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?