Any questions regarding underwriting information or claims should be directed to the appropriate risk group in either the Underwriting Unit or the Claims Unit, respectively.
Risk management is a process for identifying and controlling risks.
Until the mid-1970's, the traditional method of minimizing losses was to transfer risk to a commercial insurance company. Over the years, the State has been pushed toward self-insurance because of increases in insurance premiums and policy cancellations by commercial insurance companies. The best way to insure against loss, however, is through loss prevention and safety programs. Such programs help minimize losses, save money, and most importantly, protect state employees and citizens. State directors, managers, and supervisory personnel should look at their exposure to losses and report such exposures to the Office of Risk Management.