SELF INSURANCE MANUAL AND

PROGRAM OVERVIEW

ADMINISTRATION

Diocese of Allentown– Kelly Bruce, Director of Insurance & Real Estate

Financial Responsibilities Oversees Program Loss Prevention

Catholic Mutual – www.catholicmutual.org– Gary Dvorshak, Claims/Risk Manager and– Karen Messics, Risk/Claims Manager

Claims Administration Safety Inspections Coverage Information Contract Review – service providers Certificates of Coverage Loss prevention

WHAT IS “SELF INSURANCE”?

Premium Dollars Collected from

Diocesan Locations

•Claims Dollars•(very large diocesan deductible)

•Premiums for Excess Coverage

•Services•Claims Administration

•Risk Management

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PROPERTY COVERAGE

COVERAGE HIGHLIGHTS Replacement cost on buildings and most contents (Industrial Appraisal) Outside Property - shrines, fences, playground equipment Employees property (does not include theft) - $500 in coverage Property of others - $5,000 in coverage Extra Expense

COVERAGE EXCLUSIONS Settling, shrinkage, and expansion Wear and tear, defect, deterioration, vermin or termites, and corrosion Mechanical or electrical breakdown (subsequent loss is covered) Foundations below the undersurface, underground pipes

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GENERAL LIABILITY COVERAGE

Coverage extends to:– Parishes, schools, diocesan institutions, cemeteries, offices and

agencies comprising the Diocese of Allentown– Employees and volunteers in the course and scope of their duties

Coverage Includes:– Premises Liability - Counseling E&O– Products Liability - Host Liquor Liability

- Incidental Medical Malpractice- Employment Practices Liability

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Medical Payments Coverage

– $5,000 in no fault coverage to cover out of pocket medical costs

Not applicable to• Employees• Students (including CCD, CYO)• Athletics

– Coverage is excess to injured person’s primary health insurance, except medicare/medicaid

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CRIME COVERAGE

Employee / Volunteer fidelity Theft Depositors forgery

**This coverage does not apply to the loss of the contents of any poor box, votive stand, vending machine, etc.

Prior to consideration for claim coverage, all losses of this nature must be reported to the appropriate law

enforcement officials.

AUTOMOBILE COVERAGE

COLLISION - $200 deductible, $250 for buses

COMPREHENSIVE - $100 deductible– Fire, theft, vandalism, hail, glass breakage

RENTAL - $20 per day, $600 maximum

TOWING - $50 limit

AUTO LIABILITY NON-OWNED EXCESS AUTO LIABILITY

– Provides excess liability coverage for volunteers/employees using

their own vehicle on parish/school/diocesan business

WORKERS’ COMPENSATION

Employees who sustain on-the-job injuries Provides wage loss and medical benefits In accordance with Pennsylvania Workers’

Compensation Act Does not apply to volunteers Employer’s Report of Occupational Injury

Or Disease – Attachment E List of Designated Health Care Providers

- Employee Acknowledgement Form

- Signed at hire AND when injured

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BOILER / MACHINERY COVERAGE

($250 deductible per occurrence) Specific coverage provided by Hartford Steam Boiler Boiler / Air conditioning equipment covered on replacement cost for

accidental breakdown– Accidental breakdown is defined as “any sudden and accidental breakdown that

necessitates repair or replacement” except Deterioration, corrosion Wear & tear Leakage Breakdown of vacuum/gas tube or brush Breakdown of foundation Functioning of a safety device

Computer & data processing equipment Spoilage Business interruption Boiler inspections – every two years per state requirements

CLAIM REPORTING

YELLOW INSTRUCTION SHEET IN FRONT – Emergency Response Team

GENERAL LIABILITY CLAIMS– Who, What, When, Where, Why – according to them– Take photographs of the scene– DO NOT DISCUSS LIABILITY OR PROMISE PAYMENT

– LEGAL ACTIONS CONTACT CATHOLIC MUTUAL IMMEDIATELY FAX ANY LEGAL PAPERS AND CALL TO VERIFY RECEIPT

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CLAIM REPORTING

PROPERTY LOSSES– Report theft or vandalism to police – OBTAIN REPORT – Take steps to protect property from further damage– What, When, Where, How, Estimate repair cost

WORKERS’ COMPENSATION– Employer’s Report of Occupational Injury or Disease – COPY - Attachment E– Forward to Catholic Mutual Group as soon as possible

VEHICLE ACCIDENTS – attachment C– DO NOT DISCUSS LIABILITY OR PROMISE PAYMENT

BOILER/ MACHINERY CLAIMS– Take steps to protect property from further damage– What, When, Where, How, Estimate repair cost, repair facility– DO NOT DISPOSE OF ANY EQUIPMENT OR PARTS

RISK MANAGEMENT POLICIES

Vehicle Safety Program– Registration & Insurance Card– 11 – 15 passenger vans – Attachment G

– Field Trips Driver Information Car seats

RISK MANAGEMENT POLICIES

Contract Review – Leases, Rentals, Construction & Service Providers

Special Events– Use or Rental of Diocesan Facilites

Certificates of Insurance Special Events Coverage - $100 fee

NOTE EXCLUSIONS ON APPLICATION

RISK MANAGEMENT POLICIES

Employee Terminations– Diocesan Policy - May 1993 requires direction from Mr.

Ron Jacobs PRIOR to ANY employee termination– Failure to follow policy may result in denial of coverage

RISK MANAGEMENT POLICIES

Employee Safety and Health Program Accident and Illness Prevention Program Required by

Bureau of Workers’ Compensation, includes: – Employee Safety Handbook– Safety Training Video– Acknowledgement Form - personnel file– Blood borne Pathogen Training

STUDENT & VOLUNTEER ACCIDENT COVERAGE

Purchased by Diocese Currently Bollinger in Short Hills, NJ administrates First $100, then excess of primary health coverage If student or volunteer does not have coverage, this becomes

primary for specific accident only Claim forms are color specific and must be signed by parish or

school official before supplying to parent of injured student or injured volunteer. (Attachment P) Orange – School Student Blue – CCD Student, CYO Participant or Volunteer

• DENTAL INJURIES

Student Crisis Assistance Manual and Immediate Response Reference Guide

Student Crisis Assistance Manual – Each school’s Emergency Preparedness Guide– Developed in conjunction with the Non-public schools

consortium in Intermediate Units 14, 20, 21 and 29.– Distributed to all Diocesan schools - Spring 1996– Revised 2006

Provides directives and procedures to be followed in specific crisis situations

www.ciu20.org

Student Crisis Assistance Manual –Contents

Ch. 1 – Alcohol, Tobacco, and Other Drugs Ch. 2 – Child Abuse Ch. 3 – Death in the School Community Ch. 4 – Suicide Ch. 5 – Medical Emergency Ch. 6 – Natural Disasters

– Fire, Tornado, Hurricane, Earthquake, flood, etc.

Ch. 7 – Weapons and Violence– Intruder, bomb threats, firearms, gangs, etc.

Ch. 8 – Custody Issues Ch. 9 – Missing Child

Student Crisis Assistance Manual

PRINCIPAL’S DUTIES

1) Familiarize self with content

2) Review content with staff

3) Complete required information in all chapters

4) Provide copy to Office of Education

5) Review and update on an on-going basis

Immediate Response Reference Guide

Developed as supplement to Student Crisis Assistance Manual

Available for every member of school’s faculty and staff

Must be customized for your location

EVERY STAFF MEMBER RESPONSIBLE for knowing and understanding content

Immediate Response Reference Guide

Suggested distribution and training- Number each copy- Keep list of staff member’s number- Assign topics to groups of faculty members for review

and development of specific information- Conduct in-service for all with each group addressing

their specific topics- Collect at end of school year / redistribute and in-service

in August

On June 14, 2002 the United States Conference of Catholic Bishops approved the Charter for the Protection of Children and Young People

Resulting Initiatives in the Diocese

Overview of Charter Initiatives booklet

- Background Check Policy www.allentowndiocese.org

- Sexual Abuse Policy “Protection of Youth”

- Code of Conduct

- Safe Environment ProgramsProtecting God’s Children, Child Protection Catechesis, Called to Protect

- Child Protective Services Law - Amendment May 2007

- Quick Reference Guide

Protection of Youth

Asbestos (AHERA)Asbestos Hazard Emergency Response Act

Federal laws requires each school to take the following actions:

1. Perform an original inspection and re-inspection every three years for asbestos containing materials. (includes trailers)

2. Develop, maintain and update an asbestos management plan and keep a copy at the school. – available AT ALL TIMES

3. Provide yearly notification to parents, teachers and employees

4. Provide custodial staff with asbestos-awareness training.

- Contact Kelly Bruce or Diane Skidmore- 610-871-5200, x203 or x200 to set up new

5. Trained individual to survey the physical site every six months – Annual Spring

6. Contact person for Diocese - Mr. Edward Ritter @ 610-871-5200, x277 –Annual Fall

KEEP PROOF OF ALL OF THE ABOVE IN FILE