Government of British Columbia Risk Management Branch Canadian Risk Pools Phil Grewar Director

Jurisdictional Differences  Canadian Workers’ Compensation publicly controlled (Provincially) – funded by employers  Canadian Health Care is publicly funded & controlled

Litigation Climate Differences  Canada has few punitive damage awards  Canada generally does not have immunity or liability caps for government  Canada has a cap on pain and suffering.  Canada has had very few class action lawsuits

Regulatory  Federally licensed insurers regulated by Office of Superintendent of Insurance  Provincially licensed insurers regulated by Provincial Financial Institutions Regulator as constituted in each province.

Canada

British Columbia

CMPA Canadian Medical Protective Association  Established – 1901  Clients – Physicians  Not-for-profit reciprocal  63,000 members

HIROC Health Insurance Reciprocal of Canada  Established – 1987  Clients – Health Care facilities across Canada  Not-for-profit reciprocal  200 subscribers (members) – over 500 facilities

CURIE Canadian Universities Reciprocal Insurance Exchange  Established – 1988  Clients – Canadian Universities  Not-for-profit Reciprocal  44 Subscribers

MIA Municipal Insurance Association  Established – 1987  Clients –BC municipalities and regional districts  Not-for-profit Reciprocal  144 member municipalities

OSBIE Ontario School Board Insurance Exchange  Established – 1987  Clients – Ontario K-12 schools  Not-for-profit Reciprocal  99 members (school boards)  Approx 1.5 million student FTE’s

OMEX Ontario Municipal Insurance Exchange  Established – 1987  Clients – Ontario municipalities  Not-for-profit Reciprocal  46 member municipalities

RMB Programs  University, College and Institute Protection Program (UCIPP)  Schools Protection Program (SPP)  Health Care Protection Program (HCPP)  Government Corporation Risk Pools  Midwives Protection Program (MPP)  Appointees Indemnity Program (AIP)  Directors Indemnity Program (DIP)  Historic Education Litigation Program (HELP)  Master Insurance Program (MIP)

Health Care Protection Program  BC Hospitals and Health Care facilities  7 Health Authorities  300 facilities  Property, Liability and Crime coverages

Schools Protection Program  BC K-12 public schools  60 school districts  1800 schools  585,000 student FTEs  Property, Liability and Crime coverages

University, College & Institute Protection Program  BC colleges and universities  24 colleges  2 universities  60,000 student FTEs  Property, Liability and Crime coverages

Directors Indemnity Program  Provides indemnity protection to all persons appointed by government to boards of government corporations  40 government corporations

Master Insurance Program  8,000 contractors  12,000 contracts  Service providers delivering government social programs to the public

Questions?