
Auto Liability16,58719,07515%
Property-Fire & AOP Premium incl Fees155,800229,61147%
Property-Named Windstorm & 100-Yr Flood823,623872,7796%
Equipment Policy24,85820,763-16%
Total Cost of Risk Transfer1,577,4241,706,7608%
FY08 to FY09 Premium Increase129,336
General Liability-UTHSC Hou Child Dev.7189.085549.741.0677514378
Endowment Policy712914741-0.0956263899
General Liability Policy (Camp Program)404.73660.0369783413
Blanket Accident Policy (Camp Program)473.25490.750.0918367347
Accident Policy - Tender Loving Care Program485.1529.65-0.1713664514
Excess Volunteer Liability - HSC Houston303.56251.543.2134883721
Fine Arts - Multiple Locations215905.9-0.1564290261
Mobile Diagnostic Equipment62845301-0.1573581268
Auto Physical Damage21981.0718522.17-0.2430496944
Auto - Hired/Non Owned2736.932071.72-0.0530562356
Auto Liability (Systemwide)17516.3216586.971.0409486041
Commercial Crime9256.9718893-0.0574307807
Directors & Officers Liability1104461041030.4895892169
Property-Fire & AOP Premium incl Fees1558002320780.0170520249
Property - Fire & AOP - Self-Insurance & Replenishments163441166228-0.4785441883
Property-Named Windstorm & 100-Yr Flood823623429483-0.1647574222
Equipment Policy2485820762.46-0.233169927
Policy Premium Total1352142.981036863.9
315279.08
0.233169927
NFIP TWIAInstutiona deductibledebt servicecommercial coverage
2007 W&F$0.50$0.25$50$100
2008 W&F$0.50$0.25$50$100
Sheet2
Fire & All other PerilsWind & Flood Self InsuranceNewly Comercailly Availible, Wind & Flood Reinsurance
2004$729,564$613,549$0
2005$749,031$739,082$0
2006$345,059$823,623$0
2007$429,023$518,095$70,000
2008$229,612$460,040$398,277
2009$256,234$269,000$810,640
Sheet3
Sheet4
Sheet5
- Losses Incurred but covered by UTS Comprehensive Property Protection Program
The CPPP did not experience any losses from UTHSC-H
- Losses incurred but covered by third party
Metro Bus damage to the Ross Sterling Breezeway atMSB, $25,000
- Retained Losses
Hurricane Dolly estimated loss to UTHSC-H Brownsville,RAHC $125,000
Eight of twelve retained losses were water related lossesat an average cost of $1900 per loss
*Not inclusive of any recorded capital assets inventory irregularities. For additional information contact UTHSC-H Capital Assets Management**Estimate based on replacement cost of damaged property
Sheet fy08
39458NSHFire suppression system21005000Leak from contractor installed sprinkler piping.
39469MSBWater leakGreen hallway200250Water fountain was stuck in the on position
39469RRFWater leakR533, R433, R3336002500Drinking water system backed up and caused the loss
39483MSEWater leakR50750Backflow prevented leaked above autoclave in interstitial space
39508MSESprinkler head leakRM417250100Water leak from a sprinkler head.
39561MSBBus accidentExt of building-25000Metro Bus impacted the side of the breasway
39583UCTWater LeakBasement near bank20002000Water backed up from a sump pump.
39652NSHWater Leak3000
RAHCDolly SPH BrownsvilleNa4000125000
Hurricane Dolly125000
Theft65418water
Vehicle Related250008000.00
Water Related26850.00250.00
Criminal Mischief37022500.00
2000.00
245970100.00
2000.00
5000.00
2000.00
5000.00
FY08
125000
65418
25000
26850
3702
Retained Property Loss Summary By Peril(Total FY08 losses by cause and amount in dollars, Total Loss~$245,970)*
FY08 Property Losses
Theft**
Criminal Mischief**
Hurricane Dolly (RAHC)
Metro Bus
Water Related
FY06
231000
10000
15000
7000
20000
17042
90113.82
*Not inclusive of any recorded Capitol Assets inventory irregularities. For additional information contact UTHSC-H Capitol Assets Team
UTHSC-H Retained Loss Summary for FY06(Total FY06 losses by cause and amount in dollars, Total Loss~$390,000)*
Chilled Water Line Leak, $231,000 (58%)
Theft, $90,000 (27%)
Sewage Line Clog, $10,000 (3%)
Breach of Building Envelope, $15,000 (5%)
Building Electrical Disruption, $20,000 (6%)
Burglary, Vandalism, Forgery, $17,000 (5%)
Other Loss, $7,000 (2%)
FY07
125
3150
3702
7500
65418
566000
*Not inclusive of any recorded Capitol Assets inventory irregularities. For additional information contact UTHSC-H Capitol Assets Management
**Currently persuing subrogation to at fault contractor for a total loss of $460,000
- Losses Incurred but covered by UTS Comprehensive Property Protection Program
MSB sprinkler activatition total loss $460,000 ($250,000 retained by deductible)**
- Losses incurred by but covered by 3rd party
RRF Fire $10-$14 Million (Potetinal to retain $1-$3M)
- Retained Losses
MSI water leak $210,000
Theft the month of Septemeber experienced nearly $40,000 in losses
Did not experience any losses due electrical power disruption
Retained Property Loss Summary By Peril(Total FY07 losses by cause and amount in dollars, Total Loss~$645,895)*
FY07 Property Losses
Burglary
*Not inclusive of any recorded capital assets inventory irregularities. For additional information contact UTHSC-H Capital Assets Management**Estimate based on replacement cost of damaged property
Chart1
256000FY06107155.82FY06FY06FY06027000FY06
356000FY0769245FY0711000FY07FY07FY07FY07
268501250006541825000FY08FY08FY08FY08FY08
Water Related
Hurricane Dolly
Theft**
Metro Bus
Other Loss
Breach of Building Envelope
Other Loss
Retained Property Loss Summary by Peril, FY06 to FY08*
Sheet fy08
39458NSHFire suppression system21005000Leak from contractor installed sprinkler piping.
39469MSBWater leakGreen hallway200250Water fountain was stuck in the on position
39469RRFWater leakR533, R433, R3336002500Drinking water system backed up and caused the loss
39483MSEWater leakR50750Backflow prevented leaked above autoclave in interstitial space
39508MSESprinkler head leakRM417250100Water leak from a sprinkler head.
39561MSBBus accidentExt of building-25000Metro Bus impacted the side of the breasway
39583UCTWater LeakBasement near bank20002000Water backed up from a sump pump.
39652NSHWater Leak3000
RAHCDolly SPH BrownsvilleNa4000125000
water
8000.00
250.00
2500.00
2000.00
100.00
2000.00
5000.00
2000.00
5000.00
FY06FY07FY08
Water Related256,000356,00026,850
Hurricane Dolly125,000
Theft**107,15669,24565,418
Metro Bus25,000
Other Loss11,000
Breach of Building Envelope0.0
Other Loss27,000
FY07
Burglary125
Environmental3150
Criminal Mischief3702
Fire7500
Theft65418
Water Related566000
FY06
Chilled Water Line Leak231000
Sewage Line Clog10000
Breach of Building Envelope15000
Other Loss7000
Electrical Disruption20000
Burglary, Vandalism, Forgery17042
Theft90113.82
FY08
Water Related
Hurricane Dolly
*Not inclusive of any recorded Capitol Assets inventory irregularities. For additional information contact UTHSC-H Capitol Assets Management
- Losses Incurred but covered by UTS Comprehensive Property Protection Program
Hurricane Dolly estimated loss to UTHSC-H Brownsville, RAHC $125,000
- Losses incurred by but covered by third party
Metro Bus damage the Ross Sterling Beasway at MSB, $25,000
- Retained Losses
Did not experience any losses due electrical power disruption
Retained Property Loss Summary By Peril(Total FY08 losses by cause and amount in dollars, Total Loss~$245,970)*
**Estimate based on replacement cost of damaged property
FY08 Property Losses
Water Related
Metro Bus
Hurricane Dolly
Criminal Mischief**
Theft**
FY07
125
3150
3702
7500
65418
356000
*Not inclusive of any recorded Capitol Assets inventory irregularities. For additional information contact UTHSC-H Capitol Assets Management
**Currently persuing subrogation to at fault contractor for a total loss of $460,000
- Losses Incurred but covered by UTS Comprehensive Property Protection Program
MSB sprinkler activatition total loss $460,000 ($250,000 retained by deductible)**
- Losses incurred by but covered by 3rd party
RRF Fire $10-$14 Million (Potetinal to retain $1-$3M)
- Retained Losses
MSI water leak $210,000
Theft the month of Septemeber experienced nearly $40,000 in losses
Did not experience any losses due electrical power disruption
Retained Property Loss Summary By Peril(Total FY07 losses by cause and amount in dollars, Total Loss~$645,895)*
FY07 Property Losses
Burglary
Help Avoid the 3 Main Causes of Property Loss at UTHSC-H
The three main causes of property loss at UTHSC-H in FY06 were water leaks, theft, and electrical power interruption. These three perils resulted in over $331,000 in direct loss and untold disruption to teaching, research, and service activities. The deductible for the UTS Comprehensive Property Protection Program is $250,000 per occurrence, in FY06 none of the losses exceeded the per occurrence deductible, however the sum of retained losses exceeded the deductible by $140,000. In special cases additional insurance can be purchased*. Summarized below are simple steps that can be taken to avoid such losses.
*Information about the purchase of additional insurance can be obtained by contacting Risk Management; 713-500-8100.
Potential For LossSimple Prevention MeasuresFor more information and assistanceWater DamageWater damage accounted for $221,000 of loss in FY06. Water can enter a lab or office from the same floor or from the floor above.Move equipment off of the floor and cover when not in use. Evaluate possible purchase of supplemental insurance for certain types of equipment*Contact Facilities Planning and Engineering for more information, (713)500-3498.TheftTheft accounted for $90,114 of loss in FY06, the majority of which were theft of laptops, PDAs and cell phones. Secure laptops, PDAs, or cellular phones. Always backup data and keep it in a physically separate location. For more information about how to lock a PC or laptop: http://www.uth.tmc.edu/med/msit/howdoi/physical_security.htmEvaluate possible purchase of supplemental insurance for certain types of equipment*Contact University of Texas Police Department for more information, (713)794-4357.Electrical Power InterruptionElectrical power disruption accounted for $20,000 worth direct losses in FY06. However this is not reflective of the loss of priceless research specimens. Ensure that all critical equipment has backup power or has the ability to alert local personnel when power or temperature is disrupted. The production of duplicate or split samples is encouraged. Finally, some buildings are equipped with the necessary infrastructure to provide monitoring of temperature. Contact Facilities Planning and Engineering for more information, (713)500-3498.
Enhanced Risk Assessment & Control ServicesServices ProvidedInstitutional exposures objectively ranked by value exposed to loss; revenue, expenses, and total assets
Targeted analysis on specific risk exposures and the development of risk control techniques to mitigate loss, provide assistance with installation, and implementation
Assess and analyze existing and potential risk financing options
Assist in development of customized Business Continuity Plan for unit
Inventory and document assets to facilitate recovery in event of loss
Units Served to DateGulf Coast Hemophilia, Neurobiology and Anatomy, Microbiology and Molecular Genetics, and The Biotechnology Center
Other Policies*Not Inclusive of current SHERM administrative processing fee of $0.46SHERMSHERM
Equipment FloaterRate(per $100 of insured value)Total Insured ValueAnnual PremiumFY03$0.42*$4,600,788$19,390FY04$0.49*$3,083,582$15,204FY05$0.42*$4,017,404$16,870FY06$0.46*$3,581,709$16,476FY07$0.54*$3,983,875$23,414FY08$0.54*$3,487,380$19,782
Fleet InsuranceLiabilityComp/CollLossesPremiumFY03$189$334$96,052$43,322FY04$169$349$2,610$37,508FY05$234$434$20,074$40,443FY06$230$412$905$38,202FY07$230$418$846$42,234FY08$252$459$6,518$37,181
Other Policies*For Liability only at 1246 FM Hwy 102, Eagle Lake, TX -$5,735 - $2,558 for property deletion 8/31/2004**For Liability only at 1133 John Freeman Boulevard - The property was added 06/01/2006 premium pro-rata
Fine Arts Limit based PremiumLossesAnnual PremiumFY05$500,000$0$2,689FY06$500,000$0$200FY07$500,000$0$215FY08$500,000$0$906
Endowment Policy (Property and Liability)Total Insured ValueLosesAnnual PremiumFY05*$5,462$0$3,177FY06$0$0$0FY07**$53,254$0$2,746FY08**$53,254$0$7,129
Cost of Risk Transfer *NFIP places policies on individual locations, such as UT Apts *Paid out of the Named Windstorm & 100-Yr Flood
Policy FY08 PaidFY09 Estimated or PaidChangeNet ChangeEmployee WC $ 324,477 $ 335,710 3% $ 11,233 Resident WC $ 167,761 $ 161,927 -3% $ (5,834)Fine Arts - Multiple Locations $ 1,000 $ 1,000 0% $ - Mobile Diagnostic Equipment $ 5,301 $ 5,566 5% $ 265 Auto $ 37,181 $ 38,178 3% $ 997 CPPP Fire & AOP Premium $ 229,612 $ 256,234 12% $ 26,622 CPPP Named Windstorm & 100-Yr Flood* $ 474,502 $ 268,375 -43% $ (206,127)Commercial Named Windstorm & 100-Yr Flood $ 398,277 $ 810,064 103% $ 411,787 Equipment Policy $ 19,782 $ 26,950 36% $ 7,168 Policy Premium Total $ 1,657,893 $ 1,904,004 15% $ 246,111
Discussion ItemsDespite best management efforts, market conditions and UT System loss experience have increased wind and flood premiums by 56%
Due to these changes, RMI suggests consideration of removal of all NFIP and TWIA coverage that is not required by the CPPP and resides outside the 500yr floodplain. Projected savings of $75,000
Current status of retained loss pool?
Despite continual reductions in WCI losses, rebate amounts continue to diminish. The Employee Health program will likely require an additional $70,000/yr to meet UTHSC-Hs employee health obligations to make up for the shortfall.
Appendix A
INS lines graph
2479464Medical Malpractice
881898.4220474.6
399080Unemployment Ins.
98400229600
52560122640
104103D&O
36767Fleet
17476Equipment Floater
18893Commercial Crime
6229Endowment
200Fine Arts
Insurance policies managed by SHERM
Insurance policies managed by Legal Affairs
*Does not include flood premium on all buildings
$19K
$7K
$1K
$23K
$40K
Insurance policies managed by Human Resources
Annual Premium
Universe of UTHSC-H Insurance Policies by Total Premium Cost and Management Unit (based on FY08 data)
Ins Lines
Medical Malpractice*PropertyEmployee WCResidence WCFleetEquipment Floater
Non-EH&S$3,525,000881,91267,60035,20029,74515,826
EH&S$1,175,000220,461270,400140,0007,4363,956
620,263195,3843718119782
Medical Malpractice*PropertyEmployee WCResident WCD&OFleetEquipment FloaterCommercial CrimeEndowmentFine Arts
$2,479,464$1,102,373$338,000$175,200104103$37,181$19,78296256229200
Medical Malpractice*PropertyUnemployment Ins.Employee WCResident WCD&OFleetEquipment FloaterCommercial CrimeEndowmentFine Arts
$2,479,464$881,898399080$98,400$52,560104103$36,767$17,476188936229200
EH&S$220,474.60$229,600.00$122,640.00
84660328000
$197,540
Population44256641676
percent
Pam modelBuilding Size15175302.358434.14.7860907598
Fire Sprinklers15175302.3146085.2511.9652268995
Campus Management Programs15175302.3116868.29.5721815196
Fire System Supervision10116868.2116868.29.5721815196
Construction Classification10116868.229217.052.3930453799
Occupancy Classification10116868.258434.14.7860907598
Water Supply10116868.2175302.314.3582722794
Exposure558434.1175302.314.3582722794
Fire Department Response558434.1116868.29.5721815196
Emergency Planning558434.1175302.314.3582722794
Fleet357572.9287051105
EQ164761.3494796935
Total property premium10011686821220915
Medical MalpracticeD&OCommercial Crime*PropertyEmployee WCResident WCFleetEquipment FloaterEndowmentFine Arts
$4,700,0001104469625$1,168,682$620,263$195,384$35,757$16,4766229200
35757
16476
Chart1
934945.6233736.4
186078.9434184.1
58615.2136768.8
28605.67151.4
13180.83295.2
Portion possibly influenced by EH&S activities
Portion driven by size, construction type, and physical location
Portion driven by injury frequency and severity
Portion driven by payroll and head count
Portion driven by loss frequency and severity
Portion driven by asset value
*Does not include flood premium on all buildings
Non-EH&S
EH&S
Annual Premium
Annual Property and Workforce Insurance Premiums, by Policy Type, with Proportion That Might be Potentially Influenced by EH&S Efforts (based on FY06 data)
Sheet1
Medical Malpractice*PropertyEmployee WCResidence WCFleetEquipment Floater
Non-EH&S$3,525,000934,946186,07958,61528,60613,181
EH&S$1,175,000233,736434,184136,7697,1513,295
620,263195,3843575716476
Population44256641676
percent
Pam modelBuilding Size15175302.358434.14.7860907598
Fire Sprinklers15175302.3146085.2511.9652268995
Campus Management Programs15175302.3116868.29.5721815196
Fire System Supervision10116868.2116868.29.5721815196
Construction Classification10116868.229217.052.3930453799
Occupancy Classification10116868.258434.14.7860907598
Water Supply10116868.2175302.314.3582722794
Exposure558434.1175302.314.3582722794
Fire Department Response558434.1116868.29.5721815196
Emergency Planning558434.1175302.314.3582722794
Fleet357572.9287051105
EQ164761.3494796935
Total property premium10011686821220915
35757
16476
Property Premiumspace
$731,330FY020.731330092.5
$598,171FY030.5981712.42
$1,343,113FY 041.3431132.57
$1,488,112FY051.4881123.08
$1,168,682FY061.1686823.3
percent
Pam modelAnesthia
Criminal
Behavorial
Environment
Equipment
Infection
Mediction
Medical
Obstratrician
Pederatic
Suricals
Transfer discharge
Other
Sheet1
15
15
15
10
10
10
10
5
5
5
Break down of all property premiums Premium Allocation Model, Fleet, Equipment
Med Mal
15
15
15
10
10
10
10
5
5
5
CPPP PAM Elements That Might Be Readily Influenced By EH&S Operations
Campus Management Programs15%
Emergency Planning5%
0.731330092.5
0.5981712.42
1.3431132.57
1.4881123.08
1.1686823.3
Property Premium
space
Premium (Millions)
Assignable Square Footage (Millions)
Projected Property Premiums
0
0
0
0
0
0
0
0
0
0
CPPP PAM Elements That Might Be Readily Influenced By EH&S Operations
Campus Management Programs15%
Emergency Planning5%
35250001175000
934945.6233736.4
186078.9434184.1
58615.2136768.8
28605.67151.4
13180.83295.2
Portion possibly influenced by EH&S activities
Portion driven by size, construction type, and physical location
Portion driven by injury frequency and severity
Portion driven by payroll and head count
Portion driven by loss frequency and severity
Portion driven by asset value
*Does not include flood premium on all buildings
Portion possibly influenced by Patient Safety
Portion driven by market conditions
Non-EH&S
EH&S
Annual Premium
Annual Property and Workforce Insurance Premiums, by Policy Type, with Proportion That Might be Potentially Influenced by EH&S Efforts (based on FY06 data)
*MHH Increase in BI coverage from FY08-FY09, $49MM to $75MM FY09 Premium reduced by $290K, due to scheduled risk control measures (robust EMP, flood doors, training, etc.) and risk based loss estimates.
Chart1
7295646135490
7490317390820
3450598236230
42902351809570000
229612460040398277
256233.507234698269000810640
Limited Wind and Flood Coverage for MSB only, economically obtainable in 2007
Fire & All other Perils
Wind & Flood Self Insurance
Newly Comercailly Availible, Wind & Flood Reinsurance
Year of Coverage
Premium
UTHSC-H Comprehensive Property Protection Program (CPPP) Insurance PremiumTotal FY09 Premium $1,338,001
Chart2
00.50.2550100
00.50.2550100
FEMA NFIP- $500 Dedictible, $500,000 Structer & $500,000 Contents
UTHSC Retntion- $250,000 Dedictible
UTS Pool- 40% Debit Repaid by Instution Experince loss, 60% Shared by UTS Instutions
Policy Year
Coverage (Millions)
CPPP Wind and Flood Policies 2007 - 2008
Sheet6
Sheet1
Insurance Line Managed by SHERMFY08FY09Annual Change (%)
Worker's Comp-Employees327,644337,8703%
Worker's Comp-Residents175,799167,751-5%
General Liability-CDC5,5505,8285%
Endowment Policy20,76322,83910%
Fine Arts - Multiple Locations90599610%
Mobile Diagnostic Equipment5,3015,5665%
Auto Physical Damage18,52221,30015%
Auto - Hired/Non Owned2,0722,38315%
Auto Liability16,58719,07515%
Property-Fire & AOP Premium incl Fees155,800229,61147%
Property-Named Windstorm & 100-Yr Flood823,623872,7796%
Equipment Policy24,85820,763-16%
Total Cost of Risk Transfer1,577,4241,706,7608%
FY08 to FY09 Premium Increase129,336
General Liability-UTHSC Hou Child Dev.7189.085549.741.0677514378
Endowment Policy712914741-0.0956263899
General Liability Policy (Camp Program)404.73660.0369783413
Blanket Accident Policy (Camp Program)473.25490.750.0918367347
Accident Policy - Tender Loving Care Program485.1529.65-0.1713664514
Excess Volunteer Liability - HSC Houston303.56251.543.2134883721
Fine Arts - Multiple Locations215905.9-0.1564290261
Mobile Diagnostic Equipment62845301-0.1573581268
Auto Physical Damage21981.0718522.17-0.2430496944
Auto - Hired/Non Owned2736.932071.72-0.0530562356
Auto Liability (Systemwide)17516.3216586.971.0409486041
Commercial Crime9256.9718893-0.0574307807
Directors & Officers Liability1104461041030.4895892169
Property-Fire & AOP Premium incl Fees1558002320780.0170520249
Property - Fire & AOP - Self-Insurance & Replenishments163441166228-0.4785441883
Property-Named Windstorm & 100-Yr Flood823623429483-0.1647574222
Equipment Policy2485820762.46-0.233169927
Policy Premium Total1352142.981036863.9
315279.08
0.233169927
NFIP TWIAInstutiona deductibledebt servicecommercial coverage
2007 W&F$0.50$0.25$50$100
2008 W&F$0.50$0.25$50$100
Sheet2
Fire & All other PerilsWind & Flood Self InsuranceNewly Comercailly Availible, Wind & Flood Reinsurance
2004$729,564$613,549$0
2005$749,031$739,082$0
2006$345,059$823,623$0
2007$429,023$518,095$70,000
2008$229,612$460,040$398,277
2009$256,234$269,000$810,640
Sheet3
Sheet4
Sheet5
- Losses Incurred but covered by UTS Comprehensive Property Protection Program
The CPPP did not experience any losses from UTHSC-H
- Losses incurred but covered by third party
Metro Bus damage to the Ross Sterling Breezeway atMSB, $25,000
- Retained Losses
Hurricane Dolly estimated loss to UTHSC-H Brownsville,RAHC $125,000
Eight of twelve retained losses were water related lossesat an average cost of $1900 per loss
*Not inclusive of any recorded capital assets inventory irregularities. For additional information contact UTHSC-H Capital Assets Management**Estimate based on replacement cost of damaged property
Sheet fy08
39458NSHFire suppression system21005000Leak from contractor installed sprinkler piping.
39469MSBWater leakGreen hallway200250Water fountain was stuck in the on position
39469RRFWater leakR533, R433, R3336002500Drinking water system backed up and caused the loss
39483MSEWater leakR50750Backflow prevented leaked above autoclave in interstitial space
39508MSESprinkler head leakRM417250100Water leak from a sprinkler head.
39561MSBBus accidentExt of building-25000Metro Bus impacted the side of the breasway
39583UCTWater LeakBasement near bank20002000Water backed up from a sump pump.
39652NSHWater Leak3000
RAHCDolly SPH BrownsvilleNa4000125000
Hurricane Dolly125000
Theft65418water
Vehicle Related250008000.00
Water Related26850.00250.00
Criminal Mischief37022500.00
2000.00
245970100.00
2000.00
5000.00
2000.00
5000.00
FY08
125000
65418
25000
26850
3702
Retained Property Loss Summary By Peril(Total FY08 losses by cause and amount in dollars, Total Loss~$245,970)*
FY08 Property Losses
Theft**
Criminal Mischief**
Hurricane Dolly (RAHC)
Metro Bus
Water Related
FY06
231000
10000
15000
7000
20000
17042
90113.82
*Not inclusive of any recorded Capitol Assets inventory irregularities. For additional information contact UTHSC-H Capitol Assets Team
UTHSC-H Retained Loss Summary for FY06(Total FY06 losses by cause and amount in dollars, Total Loss~$390,000)*
Chilled Water Line Leak, $231,000 (58%)
Theft, $90,000 (27%)
Sewage Line Clog, $10,000 (3%)
Breach of Building Envelope, $15,000 (5%)
Building Electrical Disruption, $20,000 (6%)
Burglary, Vandalism, Forgery, $17,000 (5%)
Other Loss, $7,000 (2%)
FY07
125
3150
3702
7500
65418
566000
*Not inclusive of any recorded Capitol Assets inventory irregularities. For additional information contact UTHSC-H Capitol Assets Management
**Currently persuing subrogation to at fault contractor for a total loss of $460,000
- Losses Incurred but covered by UTS Comprehensive Property Protection Program
MSB sprinkler activatition total loss $460,000 ($250,000 retained by deductible)**
- Losses incurred by but covered by 3rd party
RRF Fire $10-$14 Million (Potetinal to retain $1-$3M)
- Retained Losses
MSI water leak $210,000
Theft the month of Septemeber experienced nearly $40,000 in losses
Did not experience any losses due electrical power disruption
Retained Property Loss Summary By Peril(Total FY07 losses by cause and amount in dollars, Total Loss~$645,895)*
FY07 Property Losses
Burglary
*Not inclusive of any recorded capital assets inventory irregularities. For additional information contact UTHSC-H Capital Assets Management**Estimate based on replacement cost of damaged property
Chart1
256000FY06107155.82FY06FY06FY06027000FY06
356000FY0769245FY0711000FY07FY07FY07FY07
268501250006541825000FY08FY08FY08FY08FY08
Water Related
Hurricane Dolly
Theft**
Metro Bus
Other Loss
Breach of Building Envelope
Other Loss
Retained Property Loss Summary by Peril, FY06 to FY08*
Sheet fy08
39458NSHFire suppression system21005000Leak from contractor installed sprinkler piping.
39469MSBWater leakGreen hallway200250Water fountain was stuck in the on position
39469RRFWater leakR533, R433, R3336002500Drinking water system backed up and caused the loss
39483MSEWater leakR50750Backflow prevented leaked above autoclave in interstitial space
39508MSESprinkler head leakRM417250100Water leak from a sprinkler head.
39561MSBBus accidentExt of building-25000Metro Bus impacted the side of the breasway
39583UCTWater LeakBasement near bank20002000Water backed up from a sump pump.
39652NSHWater Leak3000
RAHCDolly SPH BrownsvilleNa4000125000
water
8000.00
250.00
2500.00
2000.00
100.00
2000.00
5000.00
2000.00
5000.00
FY06FY07FY08
Water Related256,000356,00026,850
Hurricane Dolly125,000
Theft**107,15669,24565,418
Metro Bus25,000
Other Loss11,000
Breach of Building Envelope0.0
Other Loss27,000
FY07
Burglary125
Environmental3150
Criminal Mischief3702
Fire7500
Theft65418
Water Related566000
FY06
Chilled Water Line Leak231000
Sewage Line Clog10000
Breach of Building Envelope15000
Other Loss7000
Electrical Disruption20000
Burglary, Vandalism, Forgery17042
Theft90113.82
FY08
Water Related
Hurricane Dolly
*Not inclusive of any recorded Capitol Assets inventory irregularities. For additional information contact UTHSC-H Capitol Assets Management
- Losses Incurred but covered by UTS Comprehensive Property Protection Program
Hurricane Dolly estimated loss to UTHSC-H Brownsville, RAHC $125,000
- Losses incurred by but covered by third party
Metro Bus damage the Ross Sterling Beasway at MSB, $25,000
- Retained Losses
Did not experience any losses due electrical power disruption
Retained Property Loss Summary By Peril(Total FY08 losses by cause and amount in dollars, Total Loss~$245,970)*
**Estimate based on replacement cost of damaged property
FY08 Property Losses
Water Related
Metro Bus
Hurricane Dolly
Criminal Mischief**
Theft**
FY07
125
3150
3702
7500
65418
356000
*Not inclusive of any recorded Capitol Assets inventory irregularities. For additional information contact UTHSC-H Capitol Assets Management
**Currently persuing subrogation to at fault contractor for a total loss of $460,000
- Losses Incurred but covered by UTS Comprehensive Property Protection Program
MSB sprinkler activatition total loss $460,000 ($250,000 retained by deductible)**
- Losses incurred by but covered by 3rd party
RRF Fire $10-$14 Million (Potetinal to retain $1-$3M)
- Retained Losses
MSI water leak $210,000
Theft the month of Septemeber experienced nearly $40,000 in losses
Did not experience any losses due electrical power disruption
Retained Property Loss Summary By Peril(Total FY07 losses by cause and amount in dollars, Total Loss~$645,895)*
FY07 Property Losses
Burglary
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