So You Think Your Claims Are Bad?

Confidential - For PCoRP use only

10 Confidential - For PCoRP use only

9 Confidential - For PCoRP use only

8 Confidential - For PCoRP use only

7 Confidential - For PCoRP use only

6 Confidential - For PCoRP use only

5 Confidential - For PCoRP use only

4 Confidential - For PCoRP use only

3 Confidential - For PCoRP use only

2 Confidential - For PCoRP use only

1 Confidential - For PCoRP use only

Runner Ups Confidential - For PCoRP use only

Trends: Causation

Trends: Causation

Trends: Injuries Over 50% of our large loss injuries involve a back injury ($179 Million total) Lumbar (lower) regions account for 50% of back injuries Cervical (neck) regions account for 25% Average large loss when back injury is involved = $560K Brain injuries are the costliest large loss. They average nearly $700K. * Total percentage is over 100% as some injuries involve more than one body part.

Trends: Departments

Trends: Departments

Trends: Departments

The average time to buckle your seat belt: 2.7 seconds1 Trends: Seat Belts CRL has identified 40 large loss WC claims to date that address seat belt utilization within claim reports (i.e. yes or no to seat belt used). 27 (67%) of those cases have reported no seat belt use. Average large loss claim cost when no seat belt used is 32% higher (or approx. $200K higher) than when it is used. The worst loss with no seat belt: $5.25 Million The worst loss with seat belt used: $1.04 Million The average time to buckle your seat belt: 2.7 seconds1 1 http://www.themissouriinjurylawyer.com/2012/01/17/bottom-line-wearing-a-seatbelt-will-keep-you-alive-healthy-and-safe/

Observations: Volunteer Firefighters CRL has 18 large WC losses involving firefighters. 13 (or 72%) of those losses are from volunteers……totaling $11.7 Million in losses. Of those 13 volunteer cases, 10 (or 77%) were caused by motor vehicle accidents.

Trends: Conclusions Emergency Services (Law Enforcement, EMS, Fire) produce the highest frequency and severity of large claims. This is true for all lines of coverage (Auto, GL, WC) Are county pools allocating loss control resources appropriately to these emergency services? Are the right people doing the training? Some loss control activities will be complicated (Emergency Services Policies and Procedures, hiring, etc.), but some are very simple (Seat Belts).

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