Program - #72006 - Property & Liability Risk Management Program FY 2026 Department Requested

Sep 4, 2026

Property and Liability Risk Management Program FY 2026 provides countywide insurance procurement and risk control across property, marine, crime, excess liability, excess medical malpractice, bonds, and specialized coverage. Where insurance is unavailable or cost-prohibitive, the county self-funds eligible losses. The program recommends coverage types and limits, develops loss-prevention policies, manages subrogation for third-party recovery, and oversees third-party administrators for general liability claims, while the County Attorney supports litigation and major settlements.

LanguageEnglish

CategoryResearch & Report

FormatPDF

Pages2

Reading Time5 min

AccessFree to download

Program Overview

Program Description

Performance Measures

Legal / Contractual Obligation

Revenue/Expense Detail

Program Changes

Program \#72006-FRM Property & Liability Risk Management Program FY 2026 Department Requested Department: County Management Program Contact: Michelle Cross Program Offer Type: Operating Program Offer Stage: Department Requested Related Programs: Program Characteristics: Program Description The Property and Liability Risk Management Program (P&LRP) purchases property insurance, marine coverage, crime coverage, excess liability, excess medical malpractice coverage, bonds, and other specialized insurance coverage for the County. Where the cost of insurance prohibits purchase or coverage is not available, we self fund losses. With the focus on equity and risk tolerance, transfer and control, the P&LRP recommends the types/limits of insurance for contracts, recommends the purchase of specialized insurance and develops countywide policies and procedures related to loss prevention and control. The P&LRP designs and implements risk management strategies for the prevention of risk exposure and property and liability loss countywide. The P&LRP initiates subrogation efforts when indicated and works to achieve maximum reimbursements from third parties and distributes those reimbursements back to program that incurred the loss. The program adjusts property loss claims, and oversees the Third Party Administrator contracted to process general liability insurance claims for the County. Litigation and large general liability insurance claims are settled with expertise from the County Attorney's Office. The County chooses to self-insure (retain a certain amount of financial exposure to loss) and purchases property and excess liability coverage for large property and liability related claims. This decision controls the loss adjustment process, minimizes our "total cost of risk" (uninsured claims costs + insurance costs + administrative costs), and motivates internal loss control behavior. A department's internal property and liability allocated charges are based on their past losses using actuarial data and historical loss data to determine cost percentage rates based on anticipated future losses. This process allows for equitable distribution of financial losses. | Performance Measures | | | | | | | --- | --- | --- | --- | --- | --- | | Measure Type | Performance Measure | FY24 Actual | FY25 Budgeted | FY25 Estimate | FY26 Target | | Output | Number of policies for insured risks and statuary bond purchased/renewed* | 20 | 19 | 21 | 22 | | Outcome | Resolve and optimize reimbursements for insured loss** | N/A | 1 | 1 | 1 | Performance Measures Descriptions *Appropriate types of insurance coverage indicate strong safeguarding of the county's assets. **Maximize reimbursable for insured damage repair due to 2020 protests (0-Not Met, 1-Goal Met) One more loss pending reimbursement prior to closing file Legal / Contractual Obligation The Property & Liability Risk Program is mandated by County Code 7.100-7.104. The County is required by the State to have specific insurance and bond coverage. The County is self-insured for third-party liability in accordance with the provisions of the Oregon Tort Claims Act, ORS 30.270 and purchases Excess General Liability insurance above the selfinsured retention of $1,000,000 . The required Public Official Bonds, DEQ Bonds, and Pharmacy Bond are purchased in accordance with State requirements. Revenue/Expense Detail | | Adopted
General Fund | Adopted
Other Funds | Department
Requested
General Fund | Department
Requested
Other Funds | | --- | --- | --- | --- | --- | | Program Expenses | 2025 | 2025 | 2026 | 2026 | | Personnel | $0 | $580,823 | $0 | $662,810 | | Contractual Services | $0 | $330,982 | $0 | $319,800 | | Materials & Supplies | $0 | $7,097,435 | $0 | $7,808,405 | | Total GF/non-GF | $0 | $8,009,240 | $0 | $8,791,015 | | Program Total: | $8,009,240 | | $8,791,015 | | | Program FTE | 0.00 | 3.00 | 0.00 | 3.25 | | Program Revenues | | | | | | ---

FAQs

What insurance and risk management activities does the Property and Liability Risk Management Program cover?

The program purchases property, marine, crime, excess liability, excess medical malpractice coverage, bonds, and other specialized insurance. It also develops policies for loss prevention and control, and designs risk management strategies to reduce exposure across the county.

When does the county self-fund losses?

When the cost of insurance prohibits purchase or when coverage is not available, the county self-funds losses. The program also includes self-insurance retained for third-party liability under applicable statutory provisions.

How are reimbursements and recoveries handled?

The program initiates subrogation efforts when indicated to maximize reimbursements from third parties. It also distributes recovered amounts back to the program that incurred the loss using established allocation procedures.

Sep 4, 2026

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