Florida Association of Counties Trust GL & Auto Loss Analysis Policy Years 2013
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1 FLORIDA ASSOCIATION OF COUNTIES TRUST Florida Association of Counties Trust GL & Auto Loss Analysis Policy Years 2013 FACT Risk Control October 13, 2013 FACT Risk Control services are intended solely to identify and assess reasonable risks within the Member's insured property. However, FACT Risk Control does not warrant or guarantee the safety of any property or condition within the Member's property and cannot guarantee additional risks will not result in loss following a Risk Control assessment. Improvements or corrections to the Member's property are solely its responsibility. Accordingly, Member acknowledges neither FACT, its employees nor its agents shall be liable for losses related to any risk assessment provided.
2 Conclusions and Observations Human Resource related claims represents 50.4% of the Incurred Loss Dollars but only account for 10.4% of the total number of claims. Slip or Trip incidents involving the public resulting in an injury account for 18.2% of the total number of claims and 24.2% of the total Incurred Loss Dollars. Damage to public owned vehicles from road conditions have the highest frequency of loss with 33.9% but only generate 9.4% of the total Incurred Loss Dollars. The available data on the Motor Vehicle Losses indicates that the majority would be classified as preventable based on National Safety Council Guidelines for Determining Preventability/Non-Preventability. Risk Control Services Investigation of Slip/Trip/Fall incidents; assistance with development of a Slip/Trip/Fall Prevention Program including an educational program for the field personnel on identifying liability exposures. Assistance with educational programs and resources geared to Human Resource issues. Educational programs on conducting Accident Investigations relating to damage to private properties/vehicles to assist in determining root causes and in assisting the Claims Department with accident detail. National Safety Council Defensive Driving classes can be scheduled for County employees where they are assigned to operate County owned vehicles as well as employees who are compensated for County use of personal vehicles. Assistance in establishing a Motor Vehicle Accident Review Committee to investigate all MVAs for Preventability/Non-Preventability based on National Safety Council Guidelines. Used for the determination of corrective action following a MVA. FLORIDA ASSOCIATION OF COUNTIES TRUST PAGE 2
3 GL Loss Analysis by Accident Description Frequency / Severity Analysis ACCIDENT DESCRIPTION FREQUENCY INCURRED SEVERITY DAMAGE TO OV FROM ROAD CONDITION 39 $56796 SLIP OR TRIP WITH FALL 21 $ HUMAN RESOURCE ISSUES 12 $ DAMAGE TO UNDERGROUND UTILITY 08 $10953 PROPERTY DAMAGE FROM LANDSCAPING 10 $4954 SEWER OR WATER BACK UP 05 $23227 PROPERTY DAMAGE CAUSED BY IV 04 $19581 PROPERTY DAMAGE NOC 06 $16680 ELECTRICAL DAMAGE 02 $9750 PUBLIC INJURY NOC 02 $3327 DAMAGE FROM TREE 02 $560 LAND USE 01 $2010 DECLARATORY AND INJUNCTIVE RELIEF 01 $2500 PROPERTY DAMAGE FROM CONTRACTOR 01 $2500 DAMAGE TO OV, NOT A MVA 01 $329 TOTAL 115 $ FLORIDA ASSOCIATION OF COUNTIES TRUST PAGE 3
4 Damage to OV, Not A MVA Property Damage from Contractor Declaratory and injunctive relief Land Use Damage From Tree Public Injury NOC Electrical Damage Property Damage NOC Property Damage Caused By IV Sewer or Water Back Up Property Damage from Landscaping Damage to Underground Utility Human Resource Issues Slip or Trip with Fall Damage to OV From Road Condition Frequency Analysis FLORIDA ASSOCIATION OF COUNTIES TRUST PAGE 4
5 Damage to OV, Not A MVA Property Damage from Contractor Declaratory and Injunctive Relief Land Use Damage From Tree Public Injury NOC Electrical Damage Property Damage NOC Property Damage Caused By IV Sewer or Water Back Up Property Damage from Landscaping Damage to Underground Utility Human Resource Issues Slip or Trip with Fall Damage to OV From Road Condition $0 $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 Severity Analysis FLORIDA ASSOCIATION OF COUNTIES TRUST PAGE 5
6 AUTO Loss Analysis by Accident Description Frequency / Severity Analysis ACCIDENT DESCRIPTION FREQUENCY INCURRED SEVERITY MVA NO OTHER CLASSIFICATION 05 $70974 IV REARENDED OV 04 $6170 IV STRUCK OV WHILE IV WAS TURNING 01 $2144 CONSTRUCTION EQUIPMENT STRUCK OV 01 $5115 OV STRUCK CONSTRUCTION EQUIPMENT 01 $3773 WINDSHIELD DAMAGE 01 $436 TOTAL 13 $88612 Frequency Analysis Windshield Damage OV Struck Construction Equipment Construction Equipment Struck OV IV Struck OV While IV was Turning IV Rearended OV MVA No Other Classification FLORIDA ASSOCIATION OF COUNTIES TRUST PAGE 6
7 Severity Analysis Windshield Damage OV Struck Construction Equipment Construction Equipment Struck OV IV Struck OV While IV was Turning IV Rearended OV MVA No Other Classification $0 $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 FLORIDA ASSOCIATION OF COUNTIES TRUST PAGE 7
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