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2016 Pool Claims Overview

 

A new year is upon us, which means it’s the perfect time to review last year’s pool claims—and find ways to make improvements for 2017.

Overall, CIRSA spent approximately 21-million dollars on Property/Casualty and Workers’ Compensation claims in 2016.  Let’s take a closer look at some of the frequent and high dollar losses, and resources available to help reduce these claims in 2017:

Property/Casualty:
Claims from 2016 that involved a member vehicle made up approximately 17% of all property/casualty claims paid totaling approximately 3.3 million dollars.  A few examples of these claims would be; driving on ice and snow, intersection collisions, and backing accidents, which are all preventable with the proper training.  We have a variety of different resources available including, but not limited to:

In 2017, we will be focusing on vehicle related claims through a variety of different training efforts.  In May, we will be conducting three different driving simulator courses around the state and additional details regarding dates, locations, times, and registration will be sent out in the next few months.

We are also seeing an increase in vacant building claims, which have been extremely costly averaging approximately $150,000 per claim.  When the temperature gets too cold the sprinkler lines freeze, crack, and flood the building, which sometimes isn’t noticed for many days or weeks.  Vacant facilities are a target for vandals to break in to steal electric components and copper metal.  To help prevent these types of claims from occurring you must monitor the temperature in your vacant buildings and check facilities regularly to help mitigate frozen pipes from bursting and vandalism.

Workers’ Compensation:
In 2016, more than 50% of all members workers’ compensation claims filed consisted of a strain, sprain, slip, trip or fall accident, cuts, or being struck by a foreign object totaling more than 1-million dollars.  Here are some resources to help keep your employees safe:

As the work force ages, members should focus on implementing a wellness program and emphasize the importance of annual doctor visits to help reduce workers’ compensation injuries.  CIRSA also offers a basic stretching and wellness component, as an add-on, to our back injury prevention course.

Reducing your claims not only benefits your entity, but also the entire pool. We hope this information will help you identify opportunities for improvement, and have a safe and successful 2017.

If you’d like to talk about additional ways to reduce your claims, contact your loss control representative at 800.228.7136.

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