Many accidents and claims involve losses in several risk areas. Personal property risks include motorized equipment, supplies and movable capital items such as desks, chairs, typewriters, and tools. Dishonest acts of state employees or private citizens may result in burglary, robbery, or embezzlement. In addition to cash, other items that may be stolen include incoming checks, valuable papers, securities, furniture, office equipment, supplies, and tools. This risk is often overlooked.
Many state agencies operate revenue-producing facilities.
Stadiums, gymnasiums, dormitories, and fairgrounds are examples. If these facilities are destroyed or damaged, there may be a significant loss of income. Increased costs might include the cost of cleaning up or repairing damaged property, training replacements, overtime, extra supervision, reports, and clerical time. The risk of liability claims resulting from injuries to persons and damage to their property is one of the most serious loss exposures faced by the state. State employees who are injured are covered by Worker's Compensation.