Here are three scenarios in which the risk manager should identify and pursue subrogation opportunities:

An employee suffers an on-the-job electrocution, due to a defect in a hand tool manufactured by XYZ Corp. The indemnity reserve for lost time is $20,000, and the medical expense reserve is $50,000.

A company salesman is traveling on business. While on a sales call, his company vehicle is rear-ended by another driver. The salesman is uninjured, but the car has $7,500 in damage.

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