Risk management

AMSC's risk control program has been designed to meet three key objectives:

  1. To help our clients significantly reduce the frequency and cost of claims arising from key exposure areas (i.e. property, liability and automobile).
  2. To provide our clients with the foundation, knowledge and tools they need to better manage all key exposure areas.
  3. To build a robust database of risk information that will help support continued program growth and performance i.e. reporting to our stakeholders, risk management analysis and strategy, and the cost-effective placement of program insurance/reinsurance.

Claims management

Risk management does not stop with placement of insurance programs, comprehensive claims management and servicing is vital in controlling the cost of loss and, ultimately, the cost of risk.

Organizations benefit greatly when there is intensive, consistent and ongoing oversight of the claims management process. Claims professionals will work closely with you to design, implement and monitor a claims management program that can help mitigate your losses and reduce your ultimate cost of risk.

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Risk management eLearning

Available at a computer near you!

Risk control learning has never been easier!

Online learning makes learning more convenient - learning at your own pace. Here are the available modules:

Essentials of municipal risk management Insurance basics
Municipal liability for public works Enterprise risk management
Fleet safety Emergency planning & business continuity
Parks and recreation Seniors facilities
Contractual liability Workplace violence prevention
Errors and omissions Workplace hazardous material information system
Environmental impairment liability Transportation of dangerous goods

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ClearRisk

Today, more than ever, it’s important that municipal entities manage and mitigate the many risks they are responsible for. Making facilities safe for work and play is essential to preventing potential claims. And if claims happen, you have to know how to respond quickly and efficiently, whether it’s a vehicle accident or someone tripping on a sidewalk.

We are committed to providing the best possible tools to help your organization manage risk. Being a MUNIX subscriber allows members acess to a wide variety of risk management tools including risk education. Members may also access ClearRisk risk industry applications to help track and report on risk management programs. ClearRisk also has an extensive data base of risk management information.

With ClearRisk you can create a customized risk management plan to help identify and manage all your organization’s risk. With plans, risk maps, risk tools, and more, ClearRisk Manager brings structure and timeliness to all risk management activities, improving operational efficiency and overall profitability. 

ClearRisk’s comprehensive reports help you effectively communicate the positive impact of your risk management efforts to the insurance markets. Effective risk management can lead to better terms for your business.

Property valuations

As building construction costs have dramatically risen in recent years, it has been increasingly difficult for our members to determine building value. We offer a value-added program for AMSC insurance program subscribers, a building valuation program (to determine insurance replacement cost). In contract with Risk Management Services, all members within the next five years will have insured buildings (value of $100,000 or more) visited and valued.

The building valuation costs with RMS will be included in your insurance program. Through our aggregated service, your municipality may now access the extra services at discount rates. RMS can provide valuations for buildings under $100,000 as well as contents and equipment valuation and specialized loss prevention inspection services for property and liability risk exposures. A detailed building valuation with updated costing for replacement cost construction will be provided and the report includes pictures and a basic site plan.

In conjunction with the building valuations, some buildings will have a loss control inspection done to identify risks which may lead to a claim if they are not mitigated. Utilizing building, fire and insurance standards, recommendations are provided to ensure that each member is aware of the risks and is providing direction on how to correct them. Examples include:

  • property hazards such as non-standard fire extinguishers
  • fire hazards such as welding or cooking, water damage on ceilings
  • liability hazards such as blocked fire exits, emergency lighting, trip hazards

Agility Recovery

We have invested in keeping your organization’s operations protected from disaster by partnering with Agility Recovery. 

Your Agility membership provides access the four key elements of a recovery: power generators, mobile office space, satellite connectivity for phone and internet access, and technology such as computers and servers.  No disaster is too large or too small.  Fire?  Flood?  Power outage?  Phone lines down?  Server failure?  Agility will be there to get you back up and running—fast.

Select members have access to Agility's resources, knowledge and expertise via myAgility, Agility’s secure online planning portal, where member can complete a business continuity plan.