American Association of State Compensation insurance Fund
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CopperPoint Mutual Insurance Company
Phone: (602) 631-2000
Address: 3030 North Third Street
Phoenix, AZ   85012
Website: www.copperpoint.com

State Compensation Insurance Fund
Phone: 888-STATEFUNDCA
Address: 333 Bush Street
Suite 800
San Francisco, CA   94104
Website: www.statefundca.com

Pinnacol Assurance
Phone: (303) 361-4000
Address: 7501 East Lowry Boulevard
Suite 800
Denver, CO   80230-7006
Website: www.pinnacol.com

Hawaii Employers' Mutual Insurance Co. Inc.
Phone: (808) 524-3642
Address: 1100 Alakea Street
Suite 1400
Honolulu, HI   96813
Website: www.hemic.com

Idaho State Insurance Fund
Phone: (208) 332-2100
Address: 1215 West State Street
P.O. Box 83720
Boise, ID   83720-0044
Website: www.idahosif.org

Kentucky Employers Mutual Insurance
Phone: (859) 425-7800
Address: 250 West Main Street Suite 900
P.O. Box 83720
Lexington, KY   40507-1724
Website: www.kemi.com

Louisiana Workers' Compensation Corporation
Phone: (225) 924-7788
Address: 2237 South Acadian Thruway
P.O. Box 83720
Baton Rouge, LA   70808
Website: www.lwcc.com

Maine Employers Mutual Insurance Company (MEMIC)
Phone: (207) 791-3300
Address: 261 Commercial Street
P.O. Box 11409
Portland, ME   04104
Website: www.memic.com

Chesapeake Employers’ Insurance Company
Phone: (410) 494-2000
Address: 8722 Loch Raven Boulevard
P.O. Box 11409
Towson, MD   21286-2235
Website: www.ceiwc.com

SFM Mutual Insurance Company
Phone: (952) 838-4200
Address: 3500 American Boulevard West Suite 700
P.O. Box 11409
Bloomington, MN   55431-4434
Website: www.sfmic.com

Missouri Employers Mutual Insurance
Phone: (800) 442-0590
Address: 101 N Keene St
P.O. Box 11409
Columbia, MO   65201
Website: www.mem-ins.com

Montana State Fund
Phone: (406) 495-5015
Address: 855 Front Street
P.O. Box 4759
Helena, MT   59604-4759
Website: www.montanastatefund.com

New Mexico Mutual Group
Phone: (505) 345-7260
Address: 3900 Singer Boulevard NE
P.O. Box 4759
Albuquerque, NM   87109
Website: www.newmexicomutual.com

New York State Insurance Fund
Phone: (212) 312-7001
Address: 199 Church Street
P.O. Box 4759
New York, NY   10007
Website: www.nysif.com

Workforce Safety and Insurance
Phone: (701) 328-3800
Address: 1600 East Century Avenue Suite 1
P.O. Box 4759
Bismarck, ND   58506-5585
Website: www.WorkforceSafety.com

Ohio Bureau of Workers Compensation
Phone: (800) 644-6292
Address: 30 West Spring Street
P.O. Box 4759
Columbus, OH   43215-2256
Website: www.bwc.ohio.gov

CompSource Mutual Insurance Company
Phone: (405) 232-7663
Address: 1901 North Walnut Ave.
P.O. Box 53505
Oklahoma City, OK   73152-3505
Website: www.compsourcemutual.com

State Accident Insurance Fund (SAIF)
Phone: (503) 373-8000
Address: 400 High Street SE
P.O. Box 53505
Salem, OR   97312-1000
Website: www.saif.com

Pennsylvania State Workers Insurance Fund
Phone: (570) 963-4635
Address: 100 Lackawanna Avenue
P.O. Box 5100
Scranton, PA   18505-5100
Website: www.dli.state.pa.us/swif

Beacon Mutual Insurance Company
Phone: (401) 825-2667
Address: One Beacon Centre
P.O. Box 5100
Warwick, RI   02886-1378
Website: www.beaconmutual.com

South Carolina State Accident Fund
Phone: (803) 896-5800
Address: P.O. Box 102100
P.O. Box 5100
Columbia, SC   29221-5000
Website: www.saf.sc.gov

Texas Mutual Insurance Company
Phone: (800) 859-5995
Address: 6210 East Highway 290
P.O. Box 5100
Austin, TX   78723-1098
Website: www.texasmutual.com

Workers Compensation Fund
Phone: (800) 446-2667
Address: 100 West Towne Ridge Parkway
P.O. Box 2227
Sandy, UT   84070
Website: www.wcfgroup.com

Washington Department of Labor and Industries
Phone: (360) 902-5800
Address: P.O. Box 44001
P.O. Box 2227
Olympia, WA   98504-4001
Website: www.lni.wa.gov

Wyoming Division of Workers Safety & Compensation
Phone: (307) 777-7159
Address: Cheyenne Business Center
1510 East Pershing Boulevard
Cheyenne, WY   82002
Website: wydoe.state.wy.us

Workers Compensation Board - Alberta
Phone: (780) 498-3999
Address: 9925-107 Street
P.O. Box 2415
Edmonton, AB   T5J 2S5
Website: www.wcb.ab.ca

Workers Compensation Board of British Columbia (WORKSAFEBC)
Phone: (604) 273-2266
Address: P.O. Box 5350 Station Terminal
P.O. Box 2415
Vancouver, BC   V6B 5L5
Website: www.worksafebc.com

Manitoba Workers Compensation Board
Phone: (204) 954-4321
Address: 333 Broadway
P.O. Box 2415
Winnipeg, MB   R3C 4W3
Website: www.wcb.mb.ca

WorkSafeNB
Phone: (506) 632-2200
Address: 1 Portland Street
P.O. Box 160
Saint John, NB   E2L 3X9
Website: www.worksafenb.ca

Workers Compensation Board of Nova Scotia
Phone: (902) 491-8999
Address: 5668 South Street
P.O. Box 1150
Halifax, NS   B3J 2Y2
Website: www.wcb.ns.ca

Prince Edward Island Workers Compensation Board
Phone: (902) 368-5680
Address: 14 Weymouth Street
P.O. Box 1150
Charlottetown, PE   C1A 7L7
Website: www.wcb.pe.ca

Saskatchewan Workers Compensation Board
Phone: (306) 787-4370
Address: 200 - 1881 Scarth Street
P.O. Box 1150
Regina, SK   S4P 4L1
Website: www.wcbsask.com

Puerto Rico State Insurance Fund Corporation
Phone: (787) 793-5959
Address: G.P.O. Box 365028
P.O. Box 1150
San Juan, PR   00936-5028
Website: www.cfse.gov.pr
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Hot Topics in Enterprise Risk Management

By Greta A. Gonzales, CPA, Texas Mutual Insurance Company; Danielle N. Kopf, CIA, CFSA, CRMA, The Beacon Mutual Insurance Company; and Randy R. Hogan, ARM-E, RIMS-CRMP, State Compensation Insurance Fund

Enterprise Risk Management (ERM) continues to evolve, focusing more on value creation. As our business and ecosystems become more complex, it is even more important that we identify our current and future risks to be able to manage and mitigate them as we develop strategic plans. We also need to monitor and respond to a wide range of risk events.

There are many facets of ERM. This year, our committee covered three important areas: incident response, vendor risk management, and emerging risks. Following is a summary of what we learned at each session.

Preparing for and Managing Crisis
Pinnacol Assurance’s Kelly Lutinksi, chief risk officer, and Todd Faubion, director of security, presented “Preparing for and Managing Crisis,” outlining Pinnacol’s journey and investment in maintaining a sound Incident Response Plan. Pinnacol’s training includes quarterly tabletop exercises, post-exercise reviews, and strategies for future improvements.

The session began in a typical manner with speaker introductions; however, Todd was running behind a few minutes, as he had to take an urgent phone call from the home office. When Todd entered the session room and quickly outlined the “happenings” at the home office, the feelings of dread, fear, and sadness were overwhelming. Todd quickly, and very convincingly, notified the attendees of the limited information he learned from his call, including uncertainty surrounding employee and security guard injuries and fatalities. His next question left the attendees very quiet, almost stunned, “what are you going to do next, incident response team?”

While this was not a real situation, it packed a punch. It easily could have been real, and businesses need to be prepared to respond. Is your management team ready to respond to active shooter scenarios, pandemics, or cyber breaches? If not, act now; start planning.

Tabletop exercises for handling different crises should be as commonplace as having routine fire drills. Schools and businesses have been conducting fire drills for decades to train people how to respond when/if there is a real fire. We live in a world where there are real possibilities of pandemics, cyber breaches, and sadly, active shooters/workplace violence. It is imperative for businesses to learn to prepare for these events, to continuously refine plans, and to train management and employees in how to respond.The ERM Committee would like to thank Pinnacol Assurance for sharing its journey and key takeaways from this process, and especially to Todd and Kelly for their thought-provoking and very real mini tabletop exercise. 

Vendor Management 101
Third-party suppliers play an important role in the operation of virtually any organization. Vendors can be a valued strategic partner, boosting opportunities for success, or they can be the source of many financial, reputation, and operational risks. The most important vendors are both—sources of opportunity and threat. Brandon Cooper, chief risk officer at Venminder, provided attendees with valuable insights, strategies, and resources to help organizations properly manage their vendor relationships to maximize those opportunities and minimize the potential threats.

Quality vendor risk management means applying the proper level of control commensurate with the risk each vendor poses. It’s a simple concept, but many companies struggle to classify their vendors and default to a one-size-fits-all approach, leading to undercontrolling critical vendors and overmanaging lesser risks. Brandon presented a simple three-question test to determine whether a vendor should be considered critical:

  1. Would the sudden disappearance (insolvency, incapacity, termination) of the vendor cause a material disruption to your ability to do business?
  2. Would this disappearance have an impact on your customers (policyholders, injured workers, providers)?
  3. Would it take more than 24 hours, or one business day, to recover?

If the answer to any ONE of these is yes, the vendor is a critical supplier. Failure to adequately manage critical vendors can have serious consequences for an organization. Therefore, the organization should allocate adequate resources to manage and monitor the vendor relationship.

An effective vendor management program must have a board-approved policy and corresponding policies and procedures, C-Suite understanding of the importance of assessing and addressing the risk, and an adequate budget and resources to undertake and operate the program. However, even the most robust framework fails when the organization is unable to distinguish their critical vendors consistently.

Emerging Risk Landscape: A Look at the Future of Risk
Many thanks to our speaker, Chris Mandel from Sedgwick, on an informative session covering emerging risks. He spoke about digital risk and how digitization brings new risks that are volatile, uncertain, complex, and ambiguous (VUCA). Because of these traits, emerging risks are hard to quantify, sometimes have an uncertain relevance, and are difficult to assign ownership.

According to KPMG, the top emerging risks in insurance revolve around environment and technology. Climate change, cyber, nanotechnology, and autonomous vehicles are some examples. Other “top” emerging risks are pandemics, significant changes in broker power/distribution/compensation, and global political instability.

Emerging risk digitization can be leveraged for value creation, too. Some examples include smartphone usage-based insurance, drone-based inspection, workplace wearables, cyber risk analytics, and conversational AI, among others.

Emerging risks may not be controllable, but they must be addressed. Your ERM strategy should include an emerging risk identification, measurement, and reporting process and plan.

Feel free to reach out to any of the ERM Committee members or send a question via Higher Logic if you want any more information on any of the sessions.

 

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