Aon International Schools Risk Report 2015 (2)
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Transcript of Aon International Schools Risk Report 2015 (2)
Aon’s 2015 Risk Report for International SchoolsOur knowledge is your advantage
Aon Risk Solutions
Risk. Reinsurance. Human Resources.
Table of Contents
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
Executive Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
Section Header . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
Section Topic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
Section Topic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
Section Topic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
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Section Topic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
Section Header . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
Section Topic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
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Section Header . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
Section Topic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
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Aon Risk Solutions 3
Contents
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Background . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Responsibility of Managing Risk . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Top Risk Concerns . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Managing Risks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Claims . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Cost of Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Contacts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
The International Schools Consultancy would like to thank Aon for producing this
report . We are delighted to endorse the report . We encourage school leaders to
review this report to gain valuable insight into current risk and insurance trends .
Table of Contents
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
Executive Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
Section Header . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
Section Topic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
Section Topic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
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Section Header . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
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IntroductionIt is with great pleasure that we present the findings of Aon’s 2015 International Schools Risk Survey .
Aon are committed to the international schools market in Asia and we are committed to raising the profile on effective risk management in the education sector, and believe the key findings of this report will help you make more informed decisions when reviewing your insurance and risk program .
This is the first report of its kind in Asia and we would like to take the time to thank all of those who participated in the survey and hope you find the report beneficial .
Aon Risk Solutions 5
BackgroundIn January 2015, International schools across Asia were invited to complete Aon’s International Schools Risk Survey and provide insights on insurance and risk . In total 63 international schools participated .
Respondents by number of campusesRespondents by location
Respondents by teacher population Respondents by total student population
Singapore25.71%
Hong Kong11.43%
224.39%
319.51%
151.22%
Philippines11.43%Thailand
11.43%
Other11.43%
China8.58%
Malaysia8.57%
Japan5.71%
Vietnam5.71% 5
4.88%
Less than 10040%
101 – 25054.29%
251 – 5005.71%
251 – 50028.57%
1,001 – 3,00042.85%
500 – 1,00024.49%
3,001+4.09%
Table of Contents
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
Executive Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
Section Header . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
Section Topic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
Section Topic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
Section Topic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
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Section Header . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
Section Topic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
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Section Header . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
Section Topic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
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Section Header . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . XX
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Aon Risk Solutions 7
Responsibility of Managing Risk
Responsibility of risk management
Head of School 44%
Business Manager 20%
Chief Financial Officer 12%
School Governors 12%
Risk/Insurance Manager 8%
Other 4%
Having a risk management plan is an important part of maintaining a successful and responsible school . It will help to protect students and staff as well as physical and financial assets .
The Importance of risk management to schools
Risk management is an important part of planning for schools and our survey highlights that this mainly resides with the Head of School . The process of risk management is designed to reduce or eliminate the risk of certain kinds
of events happening or having an impact on the business .
Definition of risk management and types of risks
Common risks include things like accidents in the workplace or fires, tornadoes, earthquakes, and other natural disasters . It can also include legal risks like fraud, theft, and sexual harassment lawsuits . Once the major risks within your school are identified, you will need create a plan to
minimise or eliminate the impact of negative events .
Goals of risk management
The idea behind using risk management practices is to protect businesses from being vulnerable . Many schools risk management plans may focus on keeping the school viable and reducing financial risks . However, risk management
is also designed to protect the employees, students, and general public from negative events like fires or acts of terrorism that may affect them . Risk management practices are also about preserving the physical facilities, data,
records, and physical assets a school owns or uses .
Strategies for managing risk
There are as many different types of strategies for
managing risk as there are types of risks . Risk can be
managed by accepting the consequences of a risk and
budgeting for it . Another strategy is to transfer the risk to
another party by insuring against a particular, like fire or
a slip-and-fall accident . Finally, the manager can reduce
the risk’s negative effects, for instance, by installing
sprinklers for fires or instituting a back-up plan for data .
8 Aon’s 2015 Risk Report for International Schools
Student safety 15 .57%
Allegations of student abuse 14 .75%
Increasing staff medical costs 11 .26%
Ability to attract and retain top teachers 10 .06%
Changes to legislation and corporate governance 9 .02%
Social media 7 .38%
Increasing competition 5 .74%
Attracting students 4 .92%
Brand and reputational damage 4 .92%
Staff Competencies & Skills 4 .10%
Fraud & theft 2 .46%
Other 2 .44%
Injury to staff 1 .64%
Privacy breach 1 .64%
Increasing litigation 1 .64%
Political change 0 .82%
Property damage i .e . fire, flood etc . 0 .82%
Regulatory breaches 0 .82%
Top Risk Concerns
Aon Risk Solutions 9
Student safety
Rated as the number one risk concern and highlights the
importance of documented policies and procedures to
provide a safe and supportive environment within which
students can learn .
This includes minimising the risk of harm both from the
physical environment, but also from acts of violence, physical
threats, verbal abuse and sexual harassment .
Increasing staff medical costs
Medical inflation in Asia is growing at a rapid rate and is
driven by several key indicators
State of the economy that has an impact on the competition
for talent and consequently increases pressure on Private
Medical Insurance coverage
Continued growth in the middle class and high net worth
populations, especially in China, India, Indonesia and
Malaysia
Capital expenditure on new and expanded tertiary healthcare
facilities and investment into new medical technologies
Prescription of generic drugs in lieu of high-cost patented
medications
Escalation in non-communicable disease
Ability to attract and retain top teachers
Closely linked to the concept of good governance is the
ability to attract and retain top teachers . The way the
school is run, from the board through to the principal and
management team, can have a significant impact on the
overall working environment .
The level of trust, respect and transparency afforded by those
in senior positions is key to determining whether staff will
stay, and ultimately whether potential employees view the
school as an attractive place to work .
As an example, schools with a poor retention rate often
reward teachers based on tenure rather than actual
performance . Much can be learnt from the corporate world
in this context . Only 29% of companies classed as average
are good at rewarding and recognising their staff . However,
when it comes to the top-rated companies, 51% of them
excel at rewarding and developing high performers . To be
the best, you have to invest in your people .
Changes to legislation and corporate governance
Good governance is about people – it’s about how
governing boards make decisions that affect people and their
organisation . In fact, all three of the top risk concerns can
be linked back to the effectiveness of the governance of the
school .
Just how much responsibility and involvement does the
board have in high-level risk issues and how much is decided
at a departmental level? The balance between operational
matters to be handled by the principal and staff, and strategic
matters that affect the school and its reputation should be
constantly reassessed by the board .
The make-up of the board is crucial . Do the board members
have the right backgrounds and skills to be able to make
decisions that will stand the school and all involved in good
stead? As the risks and challenges facing schools increase,
the more the skill sets of the board members need to be
developed and their performance evaluated . How they
handle these challenges is critical .
10 Aon’s 2015 Risk Report for International Schools
Managing Risks
Over 57 percent of schools indicated that their board is not engaged or partially engaged in risk management A school board, unlike traditional businesses, will typically consist of members from a wide range of backgrounds, with varying
specialities, skills and backgrounds .
Members may not have experience in the corporate boardroom and may not be financially or
commercially focussed .
It’s important to understand the members of your school board and communicate the benefits of a mature risk management
approach in a language they understand .
Having a well-structured risk management framework is critical to promote active engagement around risk management across all areas of the school .
Q . Is the school board engaged in risk management?
Yes To some degree No
42 .11% 36 .84% 21 .05%
Example Scenario
Your school has organised an overseas excursion to
various countries in SE Asia involving multiple students,
teachers and other adult volunteers (includes some
parents) .
Midway through the trip you’re advised that there has
been a bus accident; many individuals on the excursion
have been injured and have had to be hospitalised .
Various travel insurance policies have been arranged
by each individual direct with different insurers, some
insurers offer to repatriate injured persons to first-world
country for medical attention but some insurers do not .
As your school did not arrange a group policy for the trip,
there is no one point of contact to manage the claim .
Aon Risk Solutions 11
Over 36 percent of schools do not have a documented social media policy in place .As students have greater access to social media platforms, a large proportion of your school community are sharing their lives via
photos, videos and status updates for friends and the broader public to see .
Regardless of whether your school actively embraces and uses social media or simply wants to protect itself and its employees
from liability, it’s sensible – if not essential – to have a social media policy in place . This should include clear guidelines for the use
of social media within the school environment, and also document how the school should respond in the event of a social media
incident .
The need for a robust social media policy is further supported by the increase in cases of cyber-bullying via social networking sites .
Q . Our school has appropriate controls to ensure confidential data is secure?
Q . In the event of a PR crisis, our school knows what steps have to be taken?
Strongly Agree
Strongly Agree
Agree
Agree
Neutral
Neutral
Disagree
Disagree
38 .30% 42 .55% 10 .64% 8 .51%
23 .40% 36 .17% 21 .28% 19 .15%
Example Scenario
Increasing cyber-bullying amongst school children has
raised new questions in the industry about your school’s
‘duty of care’ .
Government statistics indicate at least one in
ten children will experience cyber- bullying, yet
many parents and teachers do not know where
their responsibility lies, or have the knowledge or
understanding to prevent or manage incidents as they
occur .
1 . Does your school actively discuss cyber bullying?
2 . Do your teachers understand where their duty of
care extends to?
3 . Does your school have a social media policy?
4 . Do you actively engage parents, to communicate
your school’s cyber bullying policy?
5 . Does your school communicate the safety concerns
of technology with your students?
Q . Our school has an established social media / cyber bullying policy?
Strongly Agree Agree Neutral Disagree
34 .04% 29 .78% 23 .41% 12 .77%
12 Aon’s 2015 Risk Report for International Schools
Q . Our school has rigorous Health, Safety and Security policies to ensure student and staff safety?
Strongly Agree Agree Neutral Disagree
34 .04% 29 .78% 23 .41% 12 .77%
To Consider …
• Are you aware of the legal and industry legislation
that applies to your school?
• How do you keep up to date on changing
legislation?
• Does your school provide workplace health & safety
training to all employees?
• What contractors are in place at your school, and
what risks do they pose?
• Have you invested the time in sharing your social
media plan with your peers and understanding
what they are doing?
• Does your schools existing risk and insurance
program include the cost of PR consultants to
manage a potential crisis?
• Does your school have a written crisis management
procedure in place? And if so is this communicated
to all relevant employees?
• Are your teaching and counselling staff aware of
the steps they must take when an incident of cyber
bullying is reported?
Q . Cost management of Insurance is a key priority?
Strongly Agree Agree Neutral Disagree
41 .30% 27 .66% 23 .91% 7 .13%
To Consider …
Your broker can help you minimise premiums by helping
to define your insurance needs and by exploring the
insurance market for the best policy .
You can also reduce your premiums by:
• Not over or under insuring
• Setting appropriate deductible and liability levels
• Staying claims free
To Consider …
Aon Risk Solutions 13
Q . Please indicate your most common claims in the last 24 months
Medial claims 52 .94%
Property damage 23 .53%
Injury to students 11 .76%
Equipment breakdown 5 .88%
Injury to staff / volunteers 5 .88%
Medial claims
Medical claims are on the rise and medical inflation is forecast to outpace salary inflation & general inflation in 2015 and beyond
Claims
0%ASEAN (avg) Indonesia
General Inflation Salary Inflation Medical Inflation
Malaysia Philippines Singapore Thailand Vietnam
2%
4%
6%
8%
10%
12%
14%
16%
18%
20%
14 Aon’s 2015 Risk Report for International Schools
Property damage
Injury to students
The frequency of natural disasters across Asia in the last few years has seen an increase in property claims . This was
particularly evident for schools in Thailand as a result of the recent floods .
A school in Thailand claimed for property damage to their school’s sports fields, sheds and machinery, as a result of
flooding . Restoration and returfing costs of the fields alone amounted to almost $500,000 . This was in addition to securing
alternative venues and arranging transport, to enable a continuation of many sporting activities at the school in question .
There are a number of claims which fall into this category, including claims with respect to trips and falls, bullying and sexual
molestation and/or harassment .
It’s important for schools to understand which policy they will be covered under:
Student Accident Insurance
Student accident insurance provides cash benefits
for a range of injuries from broken bones to burns to
permanent disabilities, as well as various out-of-pocket
expenses related to an accident .
A major benefit of Student Accident Insurance is that
it can greatly assist in the reduction of the claims for
personal injury (Public Liability) that may otherwise be
directed at the school .
Public Liability Insurance
If a student is injured at school and holds the school
responsible for causing the injury, a school’s public
liability cover may protect the school from the financial
consequences of the accident including compensation
for pain and suffering .
Sexual molestation may also be covered under a schools
public liability insurance, however schools are required
to report any allegation to the insurer as soon as they
become aware of the incident as opposed to if or when
a claim arises .
Asia has seen a significant rise in the reporting of claims
in regards to sexual molestation, it’s important for
schools to understand what their policy response is to
sexual molestation claims, to avoid issues and challenges
that may be faced for claims that fall outside of their
current policy period .
Aon Risk Solutions 15
Professional Indemnity
Professional Indemnity insurance protects a school from
claims relating to the services and advice they provide .
This can include claims by students that a school failed
to protect them from bullying, racial vilification and
discrimination .
Q . Are you confident that your insurance will pay out in the event of a claim?
Yes No Unsure
50% 18 .75% 31 .25%
50 percent of schools are unsure or believe their insurance will not pay out in the event of a claim It is essential to continually update and review your insurance to ensure that it is fit for purpose . The scope of coverage in Asia
varies greatly and new and more innovative products are being created to better protect schools .
16 Aon’s 2015 Risk Report for International Schools
25 percent of schools are concerned with gaps in coverage Aon are committed to providing schools with seamless cover to address all of the major and top risks concerns highlighted in our
report .
Q . What is your single biggest issue when buying insurance coverage?
Ensuring you have the best available coverage 43 .75%
Gaps in coverage 25%
Understanding the policy wording 18 .75%
Getting value for money 12 .50%
Q . On average, how much do you spend on insurance per year (USD)?
1 – 100,000 12 .5%
100,001 – 250,000 37 .5%
250,001 – 500,000 18 .75%
500,001 – 1,000,000 25%
1,000,000+ 6 .25%
Cost of Insurance
Aon Risk Solutions 17
18 Aon’s 2015 Risk Report for International Schools
ContactsAon-COFCO Insurance Brokers Co., Ltd. Shanghai+86 (21) 3865 8000
Aon Hong Kong Head office+852 2861 6666
Aon Global Insurance Brokers Pvt. Limited (India)+91 (22) 6656 0505
P.T. Aon Indonesia - Head Office+62 (21) 2985 8500
Aon Japan, Ltd.+81 (3) 4589 4100
Aon Korea Inc.+82 (2) 2260 2600
Aon Insurance Brokers (Malaysia)+60 (3) 2773 7000
Aon Insurance Brokers (Pvt) Ltd (Pakistan)+92 (211) 1126 6266
Aon Philippines+63 2908 1266
Aon Singapore Pte. Ltd.+65 6221 8222
Aon Risk Services (Taiwan) +886 (2) 2325 2221
Aon (Thailand) Ltd. +66 2305 4555
Aon Vietnam Limited +84 (4) 3826 0832
About Aon Aon plc (NYSE:AON) is the leading global provider of risk management, insurance and reinsurance brokerage, and human resources solutions and outsourcing services. Through its more than 66,000 colleagues worldwide, Aon unites to empower results for clients in over 120 countries via innovative and effective risk and people solutions and through industry-leading global resources and technical expertise. Aon has been named repeatedly as the world’s best broker, best insurance intermediary, best reinsurance intermediary, best captives manager, and best employee benefits consulting firm by multiple industry sources. Visit aon.com for more information on Aon and aon.com/manchesterunited to learn about Aon’s global partnership with Manchester United.
© Aon plc 2015. All rights reserved.The information contained herein and the statements expressed are of a general nature and are not intended to address the circumstances of any particular individual or entity. Although we endeavor to provide accurate and timely information and use sources we consider reliable, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No one should act on such information without appropriate profes-sional advice after a thorough examination of the particular situation.
Risk. Reinsurance. Human Resources.