Professional Documents
Culture Documents
On Loss Control
Rebecca Ward
Marketing Writer
(303) 219-7802
rward@kpaonline.com
Presenter
Zach Pucillo
Risk Management Consultant
(317) 201-2335
zpucillo@kpaonline.com
Questions?
Questions will be
answered at the end of
the webinar
Agenda
Direct Costs
Medical Expenses
Workers Compensation Paid
__________________________________
Indirect Costs
Lost Productivity
Losses Due to Productivity Morale
Time Spent Due to Attention of Emergency
Damage to Tools, Equipment, Property
Losses Due to Return to Work
Lost Time on Idle Machines
Customer Losses Due to Time
Loss Time Spent Investigating the Cause
The Bottom Line*
½ - Compensation Payment
¼ - Medical Care
¼ - Admin and for Safety, Legal, Health
Services provided by Insurers
The Bottom Line
Types of Insurance
• State Operated – We all pay in
• Ohio BWC
• Premium
• Private Policies
• Relies on insurance company
• Premium
• Self Insured – We pay for it
• Self Reserve
The Bottom Line
Premiums
• Calculation: Set Unit Dollars per $100 of
payroll
Manual Rate
• Dealership Technician Manual Rate $2.90
per $100 of payroll
Experience Modifier
Credible Actual Primary Loss + Credible Actual Excess Loss
Expected Loss
The Bottom Line
• Risk Identification
• Risk Analysis
• Reducing or Eliminating Risk
• Financing Risk
• Administering the Risk Management Process
Risk Management*
Risk Identification
• What are we risking?
• Employee injuries
• Employee health
• The possibility of citations
• Financial losses
• Reputation losses
Risk Management*
Financing Risk
• Some Risks will require money invested
to eliminate the risk
• Ex: Aluminum Work in Body Shops
• Aluminum repair means you accept risk
• Risk cannot be eliminated so it must be
reduced
Risk Management*
• C x E x P = R = 450
Accident Investigation*
• Accidents vs Incidents
• Accidents – An unexpected, unforeseen, or
unintended single or multiple event sequence that
is caused by unsafe acts, unsafe conditions, or
both and may result in immediate or delayed
undesirable effects.
• Accidents
• Human error
• Unawareness
• No common sense
• Stupidity
Accident Investigation
• Unsafe Acts
• Unsafe Conditions
Accident Investigation*
H W Henrich
• Assistant Superintendent of the Engineering
and Inspection Division of Travelers
Insurance Company
• Industrial Accident Prevention, A Scientific
Approach -1931
• Behavior-based safety
Accident Investigation*
Henrich 88:10:2
• In house inspections
• Collect a group
• Come up with a check list
• Set a time and date
Prevention
Safety Committees
• Top level of management
• Members from every department
• Produce incentives for participating
Prevention
Employee Education
• Formal Training
• Shop Talks
Prevention
Programs
• Establish the written rules
• Top level commitment
• Lead point persons
• Sustain, Sustain, Sustain
KPA study
• ROI of Safety
• Sampled Mod Rates in FL and CA
• After 3 years of KPA service Ex Mod dropped
from 1.01 to .90
http://www.kpaonline.com/solutions/safety/safet
yroi
References