burlington county insurance commission agenda …apr 06, 2017 · burlington county insurance...

BURLINGTON COUNTY INSURANCE COMMISSION AGENDA AND REPORTS

APRIL 6, 2017

COUNTY ADMINISTRATION BUILDING FREEHOLDER CONFERENCE ROOM 1

FIRST FLOOR 49 RANCOCAS ROAD

MT. HOLLY, NJ 08060 2:00PM

OPEN PUBLIC MEETINGS ACT - STATEMENT OF COMPLIANCE

In accordance with the Open Public Meetings Act, notice of this meeting was given by: I. Advertising the notice in the Burlington County Times II. Filing advance written notice of this meeting with the Commissioners of the Burlington County Insurance Commission; and III. Posting notice on the Public Bulletin Board of the Office of the County Clerk

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BURLINGTON COUNTY INSURANCE COMMISSION AGENDA

OPEN PUBLIC MEETING: APRIL 6, 2017 49 RANCOCAS ROAD

MT. HOLLY, NJ 08060 2:00 PM

MEETING CALLED TO ORDER - OPEN PUBLIC MEETING NOTICE READ ROLL CALL OF COMMISSIONERS APPROVAL OF MINUTES: March 2, 2017 Open Minutes ................................Appendix I CORRESPONDENCE COMMITTEE REPORTS

Safety Committee: ....................................................................................................... Verbal Claims Committee: ..................................................................................................... Verbal

EXECUTIVE DIRECTOR/ADMINISTRATOR – PERMA .................................... Pages 2-22 TREASURER – Edward J. Troy Resolution 22-17 April Bill List ................................................................................................. 3 Resolution 23-17 April Health Bill List ..............................................................................Pages 24-25 January Treasurer Monthly Reports.....................................................................................Pages 26-27 ATTORNEY – Robert A. Baxter .................................................................................... Verbal CLAIMS SERVICE – PMA Management Corp.

Monthly Report.......................................................................................................... Pages 28-32

CEL SAFETY DIRECTOR – J.A. Montgomery Risk Control Monthly Report.......................................................................................................... Pages 33-36

OLD BUSINESS NEW BUSINESS PUBLIC COMMENT CLOSED SESSION Resolution 24-17 Closed Session……….................……………………………….…..Page 37 Motion for Executive Session (in accordance with the Open Public Meetings Act, N.J.S.A. 10:4-12) Motion to Return to Open Session MEETING ADJOURNMENT NEXT SCHEDULED MEETING: May 3, 2017 COUNTY ADMINISTRATION

BUILDING 49 RANCOCAS ROAD, MT. HOLLY NJ 08102, 2:00 PM

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BURLINGTON COUNTY INSURANCE COMMISSION 9 Campus Drive, Suite 216

Parsippany, NJ 07054 Telephone (201) 881-7632 Fax (201) 881-7633

Date: April 6, 2017 Memo to: Commissioners of the Burlington County Insurance Commission

From: PERMA Risk Management Services Subject: Executive Director's Report Certificate of Insurance Issuance Report (Pages 4-5) – Attached on pages 4-5 is the

certificate of issuance report from the CEL listing the certificates issued for the period of February 1, 2017 to February 28, 2017. There were 8 certificate of insurances during this period.

Motion to approve the certificate of insurance report

BCIC Meeting Schedule – The Commission is scheduled to meet again on May 4th. The

Executive Director is requesting the meeting date be changed to Wednesday, May 3rd at 2:00 PM. If this is agreeable, the Fund office will advertise the change of meeting date.

Motion to reschedule the May 4th meeting to Wednesday May 3rd at 2:00 PM

On Line Driving Training Courses – Commissioner Burke has requested another 250 usages

of the online National Safety Counsel Defensive Driver Course offered through SafeServe.com. The cost for 250 usages per year is $5,250. We are asking the Commissioners to consider approving this as a Commission expense as we did in 2015. One of the benefits of providing the course online is no one has to travel from their work location to attend the training. Providing this course helps address the Commission’s fleet auto liability and workers compensation exposure.

Motion to approve the Online Defensive Driver Training Course for 250

usages for a cost of $5,250 NJ Excess Counties Insurance Fund (CELJIF) (Pages 6-8) – As discussed at our last meeting

the CEL held their Re-Organization Meeting on February 23, 2017. A summary report of meeting is included in the agenda on pages 6-8. The CEL is scheduled to meet again on April 27, 2017.

BCIC Financial Fast Track (Page 9) – Included in the agenda on page 9 is a copy of the Financial Fast Track for the month of January.

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NJ CEL Property and Casualty Financial Fast Track (Page 10) – Included in the agenda on page 10 is a copy of the CEL Financial Fast Track Report for the month of January. As of January 31, 2017 the CEL has a surplus of $8,711,263. The cash amount is $11,998,906.

Claims Tracking Reports (Pages 11-13) – The claims tracking reports are on pages 11-13 of the agenda. The Executive Director will review the Claims Activity Report and Expected Loss Ratio Analysis Report as of February 28, 2017 with the Commission.

Bulletin NJCE 17-01 (Pages 14-18) – Attached on pages 14-18 is the first coverage bulletin issued by the NJCE Underwriting Manager regarding Unmanned Aircraft (“Drones”).

2017 Excess Insurance and Ancillary Coverage Policies – The CEL Underwriting Manager will be distributing an e-mail providing login information and instructions to access the Conner Strong & Buckelew website to view the insurance policies and endorsements by April 15, 2017. If any authorized representative experiences difficulty with the website they should contact the Fund Office for assistance.

2017-2018 Limit Schematics (Appendix II) – Included in Appendix II is a copy of the 2017-2018 Limit Schematics for the Burlington County Insurance Commission. A copy of the Limit Schematics will also be available on the Conner Strong & Buckelew website.

CEL TPA (Pages 19-20) – Included in the agenda on pages 19-20 is a copy of a letter from AmeriHealth with a revised Service Team announcement. Effective March 1, 2017 Amanda Metzger will be handling the CEL account taking over for Tom Watkins. Below is Amanda’s contact information.

Mandee Metzger Client Administrator

215-587-1773 [email protected]

2017 Property & Casualty Assessments – The 2017 Property & Casualty Assessment payments were due on March 15, 2017. The Treasurer advised he received payment from the County and Bridge Commission. The Board of Social Services is in the process of mailing their check.

Items on hold pending a decision from the County

• 2018 Professional Services RFP • Alternate Commissioner • County Worker Compensation Legacy Claims

Health Benefits Report – The Health Benefit Report starts on page 21.

mailto:[email protected]

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Burlington County Insurance Commission Certificate Of Insurance Monthly Report Wednesday, March 08, 2017 From 2/1/2017 To 2/28/2017 Holder Description of Issue Holder (H) / Insured Name (I) Holder / Insured Address Code Operations Date Coverage I- County of Burlington 49 Rancocas Road Mt. Holly, NJ 08060 Governmental Entity as respects to use of facilities by the Burl. Co. WIC Program on the 1st and 3rd Monday of the month, 9:00AM – 4:00PM. (see page 2) Company E: XS Worker Compensation Statutory x $1,000,000 XS Employers Liability $5,000,000 x $1,000,000 Policy Term 1/1/17 to 1/1/18 Policy # SP4054261 H- American Library Association Public 50 East Huron Street Chicago, IL 60611-2795 1873 Evidence of insurance. All operations usual to County Governmental 2/2/2017 PR Programs Office Entity regarding property coverage for a loaned exhibit scheduled I- County of Burlington 49 Rancocas Road Mt. Holly, NJ 08060 for March 29th, 2017 through May 26th, 2017 at the Westampton Public Library.

H- American Library Association Public 50 East Huron Street Chicago, IL 60611-2795 1873 Evidence of insurance. All operations usual to County Governmental 2/2/2017 PR Programs Office Entity regarding property coverage for a loaned exhibit scheduled I- County of Burlington 49 Rancocas Road Mt. Holly, NJ 08060 for March 29th, 2017 through May 26th, 2017 at the Westampton Public Library. (see page 2)

H- American Library Association Public 50 East Huron Street Chicago, IL 60611-2795 1873 Evidence of insurance. All operations usual to County Governmental 2/2/2017 GL EX AU WC Programs Office Entity regarding property coverage for a loaned exhibit scheduled I- County of Burlington 49 Rancocas Road Mt. Holly, NJ 08060 for March 29th, 2017 through May 26th, 2017 at the Westampton Public Library. (see page 2)

Company E: XS Worker Compensation Statutory x $1,000,000 XS Employers Liability $5,000,000 x $1,000,000 Policy Term 1/1/17 to 1/1/18 Policy # SP4054261 H- FEMA 105 South 7th Street Philadelphia, PA 19106 1875 Evidence of insurance. All operations usual to County Governmental 2/3/2017 PR I- County of Burlington 49 Rancocas Road Mt. Holly, NJ 08060 Entity as respects 1991 Route 542 New Gretna (Bass River Township) NJ 08224. High Risk Zone. Applicable deductible/self- insured retention is $500,000.

H- Burlington County 49 Rancocas Road Mt. Holly, NJ 08060 1876 Evidence of insurance. All operations usual to County Governmental 2/3/2017 GL EX AU WC I- County of Burlington 49 Rancocas Road Mt. Holly, NJ 08060 Entity. (see page 2)

Company E: XS Worker Compensation Statutory x $1,000,000 XS Employers Liability $5,000,000 x $1,000,000 Policy Term 1/1/17 to 1/1/18 Policy # SP4054261

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H- Burlington County 49 Rancocas Road Mt. Holly, NJ 08060 1876 Evidence of insurance. All operations usual to County Governmental 2/3/2017 GL EX AU WC I- County of Burlington 49 Rancocas Road Mt. Holly, NJ 08060 Entity.

Company E: XS Worker Compensation Statutory x $1,000,000 XS Employers Liability $5,000,000 x $1,000,000 Policy Term 1/1/17 to 1/1/18 Policy # SP4054261 H- Rowan College at Burlington County 601 Pemberton Browns Mills Road 1877 Rowan College at Burl. Co. College and its appointed officials, 2/6/2017 GL EX AU WC Pemberton, NJ 08068-1599 directors, trustees, consultants, agents and employees are I- County of Burlington 49 Rancocas Road Mt. Holly, NJ 08060 additional insured where obligated by virtue of a written contract or written mutual aid agreement or other written agreement with the Named Assured, but only in respect to acts or operations by or on behalf of the Named Assured and subject to the limitations on coverage contained in any such written contract (see page 2)

or written mutual aid agreement or other written agreement regarding the

Teen Arts Festivial on March 13 – 16, 2017. Company E: XS Worker Compensation Statutory x $1,000,000 XS Employers Liability $5,000,000 x $1,000,000 Policy Term 1/1/17 to 1/1/18 Policy # SP4054261

Total # of Holders = 8

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NEW JERSEY COUNTIES EXCESS JOINT INSURANCE FUND 9 Campus Drive – Suite 216 Parsippany, NJ 07054-4412

Telephone (201) 881-7632 Fax (201) 881-7633

Date: February 23, 2017 To: Executive Committee Burlington County Insurance Commission From: PERMA Risk Management Services Subject: New Jersey Counties Excess Meeting Report 2017 Reorganization: The NJCE conducted its 2017 Reorganization and adopted the respective resolutions to conduct the business of the Fund. As per the NJCE Bylaws, the total number of commissioners exceeds seven and can meet as an Executive Committee with a Chair, Secretary, and a five-member Executive Committee and up to four Alternate Commissioners. Below is a listing of the 2017 Executive Committee and alternates; however, the NJCE meets as a Board of Fund Commissioners.

2017 Officers & Executive Committee

Public Meeting Procedures: The Board of Fund Commissioners confirmed the following meeting schedule:

2017 Meeting Schedule & 2018 Reorganization April 27, 2017 DiPiero Center – Blackwood, NJ 1:00PM June 22, 2017 Camden County Emergency Training Center 1:00PM September 28, 2017 Camden County Emergency Training Center 1:00PM October 26, 2017 Camden County Emergency Training Center 1:00PM November 16, 2017 Camden County Emergency Training Center 1:00PM February 22, 2018 2018 Reorganization Camden County Emergency Training Center 1:00PM

Chairman Ross Angilella Camden County Insurance Commission Secretary John Kelly Ocean County Executive Committee Janette Kessler Atlantic County Insurance Commission Kendall Collins Burlington County Insurance Commission Ken Mecouch Cumberland County Insurance Commission Gerald White Gloucester County Insurance Commission Edmund Shea Hudson County Alternates Andrew Mair Mercer County Insurance Fund Commission Jessica Foote Bishop Salem County Insurance Commission Michael Yuska Union County

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2017 Risk Management Plan: Included as part of the Reorganization was the 2017 Risk Management Plan with changes highlighted from the prior year. Solicitation of Quotations Auditor: The Fund’s one-year contract with Bowman & Company will expire in April. The Board of Fund Commissioners authorized the fund office to proceed and solicit quotations for auditing services; results will be prepared by the next meeting for the board to review and award a contract so services can begin on the audit ending December 31, 2016. Underwriting Data Validation - Payroll Audits: During the 2017 budget development, discussion was held on a progressive initiative to obtain consistent and ratable data through payroll audits, property appraisals and an underwriting data system. The fund office has received an informal scope and cost proposal from Bowman and Company to conduct a payroll audit for all members and their autonomous agencies for the 2018 renewal year. The Board of Fund Commissioners authorized the fund office to solicit quotations for payroll auditing service; results will be prepared by the next meeting for the board to review and award a contract. Asset Manager: The fund office sought price quotes for Asset Manager Services to provide investment and monthly reporting on terms investments in securities authorized by law and the fund’s cash management plan. Executive Director reported two firms - TD Bank and Wilmington Trust - responded to all required services; TD Bank submitted fees of 5.5 basis point and Wilmington Trust 5 basis points based on a percentage of fixed income assets. The Board of Fund Commissioners accepted a recommendation to award a one-year contract to Wilmington Trust at an estimated cost not to exceed $10,000; using the fund’s cash balance as of December 31, 2016 fees will be approximately $2,000 per year. Potential Membership: Executive Director reported marketing efforts have been underway to offer membership to the County of Monmouth effective on/about April 1, 2017. A summary report of the County and the proposed program was reviewed during Closed Session. The Board of Fund Commissioners adopted a resolution offering membership to the County of Monmouth and to authorize the Underwriting Manager to bind coverage. Underwriting Manager

2017 Excess & Ancillary Renewal Program Report: Underwriting Manager submitted a report on the renewal and noted the following highlights:

• Negotiations with Zurich, the Fund’s Property carrier, resulted in a flat rate renewal with an increase in deductibles for vacant properties from $100,000 to $250,000.

• Safety National, the Fund’s expiring Excess Workers’ Compensation carrier, offered a two-year renewal deal with incremental rate savings each year.

2017 Extraordinary Unspecifiable Services (EUS): The Board of Fund Commissioners previously approved authorization for the Underwriting Manager to bind coverage of the 2017 renewal program. The EUS statements binding the coverage are kept on file in the fund office; a summary statement was included in the agenda for information. The Board of Fund Commissioners adopted a resolution memorializing the authorization for the Underwriting Manager to bind coverage.

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Coverage Committee: Underwriting Manager submitted a proposal on the formation of a Coverage Committee based on the Fund’s continued membership growth and development to review and steer coverage where needed. Committee would be comprised of Fund Commissioners, Fund Administrators, Risk Managers and the Underwriting Team. Commissioners Kelly, White and Kessler volunteered to serve on the committee; local member risk managers would be invited to participate as well.

2017 Budget: In accordance with the regulations, the budget adopted by the Fund was advertised in the Fund’s official newspapers and filed with the State.

2017 Financial Disclosures: Board members should anticipate the online filing of the Financial Disclosure forms as both a NJCE Commissioner, as well as, any County-related positions that require filing. It is expected the Division of Local Government Services will distribute a notice in March and forms will need to be filed by April 30th.

Financial Fast Track: The Financial Fast Track as of December 31, 2016 reflected a statutory surplus of $8.3 million. Claims Status Summary: AmeriHealth Casualty Services provided a summary report of any claims with large open reserves which were reviewed during Closed Session. Risk Control: Safety Director’s report included a report reflecting the risk control activities from October 2016 thru March 2017 and Safety Director Bulletins. Safety Director submitted a memorandum on the 2017 BRIT Safety Grant Program; the annual grant increased from $30,000 to $35,000. The Board of Fund Commissioners agreed with a suggestion to split the available funds in order to make the distribution equitable. The MEL JIF has been asked to provide a fee proposal for NJCE members to access the MEL Safety Institute (MSI), which is an instructor-led training academy offering broad range of safety topics required by PEOSH and other agencies. A report will be provided at the next meeting. Next Meeting: The next meeting of the NJCE fund is scheduled for April 27, 2017 at 1:00PM at the DiPiero Center – 512 Lakeland Road, Suite 200 7th Floor, Blackwood, NJ.

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AS OF

THIS MONTH YTD CHANGE PRIOR YEAR END FUND BALANCE1. UNDERWRITING INCOME 381,533 381,533 22,595,264 22,976,7972. CLAIM EXPENSES

Paid Claims 119,355 119,355 7,248,517 7,367,872Case Reserves 100,180 100,180 3,407,852 3,508,032IBNR 26,193 26,193 2,066,654 2,092,847Discounted Claim Value (6,005) (6,005) (126,007) (132,012)

TOTAL CLAIMS 239,724 239,724 12,597,015 12,836,7393. EXPENSES

Excess Premiums 148,466 148,466 9,358,931 9,507,398Administrative 27,077 27,077 1,722,146 1,749,224

TOTAL EXPENSES 175,543 175,543 11,081,078 11,256,6214. UNDERWRITING PROFIT (1-2-3) (33,735) (33,735) (1,082,829) (1,116,563)5. INVESTMENT INCOME 1,752 1,752 74,292 76,0446. PROFIT (4 + 5) (31,982) (31,982) (1,008,537) (1,040,519)7. CEL APPROPRIATION CANCELLATION 0 0 4,958 4,9588. DIVIDEND INCOME 0 0 0 09. DIVIDEND EXPENSE 0 0 0 010. INVESTMENT IN JOINT VENTURE 5,453 5,453 682,571 688,024

11. SURPLUS (6 + 7 + 8) (26,529) (26,529) (321,008) (347,537)

SURPLUS (DEFICITS) BY FUND YEAR

(1,199) (1,199) 787,960 786,762(12,847) (12,847) (289,908) (302,755)

430 430 (238,202) (237,772)(614) (614) (346,492) (347,107)

(5,137) (5,137) (234,366) (239,503)(7,162) (7,162) (7,162)

TOTAL SURPLUS (DEFICITS) (26,529) (26,529) (321,008) (347,537)

TOTAL CASH 3,584,421

CLAIM ANALYSIS BY FUND YEAR

FUND YEAR 2012Paid Claims 3,299 3,299 1,580,568 1,583,867Case Reserves 1,324 1,324 177,509 178,832IBNR (2,647) (2,647) 64,597 61,950Discounted Claim Value 0 0 (3,715) (3,715)

TOTAL FY 2012 CLAIMS 1,976 1,976 1,818,959 1,820,934


TOTAL FY 2013 CLAIMS 13,092 13,092 2,757,985 2,771,077

FUND YEAR 2014Paid Claims 7,678 7,678 1,290,190 1,297,868Case Reserves (7,415) (7,415) 758,871 751,456IBNR (185) (185) 575,219 575,034Discounted Claim Value 0 0 (29,038) (29,038)

TOTAL FY 2014 CLAIMS 78 78 2,595,242 2,595,320


TOTAL FY 2015 CLAIMS 904 904 2,674,119 2,675,023

FUND YEAR 2016Paid Claims 57,910 57,910 889,738 947,648Case Reserves 5,550 5,550 846,965 852,515IBNR (59,879) (59,879) 1,064,620 1,004,741Discounted Claim Value 0 0 (50,612) (50,612)

TOTAL FY 2016 CLAIMS 3,582 3,582 2,750,710 2,754,292

FUND YEAR 2017Paid Claims 4,104 4,104 4,104Case Reserves 18,514 18,514 18,514IBNR 203,480 203,480 203,480Discounted Claim Value (6,005) (6,005) (6,005)

TOTAL FY 2017 CLAIMS 220,093 220,093 0 220,093

COMBINED TOTAL CLAIMS 239,724 239,724 12,597,015 12,836,739

BURLINGTON COUNTY INSURANCE COMMISSIONFINANCIAL FAST TRACK REPORT

January 31, 2017ALL YEARS COMBINED

This report is based upon information which has not been audited nor certified by an actuary and as such may not truly represent the condition of the fund.

201220132014201520162017

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AS OF January 31, 2017

THIS YTD PRIOR FUNDMONTH CHANGE YEAR END BALANCE

1. UNDERWRITING INCOME 1,746,446 1,746,446 97,465,900 99,212,3472. CLAIM EXPENSES

Paid Claims (11,834) (11,834) 2,721,199 2,545,011Case Reserves 338,862 338,862 2,624,454 2,963,316IBNR (624) (624) 9,575,203 9,409,580Discounted Claim Value (22,681) (22,681) (715,004) (734,879)

TOTAL CLAIMS 303,724 303,724 14,205,852 14,183,0273. EXPENSES

Excess Premiums 1,222,732 1,222,732 67,102,915 68,325,648Administrative 130,897 130,897 7,187,402 7,318,300

TOTAL EXPENSES 1,353,630 1,353,630 74,290,317 75,643,9474. UNDERWRITING PROFIT (1-2-3) 89,092 89,092 8,969,731 9,385,3735. INVESTMENT INCOME 4,220 4,220 229,221 233,4416. PROFIT (4+5) 93,313 93,313 9,198,951 9,618,8147. Dividend 0 0 300,000 300,0008. Cancelled Appropriations 0 0 607,551 607,5519. SURPLUS (6-7-8) 93,313 93,313 8,291,400 8,711,263

SURPLUS (DEFICITS) BY FUND YEAR

217 217 722,132 722,349360 360 921,187 921,547

2,908 2,908 554,609 557,517595 595 1,277,188 1,277,783790 790 2,048,737 2,049,527909 909 989,944 990,852944 944 1,777,603 1,778,547

86,590 86,590 86,590TOTAL SURPLUS (DEFICITS) 93,313 93,313 8,291,400 8,384,712TOTAL CASH 11,998,906

CLAIM ANALYSIS BY FUND YEAR

FUND YEAR 2010Paid Claims 0 0 164,355 164,355Case Reserves 0 0 1 1IBNR 0 0 164,999 164,999Discounted Claim Value 0 0 (2,805) (2,805)

TOTAL FY 2010 CLAIMS 0 0 326,550 326,550

FUND YEAR 2011Paid Claims 4,440 4,440 396,667 401,107Case Reserves (4,440) (4,440) 407,372 402,932IBNR 0 0 380,961 380,961Discounted Claim Value 0 0 (39,146) (39,146)

TOTAL FY 2011 CLAIMS 0 0 1,145,854 1,145,854


TOTAL FY 2012 CLAIMS (2,503) (2,503) 2,337,897 2,335,395

FUND YEAR 2013Paid Claims (28,404) (28,404) 516,427 488,023Case Reserves 69,984 69,984 623,730 693,714IBNR (41,580) (41,580) 1,009,843 968,263Discounted Claim Value 0 0 (86,001) (86,001)

TOTAL FY 2013 CLAIMS 0 0 2,063,999 2,063,999

FUND YEAR 2014Paid Claims 5,230 5,230 268,119 273,349Case Reserves 23,155 23,155 141,719 164,875IBNR (28,385) (28,385) 1,750,161 1,721,776Discounted Claim Value 0 0 (101,570) (101,570)

TOTAL FY 2014 CLAIMS 0 0 2,058,430 2,058,430

FUND YEAR 2015Paid Claims 349 349 242,661 243,010Case Reserves 9,108 9,108 1,021,082 1,030,189IBNR (9,457) (9,457) 2,311,258 2,301,801Discounted Claim Value 0 0 (204,420) (204,420)

TOTAL FY 2015 CLAIMS 0 0 3,370,580 3,370,580

FUND YEAR 2016Paid Claims 0 0 0 0Case Reserves 110 110 88 198IBNR (110) (110) 3,113,912 3,113,802Discounted Claim Value 0 0 (211,458) (211,458)

TOTAL FY 2016 CLAIMS 0 0 2,902,542 2,902,542

FUND YEAR 2017Paid Claims 0 0 0Case Reserves 0 0 0IBNR 328,907 328,907 328,907Discounted Claim Value (22,681) (22,681) (22,681)

TOTAL FY 2017 CLAIMS 306,227 306,227 0 306,227

COMBINED TOTAL CLAIMS 303,724 303,724 14,205,852 14,509,577

2012

NEW JERSEY COUNTIES EXCESS JIFFINANCIAL FAST TRACK REPORT

ALL YEARS COMBINED

20102011

20132014201520162017


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AS OF February 28, 2017C O V E R A G E L I N E - PROPERTYC L A I M C O U N T - O P E N C L A I M SYear 2010 2011 2012 2013 2014 2015 2016 2017 TOTAL

January-17 0 0 0 0 0 0 1 0 1February-17 0 0 0 0 0 0 0 0 0

NET CHGE 0 0 0 0 0 0 -1 0 -1Limited Reserves #DIV/0!Year 2010 2011 2012 2013 2014 2015 2016 2017 TOTAL

January-17 $0 $0 $0 $0 $0 $0 $30,080 $0 $30,080February-17 $0 $0 $0 $0 $0 $0 $0 $0 $0

NET CHGE $0 $0 $0 $0 $0 $0 ($30,080) $0 ($30,080)Ltd Incurred $0 $0 $59,388 $0 $2,109 $166,308 $357,306 $0 $585,110C O V E R A G E L I N E - GENERAL LIABILITYC L A I M C O U N T - O P E N C L A I M SYear 2010 2011 2012 2013 2014 2015 2016 2017 TOTAL


NET CHGE 0 0 -1 0 -1 -7 -3 1 -11Limited Reserves $18,143Year 2010 2011 2012 2013 2014 2015 2016 2017 TOTAL

January-17 $0 $0 $52,638 $273,159 $420,782 $92,015 $142,448 $10,250 $991,293February-17 $0 $0 $43,165 $268,212 $408,851 $83,178 $155,814 $20,500 $979,721

NET CHGE $0 $0 ($9,473) ($4,947) ($11,931) ($8,837) $13,366 $10,250 ($11,572)Ltd Incurred $0 $0 $433,177 $563,092 $1,043,755 $282,456 $201,000 $20,500 $2,543,980C O V E R A G E L I N E - AUTO LIABILITYC L A I M C O U N T - O P E N C L A I M SYear 2010 2011 2012 2013 2014 2015 2016 2017 TOTAL


NET CHGE 0 0 0 0 -2 0 0 2 0Limited Reserves $16,987Year 2010 2011 2012 2013 2014 2015 2016 2017 TOTAL

January-17 $0 $0 $0 $0 $180,473 $19,698 $37,550 $266 $237,987February-17 $0 $0 $0 $0 $177,063 $19,698 $37,328 $3,731 $237,820

NET CHGE $0 $0 $0 $0 ($3,409) $0 ($222) $3,464 ($167)Ltd Incurred $0 $0 $7,877 $41,428 $345,205 $70,020 $133,705 $20,332 $618,567C O V E R A G E L I N E - WORKERS COMP.C L A I M C O U N T - O P E N C L A I M SYear 2010 2011 2012 2013 2014 2015 2016 2017 TOTAL


NET CHGE 0 0 0 0 -1 -1 -6 11 3Limited Reserves $28,139Year 2010 2011 2012 2013 2014 2015 2016 2017 TOTAL

January-17 $0 $0 $126,194 $578,605 $150,201 $743,237 $642,437 $7,998 $2,248,673February-17 $0 $0 $169,572 $542,720 $149,190 $750,329 $609,545 $57,894 $2,279,250

NET CHGE $0 $0 $43,378 ($35,885) ($1,011) $7,092 ($32,892) $49,896 $30,577Ltd Incurred $0 $0 $1,384,761 $2,122,118 $787,593 $1,897,639 $1,164,006 $72,564 $7,428,680

Year 2010 2011 2012 2013 2014 2015 2016 2017 TOTALJanuary-17 0 0 8 14 21 38 68 9 158February-17 0 0 7 14 17 30 58 23 149

NET CHGE 0 0 -1 0 -4 -8 -10 14 -9Limited Reserves $23,468Year 2010 2011 2012 2013 2014 2015 2016 2017 TOTAL

January-17 $0 $0 $178,832 $851,764 $751,456 $854,950 $852,515 $18,514 $3,508,032February-17 $0 $0 $212,737 $810,932 $735,105 $853,205 $802,687 $82,124 $3,496,791

NET CHGE $0 $0 $33,905 ($40,832) ($16,351) ($1,745) ($49,828) $63,610 ($11,241)Ltd Incurred $0 $0 $1,885,203 $2,726,638 $2,178,662 $2,416,424 $1,856,015 $113,396 $11,176,338

C L A I M C O U N T - O P E N C L A I M S

Burlington County Insurance CommissionCLAIM ACTIVITY REPORT

T O T A L A L L L I N E S C O M B I N E D

FUND YEARS 2015 2016 2017

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Bur lington County Insur ance CommissionCLAIMS MANAGEMENT REPORT

EXPECTED LOSS RATIO ANALYSIS AS OF Febr uar y 28, 2017

FUND YEAR 2015 -- LOSSES CAPPED AT RETENTION26 25 14

Budget Actual Actual Actual28-Ceb-17 31-Jan-17 28-Ceb-16

PROPERTY 117,000 166,308 166,308 142.14% 117,000 100.00% 166,308 166,308 142.14% 117,000 100.00% 121,433 121,433 103.79% 112,360 96.03%DEN LIABILITY 300,000 282,456 282,456 94.15% 244,958 81.65% 282,456 282,456 94.15% 241,643 80.55% 281,533 281,533 93.84% 192,592 64.20%AUTO LIABILITY 68,000 70,020 70,020 102.97% 53,666 78.92% 70,020 70,020 102.97% 52,852 77.72% 70,160 70,160 103.18% 38,735 56.96%WORYER'S COaP 1,732,504 1,897,639 1,897,639 109.53% 1,642,339 94.80% 1,924,831 1,924,831 111.10% 1,631,974 94.20% 1,402,558 1,402,558 80.96% 1,297,367 74.88%TOTAL ALL LINES 2,217,504 2,416,424 2,416,424 108.97% 2,057,963 92.81% 2,443,615 2,443,615 110.20% 2,043,470 92.15% 1,875,686 1,875,686 84.59% 1,641,054 74.00%NET PAYOUT % $1,563,219



PROPERTY 98,000 357,306 357,306 364.60% 94,113 96.03% 387,385 387,385 395.29% 93,717 95.63% 115,000 115,000 117.35% 12,740 13.00%DEN LIABILITY 368,000 201,000 201,000 54.62% 236,246 64.20% 186,500 186,500 50.68% 229,041 62.24% 1,000 1,000 0.27% 9,200 2.50%AUTO LIABILITY 74,000 133,705 133,705 180.68% 42,153 56.96% 133,705 133,705 180.68% 40,080 54.16% 14,927 14,927 20.17% 1,850 2.50%WORYER'S COaP 1,789,699 1,164,006 1,164,006 65.04% 1,340,197 74.88% 1,095,669 1,095,669 61.22% 1,255,136 70.13% 92,364 92,364 5.16% 35,794 2.00%TOTAL ALL LINES 2,329,699 1,856,015 1,856,015 79.67% 1,712,709 73.52% 1,803,259 1,803,259 77.40% 1,617,974 69.45% 223,292 223,292 9.58% 59,584 2.56%NET PAYOUT % $1,053,328

FUND YEAR 2017 -- LOSSES CAPPED AT RETENTION2 1 -10


PROPERTY 80,164 0 0 0.00% 10,421 13.00% 0 0 0.00% 4,810 6.00% 0 0 N/A N/A N/ADEN LIABILITY 584,788 20,500 20,500 3.51% 14,620 2.50% 10,250 10,250 1.75% 5,848 1.00% 0 0 N/A N/A N/AAUTO LIABILITY 102,785 20,332 20,332 19.78% 2,570 2.50% 500 500 0.49% 1,028 1.00% 0 0 N/A N/A N/AWORYER'S COaP 1,696,635 72,564 72,564 4.28% 33,933 2.00% 11,868 11,868 0.70% 8,483 0.50% 0 0 N/A N/A N/ATOTAL ALL LINES 2,464,372 113,396 113,396 4.60% 61,543 2.50% 22,618 22,618 0.92% 20,169 0.82% 0 0 N/A N/A N/A

aONTI TARDETED

45.21%

Current Last aonth Last YearUnlimited Incurred

Limited Incurred

aONTI TARDETED

Unlimited Incurred

Limited Incurred

aONTI TARDETED

Unlimited Incurred

Limited Incurred

aONTI TARDETED

70.49%


Limited Incurred

aONTI TARDETED

Unlimited Incurred

Limited Incurred

aONTI TARDETED

Unlimited Incurred

Limited Incurred

aONTI TARDETED


Limited Incurred

aONTI TARDETED

Unlimited Incurred

Limited Incurred

aONTI TARDETED

Unlimited Incurred

Limited Incurred

FUND YEARS 2012 2013 2014

13

Bur lington County Insur ance CommissionCLAIMS MANAGEMENT REPORT

EXPECTED LOSS RATIO ANALYSIS AS OF Febr uar y 28, 2017



PROPERTY 124,180 59,388 59,388 47.82% 124,180 100.00% 59,388 59,388 47.82% 124,180 100.00% 59,388 59,388 47.82% 124,180 100.00%DEN LIABILITY 219,452 433,177 433,177 197.39% 213,143 97.13% 441,667 441,667 201.26% 213,122 97.12% 442,599 442,599 201.68% 211,174 96.23%AUTO LIABILITY 68,206 7,877 7,877 11.55% 65,880 96.59% 7,877 7,877 11.55% 65,747 96.39% 7,877 7,877 11.55% 63,619 93.27%WORYER'S COaP 2,058,826 1,415,028 1,384,761 67.26% 2,057,386 99.93% 1,371,650 1,371,650 66.62% 2,056,769 99.90% 1,340,946 1,340,946 65.13% 2,048,991 99.52%TOTAL ALL LINES 2,470,664 1,915,470 1,885,203 76.30% 2,460,589 99.59% 1,880,582 1,880,582 76.12% 2,459,819 99.56% 1,850,810 1,850,810 74.91% 2,447,964 99.08%NET PAYOUT % $1,672,466



PROPERTY 126,664 0 0 0.00% 126,664 100.00% 0 0 0.00% 126,664 100.00% 0 0 0.00% 126,664 100.00%DEN LIABILITY 223,841 563,092 563,092 251.56% 215,397 96.23% 563,092 563,092 251.56% 214,860 95.99% 331,995 331,995 148.32% 204,552 91.38%AUTO LIABILITY 69,570 41,428 41,428 59.55% 64,891 93.27% 41,428 41,428 59.55% 64,650 92.93% 41,428 41,428 59.55% 61,431 88.30%WORYER'S COaP 1,804,203 2,122,118 2,122,118 117.62% 1,795,584 99.52% 2,144,050 2,144,050 118.84% 1,794,512 99.46% 2,014,566 2,014,566 111.66% 1,775,790 98.43%TOTAL ALL LINES 2,224,277 2,726,638 2,726,638 122.59% 2,202,536 99.02% 2,748,570 2,748,570 123.57% 2,200,686 98.94% 2,387,988 2,387,988 107.36% 2,168,436 97.49%NET PAYOUT % $1,915,706



PROPERTY 126,664 2,109 2,109 1.67% 126,664 100.00% 2,109 2,109 1.67% 126,664 100.00% 2,109 2,109 1.67% 126,664 100.00%DEN LIABILITY 223,841 1,043,755 1,043,755 466.29% 204,552 91.38% 870,662 870,662 388.96% 203,196 90.78% 500,181 500,181 223.45% 182,772 81.65%AUTO LIABILITY 69,570 345,205 345,205 496.20% 61,431 88.30% 345,205 345,205 496.20% 61,059 87.77% 236,411 236,411 339.82% 54,905 78.92%WORYER'S COaP 1,690,287 787,593 787,593 46.60% 1,663,668 98.43% 783,098 783,098 46.33% 1,661,052 98.27% 655,008 655,008 38.75% 1,602,319 94.80%TOTAL ALL LINES 2,110,361 2,178,662 2,178,662 103.24% 2,056,314 97.44% 2,001,075 2,001,075 94.82% 2,051,971 97.23% 1,393,710 1,393,710 66.04% 1,966,660 93.19%NET PAYOUT % $1,443,558


Limited Incurred

aONTI TARDETED

Unlimited Incurred

Limited Incurred

aONTI TARDETED

Unlimited Incurred

Limited Incurred

aONTI TARDETED

67.69%


Limited Incurred

aONTI TARDETED

Unlimited Incurred

Limited Incurred

aONTI TARDETED

Unlimited Incurred

Limited Incurred

aONTI TARDETED

68.40%

86.13%


Limited Incurred

aONTI TARDETED

Unlimited Incurred

Limited Incurred

aONTI TARDETED

Unlimited Incurred

Limited Incurred

aONTI TARDETED

14

NEW JERSEY COUNTIES EXCESS JOINT INSURANCE FUND 9 Campus Drive, Suite 216

Parsippany, NJ 07054 Telephone (201) 881-7632

BULLETIN NJCE 17-01

Date: February 1, 2017 To: Fund Commissioners of NJCE From: NJCE Underwriting Manager, Conner Strong & Buckelew Re: Unmanned Aircraft (“Drones”) Liability coverage for Unmanned Aircraft, also known as “drones”, as previously reported, is available within your Non-Owned Aircraft policy and your Casualty policy. Non-owned drones, those not owned by the NJCE insureds, would be covered under the Non-Owned Aircraft policy on a blanket basis. Owned drones, those owned by the NJCE insureds, would be covered under the Casualty policy. Additional information on operating the drones and the regulations can be found in the attached addendums. AVAILABLE COVERAGE Non-Owned Aircraft Policy

Pilot of the aircraft must meet the requirements of the FAA Homebuilt aircraft and military aircraft are specifically excluded

Owned Aircraft (Casualty Policy)

Coverage is only available in the first layer of excess casualty coverage with Brit The aircraft cannot be weaponized “Unmanned Aircraft”: means an aircraft, either fixed-wing or rotary-wing, without a human pilot on

board, weighing 10 pounds or less, controlled by computers in the aircraft or under the remote control of a pilot on the ground

- Aircraft 10 pounds or less: must be underwritten - Aircraft over 10 pounds: must be underwritten and scheduled

Minimum underwriting information required: - Year, make and model - Description - Date of purchase - Unit cost - Unit serial number - Payload, if any (i.e. cameras, etc.) - Intended use - Legal compliance (i.e. FAA registration)

The above description is a general discussion of the coverage and limits provided by the NJCE; however, the actual terms and conditions are defined in the policy document and all issues shall be decided based on the policy document. If you have any questions concerning this bulletin, please contact your Risk Management Consultant, Commission Executive Director or the Underwriting Manager.

cc: Risk Management Consultants Fund and Commission Professionals Fund and Commission Executive Directors

BULLETIN NJCE 17-01 ADDENDUM

15

First and foremost, we strongly recommend counsel review of the planned operations of the drone and the compliance requirements. Following is the link to the full FAA Rule Part 107: http://www.ecfr.gov/cgi-bin/text-idx?SID=6d9c3436a0ff5933d8197519c063133f&mc=true&node=pt14.2.107&rgn=div5 The following is a summary published by the FAA regarding its final rule on drones: Summary of Small Unmanned Aircraft Rule (Part 107) – June 21, 2016 Operational Limitations: Unmanned aircraft must weigh less than 55 lbs. (25 kg). Visual line-of-sight (VLOS) only; the unmanned aircraft must remain within VLOS of the remote pilot in

command and the person manipulating the flight controls of the small UAS. Alternatively, the unmanned aircraft must remain within VLOS of the visual observer.

At all times the small unmanned aircraft must remain close enough to the remote pilot in command and the person manipulating the flight controls of the small UAS for those people to be capable of seeing the aircraft with vision unaided by any device other than corrective lenses.

Small unmanned aircraft may not operate over any persons not directly participating in the operation, not under a covered structure, and not inside a covered stationary vehicle.

Daylight-only operations, or civil twilight (30 minutes before official sunrise to 30 minutes after official sunset, local time) with appropriate anti-collision lighting.

Must yield right of way to other aircraft. May use visual observer (VO) but not required. First-person view camera cannot satisfy “see-and-avoid” requirement but can be used as long as

requirement is satisfied in other ways. Maximum groundspeed of 100 mph (87 knots). Maximum altitude of 400 feet above ground level (AGL) or, if higher than 400 feet AGL, remain within 400

feet of a structure. Minimum weather visibility of 3 miles from control station. Operations in Class B, C, D and E airspace are allowed with the required ATC permission. Operations in Class G airspace are allowed without ATC permission. No person may act as a remote pilot in command or VO for more than one unmanned aircraft operation at

one time. No operations from a moving aircraft. No operations from a moving vehicle unless the operation is over a sparsely populated area. No careless or reckless operations. No carriage of hazardous materials. Requires preflight inspection by the remote pilot in command. A person may not operate a small unmanned aircraft if he or she knows or has reason to know of any

physical or mental condition that would interfere with the safe operation of a small UAS. Foreign-registered small unmanned aircraft are allowed to operate under part 107 if they satisfy the

requirements of part 375. External load operations are allowed if the object being carried by the unmanned aircraft is securely

attached and does not adversely affect the flight characteristics or controllability of the aircraft. Transportation of property for compensation or hire allowed provided that:

- The aircraft, including its attached systems, payload and cargo weigh less than 55 pounds total; - The flight is conducted within visual line of sight and not from a moving vehicle or aircraft; and - The flight occurs wholly within the bounds of a State and does not involve transport between (1)

Hawaii and another place in Hawaii through airspace outside Hawaii; (2) the District of Columbia and another place in the District of Columbia; or (3) a territory or possession of the United States and another place in the same territory or possession.

http://www.ecfr.gov/cgi-bin/text-idx?SID=6d9c3436a0ff5933d8197519c063133f&mc=true&node=pt14.2.107&rgn=div5

http://www.ecfr.gov/cgi-bin/text-idx?SID=6d9c3436a0ff5933d8197519c063133f&mc=true&node=pt14.2.107&rgn=div5

16

- Most of the restrictions discussed above are waivable if the applicant demonstrates that his or her

operation can safely be conducted under the terms of a certificate of waiver.

Summary of Small Unmanned Aircraft Rule (Part 107) (cont’d) Remote Pilot in Command Certification and Responsibilities: Establishes a remote pilot in command position. A person operating a small UAS must either hold a remote pilot airman certificate with a small UAS

rating or be under the direct supervision of a person who does hold a remote pilot certificate (remote pilot in command).

To qualify for a remote pilot certificate, a person must: - Demonstrate aeronautical knowledge by either:

Passing an initial aeronautical knowledge test at an FAA-approved knowledge testing center; or

Hold a part 61 pilot certificate other than student pilot, complete a flight review within the previous 24 months, and complete a small UAS online training course provided by the FAA.

- Be vetted by the Transportation Security Administration. - Be at least 16 years old.

Part 61 pilot certificate holders may obtain a temporary remote pilot certificate immediately upon submission of their application for a permanent certificate. Other applicants will obtain a temporary remote pilot certificate upon successful completion of TSA security vetting. The FAA anticipates that it will be able to issue a temporary remote pilot certificate within 10 business days after receiving a completed remote pilot certificate application.

Until international standards are developed, foreign-certificated UAS pilots will be required to obtain an FAA-issued remote pilot certificate with a small UAS rating.

A remote pilot in command must: Make available to the FAA, upon request, the small UAS for inspection or testing, and any associated

documents/records required to be kept under the rule. Report to the FAA within 10 days of any operation that results in at least serious injury, loss of

consciousness, or property damage of at least $500. Conduct a preflight inspection, to include specific aircraft and control station systems checks, to ensure

the small UAS is in a condition for safe operation. Ensure that the small unmanned aircraft complies with the existing registration requirements specified

in § 91.203(a)(2). A remote pilot in command may deviate from the requirements of this rule in response to an in-flight emergency. Aircraft Requirements: FAA airworthiness certification is not required. However, the remote pilot in command must conduct a

preflight check of the small UAS to ensure that it is in a condition for safe operation. Model Aircraft: Part 107 does not apply to model aircraft that satisfy all of the criteria specified in section 336 of Public

Law 112-95. The rule codifies the FAA’s enforcement authority in part 101 by prohibiting model aircraft operators

from endangering the safety of the NAS. The following is a fact sheet published by the FAA regarding its final rule on drones:

17

Fact Sheet – Small Unmanned Aircraft Regulations (Part 107) June 21, 2016 The new rules for non-hobbyist small unmanned aircraft (UAS) operations – Part 107 of the Federal Aviation Regulations ( http://www.faa.gov/uas/media/RIN_2120-AJ60_Clean_Signed.pdf) (PDF) – cover a broad spectrum of commercial uses for drones weighing less than 55 pounds. Here are the highlights of the new rule. Operating Requirements The small UAS operator manipulating the controls of a drone should always avoid manned aircraft and never operate in a careless or reckless manner. You must keep your drone within sight. Alternatively, if you use First Person View or similar technology, you must have a visual observer always keep your aircraft within unaided sight (for example, no binoculars). However, even if you use a visual observer, you must still keep your unmanned aircraft close enough to be able to see it if something unexpected happens. Neither you nor a visual observer can be responsible for more than one unmanned aircraft operation at a time. You can fly during daylight or in twilight (30 minutes before official sunrise to 30 minutes after official sunset, local time) with appropriate anticollision lighting. Minimum weather visibility is three miles from your control station. The maximum allowable altitude is 400 feet above the ground, and higher if your drone remains within 400 feet of a structure. The maximum speed is 100 mph (87 knots). You can’t fly a small UAS over anyone who is not directly participating in the operation, not under a covered structure, or not inside a covered stationary vehicle. No operations from a moving vehicle are allowed unless you are flying over a sparsely populated area. Operations in Class G airspace are allowed without air traffic control permission. Operations in Class B, C, D and E airspace need ATC approval. See Chapter 14 in the Pilot's Handbook http://www.faa.gov/regulations_policies/handbooks_manuals/aviation/pilot_handbook/media/phak%20-20chapter%2014.pdf You can carry an external load if it is securely attached and does not adversely affect the flight characteristics or controllability of the aircraft. You also may transport property for compensation or hire within state boundaries provided the drone – including its attached systems, payload and cargo – weighs less than 55 pounds total and you obey the other flight rules. (Some exceptions apply to Hawaii and the District of Columbia. These are spelled out in Part 107.) You can request a waiver of most operational restrictions if you can show that your proposed operation can be conducted safely under a waiver. The FAA will make an online portal available to apply for such waivers. Pilot Certification To operate the controls of a small UAS under Part 107, you need a remote pilot airman certificate with a small UAS rating, or be under the direct supervision of a person who holds such a certificate. You must be at least 16 years old to qualify for a remote pilot certificate, and you can obtain it in one of two ways: You may pass an initial aeronautical knowledge test at an FAA-approved knowledge testing center. If you already have a Part 61 pilot certificate, other than a student pilot certificate, you must have

completed a flight review in the previous 24 months and you must take a small UAS online training course provided by the FAA.

If you have a non-student pilot Part 61 certificate, you will immediately receive a temporary remote pilot certificate when you apply for a permanent certificate. Other applicants will obtain a temporary remote pilot certificate upon successful completion of a security background check. We anticipate we will be able to issue temporary certificates within 10 business days after receiving a completed application.

http://www.faa.gov/regulations_policies/handbooks_manuals/aviation/pilot_handbook/media/phak%20-20chapter%2014.pdf

http://www.faa.gov/regulations_policies/handbooks_manuals/aviation/pilot_handbook/media/phak%20-20chapter%2014.pdf

18

Fact Sheet – Small Unmanned Aircraft Regulations (Part 107) (cont’d)

June 21, 2016 UAS Certification You are responsible for ensuring a drone is safe before flying, but the FAA does not require small UAS to comply with current agency airworthiness standards or obtain aircraft certification. Instead, the remote pilot will simply have to perform a preflight visual and operational check of the small UAS to ensure that safety-pertinent systems are functioning properly. This includes checking the communications link between the control station and the UAS. The UAS must also be registered. Respecting Privacy Although the new rule does not specifically deal with privacy issues in the use of drones, and the FAA does not regulate how UAS gather data on people or property, the FAA is acting to address privacy considerations in this area. The FAA strongly encourages all UAS pilots to check local and state laws before gathering information through remote sensing technology or photography. As part of a privacy education campaign, the agency will provide all drone users with recommended privacy guidelines as part of the UAS registration process and through the FAA’s B4UFly mobile app. The FAA also will educate all commercial drone pilots on privacy during their pilot certification process; and will issue new guidance to local and state governments on drone privacy issues. The FAA’s effort builds on the privacy “best practices” of the National Telecommunications and Information Administration published last month as the result of a year-long outreach initiative with privacy advocates and industry. https://www.ntia.doc.gov/files/ntia/publications/voluntary_best_practices_for_uas_privacy_transparency_and_accountability_0.pdf Other Requirements If you are acting as pilot in command, you have to comply with several other provisions of the rule: You must make your drone available to the FAA for inspection or testing on request, and you must provide

any associated records required to be kept under the rule. You must report to the FAA within 10 days any operation that results in serious injury, loss of

consciousness, or property damage (to property other than the UAS) of at least $500. This page was originally published at: http://www.faa.gov/news/fact_sheets/news_story.cfm?newsId=20516 Special Provisions for Government Entities Government entities or organizations (e.g. law enforcement agencies, public universities, state governments, local municipalities) have 2 options for flying UAS:

1. Fly under the small UAS rule – follow all rules under 14 CFR part 107, including aircraft and pilot requirements; or

2. Obtain a blanket public Certificate of Waiver or Authorization (COA) – permits nationwide flights in Class G airspace at or below 400 feet, self-certification of the UAS pilot, and the option to obtain emergency COAs (e-COAs) under special circumstances.

https://www.ntia.doc.gov/files/ntia/publications/voluntary_best_practices_for_uas_privacy_transparency_and_accountability_0.pdf

https://www.ntia.doc.gov/files/ntia/publications/voluntary_best_practices_for_uas_privacy_transparency_and_accountability_0.pdf

http://www.faa.gov/news/fact_sheets/news_story.cfm?newsId=20516

https://www.faa.gov/uas/getting_started/fly_for_work_business/

1700 Market Street Suite 700 Philadelphia, PA 19103 1-800-335-5972 amerihealthcasualty.com

19

Dear Clients,

As you may be aware, an agreement is in place for AmTrust Financial Services, Inc. to purchase the insured business of AmeriHealth Casualty, and subject to regulatory approval, the sale is scheduled to close on February 28, 2017. This sale, however, will not impact our TPA business operations.

We know that you have come to appreciate our outstanding third party administrative services and as such, we will continue to offer these same services in the future. This letter is to simply inform you of staffing changes that will be occurring in the near future.

Lee Herzer, Vice President of Operations, will lead the sales and marketing efforts of the third party administration business. Lee has been with AmeriHealth since 1995. He has over 30 years of industry related experience. Lee is responsible for overall operations. He directs, develops, coordinates, and implements claims management activities for all of AmeriHealth. His duties also involve oversight of information systems.

Amanda Metzger, Client Administrator, will be handling your account effective March 1, 2017, taking over for Tom Watkins and Kristen Hayes. Amanda began her career at AmeriHealth in 2011 in the claims department and transitioned into client services beginning in 2014. I am confident that you will find the transition to be seamless and will be more than satisfied with Amanda’s ability to handle your account.

Denise Hall will continue to service our clients in her capacity as Program Manager. Denise joined AmeriHealth in 2009 as a Claims Supervisor overseeing a team of claims professionals including lost time adjusters, liability adjusters, and nurse case managers. Denise has extensive joint insurance fund experience and is well versed in both workers’ compensation and liability case law. She is a graduate of Los Angeles Valley College with a B.A. in Business Administration, and holds claims licenses in multiple states. AmeriHealth Casualty Services wants to sincerely thank you for your support in making 2016 a successful year, and we plan on the same in 2017.

If you have any questions please feel free to contact us:

[email protected] or 215-587-1982






21

BURLINGTON COUNTY INSURANCE COMMISSION 9 Campus Drive, Suite 216

Parsippany, NJ 07054 Telephone (201) 881-7632 Fax (201) 881-7633

Date: April 6, 2017 Memo to: Commissioners of the Burlington County Insurance Commission

From: PERMA Risk Management Services Subject: Health Benefit Reports

EXECUTIVE DIRECTOR’S REPORT

FINANCIAL PROCEDURES

• Financial Fast Track – Attached are the health program income statements for February 2017.

MEDICARE ADVANTAGE PROGRAM - COUNTY Mr. D’Orazio has obtained an updated quote from Aetna for a Medicare Advantage and Medicare Part D Rx coverage for County Medicare retirees. In response to a request by the Chair, the Equal to Or Better letter had been obtained. Once approved by the County, an effective date and further details will be provided. BURLINGTON COUNTY SPECIAL SERVICES SCHOOL DISTRICT 2017/2018 RATES AND ASSESSMENTS SSSD rates change on July 1 of each year as their rate schedule corresponds to their fiscal year. Their rate increases by line of coverage effective 7/1/2017 are as follows: Medical +13.238% Rx +0% Their composite increase is 9.719%.

22

AS OF February 28, 2017

THIS YTD PRIOR FUbDaObTH CHAbGE YEAR EbD BALAbCE

1. UNDERWRITING INCOME 4,177,222 7,631,876 60,972,000 68,603,8762. CLAIM EXPENSES

Paid Claims 3,064,487 6,222,528 50,192,582 56,415,110 IBNR 26,786 38,022 5,167,670 5,205,692 Less Specific Excess - - (1,832,170) (1,832,170) Less Aggregate Excess - - - -

TOTAL CLAIMS 3,091,273 6,260,550 53,528,082 59,788,6323. EXPENSES

aA & IaO Premiums 43,211 89,894 521,324 611,219Excess Premiums 135,388 253,730 2,129,107 2,382,837Administrative 216,990 419,920 3,699,803 4,119,723

TOTAL EXPENSES 395,589 763,545 6,350,234 7,113,7794. UNDERWRITING PROFIT (1-2-3) 690,359 607,781 1,093,684 1,701,4655. INVESTMENT INCOME 672 1,257 10,528 11,7866. DIVIDEND INCOME 0 0 0 07. STATUTORY PROFIT (4+5+6) 691,031 609,039 1,104,212 1,713,2518. DIVIDEND 0 0 0 09. STATUTORY SURPLUS (7-8) 691,031 609,039 1,104,212 1,713,251

SURPLUS (DEFICITS) BY FUbD YEARSurplus 20,232 46,558 1,111,020 1,157,578Cash 232 546,364 1,153,387 1,699,751Surplus (128,642) 537,587 (6,808) 530,779Cash (799,594) (1,928,252) (133,374) (2,061,626)Surplus 799,442 24,894 24,894Cash 1,060,563 1,253,014 1,253,014

TOTAL SURPLUS (DEFICITS) 691,031 609,039 1,104,212 1,713,251TOTAL CASH 261,201 (128,873) 1,020,013 891,139

CLAIa AbALYSIS BY FUbD YEAR

FUND YEAR 2015Paid Claims - 335 16,722,814 16,723,149IBNR (20,000) (46,427) 46,427 (0)Less Specific Excess - 0 (50,636) (50,636)Less Aggregate Excess - 0 0 0

TOTAL FY 2015 CLAIMS (20,000) (46,091) 16,718,605 16,672,513FUND YEAR 2016

Paid Claims 800,163 2,077,059 33,469,768 35,546,827IBNR (671,276) (2,614,050) 5,121,243 2,507,193Less Specific Excess 0 0 (1,781,534) (1,781,534)Less Aggregate Excess 0 0 0 0

TOTAL FY 2016 CLAIMS 128,887 (536,991) 36,809,478 36,272,486FUND YEAR 2017

Paid Claims 2,264,324 4,145,134 4,145,134IBNR 718,062 2,698,499 2,698,499Less Specific Excess 0 0 0Less Aggregate Excess 0 0 0

TOTAL FY 2017 CLAIMS 2,982,386 6,843,632 6,843,632

COMBINED TOTAL CLAIMS 3,091,273 6,260,550 53,528,082 59,788,632

BURIHNGTON FOUNTY HNSURANFE FOMMHSSHON-HHF

2015

2016

FHNANFHAI FAST TRAFK REPORT

2017


23

BURLINGTON COUNTY INSURANCE COMMISSION BILLS LIST

Resolution No.22-17 APRIL 2017 WHEREAS, the Treasurer has certified that funding is available to pay the following bills:

BE IT RESOLVED that the Burlington County Insurance Fund Commission, hereby authorizes the Commission Treasurer to issue warrants in payment of the following claims; and

FURTHER, that this authorization shall be made a permanent part of the records of the Commission. FUND YEAR 2017 CheckNumber VendorName Comment InvoiceAmount

000234 000234 PMA COMPANIES, INC. CLAIMS HANDLING FEE 04/2017 9,350.00 9,350.00 000235 000235 PERMA RISK MANAGEMENT SERVICES POSTAGE FEE 02/2017 2.03 000235 PERMA RISK MANAGEMENT SERVICES EXECUTIVE DIRECTOR FEE 04/2017 14,817.92 14,819.95 000236 000236 CRAIG, ANNIN & BAXTER, LLP ATTORNEY FEE 03/23/17 540.00 540.00 000237 000237 THE ACTUARIAL ADVANTAGE ACTUARIAL SERVICES - 04/2017 606.08 606.08

TOTAL PAYMENTS FY 2017 25,316.03

TOTAL PAYMENTS ALL FUND YEARS $ 25,316.03

_____________________________________ Chairperson Attest: ____________________________________ Dated:______________________________ I hereby certify the availability of sufficient unencumbered funds in the proper accounts to fully pay the above claims. ____________________________________ Treasurer

24

BURLINGTON COUNTY INSURANCE COMMISSION HEALTH INSURANCE FUND BILLS LIST

Resolution No. 23-17 APRIL 2017 WHEREAS, the Treasurer has certified that funding is available to pay the following bills. BE IT RESOLVED that the Burlington County Insurance Commission Health Insurance Fund’s hereby authorizes the Commission Treasurer to issue warrants in payment of the following claims; and FURTHER, that this authorization shall be made a permanent part of the records of the Commission. FUND YEAR 2016 CheckNumber VendorName Comment InvoiceAmount

000130 000130 STATE OF NJ HEALTH BENE FUND STATE SURCHARGE ON BOE'S - 7/15-6/16 109,130.00 109,130.00

TOTAL PAYMENTS FY 2016 109,130.00 FUND YEAR 2017 CheckNumber VendorName Comment InvoiceAmount

000131 000131 STATE OF NJ HEALTH BENE FUND STATE SURCHARGE ON BOE'S - 7/16-6/17 47,911.00 47,911.00 000132 000132 AETNA HEALTH MANAGEMENT LLC ACCT: AE-466688 - 04/2017 43,840.17 43,840.17 000133 000133 AMERIHEATH ADMINISTRATORS TPA FEE 04/2017 77,423.88 77,423.88 000134 000134 PERMA RISK MANAGEMENT SERVICES EXECUTIVE DIRECTOR FEE 04/2017 26,642.00 26,642.00 000135 000135 AJM INSURANCE STOP LOSS COMMISSION - 04/2017 11,592.74 000135 AJM INSURANCE PROGRAM MANAGER FEE 04/2017 33,833.11 45,425.85 000136 000136 INNOVATIVE RISK SOLUTIONS, INC STOP LOSS COMMISSION - 04/2017 11,594.40 000136 INNOVATIVE RISK SOLUTIONS, INC PROGRAM MANAGER FEE 04/2017 40,270.89 51,865.29 000137 000137 O.C.A. BENEFIT SERVICES COUNTY OF BURLINGTON COBRA FEE 1/17 608.00 000137 O.C.A. BENEFIT SERVICES BURLINGTON CNTY SPECIAL SERV COBRA 1/17 224.50 000137 O.C.A. BENEFIT SERVICES BCIC COBRA FEE 02/2017 125.00 000137 O.C.A. BENEFIT SERVICES BURLINGTON CNTY SPECIAL SERV COBRA 2/17 223.50 000137 O.C.A. BENEFIT SERVICES COUNTY OF BURLINGTON COBRA FEE 2/17 616.50 1,797.50 000138 000138 STANDARD SECURITY LIFE SPECIFIC REINSURANCE - 04/2017 124,071.42 000138 STANDARD SECURITY LIFE AGGREGATE REINSURANCE - 04/2017 7,436.80 131,508.22

TOTAL PAYMENTS FY 2017 426,413.91

25

TOTAL PAYMENTS ALL FUND YEARS $ 535,543.91 _____________________________________ Chairperson Attest: ____________________________________ Dated:______________________________ I hereby certify the availability of sufficient unencumbered funds in the proper accounts to fully pay the above claims. ____________________________________ Treasurer

26

BURLINGTO N CO UNTY INSURANCE CO MMISSIO N SUMMARY O F CASH TRANSACTIO NS - ALL FUND YEARS CO MBINED

Current Fund Year: 2017Month Ending: January

Property Liability Auto Worker's Comp NJ CEL Admin TO TALOPEN BALANCE (4,996.33) (590,098.47) (16,985.00) 4,137,897.51 4,298.88 200,614.08 3,730,730.67RECEIPTSAssessments 0.00 0.00 0.00 0.00 0.00 0.00 0.00Refunds 0.00 0.00 0.00 50.00 0.00 0.00 50.00Invest Pymnts 0.00 0.00 0.00 0.00 0.00 1,752.07 1,752.07Invest Adj 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Subtotal Invest 0.00 0.00 0.00 0.00 0.00 1,752.07 1,752.07Other * 0.00 0.00 0.00 0.00 0.00 7,500.00 7,500.00

TOTAL 0.00 0.00 0.00 50.00 0.00 9,252.07 9,302.07

EXPENSESClaims Transfers 27.88 8,500.79 956.06 110,130.41 0.00 0.00 119,615.14

Expenses 0.00 0.00 0.00 0.00 0.00 35,996.12 35,996.12Other * 0.00 0.00 0.00 0.00 0.00 0.00 0.00 TOTAL 27.88 8,500.79 956.06 110,130.41 0.00 35,996.12 155,611.26END BALANCE (5,024.21) (598,599.26) (17,941.06) 4,027,817.10 4,298.88 173,870.03 3,584,421.48

27

SUMMARY O F CASH AND INVESTMENT INSTRUMENTSBURLINGTO N CO UNTY INSURANCE CO MMISSIO N ALL FUND YEARS CO MBINEDCURRENT MO NTH JanuaryCURRENT FUND YEAR 2017

Description: Ins Comm General A/C -Investors

ASO Claims-WC & Liab

Ins Comm General A/C

ID Number:Maturity (Yrs)

Purchase Yield:

TO TAL for All Accts & instruments

O pening Cash & Investment Balance $3,730,730.10 3,688,583.19 42,146.91 - O pening Interest Accrual Balance $0.00 - - -

1 Interest Accrued and/or Interest Cost $0.00 $0.00 $0.00 $0.002 Interest Accrued - discounted Instr.s $0.00 $0.00 $0.00 $0.003 (Amortization and/or Interest Cost) $0.00 $0.00 $0.00 $0.004 Accretion $0.00 $0.00 $0.00 $0.005 Interest Paid - Cash Instr.s $1,752.07 $1,752.07 $0.00 $0.006 Interest Paid - Term Instr.s $0.00 $0.00 $0.00 $0.007 Realized Gain (Loss) $0.00 $0.00 $0.00 $0.008 Net Investment Income $1,752.07 $1,752.07 $0.00 $0.009 Deposits - Purchases $127,165.14 $7,550.00 $119,615.14 $0.00

10 (Withdrawals - Sales) -$275,226.40 -$155,611.26 -$119,615.14 $0.00

Ending Cash & Investment Balance $3,584,420.91 $3,542,274.00 $42,146.91 $0.00Ending Interest Accrual Balance $0.00 $0.00 $0.00 $0.00Plus Outstanding Checks $78,720.97 $68,499.10 $10,221.87 $0.00(Less Deposits in Transit) -$68,499.10 $0.00 -$68,499.10 $0.00Balance per Bank $3,594,642.78 $3,610,773.10 -$16,130.32 $0.00

33

BURLINGTON COUNTY INSURANCE COMMISSION SAFETY DIRECTOR’S REPORT

TO: Fund Commissioners FROM: J.A. Montgomery Risk Control, Safety Director DATE: March 27, 2017

BCIC SERVICE TEAM

February – April 2017 RISK CONTROL ACTIVITIES

MEETINGS ATTENDED / LOSS CONTROL VISITS CONDUCTED

• March 2: Attended the BCIC Meeting in Mount Holly.

• March 9: Attended the BCIC Safety Committee Meeting in Mount Holly.

• March 21: Attended the BCIC Claims Committee Meeting in Mount Holly.

UPCOMING MEETINGS / LOSS CONTROL VISITS PLANNED

• April 4: One session of Office Safety and one session of Fire Safety are scheduled for BCIC.

• April 6: Plan to attend the BCIC Meeting in Mount Holly.

• April 18: Plan to attend the Claims Committee Meeting in Mount Holly.

• April 28: One session of LOTO and one session of Confined Space Awareness are scheduled for BCIC.

David McHale, Public Sector Director

[email protected] Office: 732-736-5213 Cell: 732-673-4802

Glenn Prince, Associate Public Sector Director

[email protected] Office: 856-552-4744 Cell: 609-238-3949

Natalie Dougherty, Executive Assistant

[email protected] Office: 856-552-4738




34

2017 BCIC CEL MEDIA LIBRARY USAGE:

• No videos have been utilized.

SAFETY DIRECTOR BULLETINS

• Bring Your Child to Work Day – March 20.

37

RESOLUTION NO. 24-17

BURLINGTON COUNTY INSURANCE COMMISSION RESOLUTION FOR CLOSED SESSION

WHEREAS, Section 8 of the Open Public Meetings Act, Chapter 231, P.L. 1975 permits the exclusion of the public from a meeting in certain circumstances; and

WHEREAS, this public body is of the opinion that such circumstances presently exist; now, therefore,

BE IT RESOLVED by the Burlington County Insurance Commission, County of Burlington, State of New Jersey, as follows:

1. The public shall be excluded from discussion of the hereinafter-specified subject matter.

2. The general nature of the subject matter to be discussed:

CONTRACTS: LITIGATION: 3414, 1128, 5466, 0559, 7087, 3927, 1648, 8819, PERSONNEL:

3. It is anticipated at this time that the above subject matter will be made public when the members of the Burlington County Insurance Commission have made final determination.

4. This resolution shall take effect immediately. ADOPTED by THE BURLINGTON COUNTY INSURANCE COMMISSION at a properly noticed meeting held on April 6, 2017. ADOPTED: BY:______________________________________________ KENDALL J. COLLINS, CHAIRMAN ATTEST: ____________________________________________

38

APPENDIX I

1 March 2, 2017 Burlington County Insurance Commission OPEN Minutes

BURLINGTON COUNTY INSURANCE COMMISSION OPEN MINUTES

MEETING – March 2, 2017 County Administration Building

49 Rancocas Road Mt Holly, NJ 08060

2:00 PM Meeting was called to order by the Chairman Collins. Ms. Dodd read the Open Public Meetings notice into record. ROLL CALL OF COMMISSIONERS: Kendall J. Collins Present Eve A. Cullinan Excused Damon Burke Present Meeting was called to order by Chairman Collins. Ms. Dodd read the Open Public Meetings notice into record. FUND PROFESSIONALS PRESENT: Executive Director PERMA Risk Management Services Joseph Hrubash Claims Services PMA Management Corp. Christina Grabowski Conner Strong & Buckelew Michelle Leighton Attorney CraigAnninBaxter Law Treasurer Edward Troy Safety Director J.A. Montgomery Risk Control Glenn Prince Employee Benefits PERMA Risk Management Services Paul Laracy AJM Insurance Management Innovative Risk Solutions, Inc. Rob Henry Risk Management Consultant (BOSS) EJA/Capacity Insurance Agency


ALSO PRESENT: Cathy Dodd, PERMA Risk Management Services APPROVAL OF MINUTES: OPEN & CLOSED MINUTES OF JANUARY 12, 2017

MOTION TO APPROVE THE OPEN & CLOSED MINUTES OF JANUARY 12, 2017

Moved: Chairman Collins

Second: Commissioner Burke Vote: 2 Ayes, 0 Nayes

CORRESPONDENCE: NONE

COMMITTEE REPORTS: SAFETY COMMITTEE: Mr. Prince reported the Safety Committee was scheduled to meet on March 9, 2017 at 10:00 AM. Mr. Prince advised at that meeting they would discuss the most common PEOSH citations along with a Loss Control Report of Section 4 of the Burlington County Department of Bridges and Roads. CLAIMS COMMITTEE: Executive Director advised there were no claims for closed session. EXECUTIVE DIRECTOR REPORT: Executive Director advised a copy of his report was included in the agenda and he had three action items. REVISED CLAIMS COMMITTEE CHARTER: Executive Director referred to a copy of an amended Claims Charter which was included in the agenda. Executive Director advised the Charter was amended to add Damon Burke, Christina Grabowski, Jackie Margadonna and delete Michael Smith, Lauren Coleman and Mary Louise Doner. Executive Director noted the other change was under the Attendance Section and advised Fund Attorney was amended to Commission Attorney and the wording New Jersey Counties Excess Joint Insurance Fund (CEL) Underwriting Managers office was deleted. Executive Director reported Resolution 17-17, Authorizing the Adoption of the Revised Claims Committee Charter was reviewed by the Commission Attorney and requested a motion to approve.

MOTION TO ADOPT RESOLUTION 17-17, AUTHORIZING THE ADOPTION OF THE REVISED CLAIMS COMMITTEE CHARTER

Moved: Chairman Collins Second: Commissioner Burke Vote: 2 Ayes, 0 Nayes


CERTIFICATE OF INSURANCE ISSUANCE REPORT: Executive Director reported on the Certificate of Insurance Report for the period of 1/1/17 to 1/31/17. There were a total of 80 certificates issued for this period. In response to Chairman Collins inquiry, Mr. Burke advised he did have a chance to review the certificate list and found it to be in order.

MOTION TO APPROVE THE CERTIFICATE OF INSURANCE REPORT


EMPLOYEE DISHONESTY COVERAGE: Executive Director advised the Employee Dishonesty Coverage policy with Selective Insurance Company was renewing on April 5, 2017. Executive Director reported the policy covered the positions of Executive Director, Third Party Administrator and Treasurer. The limit per loss was $1,000,000 with a $10,000 deductible. Executive Director advised the premium of $1,683 was as per the expiring and would be paid out of the Miscellaneous and Expense Account. Executive Director asked if anyone had any questions regarding the bond and requested a motion to approve the expense. In response to Chairman Collins inquiry, Mr. Burke indicated he did not have any questions and had reviewed the coverages.

MOTION TO RENEW THE EMPLOYEE DISHONESTY COVERAGE WITH SELECTIVE INSURANCE COMPANY FOR THE PERIOD OF 4/5/17 TO 4/5/18 WITH AN ANNUAL PREMIUM OF $1,683

Moved: Chairman Collins Second: Commissioner Burke

Vote: 2 Ayes, 0 Nayes NJ EXCESS COUNTIES INSURANCE FUND (CELJIF): Executive Director reported the CELJIF held their Reorganization Meeting on February 23, 2017. Executive Director advised Ross Angilella was elected as Chairman and John Kelly was elected as Secretary. The Board of Commissioners appointed Wilmington Trust to provide Asset Manager Services and Mr. Laracy explained the concept of an Asset Manager. Executive Director reported a resolution was adopted to offer membership to the County of Monmouth. Executive Director also advised a Coverage Committee was formed at the CEL level. Commissioners White, Kelly, and Kessler volunteered to participate on the Committee. Executive Director reported the Underwriting Manager would contact the Risk Managers to see if they wanted to serve on the Committee. Executive Director noted the CELJIF was scheduled to meet again on April 27, 2017. BCIC PROPERTY & CASUALTY FINANCIAL FAST TRACK: Executive Director reported the November and December Financial Fast Tracks were included in the agenda. Executive Director advised the Commission had a slight deficit as of December 31st and he would continue to monitor the figures.


NJ CEL PROPERTY & CASUALTY FINANCIAL FAST TRACK: Executive Director reported the November and December Financial Fast Tracks for the NJ CEL were included in the agenda. As of December 31, 2016 the CEL had a surplus of $8,316,421. Executive Director noted the total cash amount was $19,865,780. Executive Director asked if anyone had any questions on the Financial Fast Tracks. CLAIMS TRACKING REPORTS: Executive Director reported the agenda included two claim monitoring reports as of January 31, 2017. Executive Director advised the “Claims Activity Report” was designed to look for any inconsistencies in the amount of claims set up or changes in reserves on a monthly basis by line of coverage. Executive Director noted he did not find any anomalies within the report. Executive Director referred to the “Claims Management Report Expected Loss Ratio Analysis” charts which was included in the agenda and reviewed the information with the Commission. Executive Director noted the reports coincide with the BCIC Financial Fast Track. Executive Director advised Fund Years 2015 and 2016 were running higher than the actuary projected while the first year, 2012 was the best year. Executive Director advised the last two items in the agenda were informational and asked if anyone had any questions. Executive Director asked Mr. Laracy to review the Health Benefit Report which was included in the agenda.

Executive Director's Report Made Part of Minutes

HEALTH BENEFITS REPORT: Mr. Laracy reported the December 2016 and January 2017 Financial Fast Tracks were included in the agenda. Mr. Laracy advised the year ended with a surplus of $ 1,068,687 and noted there was a loss in January of $81,992. However, Mr. Laracy thought we were off to a good start.

Mr. Laracy asked Mr. Henry to provide an update on the Medicare Advantage. Mr. Henry reported they secured a new quote from Aetna for more Medicare Advantage for the County. The projected savings right now was about $500,000. Mr. Henry explained it was the same situation as previously, the Union had to agree to the Medicare Advantage Plan so he was exploring the cost effectiveness. Chairman Collins asked that someone send him an e-mail so he could forward to the labor counsel so he was aware of the issue.

TREASURER REPORT: Mr. Troy advised he reviewed the Bill Lists and recommended their payment.

MOTION TO APPROVE RESOLUTION 18-17 FEBRUARY BILL LIST, RESOLUTION 19-17 FEBRUARY HEALTH BILLL LIST, RESOLUTION 20-17 MARCH BILL LIST, AND 21-17 MARCH HEALTH BILL LIST

Moved: Chairman Collins

Second: Commissioner Burke Vote: 2 Ayes, 0 Nayes

Executive Director advised the Treasurer’s monthly reports were included in the agenda.


ATTORNEY: Mr. Baxter was not present. CLAIMS SERVICE. Ms. Grabowski referred to the WC Claims by Quarter Report valued as of 2/1/17. Ms. Grabowski advised there were seven total claims for January 2017 and 5 were lost time and medical only claims and there were 2 record only claims. Ms. Grabowski noted last year there were 18 claims in January. Ms. Grabowski reviewed the Medical Cost Containment Savings Report which was included in the agenda for the period of 1/1/17 to 2/1/17 and advised PMA billed charges were in the amount of $83,388. Ms. Grabowski indicated the total net savings was $33,048 and the network penetration was 97% which was outstanding. Ms. Grabowski also reviewed the Accident Cause Group and noted the highest incurred type of accident in January was caused by strain or injury. CEL SAFETY DIRECTOR: Mr. Prince advised his report was included in the agenda and reviewed the Risk Control Activities for January through March. Mr. Prince also referred to the Best Practices for Snow Emergencies and the NJPEOSH Recording and Reporting of Occupational Injuries and Illnesses Bulletins which were included in the agenda. Mr. Prince pointed out there was an Injury Reporting Requirement matrix included in the agenda. Mr. Prince reported the agenda also included information on “Career Survival for First Line Supervisors”. Mr. Prince advised the target audience was law enforcement. Mr. Prince noted he would report back next month to see if there was any interest with the law enforcement community and determine if and when any classes should be scheduled. Mr. Prince indicated he would reach out to Corrections, the Sheriff Department and the Prosecutor’s Office to discuss. In response to Chairman Collin’s inquiry, Mr. Prince advised Mr. Hummel would come to a local facility for the class. Mr. Burke suggested offering the class to all supervisors not just new supervisors. Chairman Collins asked Mr. Prince to forward a copy of the NJPEOSH matrix to Mr. Burke so they could discuss with Ms. Cullinan on how to distribute the matrix internally. Mr. Prince asked if anyone had any questions and concluded his report. OLD BUSINESS: NONE

NEW BUSINESS: NONE PUBLIC COMMENT:

MOTION TO OPEN MEETING TO THE PUBLIC


Seeing no members of the public wishing to speak, Chairman Collins asked for a motion to close the public comment portion of the meeting.


MOTION TO CLOSE MEETING TO THE PUBLIC


. CLOSED SESSION: NONE

MOTION TO ADJOURN: Moved: Chairman Collins Second: Commissioner Burke Vote: 2 Ayes, 0 Nayes Chairman Collins advised the next Commission meeting was scheduled for April 6, 2017 at 2:00 PM. MEETING ADJOURNED: 2:18 PM Minutes prepared by: Cathy Dodd, Assisting Secretary

APPENDIX II

2017 Property Casualty ProgramNew Jersey Counties Excess JIF

This document is a brief summary of your insurance program and acts as a quick reference guide for your convenience only. Please note the actual policy terms, conditions, exclusions, etc. will apply in the event of a claim.

Statutory$260,000,000

$150,000,000

$110,000,000

$100,000,000$50,000,000$26,000,000

$25,500,000

$21,000,000

$16,000,000$15,000,000$11,000,000$10,025,000

$9,000,000$6,000,000 $5,000,000$5,000,000$4,050,000

$2,000,000$1,000,000

$100,000

$25,000

Equipment Breakdown Casualty Workers'Compensation

Employers'Liability

Public Offcials / Employment Practices Medical Malpractice Environmental Employed Lawyers Crime Cyber Non-Owned Aircraft

Liability

Zurich American Insurance Company

Policy # ZRE554295501$10,000,000 per claim / $25,000,000 aggregate

Chubb Insurance Company of New Jersey

Policy # 82489397$5,000,000 per claim / $10,000,000 aggregate

Member Entity SIR$Various Member Entity Deductible

$25,000

Property

Starr (33.34%) / Mitsui (33.33%) / Velocity (33.33%)

$150,000,000Starr Policy # 4473435102

Mitsui Policy # EXP7000253Velocity Policy # VRXCN000019502

Underwriters at Lloyd'sPolicy # PK1019017

Layer Options:$5m occ / agg$10m occ / agg

Buffer (if applicable)$Various

Commission/County SIR$100,000

Member Deductible$Various

Member Entity Deductible$Various

National UnionPolicy # 045820911

Limit options:$1M, $1.5M, $2M or $4M

Member Entity Retention$25,000

EndurancePolicy # NAN6006056

$9,000,000

Lexington Insurance Company

Various Policy #s$5m claim / agg$10m claim / agg$15m claim / agg

Member Entity SIR$Various


Policy # 6796617$1,000,000 per claim / $3,000,000 aggregate


Policy # 6796618$20,000,000

National UnionVarious Policy #s Limit options:$1M or $2M

Member Entity Retention $Various

Property: $110,000,000

Zurich American Insurance Company

Policy # ERP980616205

Earth Movement: $100,000,000

Flood: $50,000,000

Underwriters at Lloyd'sPolicy # PK1019017

Layer Options:$5m occ / $10m agg$10m occ / $20m agg

Statutory Limit

Commission/County SIR$Various

NJCEJIF$250,000

NJCEJIF$Various

Excess Flood & Earth Movement$50,000,000 annual aggregate

National CasualtyPolicy # XCO0000702

Layer Options:$5n occ / $5m agg

$10m occ / $10m agg $15m occ / $15m agg

Equipment Breakdown$100,000,000

National CasualtyPolicy # XCO0000702

Layer Options:$5n occ / $5m agg

$10m occ / $10m agg $15m occ / $15m agg

Commission/County SIR$Various

Member Deductible$25,000

Safety NationalPolicy # SP4056379

2017 Property Casualty ProgramBurlington County Insurance Commission


Statutory

$260,000,000

Mitsui (33.33%) / Starr (33.34%) / Velocity (33.33%)

$150,000,000 Starr Policy # 4473435102

Mitsui Policy # EXP7000253Velocity Policy # VRXCN000019502

$110,000,000$100,000,000

$26,000,000

$20,500,000

$16,000,000

$10,500,000

$6,000,000

$5,500,000

$1,000,000

$800,000 $500,000 $300,000 $250,000

$100,000 Burlington County Insurance Commission$100,000

Various Entity DeductibleVarious

Entity Deductible$25,000

Property EquipmentBreakdown CGL Auto Liability Law Enforcement

LiabilityPublic Officials /

Employment Employers' Liability WC

NOTES:

MEMBER ENTITIES & DEDUCTIBLES:

Comprehensive Collission$5,000 $250,000 $500 $1,000 $25,000$5,000 $250,000 $500 $1,000 $25,000 $50,000

Burlington County Bridge Commission $25,000 $250,000 $1,000 $1,000 $25,000

Underwriters at Lloyd's (Brit)Policy # PK1019017

$10,000,000

County of BurlingtonBurlington County Board of Social Services

3. The bridges part of the Burlington County Bridge Commission are excluded from the Property program.

Entity SIR$500,000

POL / EPL Buy-Down

4. Board of Social Services purchases POL/EPL Buy-Down policy with AIG: $500k each/$1m agg., subject to $50k deductible.

Burlington County Insurance Commission$300,000 Burlington County Insurance Commission

$250,000

1. Underwriters at Lloyd's (Brit) and National Casualty policy limits apply per Commission/Member County.

2. WC/EL SIR for Police/Fire is $1,150,000.

Entity Property Vacant Property Auto Physical Damage Equipment Breakdown

Safety National Casualty Company

Policy # SP4056379Statutory

Zurich American Insurance CompanyPolicy # ERP980616205

$110,000,000 Zurich American Insurance CompanyPolicy # ERP980616205

$100,000,000

National Casualty Company Policy # XCO0000702

$10,000,000

Safety National Casualty CompanyPolicy # SP4056379

$5,000,000Wesco Insurance Company

Policy # WPP110369004$450,000

New Jersey Counties Excess Joint Insurance Fund$250,000 New Jersey Counties Excess Joint Insurance Fund

$250,000

Underwriters at Lloyd's (Brit)Policy # PK1019017

$10,000,000 per occurrence /$20,000,000 aggregate

National Casualty CompanyPolicy # XCO0000702

$10,000,000

2017 Medical Malpractice ProgramNew Jersey Counties Excess JIF


$21,000,000

Lexington Insurance CompanyPolicy # 6796618

$20,000,000

$1,000,000

Lexington Insurance CompanyPolicy # 6796617

$1,000,000 per claim /$3,000,000 aggregate

VariousMember Entity Self Insured Retention

VariousMedical Malpractice & General Liability

NOTES:1. Mercer County elected not to purchase the excess limits.

MEMBER ENTITIES & SELF-INSURED RETENTIONS:Self-Insured Retention

$5,000$5,000

$50,000 PL / $25,000 GL

$25,000

$5,000$10,000$5,000$20,000

$5,000

$50,000

$100,000

$5,000$25,000

$1,000,000$1,000,000$1,000,000

$2,500$25,000

$5,000

Entity

Clinic

Employed Nurses of Correctional Facilities

Meadowview Nursing HomeClinic/Public Health Nurses

Gloucester County

Camden County

Burlington County

Cumberland County

Medical Reserves Corps

Department of Health, Buttonwood Hospital (Divested Operation)

Department of Health (Outpatient Clinic), Department of Human Services - Division of Mental Health & Addiction Services, Sexual Assault Nurse Examiners (SANE)

Department of Health (Clinic)

University of Medicine and Dentistry (GL Only)

Improvement Authority (dba Shady Lane Nursing Home)Prosecutor's Office (Sexual Assault Nurse Examiners)

Salem County

Department of Corrections (Prison Infirmary)

Charles F. Siebert, Jr. (GC)Gerald A. Feigin (CC, SC, GC)Jonathan Briskin (GC)Josette Palmer (GC)Ian Hood (BC)Richard Sharpe (BC)John W. Peterson (BC)Nicoletta Turner-Foster (BC)Lois Lawson-Briddell (RC)Daksha Shah (MC)Raafat Ahmad (MC)Diane McDevitt (AC)Barbara Kennedy (AC)

Camden County College Allied Healthcare Programs and Dental Clinic OperationsHealth Services Center Behavioral Health Operations (Divested Operation) and LTC Operations (Divested Operation)

Department of Corrections, Division of Education & Disability, Division of Senior Services, Department of Health ServicesRowan College at Gloucester County Allied Health Programs

Emergency Response Center

Atlantic County

Mercer County

Scheduled Physicians

Department of Corrections

2017 Environmental ProgramNew Jersey Counties Excess JIF


$10,000,000 $1,500,000

$1,000,000 Zurich American Insurance Company

Policy # ZRE554295501$1,000,000

$25,000

PollutionAll Other

PollutionCumberland UA

PollutionAtlantic UA

MEMBER ENTITIES:Camden CountyCamden County CollegeCamden County College FoundationCamden County Mosquito CommissionCamden County Municipal Utilities AuthorityCamden County Pollution Control Financing AuthorityCamden County Health Services CenterCamden County Board of Social ServicesCamden County Improvement AuthorityGloucester CountyRowan College at Gloucester CountyGloucester County Utilities AuthorityGloucester County Improvement AuthorityGloucester County Library CommissionBurlington CountyBurlington County Board of Social ServicesBurlington County Bridge CommissionCounty of UnionCumberland County Utilities AuthorityOcean County Mosquito Extermination CommissionAtlantic County Utilities AuthoritySalem CountyCumberland CountyMercer County

Zurich American Insurance CompanyPolicy # ZRE554295501

$1,500,000

Zurich American Insurance CompanyPolicy # ZRE554295501$10,000,000 per claim / $25,000,000 aggregate

Member Entity Deductible$25,000

2017 Crime ProgramNew Jersey Counties Excess JIF


$4,000,000$2,000,000 $1,500,000

$1,000,000 National Union

Policy # 045820911$1,000,000


$1,000,000


$1,000,000

Various Member Entity Deductible $50,000



NOTES:

MEMBER ENTITIES:

Camden County (including Camden County Police) The County of Ocean County of Atlantic (including

Meadowview Nursing Home) Cumberland County Atlantic County Improvement Authority County of Burlington

The Ocean County Board of Chosen Freeholders Hudson County Atlantic County Utilities

AuthorityBurlington County Bridge

CommissionThe Ocean County Library

Commission, Inc. Mercer County Camden County Health Services Center

Camden County Board of Social Services

The Ocean County Mosquito Extermination Commission Union County Gloucester County

Camden County College (including Camden County

College Foundation)The Ocean County Private

Industry Council, Inc.Union County Board of Social

ServicesMercer County Improvement

AuthorityCamden County Municipal

Utilities AuthorityRunnells Specialized Hospital

of Union CountyPollution Control Financing

Authority of Camden CountyCumberland County Board of

Social ServicesGloucester County

Improvement Authority Gloucester County Library

CommissionGloucester County Utilities

AuthorityRowan College at Gloucester

CountySalem County


$1,500,000

Member Entity Deductible $50,000

Crime

1. Each Entity listed below has its own limit of insurance.


$2,000,000


$4,000,000

2017 Non-Owned Aircraft ProgramNew Jersey Counties Excess JIF


$9,000,000 Endurance American Insurance Company

Policy # NAN6006056$9,000,000

Non-Owned Aircraft Liability

MEMBER ENTITIES:

Mercer County Improvement AuthorityOcean CountySalem CountyUnion County

Gloucester County Improvement AuthorityGloucester County Library CommissionGloucester County Utilities AuthorityRowan College at Gloucester CountyHudson CountyMercer County

Camden County Municipal Utilities AuthorityCamden County Pollution Control Financing AuthorityCumberland CountyCumberland County Improvement AuthorityCumberland County Utilities AuthorityGloucester County

Burlington County Bridge CommissionCamden CountyCamden County Board of Social ServicesCamden County CollegeCamden County Department of Police ServicesCamden County Improvement Authority

Atlantic CountyAtlantic County Improvement AuthorityAtlantic County Utilties AuthorityBurlington CountyBurlington County Board of Social Services

burlington county insurance commission agenda …apr 06, 2017 · burlington county insurance...

Documents