Risk Management

The Office of Risk Management has responsibility for assisting campus in preserving the human and physical assets of the university. Departments are charged with the preserving those assets within their control, correct situations where possible, alert us to hazards that need attention and report all incidents and potential claims when they occur. Risk Management involves identifying, evaluating and controlling loss exposures to minimize the adverse effects of unpredictable events and assist departments in their recovery efforts.

Staff

Jeff Karcher

Director of Risk Management

jeff.karcher@wisc.edu

Gwendolyn Ezell

Assistant Director of Risk Management

gwendolyn.ezell@wisc.edu

Michelle Discher

Worker's Compensation Coordinator

michelle.discher@wisc.edu

Daniel Karamanski

Sr. Risk Management Specialist

karamanski@wisc.edu

Tools of Risk Management

There are four basic tools of risk management: Avoidance, Retention, Loss Prevention and Reduction, Transfer (to another entity)

Avoidance

Many times it is not possible to completely avoid risk but the possibility should not be overlooked. For example, at the height of a blizzard, Car Fleet may not release vehicles for travel until the weather begins to clear, thus avoiding the risk of auto accidents during severe weather. Some buildings on campus have had repeated water problems in some areas – by not allowing storage of supplies in those areas, some water damage claims may be avoided.

Retention

It may be determined that it is more practical to retain a risk even though other methods of handling the risk are available. For example, the University retains the risk of loss to fences, signs, parking meters, gates and light poles because of the difficulty of enumerating and evaluating all of these types of structures. When losses occur, the cost of repairs is absorbed by the campus maintenance budget, except for those situations when we can collect from a negligent third party.

Loss Prevention and Reduction

When risk cannot be avoided, the effect of loss can often be minimized in terms of frequency and severity. For example, our office encourages the use of security devices on all computers, to reduce the risk of theft. We require the purchase of health insurance by students who are studying abroad, so that they might avoid the risk of financial difficulty, should they incur medical expenses in another country.

Transfer

In some cases risk can be transferred to others, usually by contract. When outside organizations use University facilities for public events, we require that they provide evidence of insurance and name the University as an additional insured under their policy, thereby transferring the risk from the University to the user. The purchase of insurance is also referred to as a risk transfer since the policy actually shifts the financial risk of loss, contractually, from the insured entity to the insurance company.

Services

Insurance Administration

UW-Madison is protected for liability, property and worker’s compensation primarily through the State of Wisconsin’s self-funded programs. These programs are authorized and guided via State of Wisconsin statutes and then funded by premium allocations to agencies. In addition, the State of Wisconsin obtains excess commercial coverage in the areas of property and liability. Further, UWSA and UW-Madison procure insurance coverages in other areas where gaps have been identified or as additional service for campus community. Premiums for these programs average approximately $9 million annually for UW-Madison. Risk management works with State Risk Management and UW-System Risk Management to see that adequate protection exists for the various exposures at UW-Madison. All campus related insurance purchases must be administered through UW-Madison Risk Management.

Claims Administration

Risk Management administers all insurance claims for the UW-Madison including property, general liability, automobile, employee dishonesty, and boiler & machinery losses. This administration includes the various activities involved in investigation and negotiation (including settlement recommendations), with claimants, insurance companies and their representatives, UW System Administration and State Risk Management. A new database, shared with State and System, allows us to manage claims data more efficiently.

Loss Control

Risk Management conducts a variety of activities to reduce our risk of loss. We interact with departments and campus personnel in a variety of ways to reduce the potential for loss and the impact that losses might have on day to day operations. Our goal is to be proactive in mitigating exposures before they occur. To that end, we review contracts and projects and analyze loss data from a variety of sources. We work closely with the UW-Madison EHS, UHS and Police Departments.  

Specific Areas of Services

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Automobile Insurance

Automobile Insurance is actually a combination of the state’s self-funded property program for the collision and comprehensive damage, and the state’s self-funded liability program for injury or property damage to a third party or entity.

Camps and Clinics

Special Accident Insurance is a program that provides accidental injury protection for youth programs administered by campus departments.

Campus Facilities Use Policies and Guidelines

Campus Facilities Use Policies and Guidelines are a resource for users of campus facilities and cite not only the rules and regulations regarding such usage, but also provide helpful information for those of you planning events. Included in all of this are the various insurance guidelines for events.

Driver Authorization

Driver Authorization is the process of reviewing driver qualifications and driver records. When approved, the driver’s names will appear in the Approved Driver Database. To learn more, please review the database instructions.

Drones - Use on Campus

The UW–Madison drone use policy will help researchers and instructors on campus meet the Federal Aviation Association’s rules for flying unmanned aircraft systems (UAS) – better known as aerial drones – while also helping to protect privacy.

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Liability Program

Liability Program provides protection for the negligence of our officers, employees and agents, while in the course and scope of their duties.

Program Property

Property Program provides physical damage insurance for campus buildings, contents, and moveable property including items in transit, art exhibits, borrowed and newly acquired property. We also administer all property claims

Risk Management while Traveling

EUROP Assistance is a travel assistance insurance program (not health insurance) which is automatic for all faculty and staff traveling abroad on University business.

International Health Insurance is a program of health insurance required for all students involved in academic pursuits while out of the country. This program is also available to faculty and staff involved in educational pursuits, while on University business.

Special Events Liability Insurance

Special Events Liability Insurance is a System-wide insurance program that allows event sponsors to purchase insurance on an event basis.

Student Risk Management Information

Student Risk Management Information is specifically targeted at students and answers questions relating to health insurance, accidents on campus, liability and use of automobiles for University business.

Vendor Certificates of Insurance

Vendor Certificates of Insurance is an online program that allows you to determine the viability of any vendor your department might wish to do business with. This website will tell you whether a specific vendor currently meets the University’s insurance requirements for high-risk vendors. To learn more, please review the Certificates database instructions.

Worker's Compensation

Worker’s Compensation provides benefits under the Wisconsin Worker’s Compensation Act for employees who suffer an accidental injury or occupational disease arising out of and in the course of employment by the University.

Contact

Find Risk Management

Risk Management
21 North Park Street, Suite 5301
Madison, WI 53715

Email Risk Management

General Risk Management
riskmgmt@bussvc.wisc.edu

Driver Authorization and Auto
driverauth@bussvc.wisc.edu

Worker’s Compensation
workcompprog@bussvc.wisc.edu

Fax Risk Management

Fax
(608) – 262-9082