HomeMy WebLinkAbout20171262.tiffAnnual Report
to Members
2016
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. County Technical
Services, Inc.
The Service Organization for
Colorado's County Governments
Our Mission Statement
To provide counties with alternative risk management
and other technical services that are
progressive, competitive and cost-effective.
2016 CTSI Board of Directors
j
a
President
Terry Hart (CWCP)
Commissioner
Pueblo County
Treasurer
Randy Schafer ((HP)
County Administrator
Phillips County
Vice President
Darius Allen (CAPP)
Commissioner
Ala mosa County
Director
Kevin Karney (CAPP)
Commissioner
Otero County
Secretary
Clifford Lucero (C1 CP)
Commissioner
Archuleta County
id Jae!
OAS
Director
David White OP)
Commissioner
Montrose County
Table of Contents
Colorado Counties
Casualty and Property
Pool (CAPP)
Started in 1986
52 member counties
Insures $2.3 billion of property,
6,133 vehicles and revenues of
$1.27 billion
$60.8 million in equity and
interest returned to member
counties
Equity: $15.5 million
Message from the CTSI President
County Health Pool
(CUP)
Started in 1984
69 public entity members
Covers 8,190 participants
Member equity used to
minimize contribution
fluctuation
Equity: $876 million
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Message from the Executive Director
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Loss Prevention
2016 Pool Members
2017 Boards of Directors
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36
A Message from the CTSI President
Terry Hart
t
CTSI President
CTSI, the pools, and the Soo Grant Street Office Condominium Owners Association have
finished this year's required business functions and remain in excellent financial positions.
The audited financials, presented in this annual report, support the unquestionable
financial decision to create the pools and CTSI to meet our member counties' insurance,
management consulting, training, and other centralized service related needs.
The pools were created over 30 years ago, to provide coverage for counties and to minimize
the effect of the numerous insurance industry cycles and the subsequent adverse impact
they have had on members. The continuous development of CTSI and the pools has
helped to stabilize necessary coverage and minimize cost increases for member counties
allowing them to conduct business with the assurance of adequate protection and support.
Unprecedented commitment, involvement, and support from our members has been
paramount in our process of meeting current and future requirements of providing the
broadest, most cost-effective coverage possible despite the fluctuating insurance markets,
which customarily have left counties in an untenable position regarding cost and necessary
coverage.
In addition to insurance products, CTSI has, as requested by members, effectively
developed and expanded our highly -valued management, training, and consulting
assistance programs. The continuing demands placed on county budgets and resources,
along with the ever-changing rules and regulations they must know and incorporate into
their operations, emphasize the importance of CTSI as a major resource to members. As
a county -owned organization, CTSI provides assistance to members through continuous
education and assimilation of new requirements into county work processes, making CTSI
an invaluable asset to members.
As e continue to reinvent your organization to assure that it meets the future needs of
members, I cannot emphasize enough the importance of your continuous commitment
and participation as members in the operations and management of CTSI and the pools.
The economy of scale regarding benefits and services provided to members by CTSI has
produced results unparalleled by any other organization. I cannot think of acounty that has
not benefited by having CTSI and their expertise available to them,
In closing, I would again like to emphasize the importance of CTSI as your country
service organization and thank you for your continuing support of CTSI and of the CTSI
staff who work on your behalf. Through your unwavering commitment, we will continue
to be successful in controlling the cost of services and insurance necessary for country
operations, Together we truly have established our organization as an irreplaceable
resource for counties.
Sincerely,
Terry Hart, Pueblo County
CTSI President
A Message from the CTSI Executive Director
With the presentation of this annual report your county -owned organizations, CTSI,
CHP, CAPP, CWCP, and the Boo Grant Street Office Condominium Owners Association
concluded another successful year of operation on your behalf. All of the aforementioned
owned organizations were issued clean financial audit opinions again this year. Member
involvement in the management and operation of CTSI and the pools along with stable
membership have produced the unparalleled success of these organizations year after
year.
M
The commitment of members to the "controlled privatization" concept, blending public
sector control with private sector performance has once again produced extraordinary
results for members as verified by the presented financials and services provided for
in sections of this report During the 2017 renewal process, we succeeded Allen Chapman
your review the p g CTSI Executive Director
in maintaining and/or reducing costs of most lines of coverage for our members. In
addition, we continued to increase limits when needed and provide coverage for new
functions as needed by member counties.
You've heard it said, "If it ain't broke, don't fix it." But I am here to tell you that without
change there is no progress. That is why CTSI acts as a change agent for counties and
subscribes to continuous improvement. This means that we are constantly investigating
ways to reduce the cost of insurance coverage and ancillary services for members. Our
centralized purchasing power at a much larger volume has helped significantly control
member costs over acquiring services and functions independently. The continued
reliance on CTSI services by members and nonmembers further demonstrates the
tremendous value provided by your county -owned organization. The stabilization of costs
and additional benefits the commissioners sought when forming CTSI and the pools has
again been affirmed with the return of member equity to offset future operation costs.
Thank you for your commitment, support, and participation in your county -owned
and operated organization. It is through this and your continued use of prescribed risk
management practices, centralized services, and associated training programs that we
have collectively been successful in keeping current and future costs to a minimum.
Working together, we have produced a consistent pattern of member benefits year after
year. CTSI has unquestionably established itself as an organization that continues to be a
tremendous asset to all members.
Sincerely,
Allen Chapman
CTSI Executive Director
CTSI
Approximately 83% of all Colorado
counties participate in one or more of
CTSI-administered pools.
CAPP credited $1.5 million in earned
equity to local member county govern-
ments toward 2016 contributions.
$837,000 of interest from CAPP's CTSI-
managed investment portfolio was
also credited toward 2016 contribu-
tions.
CHP`s alliance with Anthem Blue Cross
& Blue Shield resulted in rate increases
of only 5% versus an industry average
of 10-18%.
Only 10% of LAPP and 9% of CWCP
contributions go to administrative
overhead (excluding claims
administration fees).
Only 7% of CAPP and 8% of CWCP
member contributions go to claim
administration fees.
CHP's administrative overhead is 10%,
well below the industry average.
The lease purchase program continues
to benefit many counties in their
property and equipment
procurements.
CTSI assisted counties with grant writ-
ing and project management as well as
county administration services.
County Technical Services, Inc., administers three county -owned,
self -insured insurance pools and provides a multitude of technical,
loss prevention., and consulting services to public entities through-
out our state.
CTSI Administered Self -Insurance Pools
In 2016, CTSI had an excellent membership renewal in each of its
insurance pools which include:
The County Health Pool which covers the healthcare
needs of 8,190 public entity employees and their
families across Colorado.
The County Workers' Compensation Pool covering
the workplace needs of county employees and
statutory volunteers in 51 counties,
The Colorado Counties Casualty and Property Pool
insuring the assets of 52 counties.
Third -Party Claims Administration Services
CTSI provided third -party claims administration for the following
accounts in 2016.
Weld County Self -Insured Workers Compensation
Program
Denver Water Self -Insured Program
Glen Sandquist
Sedgwick County
"Our relationship with CTSI has been
really good. We've had various claim
issues with the sheriffs department,
and an C1177bulance accident resulting
in a fatality. CM handled those very
well and gave us advice on how to
handle other matters."
CTSI
Audited Statement of Financial Position
December 31, 2016 and 2015
CURRENT ASSETS
Cash and Cash Equivalents
Investments
Trade Accounts Receivable
Prepaid Expenses
Total Current Assets
PROPERTY AND EQUIPMENT
Building
Furniture and Equipment
Accumulated Depreciation
Property and Equipment, Net
OTHER ASSETS
Total Assets
LIABILITIES AND NET ASSETS
CURRENT LIABILITIES
Accounts Payable
Accrued Vacation
TPA Deposits
Tenant Deposits
Prepaid Claim Administration Fee
Total Current Liabilities
NET ASSETS
Unrestricted
Total Liabilities and Net Assets
2016
944,188
3.590,249
133.026
_16,331
4,684,394
3, 791,643
312,205
(1,648,700)
2,457,149
2176
$ 7,143:719
$ 138,316
87,344
85,000
26,695
337,355
5,806, 804
$ 7,143,719
CTSI
Audited Statement of Activities
For the Year Ended December 31, 2016 and 2015
REVENUES, GAINS AND OTHER SUPPORT
Administration Fees
Claims Fee Revenue
Office Building Rents
Investment Income
Other
Total Revenues, Gains and Other Support
EXPENSES AND LOSSES
Program Services
Claims Processing
Loss Prevention
Administration
Office Building Operations
Total Expenses and Losses
CHANGE IN NET ASSETS
NET ASSETS, Beginning of Year
NET ASSETS, End of Year
2016
$ 2,118, 602
1,714, 505
499,157
94:719
33,878
4,460,861
1,252,708
566 218
1,975,123
513 $45
4,287,994
172,867
6,638,407
$ 6,808, 364
2015
$ 1,071,070
3,143, 857
338,365
39,754
4,593,046
4,024,506
637,157
(2,102,423)
2,559 240
1,934
$ 7,154,220
$ 102,507
88,498
285,000
28,718
10,000
520,723
6,638, 497
7,154,220
2015
$ 2,088,297
1,857,207
490,824
15,524
39,508
4,491,420
1,291,444
520,520
1, 995,002
475,208
4,289,183
202,237
6,431,260
$ 6,633,497
CTSI
Chord Dicer()
Archuleta County
"Allen Chapman and the
entire staff have been champions
for every Colorao county CTSI
has a great team in place. It's
been an honor and an amazing.
experience to work with such a
professional organization."
r
Mil' Ida S
County Health Pool
CHP
Provides medical and other
benefit coverages J
4
u
Claims Administration:
Anthem and VSP
r
Managed Care Network:
Anthem
Th
J
Q
CTSI County Administration & Grant Services
Presented numerous budget seminars and consulted on various county
issues.
Communicated, assisted and resolved county operational issues on a
daily basis
Lake County — Completed the Huck Finn Park Ice Rink Facility.
Cheyenne County — Presented budget seminar and work with county
on budget issues.
Las Animas County — Presentedbudget seminar and overview on
financial issues.
Delta County — Assisted on equipment bidding issues.
Rio Grande County — Consulted with staff on organizational issues.
Rio Grande County — Assisted in filling the administrator's position.
Lake County —Assisted with the formation of procurement policy
Delta County — Assist commissioners on road and bridge evaluation.
Chaffee County — Reviewed and assisted on water damage claim.
Prowers County — Worked with the county on organizational issues.
Crowley County -- Reviewed lightning damage from storm,
Elbert County — Met with county on organizational issues.
Archuleta County — Worked with the county on water damage loss.
Washington County — Assisted on water damage claim for county
buildings.
Hinsdale County — Assisted in hiring a county administrator.
CTSI
Administrator
ser
S. .a. a imam a. a r.. ow.
*
i
County Workers Compensation
Pool, CWCP
Provides statutory workers Th
compensation coverage I
C
i
CTSI )Claims Administration:
,
Broker:
AJ Gallagher
Th
J
Excess Insurer: fre
ca._ Anthem Blue Cross & Blue Shield
I
Excess Insurer:
Arch
add
I
i
C------- Actuary:
Willis n
a NS4 .
a a a a. .a a s
Colorado Counties
Casualty & Property Pool, + APP )
,
Provides property and
liability coverage
Claims Administration:
CTSI
J
1
a
i
Broker:
AJ Gallagher
tr-
Excess Insurers:
One Beacon, Lexington, Hiscox, Ace
C
,
I
Actuary:
Willis Towers Watson
800 Grant Street Office
Condominium Owners Association
In 2001, CTSI acquired a commercial office building at Boo Grant Street, Denver Colorado, and uses it as the
base of its operations.
During 2004, CTSI formed the Soo Grant Street Office Condominium Owners Association (the Association)
The Association is incorporated as a not -for-profit corporation in the State of Colorado for the purposes of
operating and maintaining the common property of the Association, The Association consists of seven office
units and the adjacent parking structure which contains 120 parking spaces.
CTSI is the lessor for three and one-half condominium units leased to other companies.
As an association member, CTSI owns 86% of the condominium units of the Association.
800 Grant Street Office Condominium Owners Association
Audited Balance Sheet
December 31, 2016 and 2015
2016 2015
Operating Capital
Reserve Reserve Total
ASSETS
Current Assets
Cash
Prepaid Expenses
TOTAL CURRENT ASSETS
Current Liabilities
Accounts Payable
$ 40,995 $ 147,613 $ 188,608
688 - 688
$ 41,683 $ 147,618 $_189,296
LIABILITIES
$ 22,328 $ - $ 22,328 10,334
$ 165,846
688
166,534
FUND BALANCES
Fund Balance - Unrestricted 19,355 19,355 24,222
Fund Balance - Capital Reserve - 147,613 147,613 131,978
TOTAL FUND BALANCES 19,255 147,613 166,968 156,200
TOTAL LIABILITIES AND FUND BALANCE $ 41,683 $ 147,613 $ 189,296 $ 166,534
7
CAPP
100% of CAPP member counties
renewed their membership.
CAPP members' equity was $15.5
million at the close of 2016.
CAPP maintained low operating costs
and returned $1.5 million of its equity
and $837,000 of projected interest
income to member counties as a credit
toward 2016 contributions,
CAPP's 2016 excess property insur-
ance rate reduced by 4.5% with a 3%
increase in property values.
For 2016 CAPP's excess casualty
insurance rate increased by 1.3% with
a 111% increase in county revenue.
The Colorado Counties Casualty and Property Pool (LAPP),
which protects the assets of 52 counties throughout Colorado, is
acclaimed as a national model for intergovernmental pooling.
CAPP Board of Directors 2016
President/Comptroller
Darius Allen
Commissioner
Alamosa County
Director
John Martin
Commissioner
Garfield County
Vice President
Kevin Karney
Commissioner
Otero County
L.
Director
Mike Bordogna
Commissioner
Lake County
Director
Brian McCracken
Commissioner
Morgan County
Secretary
Terry Hart
Commissioner
Pueblo County
Director
Sean Conway
Commissioner
Weld County
8
CAPP
Audited Statutory Statements of Admitted Assets, Liabilities & Members' Surplus
December 31, 2016 and 2015
2016 2015
ADMITTED ASSETS
Cash and cash equivalents
Investments
Total cash and investments
Due from self -funded counties
Accrued interest receivable
TOTAL ADMITTED ASSETS
LIABILITIES AND MEMBERS' SURPLUS
LIABILITIES
Reserve for losses and loss adjustment expenses
Reserve for unallocated loss adjustment expenses
Deposits held for self -funded counties
Surplus Distribution payable
Other Accounts Payable
Total liabilities
MEMBERS' SURPLUS
TOTAL LIABILITIES AND MEMBERS' SURPLUS
$ 2,147,921 $ 1,544,848
22, 939,604 23,445, 298
25,087, 525 24,991,146
121,351 47,053
171 127 183,324
$ 25,380,003 $ 25,221,523
$ 6,445,549
732,721
480,000
1,499,914
883,440
9,842724
15,537,279
$ 5,798,983
718,021
350,000
2,106,585
4,143
8,984,832
16,236,691.
25,389,003 $ 25,221,523
CAPP
Audited Statutory Statements of Income 84 Members' Surplus
For the Year Ended December 31, 2016 and 2015
UNDERWRITING INCOME
Members contributions written
Excess insurance written
Net underwriting Income
UNDERWRITING EXPENSES
Net losses and loss adjustment expenses incurred
Unallocated loss adjustment expenses incurred
Other underwriting expenses incurred
Total underwriting expenses incurred
UNDERWRITING GAIN
NET INVESTMENT INCOME I (LOSS)
NET INCOME BEFORE RETURN OF SURPLUS
RETURN OF SURPLUS
MEMBERS' SURPLUS - BEGINNING OF YEAR
CHANGES IN NONADMITTED ASSETS
MEMBERS' SURPLUS - END OF YEAR
2016
2015
$ 9,304,503 $ 9,527,481
(3,264,479) (3,229,757
6,040,124 5.2 97.724
4,208,880
737,369
1,052,069
5,998,318
41,806
604,788
3,717,555
775,909
1,940,863
5,534,337
753,387
(124,28
646,594 539,107
(1,500,915) (1,500,000)
16,236,691 17,493,991
154,909 (396,41)
$ 15,537,279 $15,236,691
LAPP
The property and liability claims unit
ended 2016 with 425 open CAPP
files. Of those, 209 are general liability
claims in litigation or pre -litigation,
50 are auto liability, 122 auto physical
damage claims and 44 property
claims,
Gene Meisner
Logan County
"'M has always been fair with
our claims.We're always satisfied
ith the service we receive."
Risk Management
Insurers are increasingly scrutinizing the management
practices and policies of organizations they insure to limit
exposure particularly for employment practices claims. For
CTSI-managed insurance pools, such scrutiny is all in a day's
work, as staff proactively engages in risk management and loss
prevention. Many years ago, the position of CTSI human
resources specialist was created to specifically address this issue,
Since then CT I's human resources specialist has been available
to counties to reduce the risk of legal action when it comes to
their employment decisions.
A highly experienced expert team administers CAPP claims and
responds quickly to legal actions. By funding for losses at
conservative levels determined by our independent actuary,
CAPP's loss reserves maintain financial stability.
The loss prevention team works with the CAPP claims unit to
spot trends so they can develop training classes and services to
address issues affecting county liability exposures.
Policy
Year 2012 2013 2014 2015 2016
Number of Members 52 52 52 2 52
Average Claim $5,925 $7,687 9,270 $6,258 $5,335
Total Incurred $4,585,614 $5,434,908 $7,082,288 $4,386,656
$3,579,766
Number of Claims
Auto Liability 160 162 139 114
115
Auto Physical Damage 259 242 272 260 253
General Liability 271 215 268 242
227
Property 84 88 85 85 76
Total 774 707 764 701 6t1
10
CAPP Loss Ratio (based on CAPP formula)
130%
2012 2013 2014 2015 2016
CAPP Average Cost Per Claim
$9,270
$5,925
2012
$7,687
2013
2014
CAPP Subrogation Recoveries
$153,328
$135,441
$309,342
$6,258
$5,335
2012
2013
2014
2015
2015
$230,429
2016
$105,725
-r
2016
11
CAPP
CAPP Financial Stability
CAPP remains financially sound and
again this year received a clean
opinion for the 2016 audit.
As of December 31, 2016, CAPP
members' equity is $15.5 million,
Return on Investment
CAPP members earn equity in funds not used to pay losses. The
poolequity is used in the event of unexpected loss development
as well as providing a return on investment to members to offset
future contributions. The overall return on investment from eq-
uity and projected interest income has been 30% since 1988.
Since 1988, members have contributed $216.7 million. CAPP
paid $73,9 million in losses, recovered $27,8 million of loss costs
on behalf of members, returned $475 million of earned equity
to members, retains $156,1 million in equity and $6.4 million in
loss reserves. $54.4 million has been paid for excess insurance,
claims administration, broker fees and other pool expenses.
Over $15.4 million in projected interest income (CTSI fees dis-
count) has been credited toward member contributions.
CAPP Total Contributions 1988 - 2016 $216.7 million
Insurance, Claims
Mgrnt & Other Expense
$58.0
27%
Retained Equity
$15.5
7%
CTSI Fees Discount
$15.4
7%
Distributed Equity
$47.5
22%
Net Loss
Paid=$'1 O1.6M Paid
less $27.8
Recoveries
$73.9
34%
Loss Reserves
$6A
3%
12
CAPP Severity of Claims
Total Dollars Incurred 2012 - 2016
Jail
Suicide/Attempted
or Jail Death
$1.7
7%
Weather
Related
$3.6
15%
Others
$7.7
31%
CAPP Frequency of Claims
Total Number of lai s 2012 - 2016
Others
1,113
31%
Inmate Related
108
3%
Slip, Trip or Fall
183
5%
Weather Related
190
5%
Driving & Vehicle
Related
$6.5
26%
Employment
Related
$3.3
13%
Inmate Related
$1.3
5%
Street or Roadway
212
6%
Driving & Vehicle
Related
1,811
50%
13
CWCP
The County Workers' Compensation Pool (CWCP) provided 51
counties with workers compensation coverage for 21,877 county
employees and statutory volunteers with an annual payroll of
more than $443 million.
100% of CWCP member counties
renewed their membership.
CWCP members' equity was $19
million at the close of 2016.
CWCP's excess insurance rate
increased by 6.4% for 2016.
CWCP maintained low operating
costs and returned $700,000 of its
equity toward 2016 contributions.
Doug Davie
Rio Grande County
'We had several property and
workers compensation claims
which were paid quickly. We are
happy with the service we receive
from CTSI."
CWCP Board of Directors 2016
President/
Com ptroller
Terry Hart
Commissioner
Pueblo County
Director
David Foy
Commissioner
Washington County
Vice President
Darius Allen
Commissioner
Alamos, County
Director
John Sandoval
Commissioner
Conejos County
Director
Dave Paul
Commissioner
Teller County
Secretary
Clifford Lucero
Commissioner
Archuleta County
Director
Dick Hodges
Commissioner
Park County
14
c cp
Audited Statutory Statements of Admitted Assets, Liabilities & Members' Surplus
December 31, 2016 and 2015
ADMITTED ASSETS
Cash and cash equivalents
investments
Total cash and investments
Due from self -funded counties
Accrued interest receivable
TOTAL ADMITTED ASSETS
LIABILITIES AND MEMBERS' SURPLUS
LIABILITIES
Reserves for losses and loss adjustment expenses
Reserve for unallocated loss adjustment expenses
Surplus distribution payable
Deposits held for self -funded counties
Accounts payable
Total liabilities
MEMBERS' SURPLUS
TOTAL LIABILITIES AND MEMBERS' SURPLUS
2016
2015
1,662,558 $ 1,242,937
39,441,038 38,942,846
41,103,596 40,185,783
89,663
269,863
106,264
271,685
41, 463,122 $ 40,563,732
$ 20,171, 049
855,044
1,123,874
250,000
26,020
22,425,987
19,037.135
41,463;122
$ 20,830,563
1,047,282
1,099,648
250,006
27,331
23,254,824
17,308 908
$ 40, 563, 732
CCP
Audited Statutory Statements of Income & Members' Surplus
For the Year Ended December 31, 2016 and 2015
UNDERWRITING INCOME
Member contributions written
Reinsurance and excess insurance ceded
Total underwriting income
UNDERWRITING EXPENSES
Net losses and loss adjustment expense incurred
Unallocated loss adjustment expense incurred
Other underwriting expenses incurred
Total underwriting expenses incurred
UNDERWRITING GAIN
NET INVESTMENT INCOME
NET INCOME BEFORE RETURN OF SURPLUS
RETURN OF SURPLUS
MEMBERS' SURPLUS - BEGINNING OF YEAR
CHANGES IN NONADMITTED ASSETS
MEMBERS' SURPLUS - END OF YEAR
2016
2015
$ 11, 318, 778 $ 10, 704, 856
(899,372) (789,41D
10,419,466 9,915,444
7,081,825
728,332
738,638
8,548,795
1,870,611
886,134
7,105,798
830,443
748,860
8.685.101
1,230,343
99,020
2,756,745 1,329,363
(1,000,000) (1,000,000)
17, 308, 908 16,709, 391
(28,518) 270,154
19, 037,135 :$17 308, 08
15
CWCP
The workers' compensation claims
unit ended 2016 with 452 open
CWCP claims. Of those, 242 are in-
demnity claims and 210 are medical
only claims.
Policy Year
Number of Members
` vera 9 Claim
Total Incurred,
2012
Effective Risk and Claims Management
CWCP offers affordable coverage to members and pro -actively
engages in risk management and training which has proven
effective in loss prevention and resulted in smaller premium
increases for members.
To control costs, CWCP uses nurse case management, to inter-
vene quickly to ensuring injured employees receive appropriate
care. CTSI also assists counties in developing return -to -work
programs and contingency plans for modified duties.
CTSI's integrated management policies and procedures mean
sizeable cost savings on workers' compensation claims. CTST's
claims management facilitates injured employees' speedy re-
covery and return to work — whether to a fulitime or temporary
modified duty assignment.
2012 - 2016
Legal Costs
$1,874,240
6%
Medical Costs
$19,613,519
57%
51
$7,597
$7,728$389
Number of Claims
Medical one.
860
I ndem nit
Total
157
1.017
Wage
Replacement &
Disability Costs
$12,786,208
37%
2013 201.4
51 51
2015
51
2016
5-1
$6,896 $7,054
$6,942
$6,.581
$61833a 5 $6,976 OiO
$6,921,660
6 016,301
795
167
962
831
827
156
989
170
912
997 _
166
1,.07 8
16
CWCP Loss Ratio (based on CWCP formula)
104%
100%
95%
75%
r
2012 2013 2014 2015 2016
CWCP Average Cost Per Claim
$7,597
$61896
$7,054
$6,942
$5,58'1
2012 2013 2014 2015 2016
CWCP Subrogation Recoveries
$136,690
2012
$18,191
2013
$35,041
2014
$27,552
2015
$12,073
2016
17
CWCP
Return on Investment
CWCP members earn equity in funds not used to pay losses. The
pool equity is maintained as a safety net to offset market swings
and provide a return on investment to members to offset future
contributions.
CWCP Financial Stability
CWCP remains financially sound
and again this year received a
clean opinion for the 2016 audit
As of December 31, 2016, CWCP
members/equity is $19 million.
Since 1986 members have contributed $229 million. CWCP paid
out $148.9 million in losses; recovered $14.5 million of less costs
on behalf of members, returned $9.3 million of earned
equity to members and holds $20.2 million in loss reserves and
$19 million in retained equity. $46.8 million has been paid for
excess insurance, claims administration, broker fees and other
pool expenses.
CWCP Total Contributions 1986 - 2016 $229 million
Loss Reserves
$20.2
9%
Insurance, Claims
Mgmt, Broker & Other
Pool Expense
$46.8
20%
Net Loss
Paid=$148 9M Paid
less $14_5M
Recoveries
$134.4
59%
Distributed Equity
$9.3
4%
Retained Equity
$19.0
8%
18
CWCP Severity of Claims
Total Dollars Incurred 2012 - 2016
Slip, Trip or Fall
$8.7
26%
Others
$8.9
26%
CP Frequency of Claims
Total Number of lai s 2012 - 2O16
Exposure Bodily
Fluids/Disease
222
4%
Others
2,206
44%
Falling or Thrown
Object
$1.2
4%
Driving & Vehicle
Related
$4.4
13%
Training
265
5%
Training
$1.5
4%
Inmate Related
276
6%
Body Mechanics
$9.3
27%
Body Mechanics
859
17%
Slip, Trip or Fafl
1,215
24%
19
CHP
For 2016, CHP had a minimal 5%
rate increase, including prescrip-
tions, compared to the national rate
increase of 10% - 18% which is for
medical only.
No rate increase for dental, vision or
life.
CHP members' equity was $8.76 mil-
lion at the close of 2016.
CHP maintained the same level
of benefits for all plans - medical,
dental, vision, and life, and added an-
other medical option, HDHP compat-
ible with NSA,
Increased efforts to market CHP to
other local governments to assist all
members by spreading the overall
risk and cost over a larger base.
The County Health Pool (CHP) provides affordable healthcare
coverage to 69 public entity members with 8,190 covered
participants.
SNP Board of Directors 2016
President/
Comptroller
Randy Schafer
Administrator
Phillips County
Director
Robin Wiley
Commissioner
Yuma County
Vice President
Darius Allen
Commissioner
Ala rnosa County
Director
Ray Garcia
Commissioner
Huerfano o County
Director
Karla Shriver
Commissioner
Rio Grande County
Secretary
David White
Commissionerr
Montrose County
Director
Mack Louden
Commissioner
Las Animas County
20
CHP
Audited Balance Sheet
December 31, 2016 and 2015
ASSETS
Cash and cash equivalents
Investments
Accrued interest receivable
Prepaid expenses
Deposits
LIABILITIES
Claims payable
Accounts payable
Contribution Deposits
TOTAL ASSETS
LIABILITIES AND NET POSITION
TOTAL LIABILITIES
NET POSITION
Unrestricted
TOTAL LIABILITIES AND NET POSITION
2016 2015
$ 3,815,970 $ 3,412,920
10,877,787 9,197,730
57,680 48,150
11,083 11,083
16,490 16,490
$ 14,779,010 $ 12,686,373
$ 5,000,000 $ 5,000,000
1,012,640 958,129
10,007
6,012,640 5,974,136
8,766,370 5,712,237
$ 14,779.010 $ 12, 680, 373
CHP
Audited Statement of Revenue, Expenses and Changes in Net Position
For the Year Ended December 31, 2016 and 2015
OPERATING REVENUE
Contributions
OPERATING EXPENSES
Claims, net of excess insurance recoveries of
$ 8,529,815 and 0,762,886 in 2016 and
2015, respectively
Insurance premiums
Administration
Total operating expenses
OPERATING GAIN
NON OPERATING REVENUE
Net investment income
INCREASE IN NET POSITION
NET POSITION - BEGINNING OF YEAR
NET POSITION - END OF YEAR
2016
2015
$ 56,508,718 $ 54, 506,704
42,334,792
7,764,884
4,478, 843
54, 578, 519
1,930,199
123,934
40,543,456
7,447,625
4,622 061
52,013,142
1,893,562
5,490
2,054,133 1,899,052
6,712,237 4,813,185
$ 8,766,370 $ 6,712,237
21
CHP
Affiliation with Anthem
C HP Services
Five PPO medical plan options
Two HDHP/HSA medical plan options
Organ and bone marrow transplant
coverage
Preventive benefits
Prescription drug benefits
Term life and AD&D benefits
optional vision coverage
Optional dental coverage
Optional dependent life insurance
Optional supplemental life insurance
coverage
Unbundled coverage
Dedicated customer service units
COBRA and HIPAA administration
Health fair benefit
CDL physical benefit
Educational training for members
Webinars rs on health care reform
CHP is a county -owned and county -operated healthcare
insurance pool which in 2003 voted to affiliate with Anthem
Blue Cross & Blue Shield to help provide a long-term solution to
rising healthcare costs. CHF has a dedicated customer service
and claims unit within Anthem that minimizes any problems
that may arise as a result of claims processing which sets us apart
from other health insurance carriers.
Education
CHP offers classes to help employees and their dependents be
wise healthcare consumers. The training is modeled after
loss -prevention training offered by other CTSI pools and
provides information about CLIP, loss analysis, the healthcare
industry, trends, costs, and tips for understanding and
maximizing use of the plans,
In addition, CHP provided multiple webinars regarding applica-
tion and compliance of PP CA (health care reform),
Policy
Year
2016
Number
of Members
69
(Number
of
Claims
76,755
'Cost
of
Claims
$ 5fl,8B4,gflg
(Average
Member
Claim
Cost
(PMPM)
$ 420
Number
of Claimants
13,D60
Average
Cost
Per
Claimant
(Annual)
$ 3,895
22
Cost Savings
CHP is the only county -owned health plan provider in Colorado
with benefits, contribution rates, and coverage levels determined
by representatives from member counties.
Pooling resources helps decrease costs of healthcare coverage
which is crucial when a national survey projects healthcare
increases of at least —n% to 14% (depending on groups and de-
mographics) each year through the end of the
decade, twice the Consumer Price Index.
The pool benefits members through equity growth which
minimizes cost increases to members.. CHP is exempt from the
State Premium Tax on commissions, resulting in lower costs to
members. CHP assists members with HIPAA and COBRA at no
additional cost.
CHP Rate Trend (`% of change over previous year)
9%
10%
10%
I
2012 2013 2014 2015 2016
23
CHP
Again this year, we have been effective
in maintaining no rate increase in life,
and vision and dental programs and
maintained the same level of benefit.
For 2017, the County Health Pool not
only took a 3% net medical/prescrip-
tion increase, a 3% dental increase and
no increase in vision or life. This is well
below the national average. CHP also
maintained all current benefit plans
and level of coverage and modified
all medical plans to be in compliance
with PPACA regulations.
2017 Renewal and Insurance Industry Outlook
During the 2017 marketing process, the insurance industry was
providing increases of ii to 30% or more in overall health insur-
ance rates if the above -average 30% plus rate increase for the
Exchanges is included. CHP's health insurance rate increased a
nominal 3% for 2017 while maintaining its current rich benefit
plans.
The excess insurance market was willing to continue to provide
coverage for larger groups, such as CHP, but based upon in-
creased costs and utilization the costs continue to escalate even at
the excess layer.
CHP members are continually rewarded by larger discounts when
negotiating renewal costs for our ASO contract, network contract,
prescription program, and excess insurance program since we
have bundled them under Anthem.
Unlike other health insurance carriers, CHP has been able to
effectively control the terms and conditions of benefit coverage.
because the members own, operate and effectively define their
benefit programs.
For 2017, the County Health Pool not only took a 3% overall in-
crease, well below the national average, it also maintained all cur-
rent benefit plans and levels of coverage and modified all medical
plans to be in compliance with PPACA regulations.
CHP continues to be the best choice for local governments in
Colorado because the increased number of participants allows for
sharing of costs of operation, cost containment efforts through
multi -year contracts, and education and wellness management
programs. CHP remains successful because it continues to be self -
governed and controlled by its members which allows the mem-
bers to continually define affordability of coverage each year.
24
CHP Severity of edical Claims
Total Dollars Incurred 2O16 (in millions)
Rx, Vision & Dental
$9.54
19%
Professional/Other
$10.08
20%
CHP Frequency of edical Claims
Total Number of Claims 2016
Inpatient
553
1%
Professional/Other
58!390
76%
Outpatient
$17.75
35%
Outpatient
17!312
23%
Inpatient
$13.50
26%
25
„----r"-**k
-Loss Prevention
Goals & objectives
The loss prevention team supports
county personnel by:
Acting as a liaison between
members and other CTSI staff.
Advising county supervisors on
exposures and losses.
Creating uniform inspection
checklists to ensure inspection
continuity and consistency.
Developing specialized training
programs targeting high
frequency claims.
Disseminating information on
loss prevention subjects.
Maintaining a reference library for
members.
Participating in industry meetings
and conferences.
Performing quarterly loss
prevention inspections for
various county departments.
Providing up-to-date
information on rules, regulations
and requirements.
Reviewing county policies and
practices.
Training county contacts, trainers
and loss prevention committees.
CTSI's loss prevention team provides high -quality, value-added
services to Colorado counties that participate in the county -owned
insurance pools, The loss prevention team helps counties reduce
their exposure to loss while improving the safety and efficiency of
their workplaces.
Benefits of CTSI Loss Prevention
Insurers analyze the effectiveness of county loss prevention
programs in evaluating pools and determining coverage and
rates. The CTSI Loss Prevention Team, comprised of three risk
management experts and a human resource specialist, aims to
help counties control insurance costs by preventing loss -causing
events.
The team expands and upgrades its services to help minimize
the risk of accidents and losses and keeps apprised of federal and
state rules, regulations, and programs and helps member coun-
ties comply.
Safety Training
On-the-job safety is critical for county governments and their
employees. CTSI offers more than 190 courses designed to
improve safety. Some, such as CTSI's New Miner Training class,
are federally -mandated to comply with Mine Safety and Health
Administration (MSHA) regulations. MSHA requires all county
employees who haul sand and gravel to document they have
completed Experienced Miner or Newly Hired Miner training,
which CTSI offers conveniently at no cost to its counties and at a
reasonable cost for non-members.
Policy Review
CTSI works with counties to develop consistent and enforceable
policies — whether it is holding employees accountable for their
actions, carrying out effective retraining or taking disciplinary
actions when employees fail to meet performance standards.
Value-added services
CT I's loss prevention team offers a range of classes that
counties — on their own — generally could not afford. The team
also helps counties create building and emergency evacuation
plans, set policies, and draw up employee training plans.
26
Loss Prevention Services To Our Pool Members
Presented 210 classes to 3,828 county employees.
Performed 141 personal computer workstation ergonomic
evaluations.
Conducted 15 building audits and on -site evaluations and
inspections.
Attended 35 meetings.
Presented one webinar.
Presented the five-year loss analysis to 53 counties.
Human Resource Services To Our Pool Members
Presented 99 classes to 2,092 county employees.
Performed 16 HR policy reviews.
Held 24 HR phone consultations.
Attended 10 meetings.
Attended 2 site visits.
Art Goodtimes
San Miguel County
"For the 20 years. 'Me been in office, CTSI
has really impressed me with their
educational programs to help counties
prevent claims."
27
Loss Prevention
CTSI Telephone Consultation
CTSI provides consulting and
technical information on a variety of
topics including, but not limited to:
ACA compliance
Blood borne pathogens
Countywide coordination of
policies and procedures
Civil rights discrimination
DOT regulations
Drug testing policies
Employee discipline and
termination issues
Employee manuals
Facilities exposure
FMLA LA regulations
Harassment prevention
Injuries and accidents
Job descriptions
Liability risks
New construction review
OSHA and MSHA regulations
Payroll records and financial
controls
Record keeping procedures
Safety problems
Sexual harassment
Privacy & document retention &
deletion practices
Employee use of social media
County Staff Trained on Required and Requested
Topics
Civil rights, discrimination, and harassment prevention, MSHA
refresher and new miner training, flagger certification, and
coaching the experienced driver topped the 2016 list of most
popular classes for CTSI.
In the HR regulatory area, civil rights, discrimination and
harassment prevention, EEO compliance, and drug and alcohol
awareness continued to be among the most frequently requested
classes. Both new and experienced employees are required
to have training in these topics, necessitating frequent update
training.
With over 20,000 county employees and statutory volunteers in-
sured by the county pools, keeping up with the training required
by law on many topics requires a year-round effort involving ev-
eryone. CTSI helps keep your county on track by keeping records
of all the classes given, the attendance reports, and how often
and what topics are required to be given.
Human Resources onsultation & Policy Review
The HR Specialist responded to requests for technical assistance,
research, and loss prevention advice by phone or email. The HR
Specialist also held 9 individual onsite meetings with various
counties to assist with various human resource needs.
County and department policies are reviewed by the HR Spe-
cialist upon request by individual counties. There were 16 such
policies reviewed from a risk management and loss prevention
perspective in 2016. With over 51 member counties and multiple
policies in each county, it takes a planned effort by each county
to assure that all department and county policies stay current.
Salary Survey
CTSI staff produces an annual salary survey for county pool
members. The 2016 report covered 29 counties, 43 position
benchmarks, and over 4,000 pieces of data. The amount of data
and number of county participants makes it a very accurate
source for comparing other salary surveys to the CTSI salary
survey.
28
CTSI Film Library
Online Films
Others
35
Road &
Bridge
13
Risk Management
& Safety
14
Human Resources
35
resee;
First Aid & Health
11
CTST Film Library
All Films
Risk Mgmt & Safety
99
First Aid & Health
67
Others
225
Chemical Safety
10
Sheriffs
Department
13
MSHA
42
Human Resources
62
Road & Bridge
Sheriffs Department
364
n0
MSHA.
78
Defensive Driving
63
Media resources
CTS I's loss prevention team maintains
an extensive reference and video
library of more than 200 books and
1,000 videotapes, CDs, and DVDs,
available at no cost to member coun-
ties covering a variety of loss preven-
tion topics,
Many of these same OVOs are available
online at ww.ctsrfilms.org,
The loss prevention team encourages
member counties to use the library as
a tool to decrease exposure to loss -
causing risks.
29
The CTSI Loss Prevention Team
The IVIHA refresher courses on mine safety and new miner training were at the top of the list,
with the team presenting 67 classes to 1,505 county employees.
Human resources classes are always well -attended courses, and this year was no different, with
2,O92 employees attending 99 classes covering subjects such as harassment prevention, workers
compensation, and. HIP `A to a name a few.
Road and bridge flagging classes are very popular. CTSI certified 491 employees during 30
classes.
With high losses in the area of driving, more than Boo employees attended one of the 45 classes
related to improving their driving skills.
In all, the loss prevention team presented 309 classes to 5,920 county employees, all in an effort
to reduce claims before they had a chance to happen.
The CM Loss Prevention Team provides high -quality, value-added services to help
member counties reduce exposure to loss while improving the safety and efficiency
of their workplaces. CTSI loss control services make a difference.
Number of C'l'asses by Topic
MSHA
67
Road & Bridge
32
Human Resources
99
Body Mechanics
8
Driving
45
Drug & Alcohol
8
MSHA
1,505
General Safety
50
Road & Bridge
521
Number of Attendees by Topic
Body Mechanics Driving
68
805
Human Resources
2,092
Drug & Alcohol
102
General Safety
827
30
CAPP Employment Claims - Total $ Incurred
$1,288,015
$904,577
2012 2013
$772,084
$260,905
$50,004
2014 2015 2016
CAPP Employment Claims - Number ber of Claims
28
27
22
12
9
2012 2013 2014 2015 2016
I
CAPP Employment Claims -Average $ Incurred
$32,310
$58,546
$28,596
$21,742
I _
$5,556
2O12 2O13 2014 2015 2016
31
Loss Prevention
Loss Prevention Claims Analysis
CAPP and CWCP loss analysis reports help the loss prevention team and member counties to target high -frequency
and high -severity claims. The loss prevention team can then help counties improve their work sites to prevent
claims. CTSI's loss prevention team also conducts audits to help identify loss -causing processes. The team
concentrates on auditing work areas and work processes, plus various maintenance and construction processes.
CAPP Loss Analysis - 2016 Claims
Claim Type
Frequency
Severity
1 Auto Physical
2 General
3 Auto Liability
4 Property
Liability
Damage
I General
2 Property
3 Auto
4 Auto
Liability
Physical
Liability
Damage
Accident
Type
Frequency
Severity
1 Driving & Vehicle
2 Driving -Backing
3 Driving -Struck
4 Street or Roadway
Related
Animal
1
2
3
4
Weather Related
Driving & Vehicle
Employment
Jail Suicide/Attempted
Related
Related
or Jail Death
Cause
1
2
3
4
Auto Collision
Auto Liability
General
Property
Frequency
-Property Damage
Liability -Property Damage
Severity
1 General Liability -Civil Rights
2 Property
3 General Liability -Bodily Injury
4 Auto Collision
32
CWCP Loss Analysis - 2016 Claims
Claim
Type
Frequency
Severity
1
Medical
1
Temporary
Total
or Temporary
Partial
2 Temporary Total or Temporary
Partial
2
Medical
Accident
Type
Frequency
Severity
1
2
3
Slip,
Body
Driving
Trip
Mechanics
or
&
Vehicle
Fall
Related
'I
2
3
4
Slip,
Body
Inmate
Lifting
Trip
Mechanics
or
Related
Fall
4
Fatality
Injury
Type
I
2
3
4
Strain
Fatality
Pain
Fracture
Severity
1
2
3
4
Strain
Pain
Contusion,
Contageous
Bruise
Frequency
Disease
Body Part
Frequency
Severity
1
2
Multiple
Hand
Body
Parts
1
2
3
Multiple
Shoulder
Knee
Body
Parts
3
4
Knee
Back
4
4
Head
Cause
Frequency
1
2
3
4 Ice,
Vehicle
Other
Bodily
Snow,
Person
Motion
Sleet
Severity
Confrontation
el
2
3
4
Ice,
Bodily
Other
Vehicle
Snow,
Motion
Person
Sleet
Confrontation
33
Loss Prevention Classes Held
Accident & Incident Investigations for Supervisors
Active Threat Response & Workplace Safety
ADA Awareness Briefing
ADA Compliance for Supervisors and Managers
Backhoe &Trenching
Bloodharne Pathogens
CDL Drug and Alcohol Awareness
CDL Supervisor Drug and Alcohol Recognition
Civil Rights, Discrimination, and Harassment Prevention
Coaching the Emergency Veh Operator -Ambulance III
Coaching the Emergency Veh Operator -Police II
Coaching the Experienced Driver III
Coaching the Passenger Van Driver III
Colorado Code of Ethics
Dealing with Difficult People
Disaster & Emergency Preparedness
Drug and Alcohol Recognition for Supervisors
Ethics for Personal Care Providers
First Aid with Stroke Briefing
Flagger Certification
FMLA Basic Rules
FMLA for Supervisors
Forklift Safety
Handling Cleaning Chemicals Safely
Harassment Prevention Refresher
Hazard Awareness & Body Mechanics
HazComiGHS
HazCom/GHS for Supervisors
HIPAA Privacy and Security
Job Interviewing and Selection
Managing Supervisors Liability
Managing Workers' Compensation & Modified Duty
MSHA Annual Refresher -8 Hour
MSHA New Miner Train ing-24 Hour
PC Workstation Ergonomics Group Briefing
Pre -Employment and Post Employment Screening
Reasonable Suspicion Drug & Alcohol Training for Supervisors
Safety in the Home
Sexual Harassment Prevention Briefing
Supervisory Skills I
Supervisory Skills II
Workers' Compensation for Supervisors
34
Thank you for your commitment to excellence
LAPP Members
Alamosa
Archuleta
Baca
Bent
Chaffee
Cheyenne
Clear Creek
Conejos
Costilla
Crowley
Custer
Delta
Dolores
Eagle
Elbert
Fremont
Garfield
Gilpin
Grand
Gunnison
Hinsdale
Huerfano
Jackson
Kiowa
Kit Carson
La Plata
Lake
Las Animas
Lincoln
Logan
Mineral
Moffat
Montrose
Morgan
Otero
Ouray
Park
Phillips
Prowers
Pueblo
Rio Blanco
Rio Grande
Routt
Saguache
San Juan
San Miguel
Sedgwick
Summit
Teller
Washington
Weld
Yuma
CWCP Members
Alamosa
Archuleta
Baca
Bent
Chaffee
Cheyenne
Clear Creek
Conejos
Crowley
Custer
Delta
Dolores
Eagle
Elbert
Fremont
Garfield
Gilpin
Grand
Gunnison
Hinsdale
Huerfano
Jackson
Kiowa
Kit Carson
La Plata
Lake
Las Animas
Lincoln
Logan
Mineral
Moffat
Montezuma
Montrose
Morgan
Otero
Ouray
Park
Phillips
Prowers
Pueblo
Rio Blanco
Rio Grande
Routt
Saguache
San Juan
San Miguel
Sedgwick
Summit
Teller
Washington
Yuma
CHP Members
Alamosa County
Archuleta County
Aspen Springs
Baca County
Buena Vista School
District
Busk Ivanhoe Water
Authority
CCI staff
Cheyenne County
Cheyenne Wells
Clear Creek Rec
Copper MT Cons
Metro
CTSI staff
Denver SE Water &
Sanitation
Dillon
Eagle Cty Charter
Academy
Eagle Health Services
ECCOG
Elbert County
Elbert County
Library District
Georgetown
Hinsdale County
Hinsdale School
District
Hot Sulphur Springs
Huerfano County
Ignacio School
District
Jackson County
Johnstown
Keefe Memorial
Hospital
Kiowa County
Kit Carson
Kit Carson County
Kit Carson Health
Services
Kremmling
Lake County
Lake Dillon Fire &
Rescue
Lake Durango Water
Authority
Lake Fork Health
Lamar
Las Animas County
Leaclville
Lincoln County
Logan County
Lone Cone Library
District
Milliken
Mineral County
Minturn
Montezuma County
Montrose County
Morgan County
NECALG
NWCCOG
Norwood
Ouray County
Phillips County
Pine River Irrigation
Prowers County
Pueblo Reg. Bldg
Dept
Red Cliff
RFTA
Rifle
Rio Blanco County
Rio Grande County
San Miguel County
Sedgwick County
Sedgwick Health Ctr
Sterling
Superior
Walden
Washington County
Yuma County
35
tTSI Board of Directors 2017
President
Terry Hart (MCP)
Commissioner
Pueblo County
Secretary
Kevin Karney (CAPP)
Commissioner
Otero County
Vice President
Darius Allen (CAPP)
Commissioner
Alamosa County
Director
Steve Wadley (DEP)
Commissioner
Archuleta County
Treasurer
Randy Schafer (CHP)
County Administrator
Phillips County
Director
Mack Louden(CHP)
Commissioner
Las Animas County
CAPP Board of Directors
2017
President/Comptroller
Darius Allen
Commissioner
Alamosa County
Vice President
Kevin Karney
Commissioner
Otero County
Secretary
Terry Hart
Commissioner
Pueblo County
Director
John Martin
Commissioner
Garfield County
Director
Rod Felton
Commissioner
Cheyenne County
Director
Jim Lwetzig
Corn missioner
Morgan County
Director
Sean Conway
Commissioner
Weld County
CWCP Board of Directors
2017
President/Comptroller
Terry Hart
Commissioner
Pueblo County
Vice President
Darius Allen
Commissioner
Alamosa County
Secretary
Steve Wadley
Commissioner
Archuleta County
Director
Dave Donaldson
Commissioner
Logan County
Director
John Sandoval
Commissioner
Conejos County
Director
Dave Paul
Commissioner
Teller County
Director
Ron Cook
Commissioner
Primers County
CHP Board of Directors
2017
President/Comptroller
Randy Schafer
Administrator
Phillips County
Vice President
Darius Allen
Corn missioner
Alamosa County
Secretary
Robin Wiley
Commissioner
Yuma County
Director
Keith Caddy
Commissioner
Montrose County
Director
Ray Garcia
Commissioner
Huerfano County
Di rector
Karla Shriver
Commissioner
Rio 'Grande County
Director
Mack Loudon
Commissioner
Las Animas County
36
Our History
County Technical Services, Inc. and the pools it administers is the outgrowth of county commissioners from
across Colorado uniting in the mid -1980s to face the turbulent times when commercial insurance company
premiums spiked upward and county insurance policy cancellations were the norm.
They sought answers and in 1984 found the solution: to pool their resources andform three county -owned
self-insurance pools administered by the risk management department of Colorado Counties, Inc. The County
Health Pool (GHP), the County Workers' Compensation Pool (CWGP), and the Colorado Counties Casualty and
Property Pool (LAPP).
After eight successful years of pool administration, the county commissioners liked what they were seeing as
owners of three top-notch insurance pools. With that, they decided to expand the services they were receiving to
include a vast array of technical and financial services for counties. The result-CTSI was incorporated as a
separate county -owned and operated entity in 1992.
Today, beyond its insurance, risk management and loss prevention roots, CTSI has expanded its services to offer
expertise to counties in such areas as:
Human Resources
Third -Party Claims Administration & Consultation
Grant Writing
Centralized County Administration
Financing Alternatives
Specialized Coverages & Programs
Training, Education and Regulatory Compliance
CTSI's Board of Directors is comprised of elected officials and county -government staff from throughout Colorado,
who keeps up with trends and gauge needs of county governments so the agency can respond quickly to
Colorado's changing insurance and public -policy landscape.
CTSI provides such cutting -edge services and other benefits while holding administrative costs to less than half the
industry average. Most of CTSI s services are available to member counties at no additional costs;
non-members tzre welcome to use OTSI services on a fee -for -service basis,
County Technical Services, Inc*
Helps counties with their day-to-day insurance and loss -prevention needs.
Is there when a loss occurs, providing guidance, expertise, a helping hand and calming voice.
On behalf of the county pools, negotiates competitive excess insurance rates, broker fees and other outside service
provider. fees using the clout of its member counties.
As not -for-profit governmental entities, the pools' and CTSI's equity belongs to its members.
Provides third -party claims and loss prevention services to outside entities thus lowering the county member costs
for CTSIservices.
Acts as the change agent for members and continually develops programs and services needed to accommodate
the changing landscape of county government.
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CTSI
Serving Colorado's Counties
County Technical Services, Inc.
800 Grant St., Suite 400
Denver, CO 80203
(303) 861-0507
www.ctsi.org
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