Zurich Risk Engineering

1. Zurich Risk Engineering Steven Anderson, CSP Portfolio Executive Zurich Risk Engineering Effective Loss Control Strategies for today’s EMS Operator © Zurich Services Corporation

2. Zurich Risk Engineering Let’s play a game… Fact or myth? © Zurich Services Corporation

3. Fact or Myth? Howard Handler’s first EMS rig © Zurich Services Corporation

4. Fact or Myth? Fact or Myth? “We were running an authorized Code 3 response so we’re not liable” © Zurich Services Corporation

5. Fact or Myth? Fact or Myth? ‘The insurance company will pay for everything’ © Zurich Services Corporation

6. Fact or Myth? Fact or Myth? ‘Our driver wasn’t cited by police at the scene, so we are not likely to be found liable.’ © Zurich Services Corporation

7. Fact or Myth? Fact or Myth? ‘The employee failed to follow our written policies and procedures, so the company’s not liable’ © Zurich Services Corporation

8. Fact or Myth? Fact or Myth? ‘Successful companies consistently strive to eliminate all risk’ © Zurich Services Corporation

9. What’s at Stake? What’s Really at Stake? • Reputation • Community image • Employee morale • Ability to compete for new and renewing contracts • Financial sustainability © Zurich Services Corporation

10. Here comes ‘da’ judge A collision involving an ambulance has a greater likelihood of litigation. Document the collision like any other traffic accident, only… more so. Litigation Defense © Zurich Services Corporation

11. The Cost of Losses Calculating the true cost of losses Direct vs. Indirect © Zurich Services Corporation

12. Primary Commercial Insurance Lines • Workers’ Compensation • Automobile Liability • Property • General Liability • Professional liability © Zurich Services Corporation

13. Zurich Risk Engineering • 600 Risk Engineering consultants throughout North America • 1,500 consultants world-wide • Industry Segment Specialization • ISO 9000 Registered © Zurich Services Corporation

14. Role of Loss Control Consultant • Evaluate Risk • Protect Carrier’s Assets • Improve Quality of Risk • Create a customer service relationship © Zurich Services Corporation

15. Zurich Risk Engineering Objectives of Insurance Carrier on-site loss control visits © Zurich Services Corporation

16. Objectives of Loss Control Visit • Gain understanding of insured’s business Analyze historical loss experience. • Evaluate effectiveness of safety and loss prevention controls. • Identify opportunities for risk improvement • report information to underwriting business partner. • Create value for the customer. © Zurich Services Corporation

17. Zurich Risk Engineering The On-site Risk Assessment Process © Zurich Services Corporation

18. On-Site Loss Control Visit • Opening meeting to discuss visit objectives, review loss experience and discuss management practices, training and safety program. • Facility tour and station visits. • Wrap up meeting to discuss findings and recommendations. © Zurich Services Corporation

19. On-Site Risk Assessment Survey • Description of operations • Business demographics • Hiring practices • Employee Training • Formal Quality Control • Supervisor skill sets • Incident reporting and investigation • Documentation practices • Fleet maintenance © Zurich Services Corporation

20. Fact or Myth? Successful companies work continuously to identify, manage and control risk © Zurich Services Corporation

21. Fact or Myth? You can influence the cost of insurance by optimizing your company’s overall quality of risk © Zurich Services Corporation

22. Fact or Myth? The best way to manage insurance claims is to prevent them © Zurich Services Corporation

23. Fact or Myth? The cost of every claims should be viewed as your company’s money © Zurich Services Corporation

24. Thank you Because change happenz © Zurich Services Corporation