30 Years of CURIE By the Numbers By Stewart Roberts

Property Frequency – Top 5 CURIE 1 CURIE 2 CURIE 3 CURIE 4 CURIE 5 CURIE 6 Total Water 39 46 57 134 168 167 611 Fire 15 24 27 37 33 28 164 Other 16 18 9 6 7 11 67 Theft 20 12 14 5 2 55 Wind 1 3 25 101 112 121 200 231 219 984 Data as of July 31, 2017

Property Severity – Top 5 CURIE 1 CURIE 2 CURIE 3 CURIE 4 CURIE 5 CURIE 6 Total Fire 651,655 2,860,378 1,119,807 11,437,036 56,632,714 11,018,770 83,720,361 Water 2,045,692 511,924 1,997,535 14,671,175 23,087,260 28,926,816 71,240,402 Wind 188,486 2,025,419 5,014,420 1,430,374 737,500 9,396,199 Other 246,056 535,029 38,080 131,698 129,988 578,862 1,659,713 Theft 123,643 152,695 191,722 82,322 30,703 2,788 583,873 3,114,235 4,402,015 5,567,837 31,420,957 102,945,499 41,519,355 167,556,827 Data as of July 31, 2017

Liability Frequency CURIE 1 CURIE 2 CURIE 3 CURIE 4 CURIE 5 CURIE 6 Total Slip and Fall 208 477 329 252 177 156 1599 Sports 35 106 83 43 57 33 357 Vehicle 48 82 86 72 23 21 332 Maintenance 50 87 67 49 36 38 327 Medical Malpractice 28 45 68 51 34 269 Defamation 39 55 47 247 Educational Malpractice 15 25 27 54 204 542 1025 876 678 529 441 4091 Data as of July 31, 2017

Liability Severity – Top 5 CURIE 1 CURIE 2 CURIE 3 CURIE 4 CURIE 5 CURIE 6 Total Slip and Fall 1,694,139 5,063,716 4,675,306 4,713,943 5,236,676 4,745,996 26,129,777 Defamation 723,851 3,330,729 3,836,604 4,789,252 2,836,212 1,280,530 16,797,178 Sports 843,905 3,826,418 2,508,764 3,363,887 2,487,838 1,049,775 14,080,588 Educational Malpractice 192,353 477,948 3,241,948 3,188,723 3,093,851 3,681,676 13,876,499 Research - Medical 716,580 8,389,238 273,538 59,600 36,500 9,475,456 6,291,880 18,919,778 28,171,718 25,723,517 21,413,070 17,666,018 118,185,983 Data as of July 31, 2017

Liability Indemnity Versus Legal Total Slip and Fall 17,653,038 4,538,035 26,129,777 Defamation 4,241,649 11,732,864 13,876,499 Sports 8,304,120 3,113,829 14,080,588 Educational Malpractice 2,670,984 9,612,922 Research - Medical 5,466,238 3,962,665 9,475,455 Data as of July 31, 2017

Interesting Fact Educational Malpractice and Defamation Claims are 11% of our liability claims reported. And account for 44% of our legal fees….

Liability Issues Maintenance records - Written policies and procedures - Written Records – Completed work, inspections Snow and Ice Building maintenance Gyms and Gym equipment

Indemnification Issues - Student Unions – Separately incorporated - Contractors – All types - User Groups – Outside groups Rental Agreements What’s the Risk??