Ordinance on Insurance (Insurance Ordinance BL) (Versicherungsverordnung BL) - Subject Matter

1. This regulation governs the organization and responsibilities for the insurance of risks ("insurance management").

2. The systematic identification, analysis, assessment, management, and monitoring of potentially insurable risks take place within the framework of risk management.

3. The insurance management is periodically reviewed and developed further as needed.

1. This ordinance applies to the government council, the directorates, the state chancellery, the courts, the ombudsman’s office, the financial control office, and the data protection supervisory authority ("cantonal authorities").

1. The purpose of insurance management is to optimize the costs of the coverage concept.

1. Risks are insured based on potential financial impacts in the event of damage and the frequency of damage occurrences (damage potential).

2. Insurable risks with a damage potential of more than CHF 500,000 in individual cases and insurable risks with a cumulative damage potential of more than CHF 500,000 per year are contractually insured with third parties (external insurance).

3. Insurable risks with a lower damage potential are covered by a damage pool (self-insurance).

4. Minor risks with a very low damage potential are not insured.

5. Non-insurable and uninsured risks are managed within the framework of risk and participation management.

6. The monetary limits for risks with lower damage potential as per paragraph 3 and for minor risks as per paragraph 4 are established within the framework of insurance management and communicated to the cantonal authorities.

7. Risks with a statutory insurance obligation are excluded from the coverage concept.

1. Damages under the framework of external insurance are financed as follows, after deducting the contractually agreed performance of the insurer

a. The cantonal authorities pay a deductible per damage.

b. Amounts exceeding the deductible of the cantonal authorities are financed from the damage pool.

2. Damages under the framework of self-insurance are financed from the damage pool, less the deductible of the cantonal authorities.

3. Damages from minor risks are financed by the cantonal authorities.

1. The regulations of risk management apply to the cantonal authorities.

2. The cantonal authorities are responsible for

a. measures for preventing and reducing damage concerning non-insurable and uninsured risks under the responsibility of each respective service;

b. reporting risks and insurance needs to the Finance and Church Directorate for the clarification of insurance coverage;

c. promptly reporting damages to the Finance and Church Directorate.

3. The Finance and Church Directorate is additionally responsible for

a. covering risks in accordance with the coverage concept pursuant to § 4;

b. concluding, amending, and terminating contracts in external insurance and managing the entire insurance portfolio;

c. regulating self-insurance;

d. managing and accumulating a damage pool;

e. regulating the deductibles of cantonal authorities in external and self-insurance;

f. regulating reported damages (claims office);

g. insurance statistics;

h. comprehensive consultation and support of cantonal authorities pursuant to § 2;

i. additional provisions in accordance with this ordinance in a directive.