Current Newsletter

December 2019 | Volume 13 Issue 12.1 

Insurance Market Trends. Safe-Wise has observed some trends in the insurance market for non-profit youth serving organizations like YMCA’s, JCC’s, Camps, and Boys & Girls Clubs over recent months. It appears that there will be some ongoing changes in the availability and pricing for non-profit youth serving organizations insurance options with traditional carriers. Some carriers / programs have shown or have predicted a decrease in general willingness to offer coverage to some organizations. We have also begun to see increases of policy pricing to as much as +30%. Organizations must prepare for these trending changes by budgeting, contact with carriers and agents, early renewal processes, exploring new carrier options and, of course, by continuing to effectively manage risks. A major driver in an organizations ability to find coverage and favorable pricing is maintaining / possessing a strong loss ratio. Safe-Wise is your partner in effectively managing risks. We are committed to supporting you through these market changes. We are available to support your agent with search options. We are currently a service partner with several carriers, are willing to forge new carrier relationships on your behalf and can contract directly with organizations to offer cost-effective support, training and risk management solutions. We focus on core issues facing youth serving organizations today, such as child abuse prevention, aquatic safety, employee safety, and program safety. That is not to say those are the only ways we can assist you because we know every organization has unique challenges. Click HERE to contact Safe-Wise today.


CISA Launches “Cyber Essentials” for Small Businesses and Small SLTT Governments. The Cybersecurity and Infrastructure Security Agency (CISA) has launched Cyber Essentials, an effort to assist small organizations in understanding and addressing cybersecurity risks. Developed in partnership with small businesses and small state, local, tribal, and territorial (SLTT) governments, Cyber Essentials aims to equip these organizations with basic steps and resources to improve their cybersecurity resilience. CISA’s Fall 2019 Cyber Essentials infographic includes a list of six actions organizations can take to reduce cyber risks:

  • Drive cybersecurity strategy, investment, and culture;
  • Develop security awareness and vigilance;
  • Protect critical assets and applications;
  • Ensure only those who belong on your digital workplace have access;
  • Make backups and avoid the loss of information critical to operations; and
  • Limit damage and quicken restoration of normal operations.

CISA encourages small organizations to review CISA’s Cyber Essentials page to learn more about improving their cybersecurity resilience. 


The Challenges and Considerations of CBD Oil at Camp is the title of a November 2019 American Camping Association (ACA) The CampLine article by Tracey C. Gaslin. Gaslin writes, one of the growing medication challenges in the camp health world is cannabidiol (CBD) oil. An increasing number of camps are getting questions about this product — the legalities of use, the properties of the drug, and the implications for camp. Provided HERE are educational facts about CBD oil to help camps make quality decisions about its use in their settings.


Learn How to Manage the Risk of a Lightning Event is the title of a November 5, 2019 Aquatics International (AI) article by Shawn DeRosa. DeRosa writes, in my last two columns, I discussed a survey that revealed how policies and procedures regarding electrical storms vary among aquatics facilities. Some even appear to adopt conflicting approaches to managing the lightning risk. With conflicting recommendations coming from established safety organizations, such variances are understandable. To help individual operators develop the best policies for their facilities, this article proposes a standard risk-management analysis. Additionally, I address three areas where I saw concerning survey results: monitoring of storm events, warning of storm events, and facility closures. Click HERE to read the full article.


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Safety Guides. The National Safety Council (NSC) encourages you to explore research, best practices and articles on various safety and health topics. If you are new to safety or don’t have a strong background in the basics of safety and health topics, this is the place to start. Click HERE to review current laws and regulations and the basics of insurance. They’ll provide you with models of safety and health plans, case studies, and the know-how to present your safety ideas to management. Need help? Click HERE to view our Safe-Wise Occupational Health & Staff Safety Program. Let Safe-Wise partner with you in developing your comprehensive safety and health plans.


Preventing Adverse Childhood Experiences (ACEs). According to November 5, 2019 press release, a first-ever Centers for Disease Control & Prevention (CDC) analysis provides comprehensive estimates of the potential to improve Americans’ health by preventing Adverse Childhood Experiences (ACEs). ACEs can include experiencing abuse, witnessing violence or substance misuse in the home, and having a parent in jail. Exposure to ACEs can result in extreme or repetitive toxic stress responses that can cause both immediate and long-term physical and emotional harms. At least five of the top 10 leading causes of death are associated with ACEs. Preventing ACEs could potentially reduce chronic diseases, risky health behaviors, and socioeconomic challenges later in life. Want to do more to help prevent ACE’s? Click HERE to learn about our comprehensive Safe-Wise Child Abuse Prevention Program designed to assist you in developing strategies that help protect children, staff, your organization and your community.


More resources are available in the Online Resource Library.

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