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ANNUAL<br />
SUMMARY<br />
0<br />
0<br />
<strong>2015</strong>/16<br />
Thirtieth<br />
Anniversary
TABLE OF<br />
CONTENTS<br />
01<br />
03<br />
05<br />
07<br />
13<br />
19<br />
20<br />
21<br />
23<br />
25<br />
27<br />
Message From the President<br />
30 Years of Excellence<br />
<strong>2015</strong>/16 Accomplishments<br />
<strong>SCR</strong> at a Glance<br />
Claims<br />
Audited Financials<br />
Association Affiliates<br />
Service Providers<br />
Officers<br />
Committee Chairs<br />
Board of Directors
01 <strong>SCR</strong> 30 th Anniversary<br />
MESSAGE FROM<br />
THE PRESIDENT<br />
Patricia L. Meyer<br />
President of <strong>SCR</strong><br />
Dear ReLiEF Member:<br />
On behalf of the Southern California Regional Liability Excess<br />
Fund (ReLiEF), we are pleased to provide you with the <strong>2015</strong>/16<br />
<strong>Annual</strong> Report of operations. It’s been a very busy year!<br />
California public schools have experienced a tremendous<br />
increase in claim activity over the last few years. Child abuse<br />
has become an all too common event. We must change the<br />
campus culture and empower employees to take action when<br />
they witness inappropriate or suspicious activity. In combination<br />
with inflation and low investment yields, these factors continue<br />
to make for a progressively hardening reinsurance market.<br />
In preparation, each of the working committees and the Board<br />
of Directors have reviewed all operating policies and taken<br />
action necessary to streamline expenditures while maintaining<br />
the core mission, values and principles of the Authority.<br />
Furthermore, we have conducted an exhaustive evaluation of<br />
our underwriting and rating practices to ensure an equitable<br />
structure that:<br />
• Rewards members with good loss experience<br />
• Helps those with poor losses to absorb the impact of<br />
those losses
<strong>SCR</strong> 30 th Anniversary<br />
02<br />
• Provides incentives for continued investment in safety<br />
and risk management<br />
Despite this challenging claims environment for schools,<br />
we continue to grow, while providing broad coverage and<br />
unprecedented levels of member services, including, but not<br />
limited to, the following:<br />
• Unlimited Online Safety, Risk Management & Regulatory<br />
Training<br />
• Cyber Liability Program with comprehensive breach<br />
mitigation resources<br />
• Professional Development<br />
• Abuse Prevention Center<br />
• Real Property Valuations<br />
• Safety Inspections and Loss Control Services<br />
• Accident Med-Pay Program<br />
• FAPE Defense Fund<br />
While these challenging times are a testimony to the reason why<br />
we participate in a member-owned and operated risk-sharing<br />
program like ReLiEF, it is imperative that we all get involved and<br />
be able to articulate the mission, the policies, and the value<br />
it brings to California public schools. With your involvement,<br />
I am confident we will continue to develop the solutions for<br />
the challenges we face today and those that are certain to<br />
arise tomorrow.<br />
Sincerely,<br />
Patricia L. Meyer<br />
President of <strong>SCR</strong>
03<br />
<strong>SCR</strong> 30 th Anniversary<br />
30 YEARS OF<br />
EXCELLENCE<br />
To know where we are going we must first remember where we<br />
have been. <strong>SCR</strong> started in 1986 when districts were facing the<br />
challenge of sky rocketing insurance premiums and an inability<br />
to obtain adequate coverage at any cost from traditional<br />
insurance carriers. Rather than give into defeat, this was a rallying<br />
call for all of us to come together and develop new innovative<br />
ways to address risk on our campuses in an operationally efficient<br />
and economically viable manner.<br />
This gave rise to <strong>SCR</strong> which still stands, 30 years later, as the only<br />
member-owned and operated program exclusively designed to<br />
meet the needs of California K-12 Districts and is the premier<br />
insurance and risk management program for them.<br />
Our recipe for success was to identify all exposures that could<br />
have negative consequences for our schools and quickly develop<br />
innovative solutions to eliminate, mitigate, or transfer them<br />
to others. We are proud of the success we have achieved using<br />
those tools.
<strong>SCR</strong> 30 th Anniversary<br />
04
05 <strong>SCR</strong> 30 th Anniversary<br />
<strong>2015</strong>/16<br />
ACCOMPLISHMENTS<br />
We should all be proud of our many accomplishments. All we have<br />
to do is take a look at the <strong>2015</strong>/16 program year to see just how far<br />
we’ve come and the strides we have made.<br />
• Membership at its highest since inception.<br />
• Over 2.7M total KSS Course Completions.<br />
• Developed the Abuse Prevention Center, a one-stop<br />
shop for abuse prevention training, best practices and<br />
related resources.<br />
• Recently made available is KSS Alert!, a state of the art<br />
incident reporting system which allows students, staff and<br />
parents to confidentially report any inappropriate conduct,<br />
ranging from illegal drug use to abuse & molestation, 24<br />
hours a day, 7 days a week, 365 days of the year.<br />
• Developed Cyber and Data Breach protection and<br />
resources to include both first and third party coverage,<br />
along with breech mitigation resources, training programs,<br />
and specialist support.
<strong>SCR</strong> 30 th Anniversary<br />
06
07<br />
<strong>SCR</strong> 30 th Anniversary<br />
ADA 1986/16<br />
Average Daily Attendance<br />
1.2M<br />
1M<br />
689,866<br />
640,345<br />
741,675<br />
800K<br />
419,912<br />
600K<br />
400K<br />
200K<br />
1986/87 1991/92 1996/97 2001/02
<strong>SCR</strong> 30 th Anniversary<br />
08<br />
934,830<br />
869,757<br />
1,021,516<br />
1,086,589<br />
2006/07 2011/12 2014/15<br />
<strong>2015</strong>/16<br />
1,086,589<br />
STUDENTS
09<br />
<strong>SCR</strong> 30 th Anniversary<br />
TIV 1986/16<br />
Total Insured Property Value<br />
2,366,605,271<br />
4,301,831,716<br />
5,199,096,672<br />
7,194,647,826<br />
1986/87 1991/92 1996/97 2001/02
<strong>SCR</strong> 30 th Anniversary<br />
10<br />
23,887,885,603<br />
26,784,526,546<br />
17,282,776,000<br />
14,366,913,412<br />
2006/07 2011/12 2014/15 <strong>2015</strong>/16
11 <strong>SCR</strong> 30 th Anniversary<br />
REBATES &<br />
MEMBER SERVICES<br />
<strong>2015</strong>/16<br />
RATE<br />
STABILIZATION<br />
$705K<br />
INSPECTIONS,<br />
RM & PROPERTY<br />
APPRAISALS<br />
$10.4M<br />
REBA<br />
$25<br />
OVERALL SIN
<strong>SCR</strong> 30 th Anniversary<br />
12<br />
TES<br />
.1M<br />
AMP<br />
$7.7M<br />
ENV.<br />
IMPAIRMENT<br />
SUPPORT<br />
$82K<br />
MATCHING<br />
GRANTS<br />
$694K<br />
CE INCEPTION $45M
$43<br />
13<br />
<strong>SCR</strong> 30 th Anniversary<br />
CLAIMS 2011/16:<br />
5 YEAR HISTORY<br />
$30,767,601<br />
$16,841,523<br />
489<br />
595<br />
$13,488<br />
58<br />
$13,<br />
$9,841<br />
2011/12 2012/13<br />
2013<br />
AVERAGE EXPENSE<br />
FREQ
<strong>SCR</strong> 30 th Anniversary<br />
14<br />
,593,407<br />
$27,509,994<br />
$29,429,657<br />
7<br />
839<br />
625<br />
646<br />
$10,249<br />
$7,222<br />
/14 2014/15<br />
<strong>2015</strong>/16<br />
UENCY<br />
TOTAL INCURRED
15<br />
<strong>SCR</strong> 30 th Anniversary<br />
CLAIMS 2011/16:<br />
5 YEAR HISTORY<br />
Top 5 Loss Leaders<br />
F<br />
Failure to Act, Respond or Supervise<br />
Sexual Assault/Molestation<br />
Auto Liability<br />
Employment Liability<br />
Accidental Fire
<strong>SCR</strong> 30 th Anniversary<br />
16<br />
requency Total Incurred Average Expense<br />
365 $36,026,752 $19,399<br />
102 $27,688,498 $29,371<br />
552 $21,216,935 $4,290<br />
220 $16,522,832 $43,098<br />
30 $7,260,333 $7,036<br />
OVER $182M IN CLAIMS<br />
PAID SINCE 1986
17<br />
<strong>SCR</strong> 30 th Anniversary<br />
BREAKOUT OF<br />
PROJECTED LOSSES<br />
as of June 30, <strong>2016</strong><br />
$25M<br />
$0M<br />
06/07 07/08 08/09 09/10 1<br />
PROJECTED PAID LOSSES<br />
PROJECTED C
<strong>SCR</strong> 30 th Anniversary<br />
18<br />
0/11 11/12 12/13 13/14 14/15 15/16<br />
ASE RESERVES<br />
PROJECTED IBNR LIABILITY
19<br />
<strong>SCR</strong> 30 th Anniversary<br />
AUDITED<br />
FINANCIALS<br />
Total Assets $50,507,223<br />
Total Liabilities $57,128,328<br />
Designated:<br />
Capital Target $8,844,000<br />
Risk Management Reserve $202,774<br />
Matching Grant Program $161,203<br />
Accident Med-Pay Program $112,965<br />
Env. Impairment Support Program $31,118<br />
Detailed financial statements and Treasurer’s Reports include<br />
budget-to-actual comparisons and are provided to the <strong>SCR</strong><br />
Finance Committee and Board of Directors as well as on the<br />
<strong>SCR</strong> website.
<strong>SCR</strong> 30 th Anniversary<br />
20<br />
ASSOCIATION<br />
AFFILIATES<br />
(CAJPA)
21<br />
<strong>SCR</strong> 30 th Anniversary<br />
SERVICE<br />
PROVIDERS
<strong>SCR</strong> 30 th Anniversary<br />
22
23<br />
<strong>SCR</strong> 30 th Anniversary<br />
OFFICERS<br />
Patricia Meyer<br />
President<br />
Northern Orange County Liability & Property SIA<br />
Steven Salvati<br />
Vice President<br />
Poway Unified School District<br />
Rick Nakano<br />
Secretary<br />
Garden Grove Unified School District<br />
John Fogarty<br />
Treasurer<br />
Irvine Unified School District
<strong>SCR</strong> 30 th Anniversary<br />
24
25<br />
<strong>SCR</strong> 30 th Anniversary<br />
COMMITTEE<br />
CHAIRS<br />
Lucy Dressel<br />
Underwriting/Loss Control Committee Chair<br />
Hemet Unified School District<br />
Steven Salvati<br />
Claims & Coverage Committee Chair<br />
Poway Unified School District<br />
John Fogarty<br />
Finance Committee Chair<br />
Irvine Unified School District
<strong>SCR</strong> 30 th Anniversary<br />
26
27 <strong>SCR</strong> 30 th Anniversary<br />
BOARD OF<br />
DIRECTORS<br />
Bob Turner<br />
Alvord Unified School District<br />
Dianne Poore<br />
Anaheim Union High<br />
School District<br />
LaTanya Kirk-Carter<br />
Beverly Hills Unified<br />
School District<br />
Scott Buxbaum<br />
Cajon Valley Unified<br />
School District<br />
Mei Randle<br />
Calexico Unified<br />
School District<br />
Alejandro Alvarez<br />
Compton Unified<br />
School District<br />
Sherry Kaib<br />
Corona-Norco Unified<br />
School District<br />
Ruben Frutos<br />
El Rancho Unified<br />
School District<br />
Larry Wilkie<br />
Fontana Unified<br />
School District<br />
Christine Fullerton<br />
Fountain Valley School District<br />
Rick Nakano<br />
Garden Grove Unified<br />
School District<br />
Annie Bui<br />
Hacienda La Puente Unified<br />
School District<br />
Lucy Dressel<br />
Hemet Unified School District<br />
Janet Gould<br />
High Desert Schools’ JPA<br />
Jon Archibald<br />
Huntington Beach City<br />
School District<br />
Rose Multari<br />
Huntington Beach Union High<br />
School District<br />
John Fogarty<br />
Irvine Unified School District<br />
Eric Jacklin<br />
Jurupa Unified School District<br />
Scott Cole<br />
Kern High School District<br />
Adrienne Konigar-Macklin<br />
Lynwood Unified<br />
School District<br />
Scott Mann<br />
Moreno Valley Unified<br />
School District
<strong>SCR</strong> 30 th Anniversary<br />
28<br />
Christopher Carson<br />
National School District<br />
Patricia Meyer<br />
North Orange County<br />
Liability & Property SIA<br />
Christopher Wright<br />
Oceanside Unified<br />
School District<br />
Diana Gaeta<br />
Orange Unified<br />
School District<br />
Renee Brunelle<br />
Palm Springs Unified<br />
School District<br />
Abdollah Saadat<br />
South Bay Union<br />
School District<br />
Donna Caperton<br />
Vista Unified<br />
School District<br />
Jose Herrera<br />
Whittier Area L&P<br />
Self-Insurance Authority<br />
Sonia Pishehvar<br />
William S. Hart Union High<br />
School District<br />
Steven Salvati<br />
Poway Unified School District<br />
Bernie Cavanagh<br />
Redlands Unified<br />
School District<br />
Derek Harris<br />
Rialto Unified<br />
School District<br />
Daniel Whitfield<br />
Riverside Schools<br />
Insurance Authority<br />
Dr. Herbert D. Bartelt Jr.<br />
Self Insurance Risk<br />
Management Authority II
<strong>2015</strong>/16 <strong>SCR</strong> <strong>Annual</strong> <strong>Summary</strong><br />
Designed and Produced by:
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