Manager Insurance

Risk Management Executive able to communicate and collaborate with

stakeholders at all levels and build consensus and engage with diverse

groups to control costs. Extensive consulting experience with a proven

ability to design strategies that reduce liability and risk, and save

dollars for public and private entities. Accomplishments:

. Decreased liability 97% by identifying exposure and creating risk

reduction strategies.

. Reduced exposure up to 35% by developing and delivering comprehensive

safety and wellness programs.

. Negotiate favorable agreements with underwriters, insurance brokers and

risk sub-contractors.

. Work productively with numerous stakeholders, including clients,

councils and Boards.

Capabilities that Reduce Risk across the Enterprise

. Strategic Planning

. Contract Administration

. Carrier Negotiations

. Auditing

. Insurance and Underwriting

. Employee Assistance Plans

. Claims Management

. Workplace Safety Programs

. Innovative Risk Solutions

. Loss Control

. Risk Pool Management

. Prevention Management

. Investment Portfolios

. Disability Management

. Finance and Budgeting

. Protecting Organizations through Risk Management

Heppner Risk Management Services, Inc., San Leandro, CA - Custom risk

management solutions company providing pool administration, enterprise risk

management, claims oversight, loss control and financial management

services for clients, including cities, public agencies, nonprofit and

commercial enterprises. Worked with four boards of directors at one time.

Held full P&L responsibility for capital and operating budgets for company.

Held budgetary P&L for all consulting projects.

Started company to provide risk and insurance solutions, including cost

effective self-insurance pools.

President / Senior Consultant Current

Initiated and manage numerous self-insurance risk pools. Design, implement

and annual improved safety and loss-control programs leveraging client

employee assistance programs for high risk operations. Designed and managed

workers' compensation, liability and property programs. Direct day-to-day

operations of insurance pools. Evaluated complex insurance contract

requirements, indemnification, set standard procedures and an annual follow-

up system for insurance documents for cities of Corte Madera, Larkspur,

Mill Valley, Novato and Sausalito. Directed up to 20 subcontractors at any

given time, often forming risk teams for specific assignments.

. Designed and implemented 2 risk pools for California housing authorities

pools (BAHARMA and CHARMA) and created highly successful safety programs

that reduced risk exposure by up to 35%. Formed Orange County Cities Risk

Management Authority (OCCRMA) placing the first insurance policies.

. Designed a nonprofit mutual insurance company for an Association. The

insurance company is now a leading insurer for nonprofit corporations

nationwide.

. Created annual safety recognition program that rewards safety

achievements for two pools and with presentations at city council

meetings and annual Board meetings. Played a key role in developing

public agency pool accreditation standards for state organization

(CAJPA), the accreditation process is still available today.

. Bought and published highly successful Smart's Insurance Bulletin for 8

years with a subscribership of 2,500, expanding the readership to include

public and corporate risk managers and self-insurance pools.

. Designed a Municipal Fire Insurance Program that the City Council

approved in principle. It was later tabled when major insurance companies

reduced fire and homeowner rates in Marin County. The savings were

estimated at $2M equal to the 1979 budget for the Fire Department.

Selected engagements:

Contract Risk and Safety Manager, Town of Corte Madera, CA 1998 -

present

Work with business unit leaders to reduce risk exposures and upgraded risk

subcontractors as needed. Play key role in delivering employee assistance

program blending safety and management issues. Initiated risk management

best practices. Managed risk management service vendors. Introduced

alternative funding techniques for property, casualty and workers

compensation insurance. Analyze financial information to include actuarial

studies, P&C claims and pool/agencies exposure data. Reports to Town

Manager and Finance Director.

. Achieved 97% reduction in workers' compensation claim costs by managing

liability, directing claims administrators, and providing safety and good

practices hands-on training for specific departments.

. Enhanced corporate culture with interactive EAP workshops.

What Darrell brings to the table is the real world knowledge of how

insurance and risk management really work on a day-to-day basis. - Contract

City Attorney for Marin and Sonoma Counties Public Agencies.

Pool Administrator / Enterprise Risk Manager, Marin Cities Risk Management

Pool 1977 - 2005

Pioneered self-insurance programs as alternative to traditional insurance.

Oversaw public agency's insurance and risk management by identifying,

qualifying, controlling and monitoring insurance related exposures along

with maintaining working relationships with insurance brokers and

underwriters. Negotiated insurance programs, oversaw claims administration,

and protected municipal pools and cities from potential exposure. Maximized

improvements in program based on cost and protection for cities of 800

employees.

. Saved members more than $14M in comparison to traditional insurance

rates. Merged client into a larger pool to reduce rates. Grew pool from 6

to 14 members and created custom programs for fire, police and public

works.

. Expanded coverage options to include employment liability, auto and

property liability, and workers' compensation coverage plus dental

program.

. Initiated safety and wellness programs as well as special programs

leveraging employee assistance program benefits, including custom on-site

workshops.

He is very innovative and at the same time understands the practical

results of his recommendations.

- Retired City Manager of Larkspur and ex-Chairman of the Marin Cities

Pools.

Interim Risk Manager, Escondido, CA 1992 and 1995

Called upon twice by City Manager, formerly Marin Chairman Insurance Pool,

to step in as Risk Manager until a permanent RM could be found for city of

675 employees. Trained permanent RM and accepted calls for several years as

questions arose.

. Brought in auditors to check liability and workers' compensation program

and actuarial subcontractor to be sure everything was in compliance.

Attended self-insurance pool meetings, worked with insurance broker, and

met regularly with City Attorney, Finance Director and Human Resources

Director.

Pool Administrator / Risk Manager, Fire District Pool 1986 - 2003

In year three retrofitted statewide self-insured workers' compensation

program for fire districts. Developed strategies to mitigate risks and

limit liability. Developed and implemented environmental, occupational,

health and safety program enterprise-wide. Prepared annual municipal pool

insurance budget, self-insurance budget and individual members'

allocations, including workers' compensation, liability and property, and

three-year planning.

. Grew program membership, starting with 20 member agencies and expanded it

to 245 member agencies, going from $500K annual premiums to $7M.

. Provided innovative services, including a hotline for advice on labor

codes and employment law.

. Pioneered pool risk management approach in California, analyzing client

needs and creating innovative safety and risk management programs that

saved $8M for the fire districts over traditional insurance rates.

Previous positions held: William Mathews Insurance Agency - General

Manager, Operations Manager and Account Executive; Frank B. Hall Insurance

Broker - Account Executive and Risk Management Team member.

Education, Licensure and Professional Training

Bachelor of Arts in Sociology, University of California at Berkeley

California Insurance Broker License

Graduate Insurance and Risk Management Coursework: Golden Gate College

Technology Skills - Microsoft Office Suite, Apple and PC, Apple Software,

SmartPhone

Professional Affiliations

Risk and Insurance Management Society (RIMS)

Safety Management Society (SMS)

California Association of Joint Powers Authorities (CAJPA)

Public Agency Risk Management Association (PARMA)

Public Risk and Insurance Association (PRIMA)

California Chamber of Commerce

California Manufacturers Association

Preventing Problems Before They Happen

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