HomeMy WebLinkAbout860580.tiff RESOLUTION
RE: ADOPTION OF AMENDED SECTIONS OF THE SAFETY AND INSURANCE
POLICY OF THE ADMINISTRATIVE MANUAL AND INCORPORATION OF
SAID AMENDMENTS IN THE ADMINISTRATIVE MANUAL
WHEREAS, the Board of County Commissioners of Weld County,
Colorado, pursuant to Colorado statute and the Weld County Home
Rule Charter, is vested with the authority of administering the
affairs of Weld County, Colorado, and
WHEREAS, the Director of Finance and Administration has
prepared and presented to the Board of County Commissioners the
amended Safety and Insurance Section of the Administrative
Manual, dated July 1 , 1986 , attached hereto and incorporated
herein by reference, and
WHEREAS, the Board of County Commissioners deems it
advisable to adopt the above amended Safety and insurance
Section of the Administrative Manual dated July 1 , 1986 , and
further, to incorporate said sections into the Administrative
Manual.
NOW, THEREFORE, BE IT RESOLVED by the Board of County
Commissioners of Weld County, Colorado, that the attached
amendments to the Safety and Insurance Section of the
Administrative Manual be, and hereby are, adopted.
BE IT FURTHER RESOLVED by the Board of County Commissioners
that said amended section shall be incorporated into the
Administrative Manual and published by the Director of Finance
and Administration for dissemination to all County Departments.
The above and foregoing Resolution was, on motion duly made
and seconded, adopted by the following vote on the 25th day of
June, A.D. , 1986.
4 _L BOARD OF COUNTY COMMISSIONERS
T•ATTES (�,� 4 WELD COUNTY, COLORADO
Weld County Clerk and Recorder
and Clerk to the Board Ja que ►J,. Joh sow Chairman
ac% •-Tem
D puty County lerk I !!
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APPROVED AS TO FORM: ene R. Bran ner
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C.W. it y /
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, County Attorney �
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IIIIIIIIIIIIII: and Department Heads
To and Elected Officials Dale July 1. 1986
COLORADO From Donald D. Warden
Subiect: Updating Administrative Manual
Attached are revisions to the Safety and Insurance Section of the Administrative
Manual. Please following the instructions to update your Manual:
Remove Page(s) Dated Add Page(s) Dated
Table of Contents 12/31/80 Table of Contents 7/1/86
1 - 3 12/31/80 1 - 3.6 7/1/86
10 - 11 12/31/80 10!- .11 7/1/86
6E0530
POLICIES AND PCEDURES'
A
& \ Section SAFETY AND INSURANCE
V IVine
Subject TABLE OF CONTENTS
COLORADO Date 7/1/86 Page Table of Contents
TABLE OF CONTENTS
RISK MANAGEMENT:
PRACTICES AND PROCEDURES 1
CAPP COVERAGES 3
RESPONSIBILITY & AUTHORITY FOR LOSS CONTROL,LOSS PREVENTION & INSURANCE PROGRAMMING 4
SAFETY & LOSS PREVENTION PROCEDURES 6
ACCIDENT & CLAIM REPORTING 7
PROCEDURES FOR REPORTING ACCIDENTS & LOSSES 8
CONTRACT & LEASE REQUIREMENTS 9
PROCEDURE FOR SECURING INSURANCE 10
ALLOCATION OF INSURANCE COSTS 11
REPORTS TO BE FILED WITH DIRECTOR OF 12
FINANCE AND ADMINISTRATION
RECORDS TO BE KEPT BY THE DIRECTOR OF 13
FINANCE AND ADMINISTRATION
SAFETY MANUAL:
INTRODUCTION 14
SAFETY PROGRAM STATEMENT 15
MANAGEMENT PARTICIPATION 17
SAFETY PROGRAM RESPONSIBILITIES 21
SAFETY PROGRAM METHODS 25
OCCUPATIONAL ILLNESS & INJURY CONTROL 30
CFC 590
POLICIES AND Ph CEDURES
�1 MI
Section SAFETY AND INSURANCE
h�iDe Subject TABLE OF CONTENTS
COLORADO Date 7/1/86 Page Table of Contents
RECORDREEPING 33
FLEET SAFETY 34
EMERGENCY PROCEDURES 35
GENERAL SAFETY RULES 38
EXHIBITS:
1 - Personal Injury/Accident
Reporting System 39
2 - Job Safety Analysis 40
3 - Safety Check List 41
4 - Fire Inspection Check List 42
5 - Supervisor's Investigation Report 44
6 - Vehicle/Property Damage Reporting System 45
7 - Accident and Damage Report 46
8 - State of Colorado Report of Motor
Vehicle Accident 47
9 - Road Test 49
10 - Employer's First Report of Accident
or Occupational Disease 50
$60580
POLICIES AND PI , CEDURES
, ‘
Section SAFETY AND INSURANCE
WID Subject Practices and Procedures
COLORADO Date 7/1 /86 Page 1
PRACTICES AND PROCEDURES
A. PURPOSE: This policy statement establishes uniform procedures for
handling County of Weld liability, property, fidelity, and worker's
compensation exposures.
B. DIRECTOR OF FINANCE AND ADMINISTRATION: The Director of Finance and
Administration has the responsibility for the County's risk and
insurance management. He shall identify and treat all exposures which
could result in financial loss to the County.
C. BUDGET: The Insurance IGS Fund budget has been established to allow
payment for property, casualty, fidelity, and worker's compensation
insurance premiums, claims and losses, personnel costs, equipment
purchase and other expenses.
D. INSURANCE COVERAGES: The following policies shall be observed in
determining amounts of insurance and bonds:
1. Effective July 1, 1986 Weld County, in accordance with a
resolution adopted May 21, 1986, agreed to join Colorado Counties
Casualty and Property Pool (CAPP) under the authority of Article
XIV, Section 18(2) (a) of the Colorado Constitution, and Sections
24-10-115.5, 29-13-102, and 29-1-20 et seq. , CRS, 1973.
The insurance pool shall provide all property, liability and
fidelity coverage for the county as outlined under the CAPP
Coverage Section of this manual beginning on page 3.
2. Employee Fidelity Bond: An employee fidelity bond shall be
secured for all County employees as required by the Laws of the
State of Colorado, the Charter, ordinance or regulations of the
County of Weld, or upon recommendation of the Director of Finance
and Administration or the County Attorney's Office.
3. Worker's Compensation Insurance: Worker's Compensation shall be
provided under the County's self—insurance permit with excess
insurance limits as recommended by the Director of Finance and
Administration.
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POLICIES AND PINJCEDDRES
rilkt141-
4aSection SAFETY AND INSURANCE
VIiDcSubject Practices and Procedures
COLORADO Date 7/1/86 Page 2
4. Unemployment insurance shall be paid under the federal and state
option of the reimbursement method. The cost shall be paid out
of the self-insurance program.
5. Other Insurance: Other insurance such as boiler, medical
malpractice or any type of coverage deemed necessary by the County
shall be placed into affect. The policy limits of such coverages
shall be determined by the Director of Finance and Administration
and placed through CAPP.
E. RESPONSIBILITY: Department heads shall report to the Director of
Finance and Administration the following changes in property under
their supervision:
1 . Changes in Building Use: All changes in the use or occupancy of
buildings shall be reported. Strict observance of this
requirement is necessary since building use bears directly on
insurance rates and public liability status.
2. Razed Buildings: All razed buildings or buildings sold shall be
reported immediately to the Director of Finance and
Administration in order that insurance on such buildings can be
cancelled.
3. Changes in Equipment: In order to provide a complete record for
the insurance of equipment, department heads shall file a report
with the Director of Finance and Administration covering the
disposal and procurement of all insurable equipment.
4. Property Losses: Property losses occurring from fire or other
causes which may be recovered from an insurance company shall be
immediately reported in writing to the Director of Finance and
Administration.
5. Duties of the Director of Finance and Administration: Changes
and adjustments in insurance policies necessitated by reports
from the department heads shall be made by the Director of
Finance and Administration.
POLICIES AND PR CEDURES
rii
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4( ,,,--)
SeCtiOn SAFETY AND INSURANCE
Subject CAPP Coverages
COLORADO Date 7/1/86 Page 3
CAPP COVERAGES
The pool coverages have been structured around the protection provided
public entities under the Colorado Governmental Immunity Statutes.
In the recent Colorado Supreme Court decision of Lee v. Colorado Department
of Health, Case No. 835A414, the court strongly upheld the provisions of
the immunity act as currently written. This gives credence to the pool's
approach of limiting coverage for state tort liability claims in Colorado
Courts to only those where immunity is not a defense.
Consequently, it is important to note when reviewing the coverages outlined
on the following pages, that for state tort liability claims these are
limited according to the Colorado Governmental Immunity Act.
If the Colorado Supreme Court overruled the limitation on judgements
outlined in the immunity act, it would be the individual Counties
responsibility to make payments or judgements in excess of 150,000 each
person/400,000 each incident.
It is the pool's opinion that any decision overriding or changing the
limitation on judgements would not be retroactive but would apply only to
future decisions.
The following coverages are being provided for federal action or suits
brought in states other than Colorado:
1. Property Including:
A. Buildings
B. Contents
C. Contractors' Equipment and Miscellaneous Property Floaters
D. Fine Arts
E. Glass — (Includes Stained Glass and Vandalism)
F. Valuable Papers
G. Electronic Data Processing Equipment
H. EDP Extra Expense
I. Extra Expense
J. Owners Interest in New Construction
K. Miscellaneous Unnamed Locations - $500,000
r. �(is s 5(93'
POLICIES AND PRJCEDURES
ti
"i` Section SAFETY AND INSURANCE
Subject CApp Coverages
COLORADO Date 7/1 /86 Page 3. 1
2. General Liability Including but not Limited to (Claims-Made Form) :
A. Premises
B. Products Liability/Completed Operations
C. Blanket Contractual
D. Personal Injury
E. Law Enforcement Professional Liability
F. Worldwide Coverage
G. Liquor Legal Liability
H. Care, Custody and Control
I. Teachers Professional Liability
J. Punitive Damages (silent in form)
K. Cemetery Liability
L. Broadcasters, Publishers and Advertisers Liability
M. Medical Payments (Premises)
N. Watercraft (Limited to Boats under 26 Feet)
0. Employee Benefit Liability
P. Non-Owned Aircraft and Watercraft
Q. Incidental Medical Malpractice
3. Errors and Omissions (Claims Made Form) :
A. Elected and Appointed Officials
B. Employees and Volunteers as Named Insureds
4. Crime Coverages Including:
A. Employee Dishonesty Coverage - $150,000 Each Loss
B. Monies and Securities - $150,000 Each Loss
5. Auto Liability Including (This is a Claims Made Form) :
A. Personal Injury Protection (Statutory Benefits)
B. Medical Payments
C. Owned and Non-Owned
6. Automobile Physical Damage
POLICIES AND PRUCEDURES
1(t
,
�,1 lin Section SAFFTV AND TNSTTRANCF
11111e Subject CAPP Coverages
COLORADO Date 7/1/86 Page 3.2
EXTENSION OF PROPERTY COVERAGE
BEYOND NORMAL COVERAGES
On the building coverages the Protected Self Insurance Plan includes all
the normal coverages of fire, lightning, windstorm, hail, explosion, riot
and riot attending a strike, civil commotion, aviation damage, smoke
damage, vehicle damage and vandalism.
In addition the following broadening of property coverage is included:
1. Losses on 100% Replacement Cost Basis without depreciation. (ACV
if the building is not replaced within two years.)
2. "All Risk" to include flood and earthquake coverage (with a
$1,000,000 annual aggregate applying separately to each) .
3. "All Risk" to include water damage from rising water, backing-up
of sewers, and wind driven rain and damage by surface water,
waves, tidal wave, or spray from any of the foregoing.
4. Collapse of buildings or parts thereof extended to all risk of
loss except normal settling, normal shrinkage, or normal
expansion in foundations, walls, floors, or ceilings.
5. Automatic protection for newly acquired properties including
contents and owned builder's risk up to $500,000.
6. No Coinsurance Clause or requirement.
7. No calculations of individual location rates.
8. Replacement to extend to any additional cost for rebuilding or
repairing to meet ordinance requirements.
9. Cost of demolishing portions of building which are required to be
removed because of damage by an insured hazard.
10. Loss by freezing whether buildings are occupied or vacant.
11 . Loss to statuary, marble, glass, fences, structures whether on or
off the premises.
12. Loss by animals or birds.
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gyp POLICIES AND PROCEDURES
Vi(11 `
Section SAFETY AND INSURANCE
Subject CAPP Coverages
COLORADO Date 7/1/86 Page 3.3
13. Comprehensive automobile coverage and collision coverage
automatic whether declared or not.
14. Robbery, Burglary and Theft of all property, including money and
securities.
15. Care, Custody and Control Coverage.
16. Property in transit wherever located.
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•
POLICIE S AND PROCEDURES4c\
Section SAFETY AND INSURANCE
111 1€ Subject CAPP Coverages
COLORADO Date 7/1/86 Page 3.4
EXTENSIONS OF LIABILITY COVERAGE
All of the usual Comprehensive General and Automobile Liability coverages
are included. In addition the following broader protection is provided.
1 . Personal Injury - Bodily Injury, Mental Injury, Mental Anguish,
Shock, Sickness, Disease, Disability, False Arrest, False
Imprisonment, False Eviction, Detention, Wrongful Eviction,
Malicious Prosecution, Discrimination, Invasion of Right of
Privacy, Libel, Slander or Humiliation, Defamation of Character,
Disparagement of Property, Piracy and any Infringment of
Copyright or of Property, Erroneous Service of Civil Papers,
Violation of Civil Rights, and Assault and Battery.
2. Insurance includes Blanket Contractual Liability includes all
written and oral contracts.
3. Insurance will cover any owned automobiles or buses automatically
on acquisition.
4. Insurance will cover any special event sponsored by the County.
5. Broad form named insured includes all employees and volunteers
while acting within the scope of their duties as such.
6. Advertisers' Liability.
7. Law Enforcement Professional Liability.
8. EMT's and Paramedics Professional Liability.
9. Public Officials Liability.
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POLICIES AND P . JCEDURES
Ilk 14 01
Section SAFETY AND INSURANCE
VIiDc Subject CAPP Coverages -
COLORADO Date 7/1/86 Page 3.5
COVERAGES - EXCLUDED
1. Personally Owned Automobiles
2. Property Losses of a Degenerative Nature - (Wear and Tear,
Deterioration)
3. War Risk and Nuclear Damage
4. Sexual Misconduct
5. The first $500 of each Property, Auto Physical Damage and Crime
loss
6. Medical Malpractice Insurance other than Incidental Medical
7. Pollution (Including Sudden and Accidental) and Asbestos
8. Employees and Trustees Accidental Death and Dismemberment
9. Workers' Compensation
10. Athletic Participation for Schools
11 . Personal Surety Bonds Required by Law
12. Pension and Welfare Fiduciary Responsibility Insurance
13. Foreign Exposures
14. Failure to provide Utilities
15. Eminent Domain and Inverse Condemnation
16. Time element coverages other than extra expense
17. Boiler and Machinery
18. Aircraft
19. Hospital and Clinic Malpractice
8E01580
POLICIES AND P h J C E D U R E S
(�� ' 1481 Section SAFETY AND INSURANCE
SUbjeCt CApP Coverages COLORADO Date 7/1/86 Page 3.6
POLICY LIMITS, COVERAGES, RETENTIONS
PROPERTY: $ 50,000,000 Each Occurrence
(Includes EDP, Inland Marine, "All Risk" Basis with Sublimits
Auto Physical Damage) of $1,000,000 Each Occurrence/
Aggregate Applying Separately to
Flood and Earthquake
GENERAL LIABILITY:
Bodily Injury/Property Damage: $ 150,000 Each Person
$ 400,000 Each Claim
AUTOMOBILE LIABILITY:
Bodily Injury/Property Damage: $ 150,000 Each Person
$ 400,000 Each Claim
ERRORS AND OMISSIONS: $ 150,000 Each Person
$ 400,000 Each Claim/Aggregate
CRIME COVERAGES:
Monies & Securities (Inside) : $ 150,000 Each Loss
Monies & Securities (Outside) : $ 150,000 Each Loss
Employee Fidelity: $ 150,000 Each Loss
EXCESS LIABILITY (FEDERAL AND
OUT OF STATE ONLY) $ 850,000 Each Person excess $150,000 each
person
$ 600,000 Each Claim excess $400,000 each
claim
RETENTIONS:
Specific:
Property $ 150,000 Each Loss
3rd Party Liability $ 150,000 Each Claim
Crime $ 150,000 Each Loss
Combined Retention $ 150,000 Each Loss
Aggregate (Loss Fund) $ 3,400,000 Annually
MAINTENANCE DEDUCTIBLE: • $ 500 Applying only to Property, Auto
Physical Damage & Crime Losses.
Each individual County will be
responsible for it's losses within
the maintenance deductible.
860580
POLICIES AND PROCEDURES
rlet141-
, Section SAFETY AND INSURANCE
Subject Procedure for Securing Insurance
COLORADO Date 7/1/86 Page 10
PROCEDURE FOR SECURING INSURANCE
The County of Weld shall maintain an insurance program specifically
designed to meet the needs of the County and be changed based on need.
A. All department or division heads are to make recommendations as to
coverage which would best protect their particular operation.
B. All reports and records received from the different departments will
be reviewed and the insurance program will be revised to meet the
changing requirements.
C. The Director of Finance and Administration will consult with the
County Attorney's Office for their recommendations concerning the
County's liabilities.
D. The Director of Finance and Administration will make recommendations
to the County Commissioners as to the proper and adequate insurance
coverages.
E. After approval by the Board of County Commissioners of the acquisition
of insurance, the insurance shall be obtained through the Colorado
Counties, Inc. Casualty and Property Pool.
POLICIES AND P k O C E D U R E S
(The, Section SAFETY AND INSURANCE
W�`P Subject Allocation of Insurance Costs
COLORADO Date 7/1/86 Page 11
ALLOCATION OF INSURANCE COSTS
A. Where County operations or divisions have their own revenue sources or
are a legal entity to themselves, insurance costs should be attributed
to such operations or divisions and will be charged specifically to
those operations or divisions.
B. When premium breakdown is not determinable, liability insurance,
Worker's Compensation and property insurance costs shall be allocated
accordingly to each department based on payroll and loss experience.
Blanket fidelity bond premiums shall be allocated by the number of
employees in each department. Property insurance costs are allocated
according to the specific properties used and operated by each of the
divisions or departments. Allocation of insurance costs shall be in
accordance with FMC 74-4.
C. Unemployment insurance cost for Human Resources and Social Services
shall be charged back as the County is billed. Road and Bridge shall
be charged an annual amount for unemployment costs of seasonal
employees.
D. Human Resources and Social Services shall be charged the manual rate
for worker's compensation based upon the state fund rates.
E. The deductibles from CAPP of $500 shall be billed to the department
incurring the loss. Worker's Compensation losses shall have a $100
deductible charged to the department with the loss.
F. Departments with specialized policies for their programs, such as
clinical malpractice, headstart student accident, etc. , will be
charged directly for the insurance.
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