Virginia School Boards Association Hot Topic Conference on School Safety Emerging Risk Management Trends in Virginia
Dec 29, 2015
Virginia School BoardsAssociation
Hot TopicConference on School Safety
Emerging Risk Management Trends in
Virginia
Coverages
• Workers’ Compensation• School Board Errors & Omissions• Loss to Property & Equipment• Loss from Theft and Employee Dishonesty• Auto Liability & Physical Damage• General Liability• Student Accident
– International Coverage
VSBA Pool Membership
$764,251
$2,216,983
$1,598,459
$1,836,103
$2,356,457
$2,659,820 $2,661,433 $2,617,457
$3,029,509
$3,254,361
$3,595,669$3,692,430 $3,708,685
$380,314
$731,398 $674,886
$869,914
$1,246,684 $1,238,620 $1,283,288 $1,224,997$1,144,657
$705,332
$1,023,637
$847,062$975,748
$0
$500,000
$1,000,000
$1,500,000
$2,000,000
$2,500,000
$3,000,000
$3,500,000
$4,000,000
VSBA Auto & Liability Premiums Vs. LossesLosses Valued as of 7/1/2010
Premium Losses
Most Prevalent Types of Fleet Claims
• Fixed/Stationary Objects – 1,373 claims – $2,305,582• Side Swipe Incidents – 831 claims - $1,830,353• Rear End Incidents – 656 claims - $3,065,824• Intersections – 375 claims -$3,476,535• Tail Swings/Lane Changes – 272 – $2,228,293• Head On Collision – 278 claims - $351K• Sudden Stop – 112 claims - $340K• Loading/Unloading – 60 claims – $150K
• Total – 4,107 claims totaling $14,245,073
Loss Control Considerations
• Visible Management Support for Drivers• Communication with Parents• Communication with Law Enforcement• Involve in Training• Behavior Issues• Special Needs Issues
Most Prevalent Types of Liability Claims
• Struck By/Strike – 385 claims – $154K• Outside Falls – 433 claims – $364K• Personal Injury – 197 claims - $436K• Inside Falls – 310 claims - $475K• Sexual Harassment – 8 claims – $127K• Employment Practices – 36 claims – $115K
• Total 1,350 claims totaling $1,672,413
Loss Control Considerations
• Hazard Assessments• Purchase Plenty of Wet Floor Signs• Begin thinking about ice and salt• Playground Safety Issues• Outdoor Classrooms• Employment Practices/Sexual Harassment Training
$1,004,313 $1,028,013 $1,047,341
$1,351,844
$1,516,039 $1,511,005 $1,554,267 $1,506,139
$1,785,019
$2,371,027
$2,984,081$3,045,374
$3,171,707
$598,142
$384,822$491,649
$1,329,235
$1,741,161
$690,036
$2,139,974
$1,266,830
$964,989
$1,399,367$1,460,666
$1,104,769
$1,626,161
$0
$500,000
$1,000,000
$1,500,000
$2,000,000
$2,500,000
$3,000,000
$3,500,000
VSBA Workers' Compensation Premiums Vs. LossesLosses Valued as of 6/1/2010
Premium Losses
Most Prevalent Types of Injuries by Department
• School Nutrition – 905 claims - $2,313,384• Custodial – 559 claims - $1,652,159• Maintenance – 279 claims - $956,880• Instructional – 3368 claims - $5,391,466• Transportation – 418 claims - $1,193,593
• 5,793 claims totaling over $11,000,000 since 1997
Proper Footwear
• Custodial• Food Service Employees
Non Slip Shoes are the best way to prevent slips, trips, and falls in our schools.
Please provide these shoes to:
Do Not Do It!
Provide Teachers with Step Stools and discourage teachers from standing on chairs/desks/tables. Falls cause many serious injuries to teachers in our school systems each year.
Most Prevalent Types of Property Claims
• Ice/Freezing Pipes - $1,600,000• Lightning – 37 claims – $199K• Wind/Hail – 21 claims - $718K• Water – 6 claims – $130K• Theft/Vandalism – 44 claims – $625K• Breakdown – 2 claims - $52K• Fraud – 122claims – $636K
Wins for Everyone
• School Boards• School Board Members• Superintendents• Principals• Department Heads• Teachers, Custodians, Food Service, Maintenance,
Transportation Employees• Students• Excess Insurers• VSBA Risk Management Programs• VSBA