Risk Management

Address:
275 Broad Street
Windsor, CT. 06095
Hours:
Mon - Fri
8:00 AM - 5:00 PM
Email:
E-mail Us
Phone:
860-285-1841

Staff

Martin Maynard
Risk Manager
860.285.1851

About Risk Management

The Risk Management Department assist both the Town of Windsor and the Windsor School District with development of the insurance program, safety program and worker compensation program for employees and is the office for liability issues for the Town Government and School District.

 

 

Risk Management evaluates and manages the risk of loss associated with town operations specific to the areas of general liability, automobile, property damage, crime, professional and fiduciary liability, workers compensation, accident and health.

 

The mission of the Office of Risk Management is to protect the assets and human resources of the Town of Windsor for its residents through a comprehensive and cost effective  insurance and risk management program. It is our goal to provide a safe and healthy workplace to employees of the town through compliance with federal and state regulations and best risk management practices. It is also our goal to return town services to normal as quickly as possible after a natural or manmade incident.

 

 

Certificate of Insurance

 

The Town of Windsor requires a Certificate of Insurance (COI) from contractors and vendors providing services to the Town.  It also has certain minimum insurance requirements for the contractors, vendors and events and use of Town property.

 

Contractors and vendors must furnish Certificates of Insurance to the Office of Risk Management, which handles the request for certificates of insurance.  

 

See below for minimum limits required by the Town. They are as follows:

 

 

Note to Outside Groups/Vendors Working at Town and BOE of Windsor Facilities:

 

The Town of Windsor requires liability insurance for vendors working at Town of Windsor facilities.  The Town of Windsor must be listed as “additional insured.”  Proof of the coverage must be provided to the Town of Windsor Risk Management office by no later than ten business days prior to the event or use.

 

Commercial General Liability

Each Occurrence $1,000,000
Personal/Advertising Injury Per Occurrence  $1,000,000
General Aggregate     $2,000,000
Product/Completed Operations Aggregate   $2,000,000
Fire Damage Legal Liability    $100,000

 

Contact the Windsor Risk Management department for more information, at 860-285-1851.

 

 

 

Note to Vendors Providing Goods/Services to the Town and BOE of Windsor:

 

All vendors supplying goods or services to Windsor are required to provide verification of insurance coverage.  Proof of the coverage must be provided to the Town of Windsor Risk Management office by no later than ten business days prior to the event or use. 

 

Commercial General Liability

Each Occurrence $1,000,000
Personal/Advertising Injury Per Occurrence  $1,000,000
General Aggregate     $2,000,000
Product/Completed Operations Aggregate   $2,000,000
Fire Damage Legal Liability    $100,000

 

Notes:

** Town of Windsor is to be listed as additional insured.

**Include Explosion, Collapse & Underground coverage for construction projects.

 

Automobile Liability

Each Accident  $1,000,000
Hired/Non-owned Auto Liability $1,000,000

 

Excess (Umbrella) Liability

The requirement that an excess (umbrella) policy be provided will depend on a case-by-case evaluation of the scope and severity potential of the product/service.  Your exposure to catastrophic loss arising from the work or service being performed will determine the limit required.   Please contact the Risk Manager at 860-285-1851.

 

Workers’ Compensation/Employers Liability

 

Workers’ Compensation Employers Liability Statutory Requirement set forth by State of CT
Each Accident $100,000
Disease-Policy Limit $500,000
Disease-Each employee $100,000

 

Professional Liability

(for consultants, engineers, and other individuals/businesses providing professional services)

 

Each Claim $1,000,000

 

Information needed for a certificate of Insurance or Evidence of Insurance from the Town

 

At times, some of you will need a certificate of insurance (COI) or evidence of insurance. Certificates of Insurance and evidence of insurance is not generated from the Risk Manager’s office. It must be requested by the Risk Manager from the town’s Broker and their staff then puts together the information requested and sends it back to the Risk Manager’s office and to the requesting agency.

 

To assist you, the following is the information needed in order to fulfill a request:

  • Grant or contract number, or some identifying title
  • Name of requesting agency or vendor
  • Address of requesting agency
  • Telephone number, fax number of requesting agency
  • Name of contact
  • Specific coverages being requested (most times it is general liability, workers comp, property, auto). 

 

Once the COI has been issued, it is automatically sent to the requesting agency and to the Risk Manager’s office. It will then be sent to the individual requesting it so it can be attached to their application. Generally it takes a day or two for the request to be made and fulfilled. Please allow enough time for the request to be made, reviewed and submitted.

 

 

Workers’ Compensation

 

EMPLOYEE INSTRUCTIONS        

 

INTRODUCTION   

 

These instructions are a part of Town of Windsor / Windsor Board of Education  Medical Care Plan which has been submitted and approved by the Chairman of the Workers' Compensation Commission for providing medical treatment to employees who suffer work-related injuries or occupational illnesses in the State of Connecticut.

 

This plan only covers employees that have workers' compensation injuries and illnesses. It is the Town of Windsor / Windsor Board of Education’s goal to provide the injured employee with prompt and effective medical care through a network of physicians (on the Plan), treatment centers and hospitals.  The objective of the Plan is to ensure that you receive prompt and effective medical care consistent with your injury and that you have access to specialty medical care if the need arises.

 

WHAT YOU SHOULD DO IF YOU ARE INJURED

 

If you have a work-related accident, you should report the injury immediately to your supervisor.  Your supervisor will provide you with a medical provider directory from which you can choose any of the physicians or providers listed. Your supervisor will make certain that you receive prompt medical treatment for that injury. 

 

INITIAL TREATMENT CENTERS

 

In order to provide the injured employee with prompt and effective medical treatment, the Town of Windsor / Windsor Board of Education has made arrangements for each employee to obtain immediate treatment at Hartford Medical Group, 1060 Day Hill Rd., Windsor, CT or St. Francis Center for Rehabilitation and Sports Medicine,, 100 Deerfield Rd., Windsor, CT. Thereafter, you may seek treatment from any of the providers listed in the directory.

 

SPECIALISTS

 

If treatment with a specialist is necessary, the Plan covers physicians in certain specialties. For a list of specialties covered by this Plan, please refer to the plan on the Risk Management page (upper right corner) or go to the Intranet, under Safety and Risk Management.

 

 If the physician you need to see is in a specialty that is not covered by the Plan, you have the right to choose and treat with any Connecticut physician in that particular specialty.  However, for all the specialties covered by this Plan, you must seek treatment from one of the physicians listed in the directory. 

 

IF YOU SEEK MEDICAL TREATMENT FROM A PHYSICIAN OR OTHER PROVIDER NOT LISTED IN THE DIRECTORY FOR A SPECIALTY COVERED BY THE PLAN THE Town of Windsor / Windsor Board of Education, IS NOT REQUIRED TO PAY FOR THAT MEDICAL TREATMENT AND YOU RISK LOSING YOUR RIGHT TO RECEIVE WORKERS' COMPENSATION BENEFITS AND PAYMENT FOR MEDICAL TREATMENT, SUBJECT TO THE ORDER OF THE WORKERS’ COMPENSATION COMMISSION.

 

EMERGENCY TREATMENT

 

In the case of an emergency, you should contact your supervisor.  Your supervisor will make arrangements with you to seek treatment at the nearest emergency treatment facility or hospital.  After the initial treatment and, if further treatment is required, you must select a physician listed in the directory.  If the physician at the emergency facility recommends treatment by a physician in a specialty not listed in the directory, you may choose any licensed Connecticut physician within that specialty. 

 

This plan does not restrict your treating physician from referring you for inpatient or outpatient treatment at any licensed hospital in Connecticut.

 

 

Claim Procedures

If you have been involved in an accident and/or wish to file a claim against the Town of Windsor, it is necessary to submit a written claim.  The claim letter should be sent to the following address:

 

Ms. Anna Posniak

Town Clerk

Town of Windsor

275 Broad Street

Windsor, CT 06095

 

Upon receipt of the claim letter, it will be forwarded to the Town’s insurance carrier and a claims representative will contact you. However, an investigation must be conducted into the claim before a final decision on liability will be made.  This process can take some time.

 

The insurance carriers make the final determination of liability, not employees of the Town. Therefore, the Risk Management office will not be obligated to provide any payment toward a claim based on statements of employees prior to completion of an investigation into the claim.