LEADI NG TH E WAY, TH EN AN D NOW

MEMBER REPORT 2016

YEAR S OF C I R SA

35

TABLE OF CONTENTS

5

An equity position that’s held strong

8

Through the years: CIRSA turns 35

9 10 11

14

2016 Board of Directors 15

Reflecting on the past, focused on the future

3

2016 at-a-glance: Staying ahead of member needs

Setting the standard in loss control

4

Rates you can depend on

76

A look at the numbers

Strength and growth, from the beginning to today

From carrier of necessity to carrier of choice

The best team in risk management

12

Decades of dedication to members

13

Looking ahead to what’s next

It’s hard to believe that 2017 marks the 35th anniversary of CIRSA.

Since our first 18 members joined us in 1982, we’ve grown in many ways.

When we started, CIRSA was the only coverage option for municipalities.

Today, there are choices—but over 270 public entities across Colorado trust

us to meet their risk management needs.

You’ve driven us to pave the way and innovate our services, from better

technology and training (like our CIRSA mobile app, online claims system,

and onsite and online safety courses) to continually expanding our

coverages (we added more excess coverage in 2016).

We’re proud to be your insurance provider, and look forward to serving you

for many years to come.

Chris Krall Executive Director

REFLECTING ON THE PAST, FOCUSED ON THE FUTURE

LETTER FROM EXECUTIVE DIRECTOR

3

Whether it’s improved technology, more training resources, or better coverage,

we remain committed to putting you and

your entity first.

2016 AT-A GLANCE: STAYING AHEAD

OF MEMBER NEEDS

New Safety Matters short videosOur Safety Matters videos have always been popular with members, so we created two more. We added Employment Liability and Elected Officials’ Liability to our video library in 2016.

CIRSA mobile app for AndroidNow, you’ve got options. Access our CIRSA mobile app from your Android or iOS device. Report and track hazards, and view safety videos and tips, whether on the job or in the field.

Safety quiz successOnce again, you didn’t disappoint when it came to showing your dedication to safety. Members from 174 entities completed 4,260 safety quizzes in 2016. That’s 64% of all members! Even more impressive? There was an 83% increase in the number of quizzes taken between 2015 and 2016.

Enhancements to our online claims systemWe not only focused on implementing our new Origami system, but also on how we could make it even better. The new custom reports feature helps you identify claims trends and high-claim areas.

Excess coverage renewalsWe met with a lot of reinsurers last year to find the best—and it paid off. CIRSA excess coverage rates for workers’ compensation decreased, and property/casualty stayed the same in 2017.

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5

A LOOK AT THE NUMBERS

CIRSA is built on a strong foundation—

and our solid financial position will continue to

drive us forward.

Operating revenues: 2016 2015

Member contributions earned (net of excess insurance and investment income reinsurance premiums and brokerage commissions of $6,756,472 and $7,555,151 in 2016 and 2015, respectively) $25,507,505 $24,522,524

Total operating revenues 25,507,505 24,522,524

Operating expenses:Losses and loss adjustment expenses 12,799,989 18,739,789General and administrative 8,553,629 8,169,134

Total operating expenses 21,353,618 26,908,923

Operating income (loss) 4,153,887 (2,386,399)

Nonoperating revenue: Net investment income 875,367 942,786

Income (loss) before distributions 5,029,254 (1,443,613)

Distributions and credits to members and withdrawn members (574,075) (734,747)

Increase (decrease) in net position 4,455,179 (2,178,360)

Net position, beginning of year 46,744,357 48,922,717

Net position, end of year $51,199,536 $46,744,357

6

While there are ebbs and flows, our equity position overall has steadily climbed through the years—even as we added new members. Today, we remain strong. Our equity helps

keep our pool rates stable and deliver coverage that meets your needs.

AN EQUITY POSITION THAT’S HELD STRONG

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7

We started with 18 founding members in 1982 and now 83% of Colorado municipalities are members of CIRSA.

Our Property/Casualty and Workers’ Compensation rates have decreased or remained steady over the past four years. And you’ve taken notice—we had a 99.6% renewal in the PC pool and a 100% renewal in the WC pool for 2017.

RATES YOU CAN DEPEND ON

PC Rate Changes 2014-2017 WC Rate Changes 2014-2017

2014 2015 2016 20172014 2015 2016 2017

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en in

volv

ed w

ith C

IRSA

in m

any

capa

citie

s ov

er m

y ye

ars

in lo

cal g

over

nmen

t, an

d I t

ruly

bre

athe

d a

sigh

of r

elie

f kno

win

g th

at a

s a

Dow

ntow

n D

evel

opm

ent A

utho

rity

(DD

A), t

he C

ity o

f Lo

vela

nd c

ould

spo

nsor

us

into

CIR

SA fo

r ins

uran

ce.

The

CIR

SA s

taff

is n

ext t

o no

ne. T

hey

are

extre

mel

y kn

owle

dgea

ble

and

help

ful,

thei

r tra

inin

g pr

ogra

ms

and

acce

ss to

trai

ning

hav

e be

en g

reat

(es

peci

ally

dea

ling

with

vol

unte

er b

oard

s), a

nd if

w

e’ve

had

que

stio

ns a

bout

our

cov

erag

e, li

abili

ty, e

tc. t

hrou

ghou

t th

is p

ast y

ear,

they

’ve

been

righ

t the

re w

ith u

s gu

idin

g us

thro

ugh

it al

l. H

ones

tly, h

avin

g C

IRSA

on

my

side

giv

es m

e gr

eat c

omfo

rt!

– Ja

cque

Wed

ding

-Sco

tt, E

xecu

tive

Dir

ecto

r, Lo

vela

nd D

ownt

own

Dev

elop

men

t Aut

hori

ty

CIR

SA h

as a

pro

ven

track

reco

rd. T

heir

outs

tand

ing

cust

omer

se

rvic

e, e

ffect

ive

man

agem

ent,

risk-

redu

cing

edu

catio

nal p

rogr

ams,

an

d ex

perie

nced

, ded

icat

ed te

am p

rodu

ce re

sults

for i

ts m

embe

rs.

We

appr

ecia

te th

at C

IRSA

sta

ff ta

kes

time

to in

vest

igat

e is

sues

and

of

fer r

esou

rces

to m

inim

ize

risk.

– H

arry

Pat

el, F

inan

ce D

irec

tor,

City

of C

ãnon

City

Mt.

Cre

sted

But

te h

as b

een

a m

embe

r of C

IRSA

for p

rope

rty/

casu

alty

insu

ranc

e fo

r as

long

as

I rem

embe

r. W

e al

so h

ad

wor

kers

’ com

pens

atio

n in

sura

nce

for m

any

year

s, b

ut h

ad to

go

els

ewhe

re d

urin

g th

e 20

08 e

cono

mic

dow

ntur

n. H

owev

er,

the

rate

s sl

owly

gre

w, a

nd a

fter a

few

yea

rs w

e tra

nsiti

oned

bac

k to

CIR

SA.

We’

re e

xtre

mel

y pl

ease

d w

ith th

e co

mm

unic

atio

n an

d tim

ely

serv

ice,

as

wel

l as

the

cost

for t

he T

own.

Whe

n w

e le

ft C

IRSA

, it

was

pur

ely

to re

duce

the

Tow

n’s

expe

nses

. We’

ve a

lway

s be

en

happ

y w

ith C

IRSA

’s s

ervi

ce a

nd lo

ok fo

rwar

d to

con

tinui

ng to

w

ork

toge

ther

into

the

futu

re.

– Jo

e Fi

tzpa

tric

k, T

own

Man

ager

, Tow

n of

Mt.

Cre

sted

But

te

Man

y of

our

mem

bers

hav

e w

orke

d w

ith u

s a

long

tim

e. F

ind

out w

hy

they

join

ed, a

nd h

ear s

ome

of th

eir f

avor

ite m

emor

ies

thro

ugho

ut th

e ye

ars.

We

wan

ted

to w

ork

with

CIR

SA fr

om th

e be

ginn

ing

beca

use

we

wer

e ve

ry in

tere

sted

in th

is n

ew a

ppro

ach

to s

harin

g ris

k. It

had

th

e po

tent

ial t

o sa

ve o

ur c

omm

uniti

es m

oney

, whi

ch c

ould

be

put

tow

ard

serv

ice

deliv

ery.

I w

as o

n th

e C

IRSA

Boa

rd w

hen

the

staf

f w

as re

ally

qui

te s

mal

l, fro

m 1

984

to 1

989.

In th

ese

early

yea

rs, t

he

Boar

d an

d st

aff h

ad m

any

chal

leng

es a

s w

e w

orke

d to

geth

er to

bui

ld

a pr

oduc

t tha

t ser

ved

the

com

mun

ities

but

did

n’t p

rice

out e

ither

the

smal

l tow

ns o

r lar

ge c

ities

. Sta

ff w

as re

ally

terri

fic a

nd s

uppo

rtive

as

we

wor

ked

thro

ugh

tryin

g to

dev

elop

this

new

via

ble

prog

ram

that

m

ade

finan

cial

sen

se a

nd a

chie

ved

the

goal

to p

rovi

de a

dequ

ate

cove

rage

.I a

lso

rem

embe

r how

pos

itive

Tim

Gre

er (

form

er E

xecu

tive

Dire

ctor

) w

as th

at C

IRSA

wou

ld g

row

and

be

succ

essf

ul. T

o de

mon

stra

te th

at

confi

denc

e, h

e w

ent o

ut a

nd g

ot a

per

sona

lized

lice

nse

plat

e th

at

said

“al

l 200

”—m

eani

ng h

e in

tend

ed to

hav

e al

l the

citi

es a

nd to

wns

in

Col

orad

o be

com

e m

embe

rs o

f CIR

SA.

Ove

r the

yea

rs C

IRSA

ha

s co

ntin

ued

to c

hang

e an

d ad

apt t

o gr

owth

and

new

cha

lleng

es

and

the

staf

f exp

ertis

e ha

s co

ntin

ued

to e

xpan

d to

hel

p us

bet

ter

man

age

risk.

– Jo

yce

Hun

t, A

ssis

tant

City

Man

ager

, City

of T

horn

ton

I’ve

wor

ked

with

CIR

SA a

long

tim

e—ov

er 3

0 ye

ars!

I w

as a

t Hol

yoke

w

hen

we

beca

me

inte

rest

ed in

wor

king

with

CIR

SA. T

hey

had

a gr

eat s

taff—

peop

le w

ho c

ame

from

our

tow

ns a

nd c

ities

and

kne

w

wha

t we

wer

e ab

out a

nd w

hat w

e ha

d to

dea

l with

. The

insu

ranc

e w

as ta

ilore

d to

fit u

s. T

he p

rice

was

(an

d st

ill is

) gr

eat,

too.

I rem

embe

r tha

t our

saf

ety

mee

tings

and

the

annu

al m

eetin

g w

ere

alw

ays

held

at t

he G

lend

ale

Fire

Sta

tion

and

wer

e ca

tere

d by

Le

Peep

. Tim

Gre

er to

ld e

very

one

to g

et th

eir d

esse

rt fir

st b

ecau

se

they

had

the

best

des

serts

. Tim

alw

ays

knew

eve

ryon

e’s

nam

e an

d st

ory.

Llo

yd’s

of L

ondo

n w

as o

ur e

xces

s ca

rrier

at t

he ti

me

and

they

w

ould

com

e an

d pr

esen

t at t

he a

nnua

l mee

ting

whi

ch w

as v

ery

impr

essi

ve!

Back

then

our

big

gest

cha

lleng

e w

as a

sm

all m

embe

rshi

p an

d lo

ok

at u

s no

w! T

he o

lder

I ge

t, th

e yo

unge

r the

CIR

SA s

taff

gets

, and

th

ere’

s m

ore

and

mor

e th

at th

ey a

re ta

king

on.

But

the

impo

rtant

th

ing

is C

IRSA

is th

ere

whe

n yo

u ne

ed th

em c

ome

hail,

sno

w, h

igh

wat

er o

r leg

al is

sues

.

– A

llen

Coy

ne, T

own

Man

ager

, Tow

n of

Jul

esbu

rg

BU

ILD

ING

MEM

BER

REL

ATIO

NSH

IPS

THAT

LAS

T

11

EXECUTIVEChris Krall, CSP, ARM, CPCU Executive Director

Mary Beth Brown Executive Assistant

GENERAL COUNSEL/DEPUTY EXECUTIVE DIRECTOR Tami A. Tanoue, J.D.

CLAIMS Mike Wagner, SCLA Claims Manager

Dianne Hall PC Claims Supervisor

Marla Myers WC Claims Supervisor

Trace Fieseler Risk Technology Officer

Susan M. Eisenhoffer Senior PC Claims Representative (Montrose Office)

Nile D. Knez, CCLA Senior PC Claims Representative

Bruce McKenney, SCLA, AIC Senior PC Claims Representative

Anthony Moore Senior Multi-Line Claims Representative

Kevin Pitts Senior WC Claims Examiner

Bethany Ross Senior PC Claims Representative

Craig Stevens Senior PC Claims Representative

Lara Wilber Senior Claims Representative

Rob Forster WC Claims Examiner

Beverly Perry PC Claims Representative

Amanda Longacre Administrative Clerk

Linda Murphy Administrative Clerk

UNDERWRITINGJill Padbury Underwriting Manager

Jessica M. Cowlishaw Senior Underwriting Representative

Debbie Coleman Senior Underwriting Representative

Catherine Wegman Underwriting Representative

Monique Ferguson Administrative Assistant, Underwriting

FINANCE Patrick Priest, CPA, ARM-P Assistant Director/Chief Financial Officer

Marie Stephens Human Resources Coordinator

Jennifer Keller, CPA Accounting Supervisor

Luke Driscoll Accountant

Layla Bussard Accounting Technician

Jo Moeller Administrative Clerk

Meghan Green Accounting Clerk

Christine Parker Receptionist

INFORMATION TECHNOLOGYDavid Beacham Information Technology Manager

Erik Schriewer Senior System Administrator

LOSS CONTROL Greg Barlow, CSP, CET Loss Control Manager

Jay Williamson, CSP, ARM, ALCM, CHCM Loss Control Supervisor

Rory Queenan Training and Development Coordinator

Cristina Barthle, CIH, CSP Senior Loss Control Representative

Larry Cardamone, CSP Senior Loss Control Representative (Montrose Office)

John Colvin, CIH, CSP Senior Loss Control Representative & Industrial Hygienist

Bob Pomeroy, CRM Senior Loss Control Representative

Marji Tribbett Training Specialist I

Channa Chavez Administrative Assistant, Loss Control

MARKETING/MEMBERSHIP SERVICES Courtney Fagan, ARM Marketing Manager

Stephen Dellerba Senior Marketing Representative

Destiny Johnson Administrative Assistant, Marketing

THE BEST TEAM IN RISK MANAGEMENT

12

Mar

ie S

teph

ens

H

uman

Res

ourc

es C

oord

inat

or Y

ears

of s

ervi

ce: 1

Why

CIR

SA?

I spe

nt y

ears

wor

king

with

CIR

SA a

t the

City

of D

uran

go. I

und

erst

and,

app

reci

ate,

an

d va

lue

the

serv

ice

CIR

SA p

rovi

des

our m

embe

rs. M

any

issu

es w

ere

avoi

ded

an

d m

itiga

ted

that

sav

ed th

e C

ity a

lot o

f mon

ey. E

very

one

that

I ha

d co

me

in c

onta

ct

with

whi

le w

ith th

e C

ity w

as e

xtre

mel

y kn

owle

dgea

ble

and

prof

essi

onal

. It w

as tr

uly

a

partn

ersh

ip—

and

I’m h

appy

to s

till b

e pa

rt of

it!

Rob

Fors

ter

Wor

kers

’ Com

pens

atio

n C

laim

s Ex

amin

er Y

ears

of s

ervi

ce: 1

4

Why

CIR

SA?

CIR

SA fo

cuse

s on

put

ting

mem

bers

’ nee

ds fi

rst a

nd o

fferin

g su

ppor

t whe

n it’

s ne

eded

, fro

m s

afet

y tra

inin

g to

cla

ims.

Wor

kers

’ com

pens

atio

n cl

aim

s ca

n be

tric

ky, a

nd I

enjo

y as

sist

ing

inju

red

wor

kers

and

mem

bers

as

they

nav

igat

e th

is s

omet

imes

com

plex

wor

ld.

Jay

Will

iam

son

Lo

ss C

ontro

l Sup

ervi

sor Y

ears

of s

ervi

ce: 2

2

Why

CIR

SA?

I enj

oy w

orki

ng w

ith s

mal

l and

larg

e pu

blic

ent

ities

to h

elp

them

cre

ate

a sa

fer w

orki

ng

envi

ronm

ent.

I’ve

know

n se

vera

l con

tact

s fo

r ove

r 20

year

s, a

nd h

ave

deve

lope

d cl

ose

wor

king

rela

tions

hips

with

them

and

thei

r sta

ff. W

ithin

CIR

SA, f

ello

w e

mpl

oyee

s ar

e

delig

htfu

l to

wor

k w

ith. A

s a

long

-term

em

ploy

ee, I

’ve

seen

man

y ch

ange

s. I’

ve a

lso

seen

ho

w re

spec

ted

CIR

SA is

by

othe

r org

aniz

atio

ns fo

r our

inno

vativ

e id

eas

and

prog

ram

s.

I’m p

roud

to b

e pa

rt of

the

team

.

Sue

Eise

nhof

fer

Seni

or P

rope

rty/C

asua

lty C

laim

s Re

pres

enta

tive

Year

s of

ser

vice

: 19

Why

CIR

SA?

CIR

SA is

a g

reat

pla

ce to

wor

k. T

hey

care

abo

ut th

eir m

embe

rs a

nd th

eir e

mpl

oyee

s.

I enj

oy g

ettin

g ou

t and

see

ing

our m

embe

rs a

nd w

orki

ng w

ith th

em o

n cl

aim

s. T

he fa

ce-

to-fa

ce ti

me

build

s a

bette

r rel

atio

nshi

p. T

here

are

als

o st

rong

rela

tions

hips

am

ong

the

diffe

rent

dep

artm

ents

her

e. T

here

’s c

amar

ader

ie in

all

of u

s w

orki

ng to

war

d ta

king

car

e

of o

ur m

embe

rs.

Deb

bie

Col

eman

Se

nior

Und

erw

ritin

g Re

pres

enta

tive

Year

s of

ser

vice

: 1

Why

CIR

SA?

I wor

ked

with

Jill

Pad

bury

at a

diff

eren

t org

aniz

atio

n, a

nd s

he th

ough

t my

expe

rienc

e w

ould

be

a g

ood

fit fo

r CIR

SA. A

fter 3

5 ye

ars

in th

e in

sura

nce

indu

stry

, I w

as lo

okin

g fo

rwar

d to

le

arni

ng a

bout

insu

ranc

e po

ols

and

mun

icip

ality

insu

ranc

e, a

nd h

ow it

diff

ers

from

the

cove

rage

s I h

ave

unde

rwrit

ten

in th

e pa

st.

CIR

SA g

ives

me

a go

od o

ppor

tuni

ty to

exp

and

my

unde

rwrit

ing

know

ledg

e re

gard

ing

mun

icip

aliti

es. I

n th

e pa

st y

ear,

I’ve

real

ly e

njoy

ed m

eetin

g an

d ge

tting

to k

now

my

mem

bers

and

hel

ping

them

with

thei

r ins

uran

ce a

nd u

nder

writ

ing

need

s.

DEC

ADES

OF

DED

ICAT

ION

TO

MEM

BER

S

CIR

SA h

as b

een

serv

ing

your

nee

ds fo

r dec

ades

—

and

so h

ave

our e

mpl

oyee

s. G

et to

kno

w a

few

of o

ur v

eter

an s

taff,

as

wel

l as

our n

ewes

t mem

bers

of t

he te

am.

13

While we’re taking time to celebrate CIRSA’s successes through the years,

we’re more focused than ever on making the future even brighter.

We’re continuing to move forward with our five-year strategic plan. In 2016,

we implemented and improved our online claims system, added more

excess coverage (while keeping rates stable), and offered more training.

In 2017, we’ll be providing additional coverage enhancements and

conducting an independent study of our equity position. We’re constantly

working to remain financially stable, identify emerging risk, and provide you

with excellent customer service.

Thank you for being our partner, whether you’re new to CIRSA or have been

with us since the beginning. We can’t wait to start the next chapter together.

Yours in Safety,

Martee Erichson

Chairperson

LOOKING AHEAD TO

WHAT’S NEXT

14

LETTER FROM BOARD CHAIRPERSON

2016 BOARD OF DIRECTORS

Back Row Standing Front Row Seated

Houssin Hourieh Secretary/Treasurer City of Lamar

Chris Krall Executive Director CIRSA

Gary Klaphake Board Member City of Lafayette

Rod Wensing Board Member City of Loveland

Jeff Durbin Board Member Town of Fraser

Cynthia Sirochman Board Member Town of Monument

Martee Erichson Chairperson City of Westminster

Ron LeBlanc Vice Chairperson City of Durango

Ready to meet your risk management needs for the next 35 years—and beyond

15