NOSDA: Northern Ontario Service Deliverers Association
Integrated Risk Management & Insurance Services
June 13, 2018
Timmins AGM
NOSDA
Management of Risk
Our goal is to introduce an efficient, integrated Risk
Management and Insurance program designed to reflect
NOSDA’s unique exposures and capitalize on the mutually
supportive nature of this organization.
Who is NOSDA?
• NOSDA = Northern Ontario Service
Deliverers Association
• Represents collective interest of 11
municipal organizations
• NOSDA members focus exclusively on:
✓ Housing
✓ Social Services
✓ Emergency medical services
(ambulance & paramedic)
✓ Children’s services
NOSDA Members
Algoma District Services Administration Board
Cochrane District Social Services Administration Board
Kenora District Services Board
Manitoulin-Sudbury District Services Board
District of Nipissing Social Services Administration Board
District of Parry Sound Social Services Administration Board
Rainy River District Social Services Administration Board
District of Sault Ste. Marie Social Services Administration
Board
District of Thunder Bay Social Services Administration
Board
District of Timiskaming Social Services Administration
Board
City of Greater Sudbury
NOSDA’s Role
Northern Ontario - 88% of Ontario’s land mass, 6% of
the population
NOSDA Role:
• Facilitate co-operation between local government
organizations
• Political forum for developing policies and program
delivery that work for Northern Ontario
• Enable joint action to support effective and efficient
delivery of services
Population by Member Area
Region 2016 Population 2011 Population
Algoma 40,726 40,729
Cochrane 79,682 81,122
Greater Sudbury 161,647 160,376
Kenora 65,533 57,607
Manitoulin-Sudbury 34,801 34,244
Nipissing 83,150 84,736
Parry Sound 42,824 42,162
Rainy River 20,110 20,370
Sault Ste Marie 73,368 75,141
Thunder Bay District 146,048 146,057
Timiskaming 32,251 32,634
All Northern Ontario 780,140 775,178
Ontario 13,448,494 12,851,821
Key Facts
NOSDA members…
• Serve ~780,000 people spread over ~310,000 mi2
• Combined annual operating budget of $500M (£280M), 1,200 full-time staff
Housing Social AssistanceChildren’s Services
EmergencyMedical Services
Staffing
complement:210 400 100; 116 operators 339
Sites:12,000 housing
units35 delivery sites
249 licenced
centres
44 ambulance
stations
Other Attributes
+$1B in housing
assets
→ 16,000 Ontario
Works cases
→ 30,000 Ontario
Disability Supports
cases
→ 20,000 child
care spaces
→ 114
ambulances
→ +82,000/year
emergency
medical service
calls
Meeting NOSDA Insurance Needs
**Underwriting Required**
Social Services
Children’s Services
Emergency Medical Services
Housing
Already covered by existing HSC
Program
Coverages
Deductible
$5,000
$10,000
Umbrella Liability $20,000,000 per occurrence
annual aggregate
SIR = $10,000
Commercial
General Liability
$5,000,000
per occurrence
Automobile
All Perils &
Third Party Liability
$5,000,000
per occurrence
Directors & Officers Liability
$5,000,000 per
occurrence
annual aggregate
Equipment Breakdown
$25,000,000
All Risks Property
Blanket POED
Employee Dishonesty
$1,000,000
Counterfeit
$50,000
Depositors’ Forgery
$50,000
Loss In/Out of Premises
$50,000
Errors &
Omissions Liability
$5,000,000
peroccurrence
Deductible $5,000$10,000
Deductible$5,000
$10,000
Deductible
$2,500$5,000
Deductible
$2,500$5,000 Deductible $NIL
Deductible
$5,000
$10,000
Deductible$Nil
Medical
Malpractice
Liability
$5,000,000
per
claim
Excess
Medical
Malpractice
$20,000,000
per claim and
annual
aggregate
SIR = $10,000
Proposed Approach
Supports for NOSDA members
Program Management
Underwriting for Group
You? HSC & Marsh
NOSDA Risk Management Committee
Member communications
Claims Management & Tracking
Ongoing risk finance analysis
Property inspections
Thank you
© 2014 Housing Services Corporation
Brian Laur
Director, Insurance Services