RISK MANAGEMENT

Insurance Programs

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The County uses a variety of methods to handle its risk exposures and control its Cost of Risk including:

  • Commercial Insurance Programs
  • Contractual Risk Management
  • Self-Insurance Programs
  • Evidence of Insurance

Commercial Insurance Programs

Risk Management Operations (RMO) serves as the County’s internal insurance broker and administrator for its commercial insurance policies.

These programs benefit:

Insurance_Programs

Contractual Risk Management

The County enters into contracts with contractors, vendors and consultants to provide a wide variety of services for the benefit of departments and the public. Use of these service providers may also expose the County to liability claims and lawsuits, and therefore policy established by the Board of Supervisors requires contractors to indemnify the County for their activities and maintain insurance coverage sufficient to protect themselves and the County against such risk.

CEO Risk Management Operations, with the assistance of County Counsel, has developed indemnification and insurance terms and conditions designed for use in all County service agreements.

Risk Management Operations also reviews County contracts and agreements and provides training on contractual risk management to department contract managers, analysts and monitors.

Self-Insurance Programs

Self-insurance is the risk-financing method used by the County to pay most of its vehicle liability and physical damage, general liability, and professional liability costs. Property losses and other uninsured costs not covered under commercial insurance programs are also paid in this manner.

Evidence of Insurance

RMO issues certificates of County commercial and self-insurance coverage to third parties. RMO also develops statements of indemnification and hold harmless provisions in concert with contract/agreement terms and evidence of insurance, as needed.

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