premium and risk

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1 premium and risk reduction (parr) program parr is the program that can save your school district up to 5% off its workers compensation insurance premium. brought to you by the south carolina school boards insurance trust the insurance partner schools trust. since 1984.

2 premium and risk reduction (parr) program brought to you by the south carolina school boards insurance trust the insurance partner schools trust. since south carolina school boards insurance trust 111 research drive columbia, sc scsbit.org

3 How to Use This Kit 1. Complete forms, insert documentation SCSBIT has simplified the process with this easy-to-manage Tool Kit in a three-ringed binder. The kit provides: purposes and instructions for completing each of the PARR criteria for ; and space for inserting necessary support materials documenting evidence of implementation or completion for each criterion. Table of Contents How to Use This... 1 General Information Form... 2 PARR Overview... 3 Safety Commitment Statement... 4 District and School Level Safety Committees... 5 Safety Committee Meeting... 6 Walk-through Safety Audits Mail in completed kit by March 15, 2014 Once documentation is complete, notebooks can be shipped back to SCSBIT for evaluation at the following address: SCSBIT Heather L. Kinard, Risk Control Manager 111 Research Drive Columbia, SC Application deadline is March 15, 2014 For additional information Heather L. Kinard, Risk Control Manager hkinard@scsba.org Download this kit from our website You may download this kit in its entirety from our website at It s available there in Adobe Acrobat (.pdf) file format and Word (.doc) format. Performance Credit... 8 Risky Business Premium and Risk Reduction Program 1 South Carolina School Boards Insurance Trust

4 General Information Form (Please fill out this form and return with your completed kit) District Information Name of School District Address (Street or P.O.) City, State, Zip Telephone Fax Contact Information Name of Person(s) Submitting Application Title Telephone Number Address Date Please check the criteria below for which you are submitting documentation. Safety Commitment Statement (Prerequisite) District and School Level Safety Committees (1%) Safety Committee Meeting (1%) Walk-through Safety Audits (1%) Performance Credit (1%) Attendance at Risky Business (1%) Total % Premium and Risk Reduction Program 2 South Carolina School Boards Insurance Trust

5 PARR overview Any effective workers compensation program has initiatives in place to prevent accidents before they happen to minimize risks and maximize long-term savings. The South Carolina School Boards Insurance Trust (SCS- BIT) recognizes the importance of prevention and annually rewards districts implementing effective programs through its Premium and Risk Reduction (PARR) Program. Through PARR, districts implementing effective prevention programs that meet annual criteria are eligible to receive up to a five percent reduction in their Workers Compensation premiums. Each of the criteria is worth a 1% credit. Districts can choose to complete one or all five, totaling a 5% workers compensation premium credit. In order to qualify for any percentage of credit, Districts must have a current Safety Commitment Statement declaring the School District s commitment to the safety and well-being of its employees. The following is a brief overview of the criteria for this year. 1 District and School Level Safety Committees Effective safety committees bring leadership and employees together at the district and school level in an effort to achieve the common goal of a safe workplace. This coordinated effort provides the key to organizational change. Studies show that employees are likely to accept and embrace change when they are included in the decision-making process. Having dedicated and efficient safety committees at both the district and school level is essential to a successful safety program district wide. 2 SCSBIT Attended District Level Safety Committee Meeting Upon request, Heather Kinard, Risk Control Manager, or another SCSBIT representative, will attend a District Level Safety Committee Meeting. This will be for support and observational purposes only. Department/school specific loss reports will be provided upon request. 3 Walk-through Safety Audits Hazard recognition is an integral part of any safety program. Safety audits provide the opportunity to recognize potential hazards, generate work orders, and address claim trends. A member of the school safety committee will accompany a SCSBIT representative during the audit to increase hazard recognition skills throughout the district. 4 Performance Credit Measuring performance is vital to any risk management program. This criterion is based solely on a District s number of workers compensation claims compared to the total number of employees in the district and measured against the pool average. 5 Risky Business Attendance at SCSBIT s annual Risky Business Seminar provides attendees with useful information on risk management topics. This year s conference will be held at the Marriott at Grande Dunes in Myrtle Beach, SC on October 23-25, More detailed information and resources for each topic can be found in the PARR Tool Kit available upon request or online for download at Technical assistance is also available upon request. PARR is an incentive program aimed at lowering the number of overall workers compensation claims. The lower the claims, the more opportunity for SCSBIT to reduce premiums resulting in savings for everyone Premium and Risk Reduction Program 3 South Carolina School Boards Insurance Trust

6 Safety Commitment Statement Management leadership and commitment provides the motivating force that drives a successful safety program. Top management within the District should establish safety program responsibilities for administrators, teachers, and support staff and hold them accountable for carrying out those responsibilities. Any school district can develop, implement, and manage an effective safety system and culture. The primary requirements are commitment of top management and resources to allocate to the effort (primarily time). The term safety culture reflects the commitment of personnel to safety at all levels of the organization. In a mature safety culture, risk management is an integral part of everything the school district does. In order to qualify for any percentage of the PARR credit, the district must have a Safety Commitment Statement signed by the Superintendent for the current school year declaring the School District s commitment to the safety and well-being of its employees. Describe how the statement was shared with employees in the district; e.g., newsletter, website, or bulletin board. If you do not currently have a Safety Commitment Statement, samples can be found on the risk control website at scsbit.org Premium and Risk Reduction Program 4 South Carolina School Boards Insurance Trust

7 District and School Level Safety Committees The objective of any safety program is to prevent accidents and minimize their consequences, and to reduce the frequency and severity of injuries. While all employees must assume responsibility for safety, every district and school should have a safety committee to discuss safety and prevention issues and ensure the school and district meet annual safety goals. Safety Committees should be established at the district and school level for the following purposes: 1 To promote and maintain the interest of employees in health and safety issues. 2 To educate administrators, supervisors, and employees through awareness and training activities that they are primarily responsible for the prevention of workplace accidents. 3 To help make health and safety activities an integral part of the organization s operating procedures, culture, and programs. 4 To provide an opportunity for the free discussion of health and safety problems and possible solutions. 5 To inform and educate employees and supervisors about health and safety issues, new standards, research findings, etc. 6 To help reduce the risk of workplace injuries and illnesses. 7 To help insure compliance with federal and state health and safety standards. The committees can share the responsibilities of implementing and monitoring the Safety Program. Typical duties might include: 1 Workplace self-inspections. 2 Accident investigations. 3 Developing safe work practices. 4 Developing written safety programs. 5 Facilitating safety training. An effective safety committee encourages safety awareness, gets a large number of employees actively involved in the safety program over time, and helps motivate employees to follow sound safety practices. Educating children is the ultimate goal of all administrators; providing a safe learning and working environment is paramount to this task. The District safety committee and school level safety committees are required to meet at least twice during the year. The school level safety committee should provide feedback to the district level committee in the form of goals and actions. Provide a copy of this information along with the District s safety committee goals and actions Premium and Risk Reduction Program 5 South Carolina School Boards Insurance Trust

8 Safety Committee Meeting To be effective, District and School Level Safety Committees need to do the following: Hold meetings on a regular basis, following a consistent schedule. Set clear meeting agendas, publish them in advance, and follow them. Keep minutes of each meeting that summarize the issues discussed, the proposed actions to be taken, and the person(s) responsible for follow-up on each item. Minutes should be published and provided to each committee member, as well as made available to all employees. Members should be required to attend all meetings, except in the case of emergencies. If a member cannot attend a meeting, then an alternate should be sent. Attendance should be taken at each meeting and recorded in the minutes. Publicize the Committee s accomplishments and find ways to recognize the efforts of individuals and groups within the organization who make significant contributions to the Safety Program. Contact Heather Kinard, Risk Control Manager, to attend a District Safety Committee Meeting. This will be for support and observational purposes only. Department/School specific loss reports will be provided upon requests Premium and Risk Reduction Program 6 South Carolina School Boards Insurance Trust

9 Walk-through Safety Audits Systematic evaluation of the safety and health environment is an important facet of any safety program. Don t wait for accidents to happen before you investigate and inspect. Safety audits/inspections can make a substantial difference in accident prevention through identifying conditions and work practices that lead to job accidents. Basically, it s checking to see that things are in good shape! Most organizations with a successful safety program have well-organized safety audit programs. Contact Heather Kinard, Risk Control Manager, to schedule audits/inspections of two facilities in your District. A member of the safety committee should accompany the SCSBIT representative during the audit. This will assist the District and school in training individuals to recognize unsafe conditions and work practices firsthand Premium and Risk Reduction Program 7 South Carolina School Boards Insurance Trust

10 Performance Credit Measuring performance is vital to any risk management program. This criterion is based solely on a District s number of workers compensation claims compared to the total number of employees in the district and measured against the pool average. For the 2012 Calendar Year, the pool average based on estimated employees was 5.5%. For calendar year 2013, districts must meet one of the following criteria to qualify for this portion of the PARR savings: 1 Districts below the pool average of 5.5% must maintain 5.5% or less to qualify. 2 Districts above the pool average of 5.5% must show a decrease from their 2012 level to qualify. Computation methodology: Number of claims divided by number of employees 1 The Base Year utilized claims from 2012 calendar year and estimated number of employees at one for every 10 students based on Average Daily Membership reports. 2 The 2013 calendar year figures will be based on the number of claims filed during 2013 calendar year and number of employees based on the number of W-2 forms run in January The percentage of workers compensation claims compared to the total number of employees in the district for the 2012 base year will be sent to districts that participated in PARR last year and to any other district upon request. To be eligible for this credit, provide the number of W-2 s issued by the district for calendar year 2013 by February 1, 2014, via to hkinard@scsba.org. You will be informed of the District s performance on this criterion by March 1, 2014, by Premium and Risk Reduction Program 8 South Carolina School Boards Insurance Trust

11 Risky Business Attendance at SCSBIT s Annual Risky Business Seminar provides participants with useful information on risk management measures, programs, and methods. This year s Risky Business Seminar is set for October 23-25, 2013 at the Marriott at Grande Dunes in Myrtle Beach. Seminar and registration information will be available in print and at Provide the name(s) of attendee(s) from your district. Briefly describe how the attendee(s) shared any takeaways or ideas gleaned from the conference Premium and Risk Reduction Program 9 South Carolina School Boards Insurance Trust