In This Issue

4th Annual Risk & Insurance Symposium

Excellence in Risk Management Award Nominations Now Being Accepted

Safety Partners Grant and PRIMA Institute Scholarship

Electronic Renewal Applications

PE Partners Employees Receive Honors

Severe Weather and Disaster Recovery

Most Common Phishing Lures

Tennessee Trivia

Q. Where are Elvis Presley’s Graceland residence and tomb located?

Click here for the answer

Message from the President

Dawn Crawford

Dear members,

Another active shooter event occurred on May 31st. This latest senseless act of violence took place at the Virginia Beach Municipal Complex. Twelve individuals, including the assailant (a 15-year employee of the city), perished that day.

When we hear of these incidents, we all think about our own situations and the importance of preparing for such an event. The FBI offers an instructional video, “RUN. HIDE. FIGHT. Surviving an Active Shooter Event,” that may be used to educate others on how to best protect themselves in an active shooter situation. We encourage you to watch it and show it to your employees.

We cannot over-emphasize the importance of having a written policy outlining how your organization will respond in the event of workplace violence or an active shooter situation. It is equally important to conduct scenario-based training with your employees.

To assist with active shooter training, we offer courses on our online training platform, Local Gov Risk Academy, as well as through our DVD library. We will also be offering an Active Shooter Preparedness session at our Risk & Insurance Symposium in August, conducted by retired FBI Special Agent John G. Iannarelli. Special Agent Iannarelli has been involved in multiple high-profile active shooter events across the country, and offers valuable insight into how entities should prepare for and respond to this ever-present threat.

In the meantime, stay safe — and we hope to see you in August.

All the best,

Dawn Crawford signature
Dawn R. Crawford


4th Annual Risk & Insurance Symposium

We are less than two months away from the 4th Annual Risk & Insurance Symposium, scheduled for Aug. 21 - 23 at the Franklin Marriott Cool Springs. This free, three-day event is open to all members and offers an exciting program.

Session topics include:

  • Drug and Alcohol Testing
  • The Open Records Act
  • Protecting Your Entity from ADA Lawsuits
  • Internal Investigations
  • Cyber Security
  • Active Shooter Preparedness
  • OSHA Recordkeeping
  • The Changing Landscape of Officer-Involved Shooting
  • Enterprise Risk Management in Action

When: Aug. 21 - 23, 2019. Sessions will begin at noon on the 21st and conclude before noon on the 23rd.

Where: Franklin Marriott Cool Springs, 700 Cool Springs Blvd., Franklin, TN 37067

Who should attend:

  • Anyone with safety responsibilities, interests or concerns
  • Supervisors with safety responsibilities
  • Safety, risk and HR managers
  • Mayors and elected officials
  • City managers / administrators
  • Finance directors
  • Human resource employees
  • Fleet managers
  • Training officers
  • City attorneys

To view the agenda and register, visit

Continuing education credits for CMFO, Utility Commissioners and POST are marked on the agenda where applicable. Participants who attend the entire event are eligible to receive up to 15 hours of POST credit, up to 14 utility commissioner CEUs, and up to 16 CMFO credit hours, with 13 of the CMFO credit hours in the financial category.

If you have questions about the symposium or issues with registration, please contact Halie Gallik at 615.371.6005 or


Symposium participants may earn up to:

  • 15 hours of POST credit
  • 14 utility commissioner CEUs
  • 16 CMFO credit hours
    (13 CMFO credit hours
    in the financial category)


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Excellence in Risk Management Award Nominations Now Being Accepted

As we gear up for the 4th Annual Risk & Insurance Symposium, we are also accepting nominations for the Excellence in Risk Management Awards. One of the highlights of our year is having the opportunity to honor members for their excellence, innovation and commitment to the risk and insurance field. Governmental entities across Tennessee work hard every day serving their citizens. Risk management is an integral part of that service delivery to safeguard employees and public assets. Help us to recognize the valuable and innovate work being done.


  • To recognize an individual, department or organization that exemplifies excellence and innovation in ― and commitment to — the risk and insurance field.

Eligibility Criteria

  • The nominee must be a current Public Entity Partners member or an employee of a current Public Entity Partners member.
  • The nominee must work to further risk management within their entity. Applications will be reviewed for quality and overall risk management impact. Nominees can be considered for a specific program or contributions to risk management over time.


  • Candidates may self-nominate or can be nominated by someone familiar with their contributions.
  • Nominations may be submitted electronically here, or by completing the Excellence in Risk Management Award Nomination Form and emailing it, along with required documents, to Halie Gallik at
  • Awards will be presented on Thursday, Aug. 22nd, during the 2019 Risk & Insurance Symposium.

Past award winners include police chiefs, city managers, general services departments, human resources departments, risk managers, fire chiefs, and human resource directors from cities, towns, human resource authorities and other governmental entities. Risk management is often incorporated into many different areas of an organization, so don’t think that only risk managers are eligible for recognition.

If you have questions about the award, or if you or a member need assistance in submitting a nomination, please reach out to Halie Gallik at 800.624.9698 or

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Safety Partners Grant and PRIMA Institute Scholarship

In the coming days, you will receive an announcement that applications for the Safety Partners Matching Grant Program are available. This grant is the longest-running grant program offered by Public Entity Partners for members with workers’ compensation coverage, and has benefited members for more than 20 years.

In Fiscal Year 2017-2018, this grant program provided nearly $185,000 in funding to purchase equipment and safety-related training designed to reduce workers’ compensation claims. In the last several years, this grant program has impacted more than 5,000 insured member employees EACH YEAR as their organizations work to improve safety. Our goal is for each employee to go home to his or her family free from injury, and having the proper safety equipment is a crucial way to achieve this.

Grant applications, including instructions, rules for participation, grant considerations and eligibility amounts, are available here.

Examples of eligible equipment the Safety Partners Grant supports include:

  • Appropriate footwear to reduce foot and ankle injuries
  • Safety vests
  • Road flares
  • Traffic cones
  • AED defibrillators
  • Bullet-proof vests

The PRIMA Institute Scholarship application will be available beginning on July 8, 2019, with applications being accepted through Aug. 9. This scholarship will reimburse selected recipients up to $2,000 to attend the 2019 PRIMA Institute, which will take place Oct. 21 - 25 in San Diego, California.

This comprehensive risk management program is grouped into general-themed tracks, including risk leadership, risk methodology, inclusion and emerging trends in risk. Sessions include claims, negotiations and settlements; workers’ compensation 101; the language of insurance; risk management for public fleet operations; special events and more. To view the complete curriculum or for general information about the PRIMA Institute, click here.

If you would like to learn more about these programs or the other grant and scholarship programs offered to members, visit Public Entity Partners’ grant and scholarship calendar. Please reach out to your regional casualty loss control consultant with questions about these programs.

East Tennessee
Judy Housley

Middle Tennessee
Chester Darden

West Tennessee
Paul Chambliss

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Electronic Renewal Applications

Starting with policies that renew after Nov. 1, 2019, PE Partners is implementing electronic renewal applications. If you are due to renew this fall, be on the lookout for an email from Anna Mai, underwriting clerk, with your renewal information, including the electronic application and a summary of your previous policy. The renewal application will be sent to the email address of the underwriting contact we have on file for each line of coverage. You may also print and mail the application if you do not want to submit the application electronically.

If you have a policy that renews between July 1 and Nov. 1 and would like an electronic application, please reach out to Anna or your regional underwriter. As we implement this electronic application method, please send us your feedback about the process.

Anna Mai
Underwriting Clerk

East Tennessee
Jim Bell Hatchel

Middle Tennessee
Anthony Roman

West Tennessee
Janine Helton

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PE Partners Employees Receive Honors

Two employees of Public Entity Partners were recently recognized for their professional accomplishments.

In April 2019, George Dalton, assistant director of loss control, was awarded with the Southeast Loss Control (SELC) Group’s Distinguished Service Award, SELC’s highest honor. This award recognizes years of commitment, dedication and tireless service to the SELC membership, the pooling industry and the public risk discipline throughout the United States.

“Over the past 20 years, George Dalton has become one of the most respected and requested risk management trainers throughout the public sector in Tennessee and the Southeast,” said Michael G. Fann, director of loss control for Public Entity Partners. “His acknowledgement by SELC is just additional evidence of the value that George provides toward better public administration.”

In May 2019, Michael G. Fann was named a Master of Public Policy and Administration (MPPA) Fellow in Professional Practice, an honor conferred by the faculty of the MPPA degree program offered by the University of Tennessee - Knoxville’s political science department. He received the honor at the department’s graduate hooding and awards ceremony at the Howard Baker Center for Public Policy, located on the university’s campus.

Each MPPA fellow is recognized for the numerous hours they dedicate to serving as guest lecturers for the Master of Public Policy and Administration program. According to the department, “Recipients are committed to help advance the professional training and development of graduate students in public administration, public policy and public affairs at the University of Tennessee . . . This honorary title represents the faculty’s recognition of and appreciation for the enduring value contributed by a distinguished practitioner to the MPPA program’s educational mission.”

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Severe Weather and Disaster Recovery

It is no small feat to recover from natural disasters, such as the severe flooding and storms that impacted areas across Tennessee earlier this spring. Having a clear picture of resources that are available to your entity, as well as a precise understanding of what property coverages you have in place, can give you peace of mind following an event and guide you through the recovery process.

A solid property conservation program will help your entity reduce the impact of a major event on your facilities. There are many components to evaluate, including the insurance coverages you have in place and how you manage the recovery process.

As your entity walks through your pre-disaster planning and property conservation program, it is important to make sure that you have a handle on your property schedule, where your facilities and structures are located, and what could impact them. The property schedule on your property policy and the property valuation provided by Public Entity Partners are good places to begin.

Public Entity Partners provides a property valuation for insured locations that are valued at more than $100,000. This valuation includes flood map information, a description of the location, actual cash value and replacement costs. We recommend that you evaluate all your property for potential losses, but also take a close look at any locations that are in the flood plain.

Another resource for viewing the risks of your property for flood damage is FEMA’s Flood Map Service Center. The Flood Map Service Center allows you to search the addresses of your properties to determine if they are in a flood zone. Keep in mind that flood maps are updated from time to time, so if you have concerns about a location, the Flood Map Service Center is the best place to learn more information.

Public Entity Partners’ property policy automatically provides flood coverage. Members can increase the limits that automatically come with the policy, but generally, each member receives a per-occurrence and annual aggregate limit of $1 million.

If the location is in the 100-year flood plain, primary flood coverage is provided by the National Flood Insurance Program (NFIP), with our coverage providing a second layer of coverage for what may be needed outside of the maximum available limits through NFIP. Public Entity Partners' flood coverage is in excess of the NFIP, regardless of whether you elect to purchase the coverage through NFIP (if a structure is eligible for NFIP coverage). For structures that are not eligible for NFIP coverage, Public Entity Partners flood coverage is primary if it is a scheduled location and your community participates in flood plain management.

If an event rises to the levels laid out in the Stafford Act, funding from FEMA may be available to assist in recovery efforts that fall outside your property coverage. One example of costs you may incur in response to a disaster include general debris removal from streets and roadways.

Ever wondered when an event will be declared a disaster by the federal government, making federal assistance available? The Tennessee Emergency Management Agency (TEMA) shares the following about Federal Disaster Assistance and the Stafford Act:


“Under the Stafford Act (federal law), a community requesting federal assistance must prove they have been overwhelmed by events. Not only must the local government be overwhelmed, but state capabilities must be overwhelmed as well. Any request to the President for federal assistance must reflect how local capabilities have been exceeded.

As a foundation to this proof, the local government should declare a local emergency (by proclamation of the mayor) under Tennessee Code Annotated 58-2-104. A survey must be performed by local emergency officials (which may be assisted by the Tennessee Emergency Management Agency) to decide if the damages in the county will meet pre-determined threshold amounts based upon population, and to determine if a state threshold amount based upon population has been met as well. Both thresholds must be met before the county is eligible to apply for federal assistance under the Stafford Act. The mayor (or the local emergency management director acting for the mayor) must request a declaration of state emergency by the Governor. Federal assistance usually cannot be provided without a state declaration of emergency also.”


The Stafford Act lays out two thresholds that must be met using a specified formula that disaster damages must exceed. Population counts from the last official US Census are multiplied by $3.50 for counties and $1.39 per capita for the state.

According to FEMA:


“A disaster sometimes gradually increases or spreads slowly to involve or merge several locations as part of the same event. Often, the Tennessee Emergency Management Plan (TEMP) is not activated when the emergency initially appears to be manageable in the community. Only afterwards is it realized that the many local emergencies are actually part of a larger emergency which has grown to exceed all capabilities. When this happens, the Governor may afterwards issue a proclamation of a single state emergency that covers all of the local emergencies based upon the collective finding.

To determine whether a threshold will be met, the local government and TEMA partner in an informal survey (‘windshield survey’) to estimate the damages incurred in the jurisdiction. This estimate is collected by the state to determine the total damages of all jurisdictions involved in the event and whether the combined amounts may exceed the threshold amounts. When the estimate is near or over the threshold amounts, the Governor may request FEMA to provide Preliminary Damage Assessment (PDA) teams or federal officials who do a more thorough review with state authorities to make the official determination. The PDA is used to determine whether federal disaster funds will be provided.”


The Public Assistance Program authorized by the Stafford Act is comprised of grants from FEMA that provide financial assistance to local governments in order to assist with response to and recovery from disasters. Grants may be available for projects such as debris removal, emergency protective measures and permanent restoration of infrastructure.

FEMA provides a list of the top 10 mistakes made during the procurement process that impact FEMA grant approval. Avoiding the procurement mistakes outlined by FEMA can make the recovery process smoother and help ensure that your entity will be eligible to receive FEMA grants. Click here to view the top 10 procurement mistakes.

If you would like to discuss the flood coverage provided by Public Entity Partners through our Property Policy, please reach out to our underwriting department at 800.624.9698 or by email.

East Tennessee
Jim Bell Hatchel

Middle Tennessee
Anthony Roman

West Tennessee
Janine Helton


During Spring 2019, most Tennessee counties faced at least a minor chance of flooding,
while the majority of West Tennessee faced a moderate likelihood of flooding.

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Most Common Phishing Lures

Can you spot the most common phishing lures used by cyber criminals?

Phishing lures come in many forms, and understanding how cyber criminals will try to trick you can help you better identify these attempts.

Microsoft researchers have found that many different types of phishing lures or payloads are being employed in campaigns, including:

  • Domain spoofing, where the email message domain is an exact match with the original domain name.
  • Domain impersonation, where the email message domain looks just like the original domain name.
  • User impersonation, where the email message appears to come from someone you trust.
  • Text lures, where a text message appears to come from a legitimate source, such as a bank, government agency or other company, to impart legitimacy to their claims. This message typically asks the victim to provide sensitive information, such as usernames, passwords or financial data.
  • Credential phishing links, where the email message contains a link to a page that resembles a login page for a legitimate site so users will enter their login credentials.
  • Phishing attachments, where the email message contains a malicious file attachment that the sender entices the victim to open.
  • Links to fake cloud storage locations, where the email message appears to come from a legitimate source and entices the user to enter personal information, such as credentials, in exchange for accessing a fake cloud storage location.

Source: Microsoft Security Intelligence Report, Volume 24

Do not be fooled by cyber criminals. Take time to educate yourself and those you work with so that you do not fall victim to a phishing campaign. If you are not actively seeking to educate your users and put tools in place to protect your network, you are putting your entity and data at risk.

Adopting a formal, ongoing training program that helps your employees become more aware of the threats posed by malware, phishing attempts and ransomware can reduce the likelihood of your entity falling victim to one of these types of attacks. One service that provides this type of training, and allows you to “test” your users to see if they will fall for a phishing attack, is KnowBe4. This online training platform provides some free cyber security tools that can get you started as you build your program.

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Tennessee Trivia

Q: In what city is Elvis Presley’s Graceland residence and tomb?

A. The City of Memphis