Risk Management Overview
A.R.S. Section 41-621 through Section 41-625 provide for insurance or self-insurance of the following:
- All state-owned buildings, including those of the three state universities.
- All property owned by the state.
- All officers, agents and employees of the state against liability for acts or omissions of any nature while acting in authorized governmental or proprietary capacities, except as prescribed by statute.
- Workers' compensation injuries of state employees.
- Environmental damage and health threats associated with state-owned/operated property and facilities.
A.A.C., Title 2, Chapter 10 of the Administrative Code supplements the statutes and provides guidelines for coverage and claims procedures, loss prevention programs, purchase of insurance, environmental losses, and the Provider Indemnity Program. Risk Management's responsibilities for insurance and self insurance include:
- Evaluation of risk financing alternatives.
- Procurement of commercial insurance when appropriate.
- Allocation of costs for property, liability and worker's compensation among agencies.
Liability Coverage's & Limitations
A.R.S. Section 41-621, provides coverage for all officers, agents and employees of the state and its departments, agencies, boards and commissions against liability for acts or omissions of any nature while acting in authorized governmental or proprietary capacities and within the course and scope of employment or authorization.
Volunteers acting at the direction of state officials and within the course and scope of their state-authorized activities receive the same coverage as employees. Volunteers may be covered for workers' compensation if they meet the criteria set forth in A.R.S. Section 23-901.
Workers' Compensation (For more information see: Agency Information Workers' Compensation)
The state is self-insured for workers' compensation coverage.
State vehicles: Coverage is provided to state employees when driving state vehicles within the course and scope of employment and authorization.
Private vehicles: Liability coverage is provided on an excess basis for private vehicles driven within the course and scope of employment and authorization. Physical damage is not covered.
Employee Owned Property (Including Vehicles)
Employee-owned property is generally not covered.
All pilots should contact Risk Management for specific requirements before flying on authorized state business. Risk Management must approve each application to fly on state business before coverage will apply.
Travel Outside the United States
Prior to travel outside the United States while acting within the course and scope of employment, contact Risk Management for specific instructions and assistance.
Property Coverage & Limitations
A.R.S. Section 41-621, provides coverage for all state-owned buildings, contents and property. Certain restrictions on coverage are detailed in A.R.S. Section 41-622 and A.A.C., Title 2, Chapter 10, Article 1.
Certificates Of Insurance
Prior to approving a Certificate of Insurance, the Risk Management Insurance Analyst will need to review:
- Your agency "Request for Certificate of Insurance", and
- Written agreement, contract or other document requiring evidence of insurance. Approval of Certificate will require that this documentation not conflict with certain statutes and/or rules that prohibit indemnification.
- Employee safety in the work environment
- Real and personal property protection
- Federal and State standards for Industrial Hygiene and Environmental Protection
- Negligent acts that cause third-party claims
- Fire Protection
- Motor Vehicle Safety
- Construction Safety
- Industrial Hygiene
- Occupational Safety and Health
- Air and Water Quality
- Personal Protective Equipment
- Office Ergonomics
- Hazard Communication
- Pay timely medical, surgical, hospital and disability benefits as provided by law under the Arizona Workers' Compensation Act
- Evaluate and initiate cost containment programs
- Coordinate statewide Return-to-Work Programs
- Pursue recoveries from parties contributing to or causing injury to covered persons
- Volunteers specifically referenced in A.R.S. Section 23-901
- Employees of Superior Courts of all Arizona counties except Maricopa
- Attend to the injured worker immediately and arrange for necessary medical attention. If the injury is serious, call 911.
- Call the Early Notification phone line at (800) 837-8583.
- Accompany the injured worker to the doctor if he/she is unable to drive.
- Obtain information about the incident or injury and fill out the agency specified report of injury form.
- List and interview all witnesses.
- Examine the area of the accident, and secure any equipment, machines or vehicles, etc., for investigation and recovery purposes.
- If there is any reason to doubt the validity of a claim, provide information to Risk Management.
- If information disproving the validity of a claim or the extent of the injury is discovered at a later date, report it immediately to Risk Management.
- Maintain contact with the injured worker.
- Contact Risk Management at 602-542-5218 or email with any questions.
- Always look for ways to prevent this and other incidents from happening and advise your loss prevention coordinator.
- Request a doctor's release before permitting a return to work.
- Contact Risk Management at 602-542-5218 or email with the date the employee is to return. This is to prevent potential overpayment of benefits.
- If the employee is released to modified work duties, review any limitations with the employee. Make certain you have specific work limitations from the employee's physician.
- Be sure to review the agency modified duty policy. A copy can be obtained from the Human Resource division of your agency.
- If you have any questions regarding limitations, accommodations, or the employee's work schedule, call Risk Management at 602-542-5218.