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Risk Management

Risk Management

What is Risk Management?

Contractual risk transfer procedures and a Certificate of Insurance Program ensure that the County has reliable recourse against vendors and contractors who create exposure to the County while operating on our premises or while providing service to County agencies and departments under contract.

Through its Subrogation Procedures, Risk Management oversees the aggressive pursuit of insurance recoveries for damages caused to County property and vehicles by third parties.

Employee safety and compliance with federal and state mandated safety regulations are managed and monitored though development of standards and training required under the Occupational Safety and Health Act.

What are the objectives of the Risk Management team?

  • To protect and preserve Union County assets and employees against losses which could deplete County resources or impair the County's ability to meet its legal obligations or to provide services to its citizens.
  • To institute all practical measures to eliminate or control injury to persons, loss to property or other loss producing conditions that may adversely affect revenue flows.
  • To serve as a professional safety and Risk Management resource to all County departments and agencies.
  • To achieve these objectives in the most effective and economical manner.

What are the elements of the program?

Claim Management

The claim management function focuses on managing the internal administration of employee work-related injuries and coordinating services between the Workers' Compensation Claim Service Company and County agencies and departments for benefits payable within the self-insured program.

The claim management function also coordinates insurance recovery from commercial insurers for claims related to property damage, vehicle accidents and subrogation recovery, premises slips and falls and public officials and law enforcement liability, including coordinating defense strategies.

Rehabilitation

The goal of the rehabilitation program is to ensure the injured and disabled employees receive timely medical and rehabilitation assistance to reach maximum medical improvement following a work-related injury, and to return to productive employment within identified physical limitations. Research has shown that returning to work, even in a limited capacity, helps promote full recovery. For this reason, Union County agencies and departments are encouraged to offer injured employees temporary assignments based upon their current work capabilities as determined by the employee's treating physician.

Risk Analysis and Mitigation

This program element involves evaluating operational risks and identifying methods of treatment and reduction of risk exposures. Other responsibilities under this area include the monitoring and allocation of costs associated with losses to various general fund and non general fund agencies as a means of accountability, evaluating contractual transfer of risk, evaluating exposures of County physical assets, developing policies and procedures and providing County-wide training related to this program element.

Insurance Management

The insurance program ensures that the County's financial integrity is protected through a combination of commercial insurance and self-insurance. Risk Management is responsible for procuring and managing the County's purchase of commercial insurance policies insuring loss of County buildings, contents, computer equipment, library books and other valuable assets. Insurance is also purchased to protect the County against various liability exposures and excess insurance for self-insured exposures that may present serious loss potential.

Safety Management

To promote a safe work environment and to ensure public safety for visitors to County facilities, Risk Management provides employee training, OSHA technical assistance, self-inspection services and conducts accident investigations and coordinates other safety activities and events throughout the year.

Training available through Risk Management includes:

  • Defensive driving courses
  • Blood-borne pathogens
  • Hazardous communication
  • Personal protective equipment
  • Back (postural) safety
  • Ergonomics
  • Violence in the workplace

Technical assistance available through Risk Management include:

  • Noise level measurement
  • Indoor air quality measurement
  • Office ergonomic measurement
  • Regulatory compliance (NCOSHA)

Inspection and Audit:

  • Work-site safety inspections
  • Building safety

Where can I find more information about Union County safety guildelines?

Please review the Union County Employee Safety Guidelines document.

Where can I learn more about safety guidelines and resources at a state and national level?

Contact Information

Keith Richards
Risk Manager

500 N. Main St., Ste 130
Monroe, NC 28112

Email: keith.richards@unioncountync.gov
Phone: 704-283-3663
Fax: 704-283-3832

About Risk Management

Risk Management is responsible for oversight and protection of all County assets through purchase of insurance, contractual risk transfer, program and operational analysis, mitigation of insured losses, safety and loss prevention and related programs and policy development.

Union County formalized the Risk Management process in 1999 when the position of Risk Manager was created and funded to manage the exponentially growing exposures and costs inherent in the County.