Virginia School BoardsAssociation

Hot TopicConference on School Safety

Emerging Risk Management Trends in

Virginia

Coverages

• Workers’ Compensation• School Board Errors & Omissions• Loss to Property & Equipment• Loss from Theft and Employee Dishonesty• Auto Liability & Physical Damage• General Liability• Student Accident

– International Coverage

VSBA Pool Membership

$764,251

$2,216,983

$1,598,459

$1,836,103

$2,356,457

$2,659,820 $2,661,433 $2,617,457

$3,029,509

$3,254,361

$3,595,669$3,692,430 $3,708,685

$380,314

$731,398 $674,886

$869,914

$1,246,684 $1,238,620 $1,283,288 $1,224,997$1,144,657

$705,332

$1,023,637

$847,062$975,748

$0

$500,000

$1,000,000

$1,500,000

$2,000,000

$2,500,000

$3,000,000

$3,500,000

$4,000,000

VSBA Auto & Liability Premiums Vs. LossesLosses Valued as of 7/1/2010

Premium Losses

Most Prevalent Types of Fleet Claims

• Fixed/Stationary Objects – 1,373 claims – $2,305,582• Side Swipe Incidents – 831 claims - $1,830,353• Rear End Incidents – 656 claims - $3,065,824• Intersections – 375 claims -$3,476,535• Tail Swings/Lane Changes – 272 – $2,228,293• Head On Collision – 278 claims - $351K• Sudden Stop – 112 claims - $340K• Loading/Unloading – 60 claims – $150K

• Total – 4,107 claims totaling $14,245,073

Loss Control Considerations

• Visible Management Support for Drivers• Communication with Parents• Communication with Law Enforcement• Involve in Training• Behavior Issues• Special Needs Issues

Most Prevalent Types of Liability Claims

• Struck By/Strike – 385 claims – $154K• Outside Falls – 433 claims – $364K• Personal Injury – 197 claims - $436K• Inside Falls – 310 claims - $475K• Sexual Harassment – 8 claims – $127K• Employment Practices – 36 claims – $115K

• Total 1,350 claims totaling $1,672,413

Loss Control Considerations

• Hazard Assessments• Purchase Plenty of Wet Floor Signs• Begin thinking about ice and salt• Playground Safety Issues• Outdoor Classrooms• Employment Practices/Sexual Harassment Training

$1,004,313 $1,028,013 $1,047,341

$1,351,844

$1,516,039 $1,511,005 $1,554,267 $1,506,139

$1,785,019

$2,371,027

$2,984,081$3,045,374

$3,171,707

$598,142

$384,822$491,649

$1,329,235

$1,741,161

$690,036

$2,139,974

$1,266,830

$964,989

$1,399,367$1,460,666

$1,104,769

$1,626,161

$0

$500,000

$1,000,000

$1,500,000

$2,000,000

$2,500,000

$3,000,000

$3,500,000

VSBA Workers' Compensation Premiums Vs. LossesLosses Valued as of 6/1/2010

Premium Losses

Most Prevalent Types of Injuries by Department

• School Nutrition – 905 claims - $2,313,384• Custodial – 559 claims - $1,652,159• Maintenance – 279 claims - $956,880• Instructional – 3368 claims - $5,391,466• Transportation – 418 claims - $1,193,593

• 5,793 claims totaling over $11,000,000 since 1997

Proper Footwear

• Custodial• Food Service Employees

Non Slip Shoes are the best way to prevent slips, trips, and falls in our schools.

Please provide these shoes to:

Do Not Do It!

Provide Teachers with Step Stools and discourage teachers from standing on chairs/desks/tables. Falls cause many serious injuries to teachers in our school systems each year.

Most Prevalent Types of Property Claims

• Ice/Freezing Pipes - $1,600,000• Lightning – 37 claims – $199K• Wind/Hail – 21 claims - $718K• Water – 6 claims – $130K• Theft/Vandalism – 44 claims – $625K• Breakdown – 2 claims - $52K• Fraud – 122claims – $636K

Wins for Everyone

• School Boards• School Board Members• Superintendents• Principals• Department Heads• Teachers, Custodians, Food Service, Maintenance,

Transportation Employees• Students• Excess Insurers• VSBA Risk Management Programs• VSBA