In This Issue


2018 Agent Roundtable Luncheons

Member Survey

Ready Campaign

PE Partner Workshops


Tennessee Trivia

Q. How many U.S. Presidents have called Tennessee home?

Click here for the answer

Message from the President

Dawn Crawford

At our February meeting, our board of directors instructed our staff to carry out the following regarding Public Entity Partners’s coverages, rates and dividends.

COVERAGES:

Inmate Medical Expenses Exclusion

Public Entity Partners is continually reviewing court opinions and decisions affecting its member insureds. In July of 2017, the Tennessee Court of Appeals issued two opinions regarding the use of county inmates on municipal work projects. In both cases, the court held that a county inmate injured on a municipal work detail is entitled to have his medical expenses paid during confinement, but nothing more.

Neither of the cases determined which entity (city or county) was responsible for the medical expenses. Tenn. Code Ann. § 41-2-123 allows county inmates to work on municipal work projects. However, Tenn. Code Ann. § 41-4-115 expressly states that it is the duty of the county to provide medical attendance for all prisoners confined in the county jail. Thus, it appears the county has the duty and obligation to pay medical expenses, even in cases where a county inmate is injured on a municipal work project.

In light of these recent court opinions and the statute indicated above, Public Entity Partners has reviewed its liability policy and is making changes accordingly. Beginning with the July 1, 2018 renewal cycle, Public Entity Partners’s policy will now exclude coverage for any medical expenses for any county inmate or other prisoner confined in a county jail/workhouse arising from any injury or illness received while on a municipal work project. It is important to note that this exclusion applies to all medical expenses, regardless of whether the city has executed an interlocal agreement indicating otherwise. Public Entity Partners will continue to provide litigation defense costs in these cases.

In the past, Public Entity Partners allowed members to endorse interlocal agreements onto the member’s policy in order to shift responsibility for medical expenses from a county to a city if the inmate was injured while on a municipal work project. These agreements essentially created a no-fault system for payment of these medical expenses. As a result, these agreements assumed costs above and beyond what cities were legally obligated to pay on behalf of county inmates. That practice is no longer effective as Public Entity Partners’s policy now excludes coverage, even if the member has agreed to assume responsibility in accordance with an interlocal agreement.

Catastrophic Medical (Cat Med) Expenses

Under the current liability policy, each insured has $1 million in coverage, per occurrence, for catastrophic medical expenses. The Cat Med coverage applies when an injured party’s reasonable, necessary and actually incurred medical expenses exceed 50 percent of the Governmental Tort Liability Act limits. Once applicable, the Cat Med then covers all reasonable, necessary and actually incurred medical expenses, up to the $1 million coverage limit.

Effective for policies entered into or renewed after July 1, 2018, the Cat Med coverage limits will be $500,000 per individual and $1 million per occurrence. Thus, if there is only one injured party, the Cat Med will pay up to $500,000 in medical expenses, but if there are multiple injured parties, the Cat Med will continue to provide up to $1 million in medical expenses.

RATES:

We are happy to announce that, with the July 1, 2018 policy renewals, there will be no change in base rates.

DIVIDENDS:

A financial benefit of PE Partner membership is the return of excess dividends to members. While base rates impact premiums based on future anticipated losses, dividends are based on past performance.

Any surplus in excess of calculated thresholds is recommended to be returned to the membership in the form of a dividend credit, applied to the renewal invoices of qualifying members.

It is important to note that, since the dividends vary from year to year and are not part of the premiums charged for renewing coverage, they should not be counted as part of your entity’s budgeted insurance costs.

For the 2018-2019 fund year, Public Entity Partners’s board of directors has authorized a $5 million dividend, which includes $2,225,000 in workers’ compensation dividends; $2,285,000 in liability dividends; and $490,000 in property dividends.

Thank you for your business, and for our decades of stability and partnership together.

Respectfully,
Dawn Crawford signature
Dawn R. Crawford
President/CEO

 

2018 Agent Roundtable Luncheons

Public Entity Partners invites you to attend one of our Agent Roundtable Luncheons. We will use this time to answer any questions you may have about Public Entity Partners’s coverages, upcoming renewals or any of our value-added services. We will also discuss coverage and rate changes that will go into effect on July 1, 2018.

These roundtable luncheons are all about how we can help you, and are being hosted in your area by your local Member Services Representative and Underwriter. Locations, dates and times are listed below.

Please RSVP by April 30, 2018, to Heather McKnight at hmcknight@PEpartners.org or by calling 800-624-9698. Please also submit to Heather any topics for discussion or questions you’d like us to answer.

We look forward to seeing you there!

East Tennessee

May 8 – Oak Ridge: 10:30 am - 1:00 pm
Madison Insurance Group
800 Oak Ridge Turnpike, B-200, Oak Ridge, TN 37830

May 9 – Greeneville: 10:30 am - 1:00 pm
Greeneville City Schools Central Office
129 W. Depot St. #4, Greeneville, TN 37743

May 10 – Collegedale: 10:30 am - 1:00 pm
Collegedale City Hall
4910 Swinyar Dr., Collegedale, TN 37315

Middle Tennessee

May 2 – Cookeville: 11:30 am - 1:30 pm
Crawdaddy’s
53 W. Broad St., Cookeville, TN 38501

May 9 – Shelbyville: 11:30 am - 1:30 pm
Legends Steakhouse
1609 N. Main St., Shelbyville, TN 37160

May 16 – Brentwood: 11:30 am - 1:30 pm
Public Entity Partners
5100 Maryland Way, Brentwood, TN 37027

West Tennessee

May 30 – Dyersburg: 11:30 am - 1:30 pm
Professional Development Center
305 College St., Dyersburg, TN 38024

May 31 – Paris: 11:30 am - 1:30 pm
Paris City Hall
100 N. Caldwell, Paris, TN 38242

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Member Survey

Public Entity Partners’s Member Services representatives work to ensure we are meeting the needs of our members through our programs and services. We have created a survey to gain information on how we can help you make the most of Public Entity Partners’s resources. We would also like to determine areas in which we can improve. These might include coverages you would like to see in the future, new training opportunities that would benefit you and your entity, and how we can make the most of your time when we visit with you.

We believe your feedback is instrumental to the ongoing operation of Public Entity Partners. The survey will be sent out to all members this month. We would like to encourage you to take time to complete the survey and provide feedback on how we can better serve our members.

Again, we thank you for you continued support of Public Entity Partners. If you have any questions regarding this survey, or if you would like to provide additional feedback, please contact your Member Services Representative.

East Tennessee
Wayne Anderson
wanderson@PEpartners.org

Middle Tennessee
Callie Westerfield
cwesterfield@PEpartners.org

West Tennessee
Celeste Taylor
ctaylor@PEpartners.org

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Ready Campaign

As we move into spring — and into the storm and tornado season, please take time to consider what steps your entity has taken for business continuity planning.

Last month, we shared the resources that are available to members with property coverage through the Agility Recovery program. There are additional free resources to help you get started in developing your plan, including the Ready Campaign through the Department of Homeland Security. If you have not visited ready.gov/business, we encourage you to do so.

Business continuity planning involves more than simply developing a written plan. It also includes systematically training employees on how to respond in the event of a disaster, and preparing them for what their specific role would be. The Department of Homeland Security offers an online training program that walks you through what business continuity planning is, why it is important, and what is involved in the process. This training program can be found here.

Don’t be caught without a plan. Take time to evaluate how your entity could be impacted by a disaster, as well as how you will get back up and running. Planning, training and re-evaluation are key!

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PE Partner Workshops

We’ve just concluded two weeks of traveling from one end of the state to the other for our annual spring workshops. Our topic for this year’s workshops centered around Employment Practices Liability, with a particular focus on “Employees: Your Most Important Investment.”

We would like to thank all who participated in the workshops and those who presented. With over 400 people participating from across the state, the attendance was tremendous. J. Michael Billingsley, city attorney with the City of Kingsport, along with Public Entity Partners’s Michael Fann and George Dalton, did a superb job of presenting valuable information. If you were not able to attend any of the workshops, we encourage you to download the materials at https://www.PEpartners.org/Workshop/.

Public Entity Partners appreciates its partnerships with our membership, and these two weeks exhibited the strength of those relationships.

George Dalton
George Dalton, assistant director of Loss Control for
Public Entity Partners, presents at the Franklin workshop
 
   
Participants at the Bartlett Workshop

Participants at the Bartlett Workshop

Participants at the Medina Workshop Participants at the Bartlett workshop

 

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Tennessee Trivia

Q: How many U.S. Presidents have called Tennessee home?

A. While no U.S. Presidents have been born in Tennessee, Presidents Andrew Jackson, James Knox Polk and Andrew Johnson lived most of their adult lives in Tennessee and are all buried here.