[HISTORY: Adopted by the Board of Commissioners of York County:
Art. I, at time of adoption of Code (see Ch. 1, General Provisions,
Art. II); Art. II, 12-31-1996. Amendments noted where applicable.]
A.
To protect the county from financial loss, the county maintains a
fidelity bond by which all employees who handle funds, either cash
or checks, are bonded in the event of either an intentional or unintentional
loss. The bond, in effect, indemnifies the County of York against
all losses.
B.
The loss must be reported in a timely manner to the county's
insurance broker, as required by the provision of the policy.
C.
The company issuing the bond specifically reserves the rights and
defenses available to it for failure to provide timely notice of a
claim.
A.
The county provides general liability and public officials liability
(POL) insurance. POL is sometimes referred to as "errors and omissions
coverage."
B.
General liability covers claims that allege bodily injury, property
damage or personal injury, such as slander and defamation of character.
C.
POL claims primarily involve allegations of civil rights violations
and discrimination but are not limited to these two areas. Most often
POL suits revolve around the issue of due process and, therefore,
provide coverage for any wrongful act.
A.
It is not essential that each elected official, director and/or department
head determine what type of claim he or she may have and under what
coverage it falls.
B.
It is essential that the County of York put the county's insurance
broker on notice of an impending claim, suit, legal action or loss
as soon as it is known.
C.
Most of the county insurance policies are called "claims-made forms"
which cover insured events only if the claim is filed during the policy
term, regardless of when the event took place.
D.
If the claim is reported after the policy has expired, the insuring
company may invoke its right to deny coverage based on untimely notification.
A.
The elected official, director and/or department head shall:
(1)
Review individual records and activities and provide the Risk Manager
with a written summary of each claim or suit now pending against the
elected official, director and/or department head, his or her staff,
his or her department and/or the County of York. The summary should
be brief, providing just enough information to determine the parties
involved, the date of the event and the nature of the claim.
(2)
List the amount of any losses to the County of York and/or any demands
for financial satisfaction from the County of York by the claimant.
B.
All future losses must be reported within three working days after
discovery of the loss.
C.
The Risk Manager will then promptly notify the insurance broker of
the pending actions and determine if additional information will be
required.
D.
If the elected official, director and/or department head is unsure
as to what to report, he or she shall contact the Risk Manager.
[Adopted 12-31-1996]
A.
The County of York shall provide general liability insurance coverage
for volunteers while performing a service for the York County Department
of Parks and Recreation, regardless of location. The coverage provides
for payment of medical bills for a personal injury.
B.
The volunteer shall file a claim by reporting the injury on a Visitor
Injury Report.
This coverage depends upon the identity of the driver of the
vehicle, the owner of the vehicle and the passengers in the vehicle.
A.
County-owned vehicle.
(1)
Employee is the driver or a passenger. Workers' compensation
insurance is always the primary insurer for an injury to an employee
which occurs in the course and scope of his or employment.
(2)
Volunteer is the driver or a passenger. The volunteer's own
personal vehicle insurance is the primary insurer. If there is no
owned vehicle in the volunteer's household, York County's
vehicle insurance policy provides coverage.
B.
Personal vehicle.
(1)
Employee is the driver or a passenger. Workers' compensation
insurance is always the primary insurer for an injury to an employee
which occurs in the course and scope of his or her employment.
(2)
Volunteer is the driver or passenger. The volunteer's own personal
vehicle insurance is the primary insurer. The vehicle owner's
insurance is the secondary insurer, if the volunteer driver or the
volunteer's household has no vehicle insurance.
