1. 30 Years of CURIE By the Numbers
By Stewart Roberts

2. 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

3. 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

4. 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

5. 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

6. 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

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

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

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