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CRL Underwriting / Claims Management MeetingRisk Control Roundtable
NOVEMBER 16, 2011
Thomas HilgenSVP, Workforce Strategies
Charlotte, NC
2MARSH
Risk Control Roundtable
• What are you currently doing?
• How are you staffed?
• How do you integrate Risk Control and Underwriting?
3MARSH
Pre-Employment
• Job descriptions
• Physical job demands screening
• Workplace safety & health policies
Employment
• Hiring practices
• Pre-placement screening
• Drug-screening / testing
• Criminal background checks
Training
• Employee orientation
• Safety training programs
Workplace Safety
• Safety committees
• Safety & health activities
• Ergonomics
• Slip/Fall Prevention
• Motor Vehicle
Post-Accident
• Medical response
• Selection of medical providers
• Post-accident communication with employees
Cost Containment
• Claims mgmt performance stds.
• Direct Medical care to assigned provider
• No supplementing workers’ comp
Return-to-Work
• Physical capability assessment
• Workplace accommodations
• Transitional duty assignments
Continuous Improvement
• Performance measurements
• Safety & health audits
• Cost allocation
Work-Related Incident
• Prompt reporting
• Accident investigation
Pre-Loss Activities Post-Loss Activities
The Loss Continuum
4MARSH
The Effect of a Formalized and Effective Return-to-Work Process
964 1010781
1354905
2028
1536 1475
436199
0
500
1000
1500
2000
2500
2008 2009 2010 2011 2012
Citywide Restricted Duty and Lost Time
Restricted Days Lost Days
Restricted Duty and Lost Time
5MARSH
Risk Control Strategies Model
VOICE OF THETAXPAYER SERVICE
EFFICIENCYPRIDE
Pre
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yee
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Po
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Mg
mt
LeadershipLeadership Focus, Direction & ParticipationFocus, Direction & Participation
Continuous ImprovementContinuous Improvement
Safety Policy Safety Policy Strategic PlanStrategic Plan
Serving Serving CitizensCitizens
Efficient WorkplaceEfficient Workplace
Management Leadership Communications Employee Involvement
Performance MeasuresErgonomics Process Education & Training
ROI FocusROI Focus
VOICE OF THETAXPAYER SERVICE
EFFICIENCYPRIDE
VOICE OF THETAXPAYER SERVICE
EFFICIENCYPRIDE
Pre
Pre
-- Lo
ss M
gm
tL
oss
Mg
mt
Co
mm
un
icat
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sC
om
mu
nic
atio
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Ac
cou
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bili
tyA
cco
un
tab
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Em
plo
yee
Em
plo
yee
En
gag
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tE
ng
agem
ent
Po
stP
ost
-- Lo
ss M
gm
tL
oss
Mg
mt
LeadershipLeadership Focus, Direction & ParticipationFocus, Direction & Participation
Continuous ImprovementContinuous Improvement
Safety Policy Safety Policy Strategic PlanStrategic Plan
Serving Serving CitizensCitizens
Efficient WorkplaceEfficient Workplace
Management Leadership Communications Employee Involvement
Performance MeasuresErgonomics Process Education & Training
ROI FocusROI Focus
6MARSH
ROI-Based Focus
FALL, S
LIP, T
RIP
OVEREXERTION
VEHICLE ACCIDENT
GUNSHOT
STRUCK BY OBJE
CT
FALL FROM HEIGHT
FIGHT
PHYSICAL F
ITNESS EVAL.
PoliceUtilitySolid WasteFireTransportation
AviationCATSEPM
7MARSH
Survey Results: Question 1
What is the most important loss control issue facing your pool today?
• Law enforcement jail operations
• Lack of funds by county government
• Automobile accidents
• Developing a system to aid Sheriffs in reducing the frequency and severity of law enforcement vehicle crashes & collisions
• Law Enforcement Altercations (both for imprisoned and arrestees)
• Automobile liability claims, medical care of inmates
• Getting the participants to buy into the program and take Loss control recommendations seriously
• Exposure for county jails, followed by sheriff's department (GL and comp)
• Inmate claims
8MARSH
Survey Results: Question 2
What are you doing to address this issue?
• Model policies and procedures, hired law enforcement specialist, law helpline; regional seminars
• Implementing risk management programs that provide financial assistance to counties
• We have 5 National safety Council Driving instructors teaching various defensive driving courses. We use a driving simulator as training as well. We just added this year a law enforcement defensive driving pursuit class.
• We are at the beginning stages of this initiative. The first stage is an increase in the awareness level for our sheriffs as to the issues related to operating a law enforcement vehicle.
• Enhanced training
• Driver training and investment in driving simulators
• Considering hiring a vendor to develop and maintain statewide jail policies and procedures
9MARSH
Survey Results: Question 2
What are you doing to address this issue?
• Two years ago we started improving our current loss control program by putting some teeth into it. Last year we implemented a new safety dividend model that is more loss sensitive to reward and encourage good behavior. This year we implemented a Safety Incentive Discount Program to encourage members to improve their safety efforts by implementing basic standards and training. We have also made our members more aware of their losses due to little or no loss prevention.
• We have five full-time loss prevention specialists working to reduce exposures and train and educate county employees. We have a detention expert, attorney, safety specialist, and law enforcement expert on staff. Our pool board appropriated $295,000 for specialized detention training--we have had several excellent sessions with the National Institute of Corrections and the AJA. We have instituted a detention and sheriff accreditation program, and have adopted state-wide standards for detention centers. Almost 2/3 of our member counties are involved in our RAP (risk awareness program), a 50-week specialized training program for county government. We also have a workers' comp injury reduction incentive program, under which counties will receive monetary awards for those that have the highest percentage of reduction of comp claims.
10MARSH
Survey Results: Question 3
What are you doing to address this issue?
• Seeing improved policies and operations, too early to see impact on losses
• We believe it is to a limited degree.
• Yes. We have added several new members in the past few years and Claims frequency is remaining flat.
• Gaining some momentum - Four sheriffs have expressed an interest in defensive driver training for their deputies
• Too early for us to tell
• We think and hope so
• We are seeing some positive results, but more needs to be done
• We have been seeing a reduction in the number and the severity of claims
• Has worked in other states
11MARSH
Survey Results: Question 4
Do you use hired or contracted staff for loss control?
• Hired staff
• Hired for the most part, occasionally outside
• We have 5 loss control staff
• Hired - staff of three regional specialists, loss control manager, 1/2 time resource/admin specialist
• Both
• Contracted
• We use full-time employees, and occasionally contract with outside vendors
• In house staff
12MARSH
Survey Results: Question 5
Approximately what percent of premium do you spend on loss control?
• Auto 0.8%, 1.2%, 55%, 2.7%, 0.28%, 10%, 1%
• General Liability 0.35%, 1.6%, 3.3%, 2.3%, 0.88%, 10%, 0.5%
• Law Enforcement/Jail Operations 0.8%, 2.4%, 10%, 0.03%, 0.35%, 60%, 2%
• Public Officials Liability 0.8%, 2.4%, 3.3%, 0%, 0.01%, 15%,1%
• Property .53%, 0.4%, 3.3%, 0.07%, 5%, 2%
• Total: 3.28%, 8%,1.53%, 1.6%, 1.5%
13MARSH
Open Discussion
• What do we need most help with?
• What top 5 loss control issues should we focus on?
• Considerations:– Maximum ROI– Drive the desired behaviors
VOICE OF THETAXPAYER SERVICE
EFFICIENCYPRIDE
Pre
Pre
-- Lo
ss M
gm
tL
oss
Mg
mt
Co
mm
un
icat
ion
sC
om
mu
nic
atio
ns
Ac
cou
nta
bili
tyA
cco
un
tab
ility
Em
plo
yee
Em
plo
yee
En
gag
emen
tE
ng
agem
ent
Po
stP
ost
-- Lo
ss M
gm
tL
oss
Mg
mt
LeadershipLeadership Focus, Direction & ParticipationFocus, Direction & Participation
Continuous ImprovementContinuous Improvement
Safety Policy Safety Policy Strategic PlanStrategic Plan
Serving Serving CitizensCitizens
Efficient WorkplaceEfficient Workplace
Management Leadership Communications Employee Involvement
Performance MeasuresErgonomics Process Education & Training
ROI FocusROI Focus
VOICE OF THETAXPAYER SERVICE
EFFICIENCYPRIDE
VOICE OF THETAXPAYER SERVICE
EFFICIENCYPRIDE
Pre
Pre
-- Lo
ss M
gm
tL
oss
Mg
mt
Co
mm
un
icat
ion
sC
om
mu
nic
atio
ns
Ac
cou
nta
bili
tyA
cco
un
tab
ility
Em
plo
yee
Em
plo
yee
En
gag
emen
tE
ng
agem
ent
Po
stP
ost
-- Lo
ss M
gm
tL
oss
Mg
mt
LeadershipLeadership Focus, Direction & ParticipationFocus, Direction & Participation
Continuous ImprovementContinuous Improvement
Safety Policy Safety Policy Strategic PlanStrategic Plan
Serving Serving CitizensCitizens
Efficient WorkplaceEfficient Workplace
Management Leadership Communications Employee Involvement
Performance MeasuresErgonomics Process Education & Training
ROI FocusROI Focus
14MARSH
Top 5 Public Entity ROI-Based Risk Control Initiatives
• Performance Measurement
• Accountability
• Communications
• Training & Feedback
• Tools & Equipment
15MARSH
Evolution of the Safety Process
SiteSafety/Ergo
Activities
OSHACompliance
ExperienceDriven
OSHAIncident
Rate
ProductionQuality
Effect on tax rate
StrategicBudget
Video,Coffee &
Doughnuts
NoMetrics
Audit/ScorecardResults
LossRuns
Methods
Metrics
Where are you… on your safety journey?