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Specialty Lines
Greetings!
Every year CCAP's insurance programs exhibit at the Pennsylvania Sheriffs' Association annual conference. This July the meeting was in Scranton. Our insurance programs insure 51 of the state's sheriff's offices, for either workers' compensation, unemployment compensation or property and liability insurance (or all of these). We enjoy attending and meeting with the sheriffs and chief deputies. We are also a sponsor, which provides us with an exhibit booth and registration, annual membership, an advertisement in publications and on their website, and we also get a chance to make a brief presentation at their general session.
This year I reminded the sheriffs about the need for them to wear seat belts. While this would seem to be something that is not needed - it is the law, after all - insurance claims data indicate not wearing one is a growing trend among Officers. Arguments include the difficulty of wearing the belt over a radio or gun. While we have not had issues with this in our claims in Pennsylvania, it is a trend that concerns me.
County Reinsurance Limited (CRL) is a major reinsurer for our PCoRP and PComp programs, and also reinsures county pools in 16 other states. At the June PComp Board meeting, CRL's staff reviewed workers' compensation claims for all these pools for the past ten years. Motor vehicle accidents were the number one cause of claims, with total reserves to pay these claims costing over $100 million! Overall, sheriffs and police departments account for 44 percent of all workers' compensation claims for counties, costing more than $126 million. And 62 percent of all claims valued at $1 million or more were attributed to sheriff or police departments. Of the large workers' compensation claims involving sheriff or police departments, 67 percent were cases where the injured officer was not wearing a seat belt. The average large loss claim cost when no seat belt used is 32 percent higher than when it is used. Obviously this indicates the officer was more seriously injured when not wearing a seat belt. The worst loss with no seat belt was $5.25 million. The worst loss with seat belt used was $1.04 million. And it takes 2.7 seconds to buckle a seat belt. Make sure you contact us when you need help with something, John Sallade |
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Warren and Berks Join PCoRP
PCoRP welcomed members number 50 and 51 when Warren County joined PCoRP on June 1, and Berks County joined on July 1. PCoRP's membership is now 47 counties and four county related entities. This is PCoRP's largest membership in its 26 years of operations. PCoRP now insures 70 percent of all counties. To give you a sense of the size of PCoRP's coverage, the pool now insures:
| Property: | $4.6 billion | | Vehicles: | 3,851 | | Officers: | 6,037 | | Payroll: | $960 million | | Total Premium: | $13,892,529 |
Warren County was a member of PCoRP from 1990 to 2006, left PCoRP, and has now rejoined. Warren County's local insurance producer is David Pearson of Garrison-Simonsen, Inc. in Warren.
Berks County was a member of CCAP's COBALT program, and sought a more competitive renewal proposal, and selected PCoRP. Berks County's local insurance producer is Michael Malinowski of Engle, Hambright & Davies in Wyomissing. |
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Emergency Evacuation Plans
By Maureen McMahon, Loss Control Specialist
In the event of a fire or other emergency, seconds count. The safe, orderly and prompt evacuation of building occupants is the number one priority. The cooperation and participation of every building occupant is essential. Every person that lives and works in a building has an individual responsibility to know how to evacuate in an emergency and to accomplish the evacuation when the fire alarm device sounds or when directed by an authority. This guide will help you to prepare for emergency situations that might arise in your facility.
Pre-plan your escape
- Know the fire alarm pull box locations or other notification devices, such as air horns.
- Make sure your floor has at least two unobstructed ways out.
- Check the fire exits to make sure they are usable.
- Know the emergency numbers to call for help. 9-1-1 or number designated.
- Determine your faciliity's outside assembly point.
If there is a fire or fire alarm, everyone evacuates!
- If you discover a fire or smoke condition and the building is equipped with an alarm system, sound the building alarm by activating the nearest pull station or notify occupants by an alternate method.
- Whenever you hear the fire alarm sound, leave immediately! Don't assume the fire alarm is false or a test and wait to see what others do. In a fire, seconds count.
- Try to help others, if you can do so safely.
- Unless unusual conditions dictate otherwise, the best evacuation route is the nearest stairway and out the closest exit.
- When leaving, close the door behind you.
- Once outside, meet at your assembly point and take a head count to make sure everyone is out and accounted for. Never attempt to re-enter the building to search for someone missing, instead let fire or police officials know.
- Do not use the elevators.
- Do not re-enter the building until the all clear has been given by a Fire Marshal, Sheriff, Safety Officer or other Official.
Is the door hot?
- Before opening a door, you should make sure there is no fire on the other side by using the back of your hand to touch the door, door knob or door frame.
- If any feel hot, don't open it, there is probably fire on the other side. If cool, open the door slowly, leave the area and close the door behind you.
- If you encounter smoke while evacuating, crawl or get as low as you can.
If you can't escape
- Close all doors between you and the fire.
- Seal cracks around doors with cloth to keep the smoke out.
- Call 911 to notify them of your location.
- While waiting for rescuers, signal from a window by hanging clothes out the window, waving an object or shouting.
For more information, contact the CCAP Loss Control Department at 800-895-9039; or email us at:
Gary Nicholson, Loss Control Services Manager
Andrew Smith, Loss Control Specialist
Maureen McMahon, Loss Control Specialist |
Fall Workshops Coming Soon!
By Linda Rosito, Insurance Training Director
The fall workshop season is quickly approaching and topics are being finalized. We have a great season planned with topics such as time management, leadership and our always popular Excellent Supervisor Seminars and Prison Personnel Workshop.
Glimpse Online and online registration will be available August 8. Look for your copy of the fall Glimpse mid-August! If you need additional copies, please let us know.
As a reminder, most of the workshops are FREE to attend if your county is a member of the sponsoring Insurance Programs. To check if your county is a member of the sponsoring program, please refer to Glimpse Online and CCAP Insurance Programs Member Listing.
Here is a quick look at the upcoming fall workshop season. Mark your calendars!
FALL WORKSHOP OPPORTUNITIES:
| SEPTEMBER | | 10 | Excellent Supervisor Seminar - Cranberry Twp. | | 10 | Defensive Driving Course - Lewisburg | | 12 | KEYS: What's in it for me? - Harrisburg | | 17 | KEYS: What's in it for me? -Scranton | | 18 | Defensive Driving Course - Scranton | | 19 | PIMCC Nurses Seminar - Harrisburg | | 24 | KEYS: What's in it for me? - Cranberry Twp. | | 25 |
Strategic Thinking - Effective Leadership -
State College | |
OCTOBER | | 2 | Strategic Thinking - Effective Leadership - Harrisburg | | 8 | KEYS: What's in it for me? - Lewisburg | | 10 | Excellent Supervisor Seminar - Scranton | | 15 | Excellent Supervisor Seminar - State College | | 15 | Defensive Driving Course - State College | | 16 | KEYS: Time Management - Living with Time to Spare - Cranberry Twp. | | 22 | Safety Workshop - State College | | 25 | County Risk Managers Council - Harrisburg | | 29 | Strategic Thinking - Effective Leadership - Scranton | | 30 | Annual Producers Meeting - Harrisburg | | 31 | Strategic Thinking - Effective Leadership - Lewisburg | |
NOVEMBER | | 6 | KEYS: Time Management - Living with Time to Spare - Harrisburg | | 7 | Prison Personnel Workshop - State College | | 20 | County Risk Managers Council, - Cranberry Twp. |
The CCAP Insurance Programs continues to collaborate with the Academy for Excellence in County Government. Please refer to our website for additional information on co-sponsored events. These workshops are FREE to current Academy participants.
Please note: We ask for your understanding as CCAP undergoes an expansion project at our North Office Building. We hope to host our Harrisburg location trainings at our office location, but there may be a need to relocate to another Harrisburg location due to construction noise. We will keep you apprised of the situation.
As always, if you have any questions, please feel free to contact Linda Rosito or Jenn James at (800) 895-9039.
We hope to see you this fall! |
Upcoming Events
PELICAN SAC Meeting August 20, 2013, 10:00 a.m. Marriott Courtyard Burlington Harbor, Burlington, VT COMCARE PRO SAC Meeting August 21, 2013, 8:30 a.m. Marriott Courtyard Burlington Harbor, Burlington, VT PCoRP Board Meeting September 13, 2013 CCAP North Office - Harrisburg PComp Board Meeting September 20, 2013 CCAP North Office - Harrisburg
Board and committee meetings of all CCAP insurance programs are open to members of those pools. If you plan to attend a meeting, please let us know in advance so we can plan for room set-up and any meals. Send your attendance plans to John Sallade at CCAP. |
| Quote of the Month
"It's kinda fun to do the impossible."
- Walt Disney
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