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.
Safety & Health Plans. Do you know what’s one of the first things an Occupational Safety & Health Administration (OSHA) inspector will look for if they come knocking on your door? The answer is your documented safety and health plans. Whether it’s your Hazard Communication Program, Emergency Action Plan, or Lockout/Tagout Procedures, these documents help the inspector quickly ascertain how well your organization is protecting its workers from safety and health hazards. If required plans are missing or found deficient, OSHA can and will cite your organization. Congress took employers by surprise when it increased OSHA penalties nearly 80 percent in 2016. Today, a serious violation can carry a maximum penalty of $13,260 per violation, and a willful or repeated violation can cost up to $132,598 per violation. Citations typically include multiple items, which can multiply these figures significantly. Well-written safety and health plans can enhance and simplify your safety efforts as well as provide the groundwork for keeping worker safety and health of the highest priority. The challenge is that it can be overwhelming trying to develop and update these plans, let alone figure out which ones are required by law. Safe-Wise works with organizations to develop plans that will help to prevent workplace injuries and illnesses, encourage compliance with laws and regulations, help to reduce costs such as lost work-time and workers’ compensation premiums, engage workers, encourage increased productivity and enhance overall business operations. Click HERE to view our Occupational Health & Staff Safety Program. Let Safe-Wise partner with you in developing your comprehensive safety and health plans.
Safe-Wise Offers Aquatic Operation Assessment Service. External Aquatic Operation Assessment services can provide an unbiased, objective review of the aquatic safety operations and identify areas for improvement. Additionally, such assessments help keep facilities accountable to recommendations and regulations providing an additional layer of protection by offering more than one perspective. They provide aquatic leaders the opportunity to learn how staff are performing and identify safety and response issues with the facility. They also allow aquatic leaders to ask a professional for help, ideas, or guidance. By inviting a different set of eyes to view and assess your facility and lifeguarding operations you can enhance the quality and value of your risk assessment efforts. External aquatic operation assessments can validate your risk management efforts as well as reveal new areas which may need focus and improvement. Assessment services may include the following:
- Unannounced observation of individual lifeguards on surveillance
- Unannounced testing of lifeguard skills
- Lifeguard skills training
- Facility and equipment inspections
- Swim program safety assessments
YMCA’s specifically, should be aware that the Y-USA Aquatic Safety Guidelines for Y’s recommends an independent assessment of the aquatic facility operations annually, at a minimum. Safe-Wise Consulting specializes in aquatic operations assessments based on aquatic industry guidelines and core safety philosophies. Our staff are cross trained on the most up-to-date American Red Cross (ARC), YMCA of the USA (Y-USA) & the American Safety & Health Institute (ASHI) lifeguard & BLS courses, and work closely with the Council for the Model Aquatic Health Code (CMAHC). Please contact your Safe-Wise consultant or Safe-Wise Consulting HERE to request an Aquatic Operation Assessment today.