RFP - RFI - RFQ

CLAIMS AUDITING SERVICES

INTRODUCTION

Introduction The Washington State Transit Insurance Pool (WSTIP or the Pool) intends to contract with a firm or individual for claims audit services. The Pool is requesting proposals from qualified claims auditors who are experienced in the liability field. Your firm is invited to submit a written proposal.

Organizational Overview

The Washington State Transit Insurance Pool is one of many pools currently operating in the State of Washington. WSTIP was established in 1989. Currently, we have 25-Member transit agencies which participate; in one form or another, in the property, liability, or other coverages offered by the Pool. The Pool represents most of the transit agencies in Washington State. Member vehicles travel over 100 million miles a year. The programs/coverages offered by the Pool include General & Auto Liability, All-Risk Property (including auto physical damage), Boiler and Machinery, Employee Fidelity/Crime, Cyber, and Public Officials Liability. The Pool also provides loss prevention and risk management services to our Pool Members. The Pool is governed by a Board of Directors consisting of one Member from each of the 25 agencies and an Executive Committee consisting of eight elected members. The Pool employs a staff of fourteen full-time employees including the positions of Executive Director, Deputy Director, Claims Manager, Claims Specialist 3, Claims Specialist 2 (x2), Claims Specialist 1/Administrative Assistant, Member Services Manager, Senior Accountant, Accounting Specialist, Safety and Risk Advisor, Risk and Training Coordinator, Pool Application Support Specialist, Board Relations, and contracted General Counsel. WSTIP is regulated by the Washington State Risk Manager and audited annually by the Washington State Auditor.

Twenty-five Members of the Pool participate in the general liability coverages offered by the Pool. General liability coverage is first dollar based. Public Officials Liability has a $5,000 deductible. Twenty-two of the 25 Members participate in the property program. Members have deductibles for property coverage ranging from $5,000 to $25,000. WSTIP averages approximately 730 property, liability, and public official claims each year. Currently there are 358 open claims. Forty-five files are in some stage of litigation, which includes six that are in the closing phase of final documentation and invoicing. WSTIP provides subrogation services for members and recovers over $1 million each year.

General Liability/Auto Liability Program. For 2026, WSTIP provides $30,000,000 in liability limits to its member agencies. After WSTIP’s $1.5 million retention, Governmental Entities Mutual (GEM) carries the next $3.5 million, and then $5 million from Safety National, $5 million from Munich Re, and another $5 million from Obsidian in the form of reinsurance; while Starstone has $20-25 million and Allied World covers the last $5 million, both in excess policies. The member agencies have a $5,000 deductible for Public Officials Liability Coverage, first dollar coverage for auto and general liability, and may select a deductible under the all-risk property program.

Most of the liability claims are handled by internal claims staff and seven to ten independent adjusters. WSTIP uses Origami as our electronic claims management system and as our electronic document management system. We are a paper free claims office.