1. Diane R. Adams, AAGR-Farmers Administrative Agent Safety Meeting 2015

2. AAGR Contacts Diane Adams, Farmers Administrative Agent Association of All Great Retailers Association of All Great Retailer Contacts: Jonathan Kennelly, Association Manager (Ext. 200) Susan England, Claims Contact (Ext. 201) Richard Wolf, Membership (Ext. 205) John Parker, Loss Control Consultant We are easy to reach : (800) 488-3692 info@california-retailers.com www.california-retailers.com

3. What is AAGR?  The Association for All Great Retailers (AAGR) is a Workers Compensation program underwritten by Farmers Insurance Group exclusively for Farmers AGENTS and their Farmers retail customers.  AAGR provides:  Safety E-newsletter  Workers Comp Discount  Website with safety information and retail news  Individualized safety plan for your business  Claims support

4. Publication for Policy Holders

5. www.california-retailers.com Home page Retail news and resources updated regularly Safety E-Newsletters Facebook information All information updated regularly so check back often

6. Retailer Safety

7. Virtual Claims Kit

8. Enrollment & Renewal Online enrollment and renewal with credit card payment available.

9. AAGR CASE STUDY Association of All Great Retailers

10. Case Study  The deli manager at a market slipped on July 6, 2011, but employer did not report claim.  Another incident occurred later, on December 2, 2011. Employee was in the freezer at work when a box of frozen turkeys fell on her.

11. Case Study  The owner advised employee to seek treatment on her own and apply for State Disability before filing for work comp. Employee pursued treatment with her personal doctor and never returned to work. Owner promised that he would pay for her back treatment but never did.  The owner never reported this claim until the following May. At that point, he said the employee is overweight and he believes she had prior back problems before the start of her employment.

12. Case Study  Delays in reporting claims result in inadequate medical care, the medical conditions often get worse, and the employee feels helpless. This claim currently has paid/reserves totaling $222,542.

13. Case Study: Bottom Line Claims need to be reported on a timely basis.  If an employee says they are hurt on the job, then management should assess the injury. If medical help is needed, then management should ask the employee if they’d like to get treatment (if they refuse, you can’t make them go). For non-emergencies, employees should go to a clinic within the MPN (Medical Provider Network).  Also, it is recommended to have a member of management take the employee there, as it shows compassion and empathy, plus you’ll know what actually occurred at the clinic.

14. Case Study: Bottom Line  Treating your employee's with compassion and empathy is good people management (and they’ll be less likely to look for an attorney). Additionally, bringing injured workers back on Early Return to Work is recommended whenever possible, as it gets the employee feeling productive again, speeds healing, earns them income, and ultimately reduces the overall cost of the claim.  Treat your workers like you would want to be treated.

15. LOSS CONTROL Association of All Great Retailers

16. Slip and Falls Are your floors kept clean and dry?

17. Slip and Falls Are your mats overlapping each other (or not butted up to each other?)

18. Slip and Falls This is an example of better flooring material that would reduce slips and falls.

19. Severity of claims

20. Frequency by Type

21. MySafetyPoint.com MySafetyPoint.com is an exclusive safety resource portal tailored to fit your business needs.  Over 400 safety documents  200 safety videos  300 government agency or organizational references  Breaking industry news, safety material and documents and loss statistics

22. We are Here to Support You  After you file a Workers Comp claim please contact us at ( 800) 488-3692.  If we know about your claim, we can follow it through the process.  As a Safety Association, we can help you with tools to help prevent future claims.  www.california-retailers.com