Safety, Health, Environment & Risk Management Risk Finance Summary for Work Force & Property Exposures: FY08 Experience and FY09 Projections.

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


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








Non-EH&S

EH&S

Annual Premium


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


Non-EH&S3525000934945.68466058615.228605.613180.8

EH&S1175000233736.4197540136768.87151.43295.2


percent


Fire Sprinklers15175302.3146085.2511.9652268995





Water Supply10116868.2175302.314.3582722794

Exposure558434.1175302.314.3582722794



Fleet357572.9287051105

EQ164761.3494796935


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




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




35250001175000

934945.6233736.4

186078.9434184.1

58615.2136768.8

28605.67151.4

13180.83295.2








Portion possibly influenced by Patient Safety

Portion driven by market conditions

Non-EH&S

EH&S

Annual Premium


INS lines graph


934945.6233736.4

186078.9434184.1


58615.2136768.8

110446D&O

36767Fleet



6229Endowment

200Fine Arts




$10K

$6K

$200

$17K

$36K


Annual Premium


INS lines graph FY09


1067737.6266934.4

100713234997


34004.67113348.9

29159D&O

38178Fleet



6229Endowment

906Fine Arts




$5K

$6K

$900

$27K

$39K


Annual Premium


Ins Lines


Non-EH&S$3,525,000934,946186,07958,61528,60613,181

EH&S$1,175,000233,736434,184136,7697,1513,295

620,263195,3843575716476


$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


percent


Fire Sprinklers15175302.3146085.2511.9652268995





Water Supply10116868.2175302.314.3582722794

Exposure558434.1175302.314.3582722794



Fleet357572.9287051105

EQ164761.3494796935



$4,700,0001104469625$1,168,682$620,263$195,384$35,757$16,4766229200

35757

16476

Sheet1


Non-EH&S$3,525,000934,946186,07958,61528,60613,181

EH&S$1,175,000233,736434,184136,7697,1513,295

620,263195,3843575716476


Non-EH&S3525000934945.68466058615.228605.613180.8

EH&S1175000233736.4197540136768.87151.43295.2


Non-EH&S1,067,000100,71334,00530,54221,560

EH&S1,175,000266,934234,997113,3497,6365,390


percent


Fire Sprinklers15175302.3146085.2511.9652268995





Water Supply10116868.2175302.314.3582722794

Exposure558434.1175302.314.3582722794



Fleet357572.9287051105

EQ164761.3494796935


35757

16476


$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)



FY09

15

15

15

10

10

10

10

5

5

5




FY08

1067000266934.4

100713234997

34004.67113348.9

30542.47635.6

215605390








Annual Premium


FY07

934945.6233736.4

84660197540

58615.2136768.8

28605.67151.4

13180.83295.2








Annual Premium


FY06

934945.6233736.4

186078.9434184.1

58615.2136768.8

28605.67151.4

13180.83295.2








Non-EH&S

EH&S

Annual Premium


35250001175000

934945.6233736.4

186078.9434184.1

58615.2136768.8

28605.67151.4

13180.83295.2










Non-EH&S

EH&S

Annual Premium


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


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



Burglary


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










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



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



**Estimate based on replacement cost of damaged property


Water Related

Metro Bus

Hurricane Dolly

Criminal Mischief**

Theft**

FY07

125

3150

3702

7500

65418

356000







- Retained 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


881898.4220474.6


98400229600

52560122640

104103D&O

36767Fleet



6229Endowment

200Fine Arts




$19K

$7K

$1K

$23K

$40K


Annual Premium

Universe of UTHSC-H Insurance Policies by Total Premium Cost and Management Unit (based on FY08 data)

Ins Lines


Non-EH&S$3,525,000881,91267,60035,20029,74515,826

EH&S$1,175,000220,461270,400140,0007,4363,956

620,263195,3843718119782


$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


percent


Fire Sprinklers15175302.3146085.2511.9652268995





Water Supply10116868.2175302.314.3582722794

Exposure558434.1175302.314.3582722794



Fleet357572.9287051105

EQ164761.3494796935



$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








Non-EH&S

EH&S

Annual Premium


Sheet1


Non-EH&S$3,525,000934,946186,07958,61528,60613,181

EH&S$1,175,000233,736434,184136,7697,1513,295

620,263195,3843575716476


percent


Fire Sprinklers15175302.3146085.2511.9652268995





Water Supply10116868.2175302.314.3582722794

Exposure558434.1175302.314.3582722794



Fleet357572.9287051105

EQ164761.3494796935


35757

16476


$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




0.731330092.5

0.5981712.42

1.3431132.57

1.4881123.08

1.1686823.3

Property Premium

space

Premium (Millions)



0

0

0

0

0

0

0

0

0

0




35250001175000

934945.6233736.4

186078.9434184.1

58615.2136768.8

28605.67151.4

13180.83295.2










Non-EH&S

EH&S

Annual Premium


*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


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


Sheet fy08










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



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







- Retained Losses






Burglary


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










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



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



**Estimate based on replacement cost of damaged property


Water Related

Metro Bus

Hurricane Dolly

Criminal Mischief**

Theft**

FY07

125

3150

3702

7500

65418

356000







- Retained Losses






Burglary

Safety, Health, Environment & Risk Management Risk Finance Summary for Work Force & Property Exposures: FY08 Experience and FY09 Projections.

Documents

ehs activitiesportion

flood premium

construction type

ehs efforts

loss frequency

injury frequency

policy type

h insurance policies