Risk managers should instantly identify with the principles of resiliency. Much of what happens in our world is predictable and manageable, and loss prevention efforts can make it even more predictable and controllable. For insurable risks, we can then share or spread the risk for the less predictable and manageable through insurance or pooling. Building resilience helps us prepare for and manage uninsurable risk.

Resilience is a double-sided coin, and one of the ingredients that make its alloy so strong is risk management. One side of the coin, emergency management, is outwardly focused on protecting and restoring our community. The other side, continuity of operations (COOP), is inwardly focused, ensuring we can continue critical services and recover well. In other words, emergency management is what we do for others; COOP is what we do for ourselves.

Government exists to sustain and improve the health, safety and welfare of its community and constituents. K-12 schools and institutes of higher education exist to teach, inspire and protect students. These are not responsibilities to delegate in times of crisis.

A continuity event may be triggered by pandemic, severe weather or natural hazard, extended power failure, failure of critical systems, destruction of records or a facility or loss of key leadership. Have you identified essential functions that must continue uninterrupted or must be reestablished within hours or days? Could you maintain those functions and their necessary support functions for at least 30 days? Would continuity staff and records be available? Have you identified a suitable continuity site to restore critical operations far enough away not to be exposed to the same hazard? Have training and exercises proven effective?

Common themes in emergency management include an “all-hazards” approach; common terminology; scalability; interoperability; consistency in structure, training, exercises, and evaluation; and improvement. While we tend to rely upon our own people and processes during continuity events, emergency operations rely upon a much larger community. Therefore, planning, training, and exercising with others is of even higher value. Elected and appointed officials will need to focus upon policy direction and rained, practiced incident management and emergency operations center teams must be ready to manage.

FEMA and its partners provide free training, much of it available online as independent study. For emergency management, I recommend starting with IS-700, IS-100, and IS-200, followed by at least the G-300 classroom course (FEMA will also encourage IS-800). FEMA’s Professional Development Series (all online classes) and Advanced Professional Series provide structured learning and recognition. Each state’s training officer can provide access to local training.

NFPA 1600, Standard on Continuity, Emergency, and Crisis Management, is available as a free download. FEMA’s Continuity Excellence Series provides two levels of certificate programs. Partners such as TEEX provide excellent (and usually free) programs for FEMA, most of them in your area.

It’s not just a saying; it’s true: All emergencies start locally and end locally. Unlike shows on TV, no one is waiting to walk in and take over. We may marshal regional, state, and federal resources and coordination, but the local authority still bears the responsibility. We must be ready. The outcome will depend upon how well we have planned, mitigated, trained, and exercised.

*The views and opinions expressed in the Public Risk Management Association (PRIMA) blogs are those of each respective author. The views and opinions do not necessarily reflect the official policy or position of PRIMA.*

Like most states, California's school budgets are under extreme pressure. Teachers are bearing the brunt of rising healthcare and retirement costs, while infrastructure is failing without sufficient funds to make necessary repairs. Putting a dent in what schools are paying to settle liability claims would help keep dollars focused where they should be – in providing quality education for our children. But what is the true impact of those claims?

Martin Brady, executive director of Schools Insurance Authority (a California Joint Powers Authority of 36 K-12 public schools) recently began an effort to evaluate the impact of general liability claims on California K-12 public institutions with the hope of exploring the implementation of tort caps. Martin enlisted the help of Aon, and together they reached out to K-12 leaders from around the state to gauge interest. This resulted in overwhelming support and the creation of a consortium of dozens of California K-12 pools and large stand-alone districts. Efforts are now underway to aggregate loss data. Over the past few months, an actuarial team led by Mujtaba Datoo, Aon's public sector actuarial practice leader, has been collecting data on K-12 losses with incurred values of over $1 million.

The participants in the study represent approximately 60% of California's K-12 Average Daily Attendance (ADA). Over the past 10 years, the participating entities have generated 112 losses with incurred values in excess of $1 million. The total incurred value on these claims is approximately $356 million. Estimating and including the remaining 40% of the state's ADA would increase the totals to 187 claims and $593 million in losses, or approximately $60 million per year.

As we delve deeper into the data, we have uncovered several indicators that are quite compelling: less than 1% of the total number of claims is generating over 45% of the total incurred. Also, over 1/3rd of the claims and incurred losses involve molestation allegations, which are on the increase. To further exacerbate that trend, there is currently proposed legislation in the California State Senate to "eliminate the time limit for commencing an action for recovery of damages suffered as a result of childhood sexual assault."

*The views and opinions expressed in the Public Risk Management Association (PRIMA) blogs are those of each respective author. The views and opinions do not necessarily reflect the official policy or position of PRIMA.*

When planning a trip, potential travelers often seek the advice of those who have previously journeyed to a particular destination. They look for recommendations on a wide array of things including what to pack, places to visit (or to avoid) and tips to reduce the hassles and inconveniences that often accompany travel to an unfamiliar place.

If your organization is a public entity, chances are you will face a catastrophic event that will require you to venture down the road to FEMA Public Assistance. Consideration of the following information will help you better prepare for the journey ahead.

Funds for the Journey

Once a federal disaster declaration has been made, eligible entities may look to available funding assistance from FEMA.

Be aware that the FEMA Public Assistance (PA) Grant is a cost-share program, with the federal cost share portion at no less than 75%. The state agency receiving the PA Grant will determine the cost share (25% or less) required of its applicants (sub-recipients). Therefore, applicants should plan for a portion of disaster-related expenses to be supported by existing budgets.

Additionally, FEMA PA Grants are reimbursement grants. The submission of invoices and proof of payment made for eligible disaster-related expenses is required. Applicants are advised to make plans for up-front funding of these expenditures until FEMA reimbursement has been approved and processed.

Checkpoints Along the Journey

The new FEMA PA Program delivery model requires that an eligible project and its associated documentation go through many review ‘checkpoints’ before funding is approved and obligated. Applicants should be aware that a single step in the process can take several months, if not longer, to complete. State agency recipients will conduct a separate review once FEMA has obligated funds and before releasing payment to sub-recipients.

A couple of critical checkpoints for which the applicant should prepare are:

Damage Descriptions and Dimensions (DDD) – Because the FEMA site inspectors can only write up damages that they see or that the applicant draws to their attention, the costing of the scope of work by the Consolidated Resource Center (CRC) can be insufficient to cover the total repairs to the damaged site. Applicants are advised to remain very involved in the scope of work development or seek assistance from expert cost estimators to review the FEMA generated DDD before signing off on an agreement.

Insurance Review - The interplay of insurance proceeds and FEMA assistance is critical to understand. Applicants should be prepared to discuss with FEMA the strategy they would like to employ in the application of insurance proceeds to eligible projects in order to optimize their reimbursement.

Travel Guides

The inclusion of experienced internal and external ‘travel guides’ can ease the burden of the FEMA PA claim journey. For example, FEMA PA Grants require compliance with all federal procurement guidelines. Procurement compliance is highly scrutinized and is one of the top reasons for funding deobligation, so risk managers are advised to involve their procurement colleagues in the early stages of disaster recovery planning and execution. External professionals and consultants can also assist organizations in technical aspects of disaster recovery, and many of their service fees are eligible and reimbursable as Direct Administrative Costs (DAC) under PA Program guidelines.

Catastrophe is not a desired destination, but thoughtful preparation and planning will assist your organization through the journey of disaster recovery and back home to regular business activity.

*The views and opinions expressed in the Public Risk Management Association (PRIMA) blogs are those of each respective author. The views and opinions do not necessarily reflect the official policy or position of PRIMA.*

There is a real benefit to reporting losses immediately after they happen. This is particularly important in workers’ compensation insurance. The time between the occurrence of the loss and the reporting to the insurance carrier is called lag time, and is usually measured in days.

Glen-Roberts Pitruzzello, an actuary and pricing analyst with the Hartford, did a definitive study on the average cost of workers’ compensation claims based on lag time. His findings, which involved analysis of 53,000 claims, are more than compelling. Injuries reported within 1-2 weeks are 18% more expensive than those reported within 1 week, and injuries reported after the 4th week following an injury are 45% more expensive.

Beyond the insurance costs of late reporting, here are three other reasons why early reporting is important.

Reason #1: Early reporting means early treatment. Once an injury occurs, we want to get the employee medical attention as soon as possible. Delayed treatment can mean an increased chance of infection, aggravation of the injury or injury to other parts of the body. In many cases, early treatment results in better outcomes for both the employee and the employer.

Reason #2 – Early reporting allows for corrective action. This allows the management team to conduct a prompt and thorough investigation, identify causal factors and establish corrective actions to prevent recurrence.

Reason #3 – Early reporting alleviates suspicion. Unfortunately, workers’ compensation fraud does occur. When an injury is reported late, it can arouse suspicions and the employee/employer relationship may become adversarial.

Defining the Problem

It is a simple task to track lag time. Most insurance carriers easily capture the time between the day of occurrence and the date reported. But what most do not recognize is that there are actually three lag times, each of which may have different causes.

The first is a lag between the day of the injury and when the employee informs their supervisor. The second lag time involves how long it takes the supervisor to inform the front office. The third lag time is the delay in the injury being reported to the insurance carrier by company personnel.

The carrier doesn’t capture this data. Therefore, it is important to find where the problem lies locally if you want to change it. The first step is to establish standards. Many organizations use a three-day threshold, allowing one day for each of the three lag times previously mentioned.

Once standards are set, the next step would be to track the losses in all three lag time areas. The final step would be to uncover the cause behind delays in the lag time areas. Here are some potential causes:

Reasons employees delay reporting to the supervisor

Fear of Discipline: Organizations that rely on a program where discipline results when someone gets hurt can encourage employees to not report claims.

Peer Pressure: Sometimes coworkers will encourage not reporting injuries because of safety goals or some cultural norms.

Perceived hassle: Oftentimes when employees report an injury, they tend to avoid situations that make them uncomfortable.

Embarrassment: When employees have an injury, they are often embarrassed and do not want to draw attention to their actions.

Perceived minor injury: The employee may underestimate the seriousness of the injury.

Reasons supervisors delay reporting to the front office

Perceived hassle: No one likes to fill out an accident form, they can be challenging to complete and are sometimes observed as having no value.

Perceived failure: Some supervisors feel that they have personally failed when one of their employee gets hurt on the job. At times, those feelings may be justified.

Perceived minor injury: As with the employees not reporting minor injuries, the supervisor may feel that the injury is not serious enough to be reported.

Management pressure: Management can create the impression, implied or implicit, that reporting a loss will not be looked at favorably.

Interferes with primary tasks: Supervisors have a lot to do on a normal day so reporting the injury may be a secondary concern or avoided entirely.

Reasons the front office delays reporting to the insurance carrier

Perceived hassle: Sometimes the method of reporting can be difficult, time-consuming and frustrating.

Conflicting priorities: Very few organizations are large enough to have an employee dedicated to just reporting claims and there may be other tasks to perform that are seen as higher priorities.

Informal retention (Med Only): Some organizations purposely retain some apparently simple injuries and pay the medical provider directly in an attempt to keep their workers’ compensation insurance premium low. If a seemingly benign injury becomes more complicated, then a late claim is filed, often along with an excuse for the late reporting. .

Conclusion

Once an organization accepts that their lag time is a problem, identifies the type(s) of lag time they have and discovers the reasons for delay, then they can proceed to fix their problem. Promptly reporting employees’ occupational injuries and illnesses improves outcomes, reduces costs and creates a stronger relationship with the insurance carrier.

*The views and opinions expressed in the Public Risk Management Association (PRIMA) blogs are those of each respective author. The views and opinions do not necessarily reflect the official policy or position of PRIMA.*

Traditionally, America's police have met the mission to protect and to serve by responding to almost any call, including the call to intervene in a suicide threat. When a distressed person calls a family member to inform them that he is about to take their own life, the relative often calls the police next. When police arrive, the despondent person shouts at the officers to leave him alone.

Police officers are the default first response to mental health crises of suicidal persons. But is this really a police matter—or a risk that should be shifted to mental health services, or even allowed to play out without any emergency intervention? Is the call truly an emergency, or is there time to seek a warrant, or perhaps a court order for mental health evaluation?

In a much-noticed decision out of the Fourth Circuit a few years ago, one judge astutely noted that when responding to non-criminal mental health incidents, officers can simply choose to do nothing—and that legally, this might be the safest option. Judge Wilkinson wrote, “law enforcement will learn soon enough that sins of omission are generally not actionable.”

Officers feel like they have to do something. After all, the motto on the back of the patrol car says, “to serve and protect.” At the same time, officers know that suicidal subjects may quickly become homicidal subjects and pose a great threat to the officers. What is the proper police role?

Many public safety agencies are training officers in the concept of tactical repositioning, or as some call it, tactical withdrawal, in suicide threat calls. Others are choosing to not respond when there is no apparent threat to other persons.

No matter what approach the agency prescribes, officers (particularly first line supervisors) should be educated on some basic risk management principles common to suicide threat calls. First, teach officers about the “public duty doctrine,” which provides that the police have a general duty to all citizens, but no particular duty to any one citizen. Second, educate officers that undertaking certain action can create a special relationship with an individual citizen and void the protection of the public duty doctrine.

If the agency chooses a philosophy of responding, assessing the threat and tactical repositioning, what does that look like? How is that different than doing nothing and just walking away? Tactical repositioning implies tactical thinking and decision-making. Responding officers are not doing nothing—they’re choosing to take the action that reasonably appears to be the least risky based on an analysis of the situation.

Beyond not creating a legal duty and invalidating the potential protection of the public duty doctrine, what steps should officers take? First, if family or friends are present, officers should provide numbers and information for mental health referrals. If there are no friends or family on scene, the officers might consider leaving pamphlets listing resources for the subject. Second, the officers should explain the police response to family members or bystanders. Officers should caution them about the risks of engaging the person threatening suicide. Invite them to call 911 if conditions change or if they have further cause to worry.

Finally, recognize that the subject may harm himself after police leave. That’s simply the harsh truth. Also, officers simply must not make promises that they can't keep or statements that may not be true.

The final consideration in responding to suicidal subjects is how officers document the response. If legal action does arise out of the incident, the police report will be one of the key pieces of information analyzed. It’s important that officers not only document precisely the situation they faced and the action they took, but also why. They should document the analysis they went through to arrive at the response decisions. If officers forced entry without a warrant, the reports must explain why officers believed those actions were justified from a legal and safety standpoint. If officers used force, what were they expecting to accomplish?

If the responding officers chose tactical repositioning, they should carefully document how a Priority of Life analysis led them to believe this was the safest action for the public, the officers and the suicidal subject. In addition to explaining what force wasn’t used and what seizure didn’t happen, the officers should explain what actions they took to help the subject and explain the situation to family members.

*The views and opinions expressed in the Public Risk Management Association (PRIMA) blogs are those of each respective author. The views and opinions do not necessarily reflect the official policy or position of PRIMA.*

Once in a blue moon, the U.S. government allows the implementation of a program that affords employers the opportunity to save money without inconveniencing employees. While you process that statement, think of what your current spend is on pharmacy. What just a few years ago was a small percentage of your medical cost may now occupy a higher percentage of the total spend without a cost control method in sight… until now. The creation of a new company called OwnRx has two programs it offers that make the cost of medications less expensive and the purchase of prescription medications completely transparent.

The two programs available through this company are Acquisition Cost Index (ACI) and Own Use. ACI is available to all employers and offers the ability to purchase medications at their actual cost. This allows for transparency in the purchase price of each prescription possible and completely changes the way the purchase of medications occurs. A pharmacy benefit manager (PBM) determines the daily average cost of each medication, which is what the employer will pay for the medication (cost of the medication and a dispensing fee). To determine how this program could benefit an organization, the previous 12 months of the pharmacy claims would be gathered and analyzed to determine what the organization actually paid versus what the organization would have paid had it participated in the ACI program. The results are then broken down into medication categories such as generic, brand, non-formulary and specialty. This savings can range between 5% - 15% depending upon the types of medications dispensed and the retail pharmacy through which they are purchased. Program participants will receive 100% of manufacturers’ rebates and implementation of this program usually takes approximately 90 days, which is a quick turnaround.

The Own Use program is limited in applicability, but if you as an employer are a school system, public university, church, non-profit organization or hospital, your participation in this program can result in savings between 15 and 25%. This program is not new, but OwnRx is the first company to implement the necessary processes to make this program viable. The program grants local non-profit hospitals a federally-designated class of trade allowing it to purchase medications at a reduced cost which they can then dispense, through an authorized pharmacy, at that reduced cost. The pharmacy benefits manager administers this program and a third-party administrator verifies that those who participate in the program are eligible. Having each step in place allows a seamless process for the employees and alleviates the burden of the hospital administering the program itself. Implementation of this program takes approximately one year, granting more time for all contracts to be executed and for information to be provided to all employees.

These programs afford the possibility to offer excellent coverage for employees while saving money and bringing transparency to an aspect of health insurance that has many hidden costs.

In the last few years, the Federal Department of Justice (DOJ) has reduced their involvement in case investigations and engaging practice consent decrees against local police departments. With that oversight being reduced, the role of public entity insurers and municipal pools has taken on a larger role.

Pools become experts regarding any litigation trends in their state, but they can also learn about changes taking place all around the country by having discussions with their excess or reinsurance carrier.

Civil rights claims grow every year. Without stronger tort caps and immunities, the costs and results of litigation rises. Premiums begin to go up and it becomes harder for an entity with budget issues to afford insurance or a pool membership. Many entities have limits around $10M, but with recent verdicts and settlements, higher limits of coverage seem to be needed. When an ultimate liability question is being debated, it is clearly known that a loss could result in damages awarded that could surpass an entity’s limits. It became hopeful that state and federal agencies would investigate ways to help reduce exposures.

Pools and carriers have threatened to cancel an entity’s liability insurance when that entity’s leaders, in coordination withpolice departments, face allegations of internal corruption. Of course, any internal problems that emanate from the police or elected officials will reach the media quickly. Pools and carriers do not want to be associated with any news involving internal corruption.

Internal corruption often results in employees filing suits that can sometimes take well over a million dollars to resolve. As soon as one employee’s suit succeeds, many other co-employees may join the litigation which can lead to a class action litigation. If an employee, especially a police employee, begins receiving negative publicity in the media, pools and insurers will pressure the entity to fire that person or will cancel their policy.

An entity’s loss of insurance coverage can become a huge problem for the police force. Recently, cities in several states disbanded their police departments after losing coverage and contracted with another entity’s department. Without insurance coverage, these large police-related claims can bankrupt municipalities that have other financial issues, especially smaller entities with a tight budget and smaller tax base.

Some pools and insurers are starting to request body cam usage, jail audits and updated procedural policies.Some also recommend that their clients provide better training and improve supervision in many different departments. There are organizations that concentrate in the areas requiring strong training. For instance, Lexipol helps police, fire and prison-related entities learn what is needed to improve. They will update their clients when National or State legislation makes changes that can have a large impact on their procedures.

Many states have required that police forces adopt new policies regarding areas like body cameras, strip searches and use of force. Many of these changes have come as a result of claims. When claims result in large exposures, pool and insurance carriers will make contact with the state government to ensure that the legislatures are made aware of changes that can result in their improvement.

Pools and carriers can also organize meetings with state governments to help revamp things. For example, most states have a 2-3 year statute of limitations (SOL) which limits the time a suit can be filed. In some states, the statute regarding police activity became set at a higher level. In Wisconsin, the police related statute was set at 6 years. A lawyer who was actively involved in police-related litigation put together a group of mutual “pool” representatives and insurance carriers to meet with the state to discuss their SOL. After a few meetings, the group was able to get the state to reduce that SOL to three years. This is a good example as to how a carrier or a pool can help the government improve litigation matters. A pool or a carrier will also meet with a town’s mayor or city council to get them to consider changing some local ordinances that can improve things.

Meetings are also held to encourage an entity to consider settling a case rather than take it to trial. Many, but not all, cases can be resolved before the trial date for a more reasonable amount than expected. If the case goes to trial and results in a large, highly publicized verdict, this can set a tough precedent for the entity and the entire state. Pools and carriers have to make sure that their messages are not sent as a political topic, which can limit a government’s attention.

The State of Ohio is currently considering legislation that would require that nearly all police body camera video be subject to public records disclosure. The legislation in question, Substitute House Bill 425[1], would designate police body camera video as records subject to disclosure, unless the recording depicts a variety of enumerated exceptions largely related to privacy. The bill appears to have bipartisan support and appears headed toward a vote in both chambers of the legislature. Supporters of the legislation claim that this bill could become a national model for other states to enact to address both concerns over privacy and the public’s desire to have first-hand access to the work of law enforcement.

Throughout the country, a majority of states still do not have legislation clearly defining whether or to what extent police body camera video should be deemed a public record. There are, of course, outliers. Some states, like South Carolina, have concluded none of the video generated from police body cams should be subject to public records law. There are other states, like Nevada, on the opposite end of the spectrum, providing little or no exceptions to the premise that all body cam video is subject to public records law. However, a majority of states have still refused to adopt legislation regarding how police body cameras are to be addressed under public record laws.

In those states where legislation has not clearly addressed the intersection of body cams and public record law, there is, not surprisingly, more litigation over disclosure. For example, New York Judge Ann Marie Taddeo ruled that the City of Rochester’s policy on redaction and disclosure of body cam video violated New York’s public record law, which does not specifically address body cam video. The City allegedly maintained a policy that called for the wholesale redaction of the images of police officers and the complete masking of the voices of officers. When a member of the Rochester media requested a copy of body cam video related to an incident, the video that was produced was allegedly blurred and without sound. Ultimately, the court concluded that the blanket policy was inconsistent with state law and that any redactions must have individualized support.

The litigation (and outcome) that the City of Rochester faced is becoming more and more common. In states that have not adopted legislation addressing the public record implications of body cameras, law enforcement agencies are left to do their best to develop policies that are consistent with antiquated public record laws that were adopted when public records only existed on paper. It is clear that in at least some scenarios, body camera video does constitute a public record subject to disclosure. However, it’s just as clear that there are some proper limitations on the content of video that is subject to public disclosure. Perhaps the legislation in Ohio will indeed become a national model, but regardless, any legislative guidance specific to body cameras is a welcome alternative to attempting to apply 21st century technology to public record laws that often times originate from the 19th century.

[1] It is worth noting that despite the Bill’s title being “Declare police body camera recordings not to be public records,” the substitute bill actually establishes that the recordings are in fact public records, subject to enumerated exceptions.

Being proactive in pharmacy management is critical. During our pharmacy team strategy meetings, our focus is on getting ahead of the various trends and medication issues that we see across our book of business. When it comes to helping reducing time away from work following an injury and reducing claim spend, access to the right medications at the right time is crucial while also managing to prevent chronic use of high risk medications. Whether it’s a police officer that overdosed on illicit fentanyl due to inadvertent contact during a drug bust, or a teacher who is suffering from chronic back pain due to a severe fall, a comprehensive pharmacy program helps to ensure both scenarios are clinically handled in a timely fashion, and with a patient centered focus. Three key practices for an effective pharmacy program include the utilization of a trusted pharmacy benefit manager (PBM), custom and clinically minded formularies and, last but not least, clinician support.

Ensuring that an injured worker has easy access to needed and appropriate medications is an important first step. A PBM not only helps to ensure better pharmacy rates through their network, but the network also provides easy access so that a local pharmacy can be readily located. With a pharmacy card in hand (or even on their mobile device) from the PBM, the medication transaction can be easily adjudicated and dispensed so that the injured worker can start treatment immediately. Additionally, a good PBM will also provide the needed clinical checks on any medications requested to ensure safety.

Another critical tool that PBMs can provide is a clinically robust and custom drug formulary. Some states have had their own formularies in place for years and more and more states are considering them. However, PBMs have been using formularies for decades to prevent the use of medications that are not related to the injury or that are higher risk in nature and require review prior to dispensing. You can work with PBM vendors to develop custom formularies based on the injury type itself and the age of the claim. This will, for instance, help you understand the difference between the types of medications that are needed (or not needed) following a severe burn and the types of medications needed after the inhalation of toxic fumes or after a severe fall.

Lastly, being proactive means including clinicians in the process. Many of the more common medications used after an injury, such as opioids, muscle relaxants or sleep medications, will not only increase claim duration and cost but are also typically addictive and require tapering after only weeks of use. Clinicians, including specially trained nurses or pharmacists, can provide both the needed insight on medications along with better decision making on drug requests and tapering plans.

If you haven’t already, take on these proactive tools to better address pharmacy utilization and better care for your injured workers. These basic steps will go a long way in ensuring better care and outcomes.

Human error contributes to 94 percent of crashes according to decades of NHTSA (National Highway Traffic Safety Administration) research. How do you best capture these human errors to coach drivers and reduce risk, near collisions and collisions? And how do you protect fleet drivers and vehicles when 80% of accidents are caused by other drivers?

While data from the vehicle and telematics solutions is powerful, it can’t determine if the light was red, yellow or green in a situation involving hearsay. Nor can it tell you why the driver had a hard brake or what caused mystery damage to your vehicles.

The Right Data at the Right Time

Research has shown that for every 300 unsafe acts, there will be 29 minor collisions and onemajor collision. The key to eliminating major collisions is tackling unsafe driving performance.

Video safety technology solutions capture a clear video picture to provide situational context both outside and inside the vehicle. In addition, video also captures how the driver behaved in the vehicle – often exonerating not-at-fault fleet drivers in the process. Fleets with a video-based safety system can:

Reduce collision frequency by up to 50%

• Decrease liability, physical damage and workers’ comp
• Improve claims accuracy and speed resolution

Protect drivers

• Improve driver safety and security
• Exonerate not-at-fault drivers

Decrease operational cost

• Reduce maintenance expense
• Conserve fuel through safer, eco-driving

Actionable Transportation Intelligence

Video safety technology is driving change. Video helps reduce risk and claims settlement times while increasing on-site exonerations and safe driving improvements. At the same time, video provides insights into driver and fleet risk profiles.

Coaching is Key

Identifying risky behaviors and unsafe driving performance will not make an impact without coaching drivers in a timely manner and tracking your drivers’ improvement. Having the right information available and easily actionable increases the instances – and impact – of coaching. Tracking each coach’s impact on your safety score’s improvement ensures consistency across coaches and facilitates the communication of best practices.

Bringing your employees home safely and protecting the community is primary, and public sector fleets are turning to video safety technology to achieve this safety goal. Video safety technology open platforms are now flexible enough to work on a wide variety of fleet vehicles (everything from private passenger type vehicles to heavy duty) with different operational needs, and in differing driving environments.

As a result, public sector fleets are reducing claims costs up to 70% in addition to the 50% reduction in collisions. Innovative fleet technology, such as video safety, can help eliminate the human error factor, protect the driving community and provide tremendous safety savings.