Qualitative AnalysisLearning ObjectivesDiscu.docx

Qualitative Analysis
Learning Objectives
Discuss the purposes of qualitative and quantitative analysis
and characteristics of each.
Explain measurement scales and areas of qualitative analysis.
Discuss the assessment of broad loss exposures that may have a
financial impact on the organization but may be difficult to
quantify.
Learning Objectives
Explain the purpose, characteristics of quality loss data and the
basic ways loss data can be organized for analysis.
Discuss risk mapping and how it is used as a key risk
management tool.
Skills Application Case
Diamond Creek Resorts International, Inc. (DCRI)
Learning Objective #1:

Discuss the purposes of qualitative and quantitative analysis
and characteristics of each.
I. Qualitative Analysis
Purposes
The “what” analysis
Identification and evaluation of loss exposures that cannot be
easily measured by traditional statistical or financial methods
Attempts to assign relative values to determine implications and
scope of effects risks have on an organization; does not try to
assign hard financial values to assets, expected losses and cost
of controls
Helps management understand the potential impact of the
organization’s ultimate risks on performance
Characteristics
Conducted using questionnaires, surveys, task forces,
workshops and collaboration with a variety of internal and
external knowledgeable groups related to an organization
Frequently addresses the following questions:
Should we do this?
What is the impact on the organization’s reputation or morale?

II. Quantitative Analysis
Purposes
The “how much” analysis
Attempts to accurately measure risks by using acceptable
traditional methodologies to calculate relative numerical values
Quantitative Analysis
Characteristics
Conducted by using analysis of losses, exposures, costs,
benefits and financial statements
Frequently addresses the following questions:
Can we do this?
What is the financial impact of this?
III. Reasons to use both Qualitative and Quantitative Analyses
Valid answers are needed, e.g., predicted losses, value of claims
Costs and benefits are primary factors of decision making
Non-monetary factors are part of the decision-making process,
e.g., reputation, morale and citizenship
Explain measurement scales and areas of qualitative analysis.
II. Measurement Scales of Qualitative Risk Exposures
Identification methods should be used to analyze those
qualitative risks that could have a potentially harmful impact on

the organization, although they are not subject to financial
measurements
Measurement Scales
Measurement scales depict relative values that are not easily
quantified
Critical risks – assigned to a level to capture their critical
nature to the organization, e.g., losses that could bankrupt the
organization, threaten survival or stop operations
Important risks – could result in losses that would require the
organization to borrow external funds to continue operations
Measurement Scales
Less important risks – could result in losses with a low
financial impact that would not harm operations or could be
paid from existing cash flows
Measurement Scales
Severity level measurement scales
High severity
Moderate severity
Low severity
Measurement Scales
Probability or frequency level measurement scales
High likelihood of occurrence
Moderate likelihood of occurrence
Low likelihood of occurrence

III. Areas of Qualitative Analysis
Management’s appetite for risk
Company history
Long-term objectives
Growth mode or stage in growth cycle
Financial stability
Market maturity
Competition and the need to take risks
Public image
Appetite for risk vs. financial ability
Areas of Qualitative Analysis
Innovation, product development, and marketing
Criticality to the organization
Market positioning and market share
Competition
State-of-the-art product development
Business interruption exposure
Technology
Production capacity
Degree of automation/Internet marketing
Nature of operations, e.g., inherently hazardous
Contractual

Enforceability of hold harmless and indemnification agreements
under applicable jurisdictions
Willingness and financial ability of other party to perform
Financial capability and attitude of insurers providing
additional insured status and contractual liability
Compliance and regulatory requirements
Industry subject to heavy regulation
Management awareness of regulatory governmental
requirements
Possible industry and voluntary regulation
Penalties, fines, and public image
History of enforcement
Safety (internal and external)
Union concerns related to safety
Ergonomic audits
Existence of safety programs
Level of management support for safety programs
Ability to recruit and retain work force
Implications on employee productivity
Crisis management plan
Disaster recovery
Security plan
Possibility of terrorism

Social responsibility and citizenship
Industry profile – high or low
Management’s concern with reputational risks
Effect of negative press
Use of outside auditors
Internal policies
Audit and oversight
Internal
External
Board involvement
Employment issues
Leasing
Contract
Seasonal
Mobile workforce
Employment Practices Liability (EPL)
roduct guarantees
Product recall
Ethics policies and procedures

Discuss the assessment of broad loss exposures that may have a
financial impact on the organization but may be difficult to
quantify.
IV. Financial Assessment
Purpose – to identify and evaluate those broad loss exposures
that may have a financial impact on the organization and are
difficult to quantify
Financial Assessment
Revenue growth
Relative to increase in expenses and fixed costs
Improvement of market share compared to overall growth in
market
Compared to competition either in industry or trade area
Profitability
Criticality
Importance of profitability to the organization
Organization’s profit margin
Nature of organization

Stage of growth cycle
Shutdown
Adequacy of return, e.g., total dollars, earnings per share, profit
margins
Management’s overall expectations
Budget
Enough return on its investments to fund other opportunities
Industry standard – comparison to the industry and competitors
Stockholder expectations
Management implications – bonuses, stock options
Financial capacity – the organization’s ability to fund projects,
activities, etc.
Current needs vs. future opportunities
Retention vs. transfer options
Liquidity and cash flow

Long-term debt and cost of capital
Credit rating
Borrowing costs
Outstanding letters of credit
Retained earnings
Explain the purpose, characteristics of quality loss data and the
basic ways loss data can be organized for analysis.
V. Loss Data Analysis
Purpose – application of various methods of analyzing loss data
to identify and understand the potential impact those losses may
have on the organization’s risk management program and the
total cost of risk
Characteristics of quality loss data – without a reliable degree
of comfort in each of the following areas, the credibility of loss
analyses suffer
Loss Data Analysis
Completeness
Enough loss data (frequency); a rule of thumb is at least 5 years
of data, preferably 10+ years and at least 30 data points per year

Adequate details about each data record
Understanding components of paid and reserve amounts
Loss Data Analysis
Consistency
Same types of data should be provided for each data record
Consistent policy year, data record year, or calendar year
Consistent recording methodology
Loss Data Analysis
Integrity
Data should be current
Data should be checked for accuracy related to the type of
information and reserves from its sources
Loss Data Analysis
Relevancy Data should be current
Data that yields information on matters about which the
organization is concerned
Discontinued or divested operations
Acquired operations
Commingling of data
Data not relevant to the loss -
Loss Data Analysis
Organizing loss data
Four classifications of types of losses
Property

Real property vs. personal property
Location of property
Loss Data Analysis
Perils causing loss
Human perils, e.g., arson, pollution
Economic perils, e.g., strikes, obsolescence, inflation
Natural perils, e.g., hail, earthquake, hurricanes
Large loss report
Loss Data Analysis
Human resources
Employee injuries
Length of employment when injured
Accident repeaters
Cause of injury
Type of injury
Body part injured
Loss Data Analysis
Evaluation of time intervals
Location of accident (whether company location or another
location, etc.)
Any other appropriate, relevant or meaningful categorization
Termination
Retirement
Loss Data Analysis

Liability
Litigation report
Large loss report
Net income
Net income losses – decrease of net income or increase of
expenses
No loss reports/information for net income losses
Loss Data Analysis
Frequency and severity
Pareto Principle – 80/20 rule – 20% of the causes will result in
approximately 80% of the problems
Loss Data Analysis
Number and cost of losses
In each severity range
At each location
By line of coverage
By type of loss
By type of injury
By length of employee’s service
Other demographic data
Discuss risk mapping and how it is used as a key risk
management tool.

VI. Risk Mapping
Risk mapping – a visual analytical tool from which all risks of
an organization can be identified and the potential impact can
be understood
Risk maps are useful in the following ways:
Serve as a powerful representation of an organization’s
vulnerability to unforeseen loss exposures and may be simple or
complex
Used to convey important risk information in concert with the
risk manager’s recommendations to senior management
Risk Mapping
Support certain risk control decisions
Assist with risk financing decisions
Model the effects of potential exposure scenarios that might
develop in the future
Track risk reduction results
Monitor changes in exposures over time
Risk Mapping
A simple risk map consists of a graph divided into four
quadrants, each reflecting a different blending of frequency and
severity characteristics for each risk
A Simple Risk Map

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VII. Summary
Non-quantifiable risks are subject to identification and analysis
Qualitative risks that are not analyzed can cause significant
losses
Qualitative risk analysis requires a different type of thought
process from that of quantitative risk analysis
Qualitative risk analysis techniques should be used in
conjunction with quantitative risk analysis techniques
Review of Learning ObjectivesDiscuss the purposes of
qualitative and quantitative analysis and characteristics of each.
(p. 4)Explain measurement scales and areas of qualitative
analysis. (p. 7)Discuss the assessment of broad loss exposures
that may have a financial impact on the organization but may be
difficult to quantify. (p. 14)
Review of Learning ObjectivesExplain the purpose,
characteristics of quality loss data and the basic ways loss data
can be organized for analysis. (p. 17)Discuss risk mapping and
how it is used as a key risk management tool. (p. 24)
Thank you!

*
Analysis of Risk
Introduction to Analysis of Risk
Learning Objectives
Discuss the definition of risk and the general classes of risk.
Discuss the definition of risk management and the five steps of
the risk management process.
Discuss the components of the total cost of risk and why it is
used as a key risk management tool.
Discuss the uses of risk analysis and the necessary tools to
perform a risk analysis.
Discuss the definitions of risk and the general classes of risk.
I. What is Risk?

Definitions of risk
“Risk” is a term subject to various interpretations in risk
management. The interpretations are usually dependent upon
the perspective of the user and the purpose for which the term is
applied.
What is Risk?
Risk may take the form of:
A probability
A degree of uncertainty
Varying outcomes
A variance from a forecast or prediction
Four broad definitions of “risk” used in risk management:
Chance or probability of loss
Uncertainty concerning loss
Possibility of a variation of outcomes from a given set of
circumstances
Difference between expected losses and actual losses
What is Risk?
What is Risk?
For purposes of the CRM program, the most useful definition of
“risk” is:
“Uncertainty that may be either positive or negative arising out
of a given set of circumstances.”

What is Risk?
Types of risk
Pure – chance of loss or no loss (break-even)
Speculative – chance of loss or gain; often referred to as a
“business risk”
Risk Management Terms
Exposure – a situation, practice, or condition that gives rise to a
loss from a given peril leading to an adverse financial
consequence; an activity or resource; people and assets
Peril – the cause of a loss
Hazard – a condition or circumstance that may give rise to a
loss from a given peril; physical, moral, or moral characteristics
that make the likelihood of a loss from a given peril greater
Incident – an event that disrupts normal activities and may
become a loss, claim or business interruption
Accident – an unplanned event, definite as to time and place,
that results in injury or damage to a person or property
Occurrence – an accident with the limitation of time removed
(an “accident” that is extended over a period of time rather than
a single observable happening)
Loss – a reduction in value
Claim – a demand or obligation for payment as a result of a loss
Frequency – the number of losses occurring in a given time
period
Severity – the dollar amount of a given loss or the aggregate

dollar amount of all losses for a given period
Expected losses – projection of the frequency and/or severity of
losses based on loss history, probability distributions, and
statistics; the expected loss projection is commonly called a
“loss pic” or “loss pick”
General Classes of Risk
Economic – risks arising from operations, economy, financial
marketplace or entrepreneurial activities
Legal – risks inherent in compliance or arising from statutory
liability
Political – risks arising from changes in the law, government
reinterpretations or changes in government policy
General Classes of Risk
Social – risks arising from public relations, loss of reputation,
damage to brand, cultural issues, social direction or social
media
Physical – risks arising from property, people, or information
Juridical – risks arising from a jury or judge’s decision or from
court or jury attitudes

Discuss the definition of risk management and the five steps of
the risk management process.
II. Risk Management
Definition of risk management
Similar to “risk,” risk management has many definitions. For
purposes of the CRM program, the definition of risk
management is as follows:
“The process of managing uncertainty of exposures that affect
an organization’s assets and financial statements using five
steps: identification, analysis, control, financing and
administration.”
Risk Management
This process can address pure risks only (traditional risk
management) or pure and speculative risks (enterprise-wide risk
management).
The focus of the process is two-fold:
Protect the assets of the organization, and
Protect the financial statements of the organization
The Risk Management Process
Five Steps of the RM Process
Risk Identification
Risk Analysis
Risk Control
Risk Financing
Risk Administration

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The Risk Management Process
Risk Identification – the process of identifying and examining
exposures of an organization.
Identification is the most important step of the risk management
process because an exposure and/or risk must be identified
before it can be effectively analyzed, controlled, or financed.
Risk Identification
Four logical classifications of exposures
Property
Human Resources
Liability
Net income
Risk Identification
Ten methods of exposure identification
Checklist and survey
Flowchart
Insurance policy review
Physical inspections
Compliance review
Procedures and policies review
Contract review

Experts
Financial statement analysis
Loss data analysis
Risk Analysis
Risk Analysis – the assessment of the potential impact of
various exposures to an organization
Qualitative analysis – the “what” analysis
Risk assessment – used to identify and assess those loss
exposures that cannot be easily measured by traditional
statistical or financial methods and to understand their impact
on the organization’s ultimate risks and performance
Risk Analysis
Financial assessment – used to identify and assess those broad
loss exposures that have a financial impact on the organization
but that may be difficult to quantify
Loss data assessment – used to identify and apply various
methods of assessing loss data and to analyze the impact those
losses may have on the organization’s risk management policy
and the ultimate total cost of risk
Risk Analysis
Quantitative analysis – the “how much” analysis; attempts to
accurately measure risks by using acceptable traditional
methodologies which calculate relative values
Loss projections or forecasts
Cash discounting and net present value (NPV) calculations
Cost-benefit analyses

Total cost of risk calculations and analyses
Risk Control
Risk Control – any conscious action or inaction to minimize, at
the optimal cost, the probability, frequency, severity, or
unpredictability of loss
General theories of risk control
Human approach – people cause accidents
Engineering approach – things and energy cause accidents
Systems approach – systemic failures or weaknesses cause
accidents
Risk Control
Five techniques of risk control
Avoidance
Prevention
Reduction (pre-loss and post-loss)
Segregation/separation/duplication
Transfer (contractual, physical or both)
Risk Financing
Risk Financing – the acquisition of internal and external funds
to pay losses at the most favorable cost
Retention – internal funds used to pay losses
Active (planned)
Passive (unplanned)

Risk Financing
Transfer of financial responsibility – external funds used to pay
losses
Non-insurance contractual transfer of control or responsibility
for an exposure
Non-insurance contractual indemnification or financial
responsibility
Insurance – equitable financing of risks, from one entity to
another, in exchange for payment
Risk Administration
Risk Administration
Implementation
Monitoring
Discuss the components of the total cost of risk and its use as a
key risk management tool.
III. Total Cost of Risk (TCOR)
Definition: sum of all quantified costs and expenses associated
with the risk management function of an organization
TCOR = insurance costs + retained losses + risk management
departmental costs + outside services fees + quantified indirect
costs

TCOR
Components of TCOR
Insurance costs
Retained losses (passive or active) and associated loss
adjustment expenses
TCOR
Risk management departmental costs
Salaries
Administrative charges, e.g., training and travel expenses
Employee benefits
Risk management information system
Management overhead
Other departmental costs
TCOR
Outside services fees
Risk management consultants
Third-party administrators and other vendors
Loss control
Actuarial
Legal
Fee-for-service insurance brokers
TCOR

Indirect costs – these costs cannot be precisely measured;
therefore, the impact of non-quantifiable indirect costs should
be included as part of the qualitative assessment of risk
Disruption in production/sales
Management time spent on loss-related activities
Overtime costs
Hiring and training replacement costs
Opportunity costs
Loss of goodwill
Social costs (public image, reputation, etc.)
TCOR
Objective of the risk manager – to minimize the TCOR by
identifying those factors from each component that can be more
effectively managed and controlled
TCOR
Impact of a Loss on TCOR and Sales/Revenue
Regardless of whether or not the organization includes the
TCOR in the pricing of its products or services, any loss that is
prevented or reduced improves the financial results of the
organization.
TCOR
Steps to measure the impact of loss on sales or revenue
Determine the profit margin of the organization
Divide the loss cost by the profit margin. The result is the sales

or revenue required to pay for the accident.
TCOR
TCOR
The TCOR is used as a key risk management tool to:
Making effective risk management decisions
Measuring progress toward risk management objectives
Focusing on and promoting safety and loss control by
communicating the financial impact of a loss on the TCOR and
sales/revenue
TCOR
Providing management and employee incentives
Pricing of products and services
Assisting with effective management of financial budgets

Discuss the uses of risk analysis and the necessary tools to
perform a risk analysis.
IV. Risk Analysis
Uses of risk analysis
Prioritization of risk factors
Verification of loss data
Classification of loss data
Prediction of losses and ranges of losses
Cost-benefit decision making
IV. Risk Analysis
Net present value (NPV) analysis
Review of insurance program structure to determine:
Viability of a retention program
Amount of retention
Insurance purchasing decisions, including limits of liability
Risk Analysis
Risk analysis tools
Tools used to assess the likelihood an event will occur
Loss analysis
Risk mapping or risk factor analysis

Probability analysis
Linear regression
Risk Analysis
Tools used to assess the impact of the event should it occur
Payback analysis and accounting rate of return
Cost-benefit analysis
NPV analysis
Internal rate of return (IRR) method
Review of Learning ObjectivesDiscuss the definitions of risk
and the general classes of risk. Discuss the definition of risk
management and the five steps of the risk management process.
Discuss the components of the total cost of risk and its use as a
key risk management tool. Discuss the uses of risk analysis
and the necessary tools to perform a risk analysis.
Thank you!
*
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© 2013 Certified Risk Managers International. All Rights
Reserved.
Learning Objectives
1. Discuss the purposes of qualitative and quantitative analysis
and characteristics of each. (p. 4)
2. Explain measurement scales and areas of qualitative analysis.
(p. 7)
3. Discuss the assessment of broad loss exposures that may have
a financial impact on the organization but may be difficult to
quantify. (p. 14)
4. Explain the purpose, characteristics of quality loss data, and
the basic ways loss data can be organized for analysis. (p. 17)
5. Discuss risk mapping and how it is used as a key risk
management tool. (p. 24)
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Skills Application Case
Diamond Creek Resorts International, Inc. (DCRI)
DCRI is one of the leading organizations in the hospitality
sector.

It operates six resort hotels in destination locations, and
provides
five star lodging, fine dining, championship golf courses,
casinos,
top-flight entertainment, up-scale shopping, luxury spas, and
business meeting facilities in North America.
DCRI resort hotels are described as follows:
mond Creek Coastside, located on the Pacific coast north
of San Diego. This facility features a golf course, spa,
shopping complex, and convention center.
Tahoe. This facility features a golf course, spa, ski complex,
a casino, and entertainment center.
facility features two golf courses, a luxury spa, a meeting
center, an up-scale shopping complex, and a variety of water-
related activities, including parasailing and scuba/snorkeling
cruises.
facility features a spa, shopping complex, a casino,
entertainment venue, convention center, and operates a fleet
of tour buses that includes a Broadway tour as well as
sightseeing and gaming tours on the Atlantic coast from
Maine to Virginia.

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cated in French Lick, Indiana
(the hometown of NBA great Larry Bird). This facility
features a world-class spa, golf, and convention center, and
operates bus tours to nearby historic and scenic sites.
o. This
facility features golf, a spa, and water-related activities such
as parasailing, scuba, snorkeling, deep-sea fishing, and tours
into the jungle to visit the Mayan ruins at Tikal, Chichen Itza,
and other notable sites.
All sites have luxury hotels with a wide array of food service,
ranging from snack shops to buffets to upscale fine dining.
DCRI maintains its corporate office in Denver, where the
corporate
jet is kept at the Denver International Airport. It has a fully
staffed
risk management department headed by Mary Donner, CRM,
CIC.
She is ably assisted by two risk analysts, a safety professional,
and
a claims administrator. Mary reports to Sarah Parker, the DCRI
Chief Financial Officer.

Sarah and Mary, as the CFO and risk manager, know much more
about DCRI and its operations than do Rachel and Ralph, the
account executive and CSR of Invino Veritas Insurance Brokers,
even though Rachel and Ralph have handled the DCRI account
for
five years. They placed the property and liability insurance
coverage with AGEM Insurance Company five years ago, when
Rachel’s brother, Frank, was the lead underwriter. Frank left
AGEM last year and was replaced by Kim.
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Learning Objective #1: Discuss the purposes of qualitative and
quantitative analysis and characteristics of each.
I. Qualitative Analysis
A. Purposes
1. The “what” analysis
2. Identification and evaluation of loss exposures that
cannot be easily measured by traditional statistical
or financial methods
3. Attempts to assign relative values to determine
implications and scope of effects risks have on an
organization; does not try to assign hard financial
values to assets, expected losses and cost of
controls

4. Helps management understand the potential impact
of the organization’s ultimate risks on performance
B. Characteristics
1. Conducted using questionnaires, surveys, task
forces, workshops and collaboration with a variety
of internal and external knowledgeable groups
related to an organization
2. Frequently addresses the following questions:
a. Should we do this?
b. What is the impact on the organization’s
reputation or morale?
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II. Quantitative Analysis
A. Purposes
1. The “how much” analysis
2. Attempts to accurately measure risks by using
acceptable traditional methodologies to calculate
relative numerical values
B. Characteristics

1. Conducted by using analysis of losses, exposures,
costs, benefits and financial statements
2. Frequently addresses the following questions:
1) Can we do this?
2) What is the financial impact of this?
III. Reasons to use both Qualitative and Quantitative Analyses
A. Valid answers are needed, e.g., predicted losses, value
of claims
B. Costs and benefits are primary factors of decision
making
C. Non-monetary factors are part of the decision-making
process, e.g., reputation, morale and citizenship
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copyright wlrichard
Risk Analysis
Exposure
Analysis

Statistical
Analysis
Qualitative
Quantitative
Financial
Analysis
Evaluation/
Ranking
Risk
Analysis
Decision
Management
Appetite
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Learning Objective #2: Explain measurement scales and areas
of qualitative analysis.
II. Measurement Scales of Qualitative Risk Exposures
A. Identification methods should be used to analyze those
qualitative risks that could have a potentially harmful
impact on the organization, although they are not subject
to financial measurements
B. Measurement scales depict relative values that are not
easily quantified
1. Critical risks – assigned to a level to capture their
critical nature to the organization, e.g., losses that
could bankrupt the organization, threaten survival
or stop operations
2. Important risks – could result in losses that would
require the organization to borrow external funds
to continue operations
3. Less important risks – could result in losses with a
low financial impact that would not harm
operations or could be paid from existing cash
flows
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C. Severity level measurement scales

1. High severity
2. Moderate severity
3. Low severity
D. Probability or frequency level measurement scales
1. High likelihood of occurrence
2. Moderate likelihood of occurrence
3. Low likelihood of occurrence
Commentary: One organization might use
critical/important/less
important to depict the critical nature of the risks to the
organization.
Another organization might use critical/high importance/less
importance/trivial to differentiate the critical nature of risks.
The severity level or probability level could be a four or five
tier scale,
perhaps including “extremely severe” or “extremely unlikely.”
There
is no one absolute measure scale structure.
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III. Areas of Qualitative Analysis
A. Management’s appetite for risk
1. Company history
2. Long-term objectives
3. Growth mode or stage in growth cycle
4. Financial stability
5. Market maturity
6. Competition and the need to take risks
7. Public image
8. Appetite for risk vs. financial ability
A. Management’s appetite for risk
B. Innovation, product development, and marketing
C. Contractual
D. Compliance and regulatory requirements
E. Safety (internal and external)

F. Social responsibility and citizenship
G. Internal policies
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B. Innovation, product development, and marketing
1. Criticality to the organization
2. Market positioning and market share
3. Competition
4. State-of-the-art product development
5. Business interruption exposure
6. Technology
7. Production capacity
8. Degree of automation/Internet marketing
9. Nature of operations, e.g., inherently hazardous
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C. Contractual
1. Enforceability of hold harmless and
indemnification agreements under applicable
jurisdictions
2. Willingness and financial ability of other party to
perform
3. Financial capability and attitude of insurers
providing additional insured status and
contractual liability
D. Compliance and regulatory requirements
1. Industry subject to heavy regulation
2. Management awareness of regulatory
governmental requirements
3. Possible industry and voluntary regulation
4. Penalties, fines, and public image
5. History of enforcement
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E. Safety (internal and external)
1. Union concerns related to safety
2. Ergonomic audits
3. Existence of safety programs
4. Level of management support for safety programs
5. Ability to recruit and retain work force
6. Implications on employee productivity
7. Crisis management plan
8. Disaster recovery
9. Security plan
10. Possibility of terrorism
F. Social responsibility and citizenship
1. Industry profile – high or low
2. Management’s concern with reputational risks
3. Effect of negative press
4. Use of outside auditors

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G. Internal policies
1. Audit and oversight
a. Internal
b. External
c. Board involvement
2. Employment issues
a. Leasing
b. Contract
c. Seasonal
d. Mobile workforce
e. Employment Practices Liability (EPL)
3. Product guarantees
4. Product recall
5. Ethics policies and procedures

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Learning Objective #3: Discuss the assessment of broad loss
exposures that may have a financial impact on the organization
but may be difficult to quantify.
IV. Financial Assessment
A. Purpose – to identify and evaluate those broad loss
exposures that may have a financial impact on the
organization and are difficult to quantify
1. Revenue growth
a. Relative to increase in expenses and fixed
costs
b. Improvement of market share compared to
overall growth in market
c. Compared to competition either in industry
or trade area
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2. Profitability
a. Criticality

1) Importance of profitability to the
organization
2) Organization’s profit margin
3) Nature of organization
4) Stage of growth cycle
5) Shutdown
b. Adequacy of return, e.g., total dollars,
earnings per share, profit margins
1) Management’s overall expectations
2) Budget
3) Enough return on its investments to
fund other opportunities
c. Industry standard – comparison to the
industry and competitors
d. Stockholder expectations
e. Management implications – bonuses, stock
options
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3. Financial capacity – the organization’s ability to
fund projects, activities, etc.
a. Current needs vs. future opportunities
b. Retention vs. transfer options
c. Liquidity and cash flow
d. Long-term debt and cost of capital
1) Credit rating
2) Borrowing costs
3) Outstanding letters of credit
e. Retained earnings
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Learning Objective #4: Explain the purpose, characteristics of
quality loss data, and the basic ways loss data can be organized
for analysis.
V. Loss Data Analysis
A. Purpose – application of various methods of analyzing
loss data to identify and understand the potential impact

those losses may have on the organization’s risk
management program and the total cost of risk
B. Characteristics of quality loss data – without a reliable
degree of comfort in each of the following areas, the
credibility of loss analyses suffer
1. Completeness
a. Enough loss data (frequency); a rule of
thumb is at least 5 years of data, preferably
10+ years and at least 30 data points per year
b. Adequate details about each data record, e.g.,
date of loss, person causing loss or person
injured, cause of loss, type of loss, dollar
value of loss
c. Understanding components of paid and
reserve amounts, e.g., allocated loss
adjustment expenses (ALAE), incurred but
not reported (IBNR), defense costs
ANA:2:11/13 - 18 -
Reserved.
2. Consistency
a. Same types of data should be provided for
each data record, e.g., type, cause, time,
claimant name, length of employment

b. Consistent policy year, data record year, or
calendar year; a change might mean the data
would need to be interpolated to ensure
consistency
c. Consistent recording methodology, e.g., from
one carrier or TPA to another; a change
might mean the data would have to be
interpolated to ensure consistency
3. Integrity
a. Data should be current
b. Data should be checked for accuracy related
to the type of information and reserves from
its sources, e.g., insurance carrier, TPA, or
in-house claims management
ANA:2:11/13 - 19 -
Reserved.
4. Relevancy Date should be current
a. Data that yields information on matters about
which the organization is concerned
b. Discontinued or divested operations –
the terms of the divestiture or nature of the
discontinued operations determine the

existing or future liabilities that should be
included in the data; normally, data from
operations that are no longer a part of the
organization, whether through divestiture,
discontinued operations, or transferring
exposure to third parties, e.g., leased
employees
c. Acquired operations – loss data from an
acquired operation should not be included if
the organization is only acquiring a portion
or particular operation of the other company;
for example, if the organization acquires the
restaurant operation of a diverse company, it
is not necessary to include the loss data
related to the meat processing operation
because it is not relevant to the continuation
of operations
d. Commingling of data – data from diverse
operations (as in above example of
restaurants and meat processing plants)
should not be commingled; the data from one
operation is not relevant to the other because
the frequency, severity, types, and causes of
loss will not be consistent
ANA:2:11/13 - 20 -
Reserved.
e. Data not relevant to the loss – extraneous
data should not be included even if it is

consistent, accurate, and timely
C. Organizing loss data
1. Four classifications of types of losses
a. Property
1) Real property vs. personal property
2) Location of property
3) Perils causing loss
a) Human perils, e.g., arson, pollution
b) Economic perils, e.g., strikes,
obsolescence, inflation
c) Natural perils, e.g., hail,
earthquake, hurricanes
4) Large loss report
ANA:2:11/13 - 21 -
Reserved.
b. Human resources
1) Employee injuries
a) Length of employment when

injured
b) Accident repeaters
c) Cause of injury
d) Type of injury
e) Body part injured
f) Evaluation of time intervals
g) Location of accident (whether
company location or another
location, etc.)
h) Any other appropriate, relevant or
meaningful categorization
2) Termination
3) Retirement
ANA:2:11/13 - 22 -
Reserved.
c. Liability
1) Litigation report

2) Large loss report
d. Net income
1) Net income losses – decrease of net
income or increase of expenses
2) No loss reports/information for net
income losses
ANA:2:11/13 - 23 -
Reserved.
D. Frequency and severity
1. Pareto Principle – 80/20 rule – 20% of the causes
will result in approximately 80% of the problems
2. Number and cost of losses
a. In each severity range
b. At each location
c. By line of coverage
d. By type of loss
e. By type of injury

f. By length of employee’s service
g. Other demographic data
ANA:2:11/13 - 24 -
Reserved.
Learning Objective #5: Discuss risk mapping and how it is
used as a key risk management tool.
VI. Risk Mapping
A. Risk mapping – a visual analytical tool from which all
risks of an organization can be identified and the
potential impact can be understood
B. Risk maps are useful in the following ways:
1. Serve as a powerful representation of an
organization’s vulnerability to unforeseen loss
exposures and may be simple or complex
2. Used to convey important risk information in
concert with the risk manager’s recommendations
to senior management
3. Support certain risk control decisions
4. Assist with risk financing decisions

5. Model the effects of potential exposure scenarios
that might develop in the future
6. Track risk reduction results
7. Monitor changes in exposures over time
ANA:2:11/13 - 25 -
Reserved.
C. A simple risk map consists of a graph divided into
four quadrants, each reflecting a different blending
of frequency and severity characteristics for each risk
A Simple Risk Map
The arrows, in the above exhibit, represent the desired
movement of
the risk exposures – from right to left. Risks that can be placed
in
quadrant four tend toward low frequency and low severity.
Each
quadrant relates to costs – the further up and to the right, the
more
costly the risk. Ideally, organizations take precautions to avoid
or
transfer the effects of risks that represent extreme frequency
and
severity. Risks that inhabit Quadrant One can be considerably
dangerous. Low frequency means that actuarial predictability is

extremely low or nonexistent, yet the severity of potential
losses is
high.
High
Low
High Frequency Low
Foreign Currency
Fluctuations
Public
Liability
Credit Risk
Workers
Compensation
Earthquake
One Two
Three Four
Severity
ANA:2:11/13 - 26 -
Reserved.
VII. Summary

A. Non-quantifiable risks are subject to identification and
analysis
B. Qualitative risks that are not analyzed can cause
significant losses
C. Qualitative risk analysis requires a different type of
thought process from that of quantitative risk analysis
D. Qualitative risk analysis techniques should be used in
conjunction with quantitative risk analysis techniques
ANA:2:11/13 - 27 -
Reserved.
Skills Application Scenario #1
Mary is helping Sarah prepare for a meeting with senior
management related to the importance of the risk management
department and how it supports the overall financial and
operational goals of DCRI. In the past, several of the general
managers of the locations have been less than supportive of
Mary’s
risk management program initiatives, and Sarah wants to
reestablish the organizational buy-in at the senior management
level
for risk management. Mary suggested they could illustrate how
risk management supports the organization by using a risk map.
Sarah was not familiar with the concept, and she asked Mary to

prepare the map and explain it to her using risk management
issues
that would be important and relevant to most of the general
managers. Mary suggested depicting earthquake, the risks
inherent
in extending credit to their high-stakes gamblers who frequent
the
casinos, foreign currency fluctuations, general liability, and
theft of
guest room towels and bathrobes by guests. Please mark these
exposures on the below map.
High
Low
High Frequency Low
One Two
Four Three
Severity
ANA:2:11/13 - 28 -
Reserved.

Skills Application Scenario #2
DCRI purchased and opened the Atlantic City facility in X1
from
an organization that had been operating a hotel and casino for a
number of years. It made several additions in the first year of
business such as the spa and shopping complex.
The staff of the Atlantic City facility is comprised of employees
of
DCRI except the security personnel in the cash counting room
and
the casino floor security. Security is provided by Dogberry
Watchman Services, an independent contractor providing
security
services to a number of Atlantic City gaming operations.
Mary has learned of a serious workers compensation injury
occurring to a casino worker in the Atlantic City facility. In her
preliminary investigation, she learned the employee, a slot
attendant
working the high stakes area, was attacked by an inebriated
patron
who had lost a sizable amount of money on a $25 dollar slot
machine. Curious as to whether or not this type of loss was
common, she requested a detailed report of all losses for the
past
five years. The following table represents a summary of the last
five years of financial and employee injury loss information
valued
as of 12/31/X5.

ANA:2:11/13 - 29 -
Reserved.
01/01 -
12/31
Total #
Claims
For
Record
Only
Claims
Total
Incurred
Claims
Revenues # Emp Payroll
X1 156 47 $125,986 $27,400,000 494 12,350,000
X2 115 38 $469,091 $30,700,000 535 13,910,000
X3 148 33 $386,550 $32,600,000 543 15,204,000
X4 192 88 $291,555 $34,100,000 552 17,112,000
X5 138 45 $357,171 $35,800,000 565 18,080,000
The increase in loss experience in X2 prompted Mary’s

predecessor
to hire a safety consultant to develop a safety and loss control
program. After this program was established, losses declined
until
X5 even though the number of employees and payroll increased.
However, this trend ended with the injury to the slot machine
attendant resulting in an incurred loss of $172,000.
Mary considered the nature of the exposures for DCRI Atlantic
City. The exposures included employee injuries, property
damage
and liabilities associated with automobiles, slips and falls by
third
parties while on the premises, criminal acts against patrons and
employees, and professional liability associated with casino and
hotel security staff providing EMT care to patrons and visitors.
ANA:2:11/13 - 30 -
Reserved.
Mary drafted a memorandum report for her future use and to
share
with Sarah, the CFO, addressing the following issues:
Qualitative and Financial Analysis Questions
1. What potential exposures does the use of independent
contractors present to DCRI?
What potential exposures might be avoided by the use of

independent contractors?
2. Is there a correlation between the annual trend in total # of
employee injury claims and revenue?
Is there a correlation between the annual trend in total # of
employee injury claims and number of employees?
Is there a correlation between the annual trend in total # of
employee injury claims and payroll?
Which is the better predictor of the number of employee
injury claims? Why?
Is there any exposure basis that might be a better predictor?
Why?
ANA:2:11/13 - 31 -
Reserved.
3. Is there a correlation between the annual trend in total dollars
of incurred claims and revenues?
Is there a correlation between the annual trend in total dollars
of incurred claims and number of employees?
Is there a correlation between the annual trend in total dollars
of incurred claims and payroll?
Which is the better predictor of total dollars of incurred
claims? Why?

Is there any exposure basis that might be a better predictor?
Why?
ANA:2:11/13 - 32 -
Reserved.
4. Indexes of information
a. Five year revenue growth % = 131%
b. Five year employee growth % = 114%
c. Five year payroll growth % = 146%
d. Five year total # claims growth = 88%
e. Five year total incurred $ growth = 285%
f. Change in revenues per employee = 14%
g. Change in payroll per employee = 28%
h. Change in payroll as a % of revenues – 12%
i. Change in # losses per employee = (23%)
j. Change in average $ of incurred loss per claim = 220%
k. Change in average $ of incurred loss per employee =
148%

ANA:2:11/13 - 33 -
Reserved.
5. Is the DCRI loss experience improving or getting worse?
Explain.
Which of the above ratios support your conclusion?
Which are the best indicators of loss experience trends?
6. Is DCRI becoming more or less productive?
Why or why not?
Which of the above ratios are the better indicators of
productivity?
ANA:2:11/13 - 34 -
Reserved.
Qualitative Analysis Sheet
Major Exposure Areas
Identify
Exposures

Rating
Treatment of
Exposures
Specifics of
Treatment Frequency
Severity
(Impact)
ANA:2:11/13 - 35 -
Reserved.
Review of Learning Objectives
1. Discuss the purposes of qualitative and quantitative analysis
and characteristics of each. (p. 4)
2. Explain measurement scales and areas of qualitative analysis.
(p. 7)
3. Discuss the assessment of broad loss exposures that may have

a financial impact on the organization but may be difficult to
quantify. (p. 14)
4. Explain the purpose, characteristics of quality loss data, and
the basic ways loss data can be organized for analysis. (p. 17)
5. Discuss risk mapping and how it is used as a key risk
management tool. (p. 24)
ANA:2:11/13 - 36 -
Reserved.
Notes

**CardStock**
Certified Risk Managers
International
a proud member of The National Alliance for Insurance
Education & Research
www.TheNationalAlliance.com
Loss Data
© 2010. The National Alliance for Insurance Education &
Research. All Rights Reserved. This outline or any part thereof
may not be reproduced

in any form or by any means or stored in any information
retrieval system without the express written consent of the
author.
This publication includes copyrighted material of Insurance
Services Office, Inc. with its permission.
**CardStock**
International

Appendix
author.
**CardStock**

International
Loss Data
author.
Diamond Creek Resort International (DCRI) Loss Run
Chronological

Date
Employee
Name
Type
Length of
Emp.
(Months)
Cause of
Injury
Type of
Injury
Body Part
Injured
Paid Reserve Total
01/01/X1 Cohn, Deborah MO 6 Bitten by dog Puncture Lower
leg 378 0 378
01/08/X1 Disla, Xiomara MO 20 Fell Off Bike Contusion Mult
body 0 0 0
01/08/X1 Kane, Dean MO 58 Hit by object 130 130
01/09/X1 Morales, Rosanne MO 33 Turned/Wrenched Knee
Strain Knee 2,004 0 2,004
01/11/X1 Lunas, Frances MO 97 Hit by object 48 48
01/12/X1 Walker, Cynthia MO 27 Hit by bottom of door
Laceration Toe 60 60
01/13/X1 Beals, Marta MO 13 Bitten by ants Inflamation Hand
0 0
01/18/X1 Benton, Katherine MO 1 Unknown Contagious
Disease Int organs 0 400 400

01/19/X1 Delburn, John MO 3 Punctured by fish hook
Laceration Finger 286 286
01/25/X1 Benoit, Louise MO 2 Lifting guest from floor Strain
Back 0 0
01/27/X1 Crightower, Mark MO 4 Pushed by customer
Contusion Arm 0 0
01/27/X1 Writz, Julia MO 6 Slip/fall Contusion Head 83 83
01/29/X1 Dumes, Holly MO 25 Hit by customer Contusion Face
48 48
02/02/X1 Roeder, Vicki MO 8 Hit by customer Contusion 48 48
02/02/X1 Gonzalez, Leslie MO 8 Tripped getting out of tour bus
Contusion Face 46 0 46
02/02/X1 Mack, Pamela MO 36 Fell while skiiing Strain Finger
404 0 404
02/03/X1 Herrera, Raymond MO 2 Hit by customer Contusion
Nose 156 156
02/05/X1 Porter, Sherry MO 8 Hit by customer
Bruise/laceration Face 143 143
02/16/X1 Vazquez, Jose MO 1 Pushed by customer Contusion
Elbow 0 0
02/16/X1 Shropshire, Vincent MO 18 Injesting prepared food
from kitchen Pain Stomach 0 0
02/16/X1 Kirkpatrick, Billy MO 1 Restraining intoxicated guest
Strain Back 64 64
02/16/X1 Hebert, Michael MO 6 Slip/fall Contusion Knee 281
281
02/17/X1 Stein, Elmer MO 5 Restraining intoxicated guest 445
445
02/17/X1 Fitts, Kenneth MO 102 Seizure Laceration Head 150
150
02/21/X1 Thompson, Janet MO 6 Make Photo
Copies/Reach/Struck Head Contusion Face 77 0 77
02/23/X1 Corville, Lynda MO 1 Shoved by customer Contusion
Hand 265 265
02/23/X1 Wiblin, Enid MO 9 Tripped fell over scuba equipment
Strain Foot 98 0 98

03/06/X1 Kelley, William MO 4 Pushed by customer Contusion
Arm 0 0
03/06/X1 Cilles, Sharon MO 1 Fell Going Up Stair Strain Mult
body 733 0 733
03/06/X1 Henry, Laura LT 55 Hit Rt Knee On Chair/Fell To
Floor Strain Knee 1,183 0 1,183
03/08/X1 Hickson, Sheila MO 3 Cleaning solvent Inflamation
Mult body 68 0 68
03/09/X1 Frank, Michele MO 53 Assulted by customer Sprain
Thumb 198 0 198
03/11/X1 Bagelowe, Samatha MO 1 Hit by customer Contusion
Face 0 0
03/15/X1 Holmes, Catherine MO 1 Slapped by customer
Contusion Face 0 0
03/16/X1 Bagelowe, Samatha MO 1 Shoved by customer
Contusion Upper arm 0 0
03/16/X1 Alvarez, Susan MO 4 Sorting Bags/Boxes Spider Bit
Her Puncture Hand 319 0 319
03/17/X1 Bruce, Ruby MO 6 Hit setting up banquet sign
Laceration Face 805 805
03/18/X1 Corder, Steven MO 13 Scratched by fence Scratch
Hand 0 0
03/18/X1 Wright, Sally MO 5 Slip/fall Contusion Elbow 0 0
03/25/X1 Dick, Diane MO 25 Hit by customer Contusion Nose 0
0
03/29/X1 Walsh, Jay MO 42 Restraining intoxicated guest
Scratch Hands/arms 0 0
03/29/X1 Weidler, Davis MO 7 Restraining intoxicated guest
Scratch Hands/arms 0 0
03/29/X1 Pender, Joan MO 3 Sitting In Chair/Pushed Chair Out
Strain Back, lower 246 0 246
03/29/X1 Deleanides, Rebecca MO 4 Slip/fall 423 423
03/29/X1 Towns, Mary MO 7 Slipped On Wet Floor Strain Knee
0 0 0
04/01/X1 Frazier, Patty MO 1 Automobile accident Strain Neck
0 0

04/02/X1 McGuire, Tim MO 66 Trimming Trees Inflamation
Mult body 92 0 92
04/04/X1 Writz, Julia MO 10 Slip/fall Fracture Coccyx/head
134 134
04/05/X1 Gregson, Lori MO 9 Esposure to weather Heat
exhaustion Int organs 0 0 0
04/12/X1 Campbell, Mary MO 8 336 336
04/14/X1 Debroux, Teresa MO 8 Pushed by customer Contusion
Arm, upper 63 0 63
04/14/X1 Levey, Darlene MO 8 Disarming Alarm System/Loud
Contusion Ear 699 0 699
04/17/X1 Ames, Elise MO 7 Slip/fall on Wet Floor Strain
Extremities, lower 247 0 247
04/18/X1 Tate, Mark MO 2 Slip/fall 120 120
04/18/X1 Gonzalo, Margaret MO 11 176 176
04/19/X1 Bennett, Maryanne LT 1 Lifting guest who had fallen
Strain Back 3,428 3,428
04/20/X1 Chittum, Steven MO 16 Installing steel cable
Laceration Hand 144 144
04/20/X1 Yarborough, James MO 12 Lifting Strain Shoulder 88
88
04/23/X1 Mayfield, Hattie LT 6 Automobile accident Strain
Back 5,359 5,359
04/27/X1 Scott, Carolynn MO 182 Stood On Chair/Fell Off
04/28/X1 Fuentes, Carmen MO 14 Slip/fall Contusion
Knee/elbow 186 186
04/29/X1 Ewardson, Tasha MO 8 Assulted by customer
Laceration Neck 249 0 249
04/29/X1 Miles, Angie MO 69 Lifting Table/Put It Down Strain
Mult body 122 0 122
05/01/X1 Smith, Shelly MO 24 Grabbed by customer Contusion
Wrist 0 0
05/01/X1 Davis, John MO 6 Hit by customer Contusion Face 0 0
05/03/X1 Williams, Paula MO 93 Tripped Over Tool Box On
Floor Contusion Knee 91 0 91

05/05/X1 De Pedro, Dayren LT 4 Carrying Box Of Files Slipped
Fell Contusion Mult body 403 0 403
05/05/X1 Cherry, Farah LT 8 Carrying Files To Car Strain Neck
3,030 0 3,030
05/05/X1 Garcia, Rosy MO 94 Hit by object Laceration Finger 0
0
05/09/X1 Meissler, Sharon MO 8 Slip/fall Bruise Knuckles 0 0
05/14/X1 Ferreira, Carlos MO 26 Drill Concrete Bit Jammed Hit
Knee Contusion Knee 0 0 0
05/17/X1 Fontenot, John MO 8 Shoved by customer Sprain
Thumb 72 72
ANA:2:Loss Data:0509 -1- © 2009 Certified Risk Managers
International
All Rights Reserved
Chronological
Date
Employee
Name
Type
Length of
Emp.
(Months)
Cause of
Injury
Type of

Injury
Body Part
Injured
Paid Reserve Total
05/22/X1 Crawford, Debbie MO 10 Automobile accident
05/31/X1 Houston, Jeanine MO 27 Automobile accident
Contusion Mult body 387 0 387
05/31/X1 Damore, Patrick MO 4 Skiing Sprain Shoulder/wrist
181 181
06/03/X1 Rutecki, Jenifer MO 23 Hit by fishing rod Contusion
Chest 0 0 0
06/04/X1 White, Diane MO 9 Slip/fall On Bathroom Floor
06/06/X1 Howard, William MO 6 Lifting guest Strain Back 163
163
06/09/X1 Clarke, Arminda MO 32 Automobile accident/ at fault
06/10/X1 Belma, Alicia MO 9 Lighting pilot light Burn Face 91
91
06/12/X1 Martens, Judith MO 31 Automobile accident
Contusion Chest 108 0 108
06/20/X1 Weidler, Davis MO 10 Scratched by fence Laceration
Arm 0 0
06/22/X1 Boyd, Alva MO 18 Caught hand in drawer Contusion
Thumb 0 0
06/22/X1 Kelly, William MO 7 Grabbed by customer Contusion
Neck/back 0 0
06/28/X1 Kemp, Deborah MO 10 Carrying Strain Extremities,
upper 81 0 81
06/30/X1 Kiley, Marcus MO 66 Sprain Wrist 535 535
07/01/X1 Williams, Albert MO 20 Stepped on nail Puncture
Foot 60 60

07/06/X1 Seals, Pamela MO 12 Lifting guest Strain Back 94 94
07/07/X1 Hayes, Larry MO 55 Hit by employee Contusion Eye
60 60
07/11/X1 Dormus, Cheri MO 1 Grabbed parasailing guest
prevent fall Strain Mult body 0 4,900 4,900
07/13/X1 Couch, Deborah MO 1 Hit by customer Contusion
Arm 0 0
07/15/X1 Brown, Penny MO 16 Pushed Forward In Chair Hit
Head Contusion Face 0 0 0
07/23/X1 Frazier, Patty MO 4 Automobile accident
Strain/sprain Whole body 0 0
07/26/X1 Gregory, Katherine LT 7 Grabbed parasailing guest
Fracture Ankle 7,849 0 7,849
07/27/X1 Bottorff, Karen MO 4 Shoved by customer Contusion
Hand 0 0
07/27/X1 Goodman, Ena LT 3 Stepped on uneven ground
Contusion Foot 5,402 5,402
08/01/X1 Marcado, Maria MO 2 Exposure to Scabies from guest
Contagious Disease Mult body 0 0 0
08/01/X1 Washington, Johnnie MO 2 Hit by customer Bruise
Shoulder 171 171
08/02/X1 Fontenot, John MO 11 Slip/fall Strain Back 223 223
08/03/X1 Wallos, Lucrece MO 7 Triming trees Foreign object
Eye(s) 62 0 62
08/07/X1 Villa, Nubia MO 123 Carrying Computer/Fell Strain
Foot 0 0 0
08/07/X1 Furqan, Delores MO 175 Standing On Chair/Fell Off
08/07/X1 Meyers, Jenna LT 4 Tripped Over Step Outside
Fracture Mult body 894 40,106 41,000
08/18/X1 Bradley, Lenell MO 6 Exposure to disease from guest
08/19/X1 Perez, Guerillo LT 8 Lifting Buckets Full Of Coins
Strain Int organs 3,772 0 3,772
08/22/X1 Moore, Alfred MO 125 Hit by golf ball Laceration
Cheek 115 115

08/24/X1 Tate, William LT 64 Lifting Bureau For Bedroom
Strain Mult trunk 0 6,000 6,000
08/29/X1 German, Elaine MO 3 Exposure to Impetigo from
guest Infection Extremities, upper 37 0 37
08/31/X1 Cande, Rosemary MO 6 Slip/fall on food on floor
Strain Mult body 0 0 0
09/06/X1 Goodman, Ena MO 5 Hit by golf ball Bruise Leg 0 0
09/17/X1 Allen, Jane MO 4 Automobile accident Contusion
Mult body 0 0 0
09/17/X1 Carter, Amanda MO 1 Bitten by ants
Swelling/inflamation Entire leg 885 0 885
09/17/X1 Ortega, Raul MO 13 Cleaning/Picked Up Box Strain
Mult trunk 0 0 0
09/18/X1 George, Helen MO 51 Hit by falling obj Contusion
Foot 414 414
09/18/X1 Collazo, Ruben MO 36 Moving Banquet Chairs Strain
Back, lower 555 0 555
09/20/X1 Wigley, Maxwell MO 9 Lifting Strain Back 189 189
09/21/X1 Kirby, Andria MO 3 Restraining unruly child at
activity Contusion Face 49 0 49
09/22/X1 Davis, Glenn MO 16 Hit by customer Strain Thumb
166 166
09/26/X1 Benton, Katherine LT 8 Slip/fall on wet grass
Contusion Foot 2,424 0 2,424
09/27/X1 Withers, Vivian MO 77 Slip/fall Strain Ankle/back
149 149
10/02/X1 Rodriguez, Richard MO 6 Automobile accident
10/07/X1 McClanahan, Lizzie MO 9 Lifting/bending Strain
Back 1,994 1,994
10/08/X1 Domenech, Mayda MO 43 Automobile accident
10/08/X1 Duncan, Rebecca MO 2 Child Guest kicked Strain
Lower leg 71 0 71
10/14/X1 Washborne, Margaret MO 20 Rearended By Semi 3
Times Contusion Mult trunk 1,479 0 1,479

10/15/X1 Shepherd, Kelli MO 22 Automobile accident
Laceration Knee 94 0 94
10/15/X1 Wilkins, Julie MO 32 Cut Finger In Sink Drain
Laceration Finger 118 0 118
10/16/X1 McCready, Donald MO 1 Lifting Matress Injured
Back Strain Back, lower 97 0 97
10/16/X1 Merced, Barb LT 90 Repetitive Sweep/Mopping Strain
Wrist 2,385 0 2,385
10/22/X1 Fikes, Otis MO 5 Contact with spa chemical
Conjunctivitus Eye 134 134
10/24/X1 Williams, Kate MO 14 Hit by golf ball Contusion Eye
1,365 1,365
10/27/X1 Waters, Racquel MO 3 Automobile accident Strain
Neck 163 0 163
10/28/X1 Maust, Randall MO 1 Hit by golf ball Contusion Foot
165 165
10/29/X1 Shelton, Judy MO 1 Fell Off Chair Into Drawer
Laceration Wrist 0 0 0
11/01/X1 Bernard, Sebrina MO 2 Skiiing Contagious Disease
Int organs 26 0 26
11/02/X1 Auguillard, George MO 1 Lifting Laceration Finger
170 170
11/05/X1 Penn, Gregory MO 40 Hit Head On Desk Contusion
Face 0 0 0
11/05/X1 Lester, Dana MO 1 Slip/fall on Wet Floor Contusion
Foot 0 0 0
11/08/X1 Bean, Jimmie MO 4 Jumping into boat Mult injuries
Mult body 674 674
11/11/X1 Fuentes, Carmen MO 21 Slip/fall Strain Knee/elbow
165 165
11/16/X1 Repp, Nancy MO 6 Asst Lifting Of Copy Machine
Strain Wrist 92 0 92
11/23/X1 Comache, Rhonda MO 11 Serving food Burn Arm 334
334
11/24/X1 Carraway, Peggy MO 2 Slip/fall Sprain Ankle/back
742 742

12/02/X1 Francis, Diane MO 2 Hit by customer Contusion Face
132 132
International
All Rights Reserved
Chronological
Date
Employee
Name
Type
Length of
Emp.
(Months)
Cause of
Injury
Type of
Injury
Body Part
Injured
Paid Reserve Total
12/06/X1 Grosso, Justine MO 8 Hit by falling equipment

12/06/X1 Legris, Paul MO 22 Student twisted arm Sprain Arm
226 226
12/08/X1 Welch, Yolanda MO 4 Hit by fishing rod Contusion
Face 0 0 0
12/08/X1 Rogerson, Chuck LT 18 Opening paint Laceration
Finger/tendon 11,909 11,909
12/14/X1 Velez, Karen MO 54 Restraining intoxicated guest
Contusion Finger 99 0 99
12/14/X1 Okeefe, Kevin MO 4 Restraining intoxicated guest
Strain Chest 180 0 180
12/15/X1 Vazquez, Jose MO 9 Restraining intoxicated guest
Contusion Nose 132 132
12/22/X1 Homme, Wayne MO 29 Seizure Laceration Head 289
289
12/23/X1 Grosso, Justine MO 8 Tripped getting out of boat
Strain Ankle 122 0 122
12/27/X1 Aguire, Ethan MO 30 Slip/fall Mult injuries Mult
body 278 278
12/29/X1 Brown, Vinda MO 35 Exposed to Hepatitus fom
fellow worker Contagious Disease Int organs 0 0 0
12/29/X1 Simmons, Carlene MO 47 Exposed to Hepatitus fom
fellow worker Contagious Disease Int organs 0 0 0
01/05/X2 Howard, Barbara LT 118 Fell out of vehicle while
cleaning Contusion Leg, lower 406 0 406
01/05/X2 Ortiz, Carmen MO 35 Fell Over Metal Part Of Table
Strain Mult trunk 286 0 286
01/06/X2 Vazquez, Jose MO 10 Restraining intoxicated guest
Contusion Knee/elbow 130 130
01/13/X2 Kourtney, Karoline LT 1 Slipped On Staircase
Twisted Foot Strain Foot 2,203 0 2,203
01/14/X2 Mills, Kimberly MO 3 Restraining intoxicated guest
Strain Knee 50 0 50
01/17/X2 Steinecke, Deborah MO 102 Hit by employee Bruise
Back 205 205
01/19/X2 Rola, Julianne MO 2 Scratched by fence Laceration
Hand 104 0 104

01/19/X2 Wallace, Bennett LT 78 Slip/fall Strain Back 63,007
63,007
01/19/X2 Rhyant, Nancy LT 1 Slip/fall on steps Strain Ankle
1,250 0 1,250
02/03/X2 Ortiz, Maria MO 66 Slip/fall on Wet Floor Contusion
Knee 0 0 0
02/04/X2 Schendel, Jenny MO 5 Slip/fall Bruise/strain
Buttocks/back 198 198
02/14/X2 De, Jan G. MO 3 Hit by ball Contusion Head/back 148
148
02/17/X2 Collins, Herbert MO 43 Pushed by customer
Laceration Hand 117 0 117
02/24/X2 Shephard, Deborah MO 109 Slip/fall Strain Back 217
217
03/01/X2 Blount, Susan MO 5 Driver traveling to office supply
store Contusion Mult body 701 0 701
03/01/X2 Gonzalez, Leslie MO 21 Lifting boxes Strain
Extremities, upper 302 0 302
03/01/X2 Cherry, Natania MO 12 Walking/Foot Twisted/Fell
03/09/X2 Atwood, Rick MO 4 Restraining intoxicated guest
Scratch Face/arm 355 355
03/10/X2 Cande, Rosemary MO 12 Arose From Chair/Fell
03/11/X2 Paradise, Donna MO 11 Pulling Door/Hand Caught
Btwn Frame Laceration Hand 94 0 94
03/12/X2 Wall, Shannon MO 63 Rearended by another vehicle
03/16/X2 Stout, Patricia MO 5 Slip/fall Contusion Knees 1,010
1,010
03/16/X2 Withers, Vivian MO 83 Slip/fall Contusion Knee 125
125
03/20/X2 Gunde, Jan MO 2 Scratched triming landscape Scratch
Nose 0 0
03/23/X2 Dyal, Deorani MO 111 Lifting Paper Off Floor Strain
Knee 0 0 0

03/23/X2 Maze, Carrie MO 3 Spit on by guest Contagious
Disease Int organs 247 0 247
03/31/X2 Dawkins, Victor MO 7 Running To Get Phone Ran
Into Door Contusion Chest 244 0 244
04/03/X2 Gouvia, Vera MO 79 File Cabinet Fell Tried To Stop
It Strain Finger 0 0 0
04/04/X2 Collins, Merline MO 3 Tripped getting out of tour bus
04/16/X2 Perez, Jose MO 11 Hit by child Contusion Int organs
0 0 0
04/17/X2 Evans, Cynthia MO 27 Pushed by customer Abrasion
Arm 110 110
04/22/X2 Chetwynd, Honey LT 4 Fell on skis Fracture Ankle
2,661 0 2,661
04/28/X2 Boynton, Alicia MO 8 Step Off Front Porch Slipped
Sprain Ankle 93 0 93
04/30/X2 Thomas, Harold MO 47 Slip/fall on Wet Leaf In
Parkng Lot Laceration Knee 282 0 282
05/04/X2 Gordon, Claudia MO 148 Van Door Closed On
Fingers Contusion Finger 0 0 0
05/04/X2 Johnson McLeary, Mary MO 2 Walking To Van/Knees
Gave Out/Fell Contusion Extremities, lower 0 0 0
05/05/X2 Homme, Wayne MO 34 Slip/fall Laceration Head 311
311
05/07/X2 Velez, Karen MO 59 Pushed by customer Contusion
Thumb 54 0 54
05/08/X2 Rodriguez, Karen MO 4 Cleaning guest rooms Muscle
pull Shoulder 37 0 37
05/11/X2 George, Tanja MO 4 Opening Front Door/Slipped/Fell
05/13/X2 Johnson McLeary, Mary MO 2 Slip/fall On Wet Floor
05/23/X2 Van Sky, Debbie MO 10 Placing pencil to neck
Laceration Neck 96 0 96
05/25/X2 Ward, Janet MO 4 Bitten by customer Puncture Hand
107 107

05/25/X2 Smith, Constance MO 17 Carrying Strain Back 0 0
05/27/X2 Fletcher, Dellis MO 11 Carrying Heavy Box Down
Stairs Strain Back, lower 462 0 462
05/31/X2 Lujan, Lois MO 25 Folding chair in break room
collapsed Strain Back 251 251
05/31/X2 Rodriguez, Richard MO 4 Skiing Contusion Toe(s) 0 0
0
06/01/X2 Brown, Penny LT 27 Slip/fall on Wet Floor Contusion
Mult body 1,009 0 1,009
06/05/X2 Bagelowe, Samatha MO 17 Hit by customer Contusion
Nose 170 170
06/05/X2 Morrell, Angela MO 12 Walking Down Steps Fell 4
Steps Sprain Ankle 516 0 516
06/08/X2 Penn, Mary MO 18 Hit by golf ball Bruise Eye 105
105
06/09/X2 Malinowski, Stacy MO 25 Walking Across Hall/Trip
06/11/X2 Appeall, Shari MO 5 Bitten by ants Inflamation Hand
0 0 0
06/15/X2 Gunde, Jan MO 5 Hit by customer Contusion
Legs/face/hands 0 0
06/16/X2 Carothers, Lydia MO 54 Hit by customer Contusion
Foot 116 0 116
06/29/X2 Poyneer, Judy MO 71 Tripped On Carpet /Fell
07/03/X2 Laws, Lee MO 89 Rearended by another vehicle
Strain Neck 2,418 0 2,418
07/05/X2 Morten, Dorothy MO 7 Automobile accident Strain
Neck/back 909 909
07/11/X2 Bryant, Gloria MO 77 Getting Into Van Strain Mult
trunk 312 0 312
07/11/X2 Baptiste, Addie MO 11 Fell while supervising guest
children Contusion Mult body 0 0 0
International

All Rights Reserved
Chronological
Date
Employee
Name
Type
Length of
Emp.
(Months)
Cause of
Injury
Type of
Injury
Body Part
Injured
Paid Reserve Total
07/13/X2 Thompson, Joy MO 1 Getting Out Of Van Strain Mult
body 23 0 23
07/17/X2 Aguilar, Edna MO 9 Lifting Strain Back 620 620
07/17/X2 Kaurman, Harvin MO 4 Slip/fall Sprain Knee 196 196
07/19/X2 Webb, James MO 4 Allergic reaction to chemical
fumes Rash Chest/arms 0 0
07/20/X2 Walton, Gwenita MO 1 Grabbing shoplifter Strain

Back, upper 0 0 0
07/21/X2 Orange, Felicia MO 2 Hit by customer Strain Thumb
124 124
07/26/X2 Harry, Mary MO 181 Folding chair in break room
collapsed Contusion Elbow 110 110
07/27/X2 Stayner, Cheryl MO 22 Cleaning guest rooms Strain
Wrist 0 0 0
08/01/X2 Morrisy, George LT 1 Slip/fall Fracture Hip 43,175
43,175
08/02/X2 Haughton, Tina MO 3 Exposure to Scabies from guest
08/02/X2 Powell, Ella MO 2 Exposure to Scabies from guest
08/02/X2 Davies, Pamela MO 4 Slip/fall Bruise Knee 121 121
08/05/X2 Shearon, Wallace MO 27 Grabbed by customer Strain
Mult trunk 40 0 40
08/08/X2 Edelstein, Sharon MO 7 Bending Strain Knee 0 400
400
08/08/X2 Chatman, Lisa MO 43 Cleaning guest rooms Muscle
pull Arm 43 0 43
08/18/X2 Hunt, Lisa MO 7 Exposure to disease from guest
08/18/X2 Jackson, Wanda MO 1 Expousre to disease from guest
08/18/X2 Redding, Katrina MO 7 Exposure to disease from
guest Contagious Disease Mult body 0 0 0
08/18/X2 Smith, Cheryl MO 16 Exposure to disease from guest
08/18/X2 Washington, Peggy MO 2 Exposure to disease from
08/18/X2 Williams, Tammy MO 6 Expousre to disease from
08/18/X2 Epanchin, Katherine MO 1 Lifting customer into boat
08/26/X2 Fannin, Kathy MO 13 Caught Heel On
Step/Slipped/Fell Strain Extremities, lower 0 0 0

08/27/X2 Diaz, Consuela LT 5 Moved Office Furniture/Pulled
Shldr Strain Arm, upper 10,840 0 10,840
08/27/X2 Vanderwoude, Carol MO 58 Pulling Dolly Backwards
Fell Contusion Sacr Cocc 0 0 0
08/30/X2 Klix, Angela MO 1 Automobile accident Strain Mult
Neck 0 0 0
09/03/X2 Ponds, Rose Marie LT 98 Slip/fall On Ramp Fr
Freezer Strain Extremities, lower 191,013 0 191,013
09/07/X2 Broussard, Michael MO 2 Lifting guest Strain Back 0
0
09/08/X2 Ortega, Carlina MO 13 Automobile accident
09/08/X2 Goodman, Maria MO 1 Loading equipment onto truck
09/17/X2 Frank, Michele MO 59 Training/Trainee Threw Her
Down Contusion Knee 600 0 600
09/18/X2 Landers, Melandie MO 23 Hit by golf ball Abrasion
Face 303 303
09/18/X2 Reading, Angela LT 5 Falling during tour at Tikal
Chichen Contusion Back, lower 123,305 0 123,305
09/19/X2 Esposito, Cara MO 9 Stepping out of golf cart Strain
Back, lower 1,003 0 1,003
09/22/X2 Welch, Brenda MO 13 Moving Desk/Desk Fell On
Hand Contusion Mult body 92 0 92
09/22/X2 Esposito, Cara MO 9 Turned In Chair/Back Twinge
Strain Back, upper 0 0 0
09/26/X2 Comache, Rhonda LT 21 Lifting Strain Mult body
1,761 1,761
10/11/X2 Bermudez, Catherine MO 2 Sking Strain Knee 1,030 0
1,030
10/19/X2 Griffis, Rachel MO 1 Exit Frnt Dr/Slip On Slippery
Tile Contusion Mult body 0 0 0
10/19/X2 Gordon, Claudia LT 153 Unknown Myocardial
Infarction Heart 0 0 0
10/20/X2 Canino, John MO 36 Hit by customer Contusion Face
115 115

10/23/X2 Lampkin, Craig MO 3 Rearended by another vehicle
10/29/X2 Walker, Bryant MO 3 Sking Contusion Ankle 163 0
163
10/30/X2 Cugler, Thomas MO 1 Pushed by customer
Contusion/inflamation Shoulder 131 131
11/08/X2 Genchi, Veronica LT 44 Automobile accident
11/08/X2 Bermudez, Catherine LT 3 Restraining intoxicated
guest Sprain Knee 8,305 0 8,305
11/12/X2 Queeley, Mary MO 61 Tryed To Stop Child From
Running Puncture Wrist 0 0 0
11/14/X2 Davis, Robert MO 1 Lifting Strain Back 422 422
11/17/X2 Nesbitt, Veronica MO 4 Water Of Flr/Mopping/Fell
On R Side Contusion Mult body 0 0 0
11/27/X2 Haslund, Rober MO 36 Hit by golf ball Bruise Foot
125 125
12/04/X2 Martinez, Gonzolo MO 42 Hit by golf ball Contusion
Hand 125 125
12/09/X2 Wilson-Witter, Deborah MO 16 Automobile accident
12/10/X2 Durden, Phyllis MO 11 Moving furniture to clean
carpet Strain Arm, upper 330 0 330
12/16/X2 Pedrosa, Randa LT 6 Rearended by another vehicle
Strain Mult trunk 1,294 0 1,294
12/20/X2 Davies, Pamela MO 9 Handling equipment Strain
Back 218 218
01/02/X3 Esparaza, Bobbie MO 84 Hit by golf ball Contusion
Face/nose 100 100
01/04/X3 Sinyansky, Alex MO 106 Restraining intoxicated
guest Puncture Hand 40 40
01/06/X3 Polite, Dorothy MO 41 Cleaning guest rooms Muscle
pull Rib area 43 0 43
01/12/X3 Williams, Tammy LT 1 Assulted by armed rober
Contusion Back, lower 14,935 29,637 44,572
01/16/X3 Campos, Roxana MO 1 Tripped on extension cord

Contusion Knee 0 0 0
01/16/X3 Lopez, Barbara MO 26 Tripped on box Strain Lower
back 0 0 0
01/17/X3 Snook, Maria MO 73 Unknown Sprain Knee 168 168
01/20/X3 Pace, William MO 3 Moving Furniture Got Splinter
Puncture Finger 216 0 216
01/21/X3 Haynes, Shirley MO 22 Fell Going Dwn Stairs
Laceration Face 402 0 402
01/21/X3 Fitzgerald, Cheryl MO 4 Tripped Fell Over Rug In
Hallway Contusion Mult body 102 0 102
01/24/X3 Quinn, Terry MO 14 Hit by golf ball Bruise Chest 90
90
02/05/X3 Aniyel, Sylvia MO 2 Restraining intoxicated guest
Sprain Arm 81 81
02/06/X3 Steinberg, Sarah MO 3 Contact with cutomer
Contusion Arm 0 0 0
02/07/X3 Plesner, Delise MO 77 Unknown Sprain Foot 195 195
02/09/X3 Murphy, Patricia MO 71 Hit by golf ball Contusion
Eye 115 115
02/10/X3 Rogers, Laura MO 1 Fell stepping into sand trap
Fracture Foot 862 0 862
02/10/X3 Pettway, Cheryl MO 15 Lifting Car Seats/Approx 12
International
All Rights Reserved
Chronological
Date
Employee

Name
Type
Length of
Emp.
(Months)
Cause of
Injury
Type of
Injury
Body Part
Injured
Paid Reserve Total
02/14/X3 Youell, Tracy MO 3 Automobile accident Contusion
Foot 203 203
02/14/X3 Cox, Julie MO 9 Rearended by another vehicle Strain
Mult Neck 358 0 358
02/14/X3 Washborne, Margaret LT 36 Rearended by another
vehicle Strain Mult body 3,570 18,930 22,500
02/15/X3 Hubbard, Juanita MO 24 Folding chair in break room
collapsed Contusion Hip/shoulder 276 276
02/16/X3 Herring, Diana MO 4 Caught child Sprain Wrist 297 0
297
03/08/X3 Fabrillo, Maria MO 6 Lifting Strain Back 0 0
03/09/X3 Sanez, Carmen MO 73 Slip/fall Bruise Head 122 122
03/12/X3 Castro, Grace MO 13 Rearended by another vehicle
03/20/X3 Caraway, Charles MO 10 Lifting Strain Back 325 325
03/22/X3 Jean, Adeline MO 26 Door Was Opened Jammed
Toe/Cut Sho Contusion Toe(s) 172 0 172

03/23/X3 Schreiber, Jon MO 180 Lifting Strain Back 156 156
03/26/X3 Davis, Susan LT 7 Hit by client Contusion Mult body
1,958 0 1,958
03/27/X3 Reed, Deborah MO 75 Putting Out Grease Fire Burn
Foot 0 0 0
03/27/X3 Mitchell, Joel MO 1 Putting Out Grease Fire In
Kitchen Burn Mult body 71 0 71
04/02/X3 Davis, Ann LT 16 Automobile accident Strain Neck
14,315 11,477 25,792
04/02/X3 Pamphile, Marie MO 16 Walk In Lot/Ft Hit
Sidewalk/Fell Contusion Knee 0 0 0
04/04/X3 Raymond, Florence LT 3 Carrying Child/Tripped/Fell
Fracture Foot 2,583 0 2,583
04/04/X3 Snowman, Shawn MO 1 Rearended by another vehicle
Strain Neck 1,639 0 1,639
04/05/X3 Shearon, Wallace MO 35 Exposure to weather Heat
04/10/X3 Dancer, David MO 241 Slip/fall Fracture Hand 451
451
04/20/X3 Junqueir, Sonnier MO 9 Driving Strain Sacr Cocc
1,448 0 1,448
04/20/X3 Schieber, Kathleen MO 4 Hit by car trunk Contusion
Finger 183 183
04/20/X3 Warsham, Robert MO 7 Slip/fall Contusion Mult body
275 275
04/23/X3 Steward, Diane LT 39 Restraining intoxicated guest
Strain Arm, upper 3,871 0 3,871
04/23/X3 Davis, Laura MO 1 Slip/fall on Wet Floor Contusion
Mult body 226 0 226
04/25/X3 Frank, Michele MO 78 Restraining intoxicated guest
Contusion Nose 348 0 348
04/25/X3 King, Elmira MO 3 Slipped On Oil On Floor Strain
04/26/X3 Delagdo, Cruz MO 1 Lifting Strain Shoulder 234 234
04/26/X3 Homme, Wayne MO 45 Seizure Laceration Head 245
245

04/26/X3 Cuilla, Margaret MO 2 Slip/fall Sprain Ankle 284 284
05/02/X3 Clark, Rita MO 1 Walked Into Cubical Contusion
Eye(s) 487 0 487
05/08/X3 Pitsinos, Carrie MO 3 Exposure to strep throat
05/08/X3 Lopez Unger, Janet MO 20 Pushed by guest Contusion
Mult body 0 0 0
05/10/X3 Kolcun, Cathy MO 3 Hit by child Strain Extremities,
upper 484 0 484
05/11/X3 Schorm, Robert MO 12 Lifting Strain Back 113 113
05/21/X3 Davies, Pamela MO 15 Hit by customer Strain
Shoulder 205 205
05/24/X3 Jackson, Jenna MO 5 Restraining intoxicated guest
Strain Mult body 1,187 1,813 3,000
05/25/X3 Thompson, Caron MO 10 Handling equipment Strain
Mult body 90 90
06/06/X3 Furmaga, Ferris MO 9 Hit by guest Contusion Mult
body 0 0
06/06/X3 Hiner, Sonny LT 3 Testing parasailing equpment
Fracture Ankle 19,311 19,073 38,385
06/07/X3 Griffith, Jennifer MO 7 Hit my swinging door to
kitchen Contusion Chest/arms 0 0
06/19/X3 Midkiff, Sean MO 1 Door Closed/Hit Foot /Fell Strain
Wrist 89 0 89
06/22/X3 Brown, Frank MO 9 Lifting mower Strain Back, lower
193 0 193
06/22/X3 Billow, Deb MO 2 Slip/fall Contusion Mult body 284
284
06/22/X3 Mancillas, Elvira MO 96 Slip/fall Strain Shoulder 291
291
06/25/X3 Cox, John MO 5 Hit podium setting up for banquet
Contusion Knee 225 225
06/25/X3 Comberbatch, Violeta MO 17 Slip/fall on steps Sprain
06/26/X3 White, Jamie MO 9 Using knife to cut fish bait
Laceration Finger 90 0 90

06/29/X3 George, Tanja MO 17 Slip/fall on steps Contusion
Wrist 0 0 0
07/05/X3 Prado, Phyllis MO 9 Hit by falling pan Bruise Head 0
0
07/05/X3 Weedon, Jennifer MO 2 Rearended by another vehicle
07/07/X3 Davis, Dana MO 17 Bench Collapsed/Fell Back/Hit
Cemnt Contusion Mult body 166 0 166
07/07/X3 McNair Butts, Joyce MO 3 Door Fell Off Hinge
07/11/X3 Raymer, George MO 2 Seizure Abrasion Head 195
195
07/16/X3 Mitchell, Sheila LT 11 Guest dropped bag Contusion
Foot 1,103 0 1,103
07/20/X3 Draves, Karen MO 10 Slip/fall Laceration Hand 345
345
07/24/X3 Agurs, Essa MO 6 Automobile accident Fracture
07/28/X3 Lee, Kimberly MO 1 Slip/fall On Wet Kitchen Floor
07/29/X3 Tameris, Linda MO 22 Alarm System Went Off
Inflamation Ear 0 0 0
07/30/X3 Cross, Mona MO 6 Contact w/ chemical Burn Eye 171
171
07/31/X3 Gonzalez, Dora MO 7 Hit by child Fracture Teeth
3,340 0 3,340
08/01/X3 Samford, Mary MO 122 Slip/fall Contusion Knee 200
200
08/02/X3 Salser, Debra Elle MO 1 Hit by guest Bruise Eye 195
195
08/03/X3 Gonzalez, Dora MO 7 Hit by child Laceration Mouth
0 400 400
08/03/X3 Brito, Debra LT 1 Slip /fall carrying equpment
Laceration Knee 6 5,994 6,000
08/03/X3 Desouza, Doris MO 1 Slip/fall on Wet Floor
Contusion Hip 0 400 400

08/05/X3 Pender, Joan MO 23 Opening Container/Cut Self
Laceration Hand 33 0 33
08/07/X3 Broussard, Connie MO 1 Lifting fellow employee
Strain Back 284 284
08/08/X3 Allard, Emile MO 1 Lifting Trash Can Full Of Water
Sprain Wrist 103 0 103
08/09/X3 Ardoline, Philip MO 8 Moved Furniture/Cabinets
Contusion Knee 3,517 0 3,517
08/09/X3 Wilson, Tarana MO 12 Restraining intoxicated guest
08/16/X3 Daye, John MO 6 Hit by customer Bruise Back 237
237
International
All Rights Reserved
Chronological
Date
Employee
Name
Type
Length of
Emp.
(Months)
Cause of
Injury

Type of
Injury
Body Part
Injured
Paid Reserve Total
08/16/X3 Comache, Rhonda MO 30 Slip/fall Contusion
Knee/ribs 234 234
08/18/X3 Savarese, James MO 3 Restraining intoxicated guest
Sprain Thumb 0 0 0
08/23/X3 Gunter, Deborah MO 4 Slip/fall Fracture Wrist 630
630
08/24/X3 Serock, Kathryn MO 3 Lifting TV/VCR at
Home/Work Related Strain Back, lower 107 0 107
08/27/X3 Corbin, Jeannette MO 59 Loading Fence Posts On
Truck Strain Wrist 31 0 31
08/29/X3 Jacobs, Tara MO 108 Pulling down by guest while
skiing Strain Back 218 218
08/29/X3 Thompson, Caron MO 13 Scratched triming landscape
Scratch Neck 0 0
08/31/X3 Wall, Shannon MO 80 Struck head on wall mounted
TV Laceration Face 29 0 29
09/02/X3 Middleton, Sherine MO 14 On Chair/Leaned/Fell Off
Contusion Foot 0 0 0
09/02/X3 Bailey, Patrick LT 8 Taking Seats Out Of Van Strain
Back, lower 1,447 0 1,447
09/02/X3 Alvarez, Susan MO 30 Parasailing training class
Strain Knee 166 0 166
09/05/X3 Caponi, Jill MO 2 Running to tour bus Strain Hip 100
0 100
09/07/X3 Olford, Gladys MO 136 Chair collapsed Contusion
Back/chin 267 267
09/07/X3 Taylor, Cynthia MO 24 Hit by golf ball Contusion
Face 338 338

09/15/X3 Haun, Vivian MO 8 Stopping 2 Children From
Fighting Contusion Ear 179 0 179
09/17/X3 Jones, Darlene MO 113 Scraped Contusion Finger 147
147
09/20/X3 Gregory, Dottie MO 5 Grabbed by customer Bruise
Arm 0 0
09/21/X3 Gonzalo, Margaret MO 28 Slip/fall Bruise Mult body
216 216
09/28/X3 Fabrillo, Maria MO 12 Shoved by customer Bruise
Hand 0 0
09/28/X3 Shields, Gloria MO 21 Slip/fall Bruise Mult body 272
272
10/06/X3 White, Jamie MO 13 Working Outside Heat Prost Int
organs 0 0 0
10/07/X3 Blankinship, Bruce MO 1 Restraining intoxicated
guest Scratch Body 0 0
10/08/X3 Ennis, Joyce MO 11 Rearended Car In Front Strain
Neck 0 0 0
10/12/X3 Glover, Valeria LT 128 Rearended by another vehicle
Strain Back, lower 13,045 22,876 35,921
10/13/X3 Shedrick, Vickie MO 40 Automobile accident
10/13/X3 Dominguez, Lazaro MO 37 Lifting Strain Back, lower
0 0 0
10/16/X3 Dominguez, Lazaro LT 37 Unknown Contusion Mult
body 643 0 643
10/17/X3 Peeples, Oran MO 17 Lifting Strain Back 234 234
10/19/X3 Henderson, Calvin MO 8 Hit by table Bruise Hand
248 248
10/20/X3 Daley, Brenda MO 12 Scratched triming landscape
Scratch Hand 54 54
10/23/X3 Sandersm Stephanie MO 59 Rearended by another
vehicle Contusion Mult body 163 0 163
10/24/X3 Levitt, Sandra LT 1 Pushied by shoplifter Strain Mult
body 1,218 3,719 4,937
10/24/X3 Lewis, John MO 24 Food service Bruise Mouth 111

111
10/25/X3 Vega, Sarah MO 5 Chopping Scratch Thumb 165 165
10/25/X3 Clark, Tina MO 13 Hit by vehicle Contusion Mult
body 85 0 85
11/02/X3 Davis, Louise LT 1 Hit by lawn tractor Mult injuries
Back/shoulder 27,412 2,754 30,166
11/05/X3 Monjeau, Arden MO 2 Contact with spa chemical
Inflamation/swelling Skin 162 162
11/06/X3 Mackey, Lee MO 10 Slip/fall Laceration Mult body 0
0
11/08/X3 Holt, Janet LT 1 Slip/fall Contusion Knee 1,264 1,264
11/09/X3 King Whitt, Lori MO 30 Bitten by unkown insect(s)
Swelling Thigh 299 0 299
11/09/X3 Ramirez, Lizbet LT 2 Drive On I-95n/Rear Ended
11/13/X3 Egan, Michael MO 7 Punched by customer Bruise
Nose 90 90
11/13/X3 Abraham, Dick LT 5 Hit by shoplifter Mult injuries
Hand/foot 2,250 2,250
11/18/X3 Crawford, Sandra MO 8 Skiing Laceration
Extremities, upper 0 0 0
11/19/X3 Robertson, Vicki LT 4 Lifting Scuba Tanks From Boat
Pulled cartledge Back 45,402 45,402
11/24/X3 Owens, Esther MO 25 Swiveled Chair Hit Knee On
Drawer Contusion Knee 856 0 856
11/27/X3 Homme, Wayne MO 52 Seizure Contusion Head 300
300
11/29/X3 Martinez, Giner MO 85 Bitten by insect Itching Hip 0
0
12/02/X3 Dabney, Leanne MO 7 Contact w/ chemical Irritation
Throat/nose 909 450 1,359
12/02/X3 Westcott, Paul LT 11 Restraining intoxicated guest
Strain Arm, upper 0 0 0
12/05/X3 Levitt, Sandra LT 3 Assulted by customer Fracture
Jaw 17,415 63,552 80,967
12/07/X3 Billow, Deb MO 7 Lifting equipment Sprain Knee 111

111
12/10/X3 Gregory, Dottie MO 8 Hit by table Mult injuries Leg
215 215
12/15/X3 Katherine, Susan MO 8 Fell Stepping Off Front Porch
12/15/X3 Innis, Pamela MO 4 Window Came Down Slammed
On FingeContusion Finger 377 0 377
12/17/X3 Shedrick, Vickie MO 42 Automobile accident Strain
Mult body 2,144 0 2,144
12/18/X3 Virgili, Anabelle MO 19 Company party exposed to
disease Contagious Disease Int organs 0 0 0
12/21/X3 Waters, Kelvin MO 2 Skiing Sprain Ankle 97 0 97
12/31/X3 Reynolds, Cynthia MO 25 Slip/fall Bruise Ankle 109
109
01/03/X4 Hartsfield, Gerland MO 17 Knocked down by
customer Strain Groin 90 90
01/03/X4 Worsham, Robert MO 16 Slip/fall Bruise Knee 272
272
01/04/X4 Hill, Jon MO 51 Hit by golf ball Contusion Arm 90 90
01/06/X4 Reyes, Deisy MO 34 Cleaning guest rooms Muscle
pull Upper arm 43 0 43
01/08/X4 Padilla, Jenny MO 6 Slip/fall Sprain Wrist 754 754
01/10/X4 Ison, Lorraine MO 4 Lifting boxes for banquet Bruise
Shoulder 0 0
01/13/X4 Henry, Robert MO 77 Automobile accident Contusion
Mult body 0 0 0
01/13/X4 Holstein, Erlene LT 5 Falling out of golf cart Strain
Mult body 2,681 0 2,681
01/14/X4 Buck, Rhoda MO 59 Lifting Strain Back 0 0
01/15/X4 Thomas, Sharon MO 7 Hit by customer Mult injuries
Mult body 0 0
01/15/X4 Reichenthal, Ellen MO 5 Slip/fall Strain Back 267 267
01/17/X4 Anderson, Judy MO 5 Reaching Scratch Arm 0 0
01/18/X4 Lansford, Steve MO 191 Slip/fall Laceration Head 0 0

International
All Rights Reserved
Chronological
Date
Employee
Name
Type
Length of
Emp.
(Months)
Cause of
Injury
Type of
Injury
Body Part
Injured
Paid Reserve Total
01/23/X4 Gabriel, Samuel MO 7 Food preparation Contusion
Chest 56 0 56
01/23/X4 Owens, Sandra MO 125 Food preparation Burn Hand
432 432
01/23/X4 King, Nancy MO 4 Hit From Behind Strain Neck 175
0 175

01/24/X4 Beasley, Judy MO 2 Hit by object Bruise Face 0 0
01/24/X4 Hart, Boma MO 9 Slip/fall Contusion Elbow 0 0
01/24/X4 Thompson, Caron MO 18 Slip/fall Strain Wrist 205
205
01/25/X4 Turner, Jennifer MO 5 Hit by customer Strain Arm
789 789
01/28/X4 Guzman, Carmen MO 3 Opening A Drawer/Finger
Bent Back Sprain Hand 92 0 92
02/02/X4 Young, Samatha MO 8 Hit by customer Strain Hand 0
0
02/05/X4 Conrad, Joyce MO 25 Lifting Strain Shoulder 200 200
02/07/X4 Lamboy, Wendy MO 4 Fell In Dip In Parking Lot
Twisted Strain Ankle 377 0 377
02/07/X4 Legacy, Elenor LT 20 Inserting Tape Into Cassette
Strain Back, lower 9,550 23,011 32,561
02/08/X4 Ortiz, Maria MO 78 Skiing Contusion Back, lower 0 0
0
02/11/X4 Russo, John MO 22 Knocked down by customer
Sprain Hand 105 105
02/12/X4 Mitchell, Monica MO 29 Contact with unknown
substance Itching/inflamation Eyes 0 0 0
02/19/X4 Snyder, Linda MO 5 Lifting Strain Back 109 109
02/20/X4 Hall, Robert MO 78 Rough edge on equipment Scratch
Finger 0 0
02/24/X4 Brown, Sandra MO 11 Walk To Bldg/Twist Ankle On
Sidewlk Sprain Ankle 159 0 159
02/26/X4 Vasilescu, Tom MO 18 Scratched triming landscape
Scratch Eye 0 0
03/02/X4 Padilla, Sanjuana MO 8 Cutting Laceration Finger 0 0
03/03/X4 Nesbitt, Veronica MO 8 Rearended by another vehicle
03/03/X4 Herrin, Jesus MO 24 Using knife Laceration Finger 58
58
03/05/X4 Vaughn, Lisa MO 23 Reaching for falling customer
Strain Back 0 0
03/11/X4 Chowdhary, John MO 4 Hit by object Scratch Face 0 0

03/15/X4 Snook, Maria MO 87 Slip/fall Bruise Knees 0 0
03/21/X4 Diaz, Consuela MO 22 Automobile accident Strain
Mult body 782 0 782
03/21/X4 Schuman, Jocelyn MO 3 Banquet table fell during
setup Fracture Toe(s) 1,334 0 1,334
03/22/X4 Piorno, Miguel MO 1 Slip/fall on Wet Floor
Contusion Arm, upper 239 0 239
03/28/X4 Jackson, Johnnie MO 6 Pused by guest Fracture Toe
295 295
04/02/X4 Danridge, Linda MO 1 Tripped while setting up for
banquet Sprain Hand 174 174
04/03/X4 Roche, Garrett MO 3 Hit by guest Bruise Shoulder 0 0
04/04/X4 Roche, Garrett MO 3 Hit by guest Bruise Arm 0 0
04/09/X4 Kelly, Erin MO 3 Punched in eye by customer
Inflamation Eye(s) 58 0 58
04/11/X4 Grandison, Marcia MO 135 Walking/Fell On Wet
Floor Contusion Knee 0 0 0
04/12/X4 Diaz, Consuela MO 23 Contact with unknown
substance Irritation Mult body 0 0 0
04/13/X4 Young, Samatha MO 10 Hit by swinging door to
kitchen Bruise Arm/chest 0 0
04/17/X4 Cucalon, Maria MO 2 Fell setting up banquet stage
04/18/X4 Chowdhary, John MO 5 Hit by golf ball Bruise Back 0
0
04/23/X4 Fleischman, Patricia MO 4 Attempting To Sit Chair
Rolled Strain Back, lower 0 0 0
05/02/X4 Humphrey, Ted LT 1 Hit by falling obj Concussion
Head 5,983 17,936 23,919
05/02/X4 Reza, Julia MO 14 Hit drawer Bruise Elbow 222 222
05/03/X4 Davis, Laura LT 13 Fell/Walking Out Front
Door/Office Strain Mult trunk 827 19,748 20,574
05/06/X4 Doyle, Constance MO 2 Slip/fall Abrasion Arm 0 0
05/11/X4 Campos, Roxana MO 16 Collision W/Another Veh
05/16/X4 Brown, Mindy MO 13 Hit by falling obj Bruise Foot

182 182
05/17/X4 Tucker, Stefanie MO 9 Direct skin contact with spa
chemical Inflamation Hands 14 0 14
05/17/X4 Herring, Diana MO 18 Hit by guest Contusion Mouth
40 0 40
05/19/X4 Silver, Heather MO 4 Insect bite Puncture Ankle 93 0
93
05/21/X4 Ross, Emily MO 17 Slip/fall Strain Knee 0 0
05/24/X4 Furmaga, Ferris MO 18 Restraining intoxicated guest
Scratch Arm 0 0
05/24/X4 Roche, Garrett MO 4 Restraining intoxicated guest
Strain Arm 0 0
05/25/X4 Holland, Waunda MO 152 Tripped and fell Contusion
Knee 293 0 293
05/27/X4 Kente, Maria LT 33 Slip/fall Strain Knee 8,442
17,117 25,559
05/28/X4 Gonzales, Maggie MO 48 Cutting Laceration Finger
108 108
05/28/X4 Schieber, Kathleen MO 17 Slip/fall Sprain Ankle 0 0
05/30/X4 Goings, Mellissa MO 5 Slip/fall Strain Ankle 277 277
05/31/X4 George, Tanja MO 28 Automobile accident Contusion
Mult body 483 0 483
05/31/X4 Hill, Bobbie MO 170 Slip/fall Strain Knee 0 0
06/04/X4 Esparaza, Bobbie MO 101 Contact with dust
06/06/X4 Walton, Dorene MO 28 Hit by client Contusion Back,
lower 1,399 1,859 3,258
06/06/X4 Morten, Dorothy MO 30 Hit tour bus door Contusion
Elbow 0 0
06/07/X4 Shinholster, Vonnell MO 1 Hit by guest Strain
Back/neck/shoulder 204 204
06/08/X4 Allen, Gail LT 58 Automobile accident Fracture Chest
1,858 0 1,858
06/09/X4 Hart, Gloria MO 13 Removing lodged key Contusion
Finger 0 0
06/10/X4 Avis, Fema MO 1 Shoved by customer Contusion Arm

0 0
06/13/X4 Roche, Garrett MO 5 Hit by customer Strain Shoulder
132 132
06/18/X4 Morten, Dorothy MO 30 Hit by guest Laceration Face
0 0
06/19/X4 Aguilar, Edna LT 32 Restraining intoxicated guest
Strain Back/arms 5,445 11,631 17,076
06/20/X4 Kaurman, Harvin MO 50 Food preparation Laceration
Hand 0 0
06/20/X4 Tillman, Calvin MO 18 Outside/Stung By Wasps On
Head Puncture Face 70 0 70
06/20/X4 Avila, Edward MO 1 Slip/fall Strain Knee 146 146
06/21/X4 Hartless, Chinthia MO 57 Food preparation Laceration
Hand 190 408 598
International
All Rights Reserved
Chronological
Date
Employee
Name
Type
Length of
Emp.
(Months)
Cause of

Injury
Type of
Injury
Body Part
Injured
Paid Reserve Total
06/24/X4 Held, Kimberly MO 17 Hit forehead on overhead
beam Contusion Face 1,770 0 1,770
06/25/X4 Carnes, Gerald MO 1 Food preparation spice
06/25/X4 Meissler, Sharon MO 44 Slip/fall Scratch Knee 0 0
06/25/X4 Phillips, Terrie MO 23 Slip/fall Sprain Ankle 617 617
06/25/X4 Prado, Phyllis MO 23 Slip/fall Strain Back 385 385
06/26/X4 Montgomery, Bobbie MO 225 Hit by falling box
setting up for banquet Contusion Arm 0 0
07/01/X4 Riggins, Janice MO 13 Hit by object Contusion Eye(s)
0 0 0
07/02/X4 Khan, Maureen MO 5 Exposure To Ringworm
Dermatitus Mult body 24 0 24
07/02/X4 Thompson, Caron MO 24 Slip/fall Contusion Shoulder
0 0
07/04/X4 Ashberry, Cindy MO 2 Lifting boxes Strain Back,
lower 160 0 160
07/09/X4 Leggett, Susann MO 1 Hit by guest Contusion Jaw/ear
0 0
07/13/X4 White, Jamie LT 24 Moving Furniture/Boxes/Hurt
Back Strain Mult body 194 8,306 8,500
07/16/X4 Roshan, Regeen MO 11 Hit by customer Contusion
Eye 0 0
07/16/X4 Belma, Ed MO 8 Slip/fall Contusion Back/arms 314
314
07/16/X4 Meissler, Sharon MO 45 Slip/fall Abrasion

Elbow/knee 0 0
07/17/X4 Ames, Elise LT 10 Aleercation with guest Sprain
Finger 985 0 985
07/19/X4 Aquino, Norma MO 15 Slid/Fall On Steps Contusion
Mult body 284 0 284
07/22/X4 Harris, Latonia MO 4 Removing Articles From Van
Contusion Ankle 0 0 0
07/22/X4 Vascos, Dina MO 4 Slip/fall Strain Ankle 0 0 0
07/24/X4 Harris, Carol MO 15 Hit drawer Contusion Elbow 0 0
07/30/X4 Stone, Joseph LT 5 Lifting Strain Back/neck/shoulder
7,241 7,241
07/31/X4 Roche, Garrett MO 6 Slip/fall Contusion
Palm/thumb/shoulder 308 308
07/31/X4 Sluder, Ruth MO 24 Slip/fall Contusion Side 0 0
07/31/X4 Khan, Maureen MO 6 Lifting child out of boat Strain
Mult body 0 5,500 5,500
08/04/X4 Shipman, Karen MO 10 Thrown down by guest Strain
Mult body 0 0 0
08/05/X4 Walline, Cindy MO 1 Hit by customer Laceration
Finger/ankle 0 0
08/05/X4 Vienne, Kersti MO 2 Food service Bruise Leg 0 0
08/12/X4 Thomas, Barbara LT 19 Slip/fall Backwards On An
Egg Strain Extremities, upper 1,255 17,000 18,255
08/18/X4 Stephens, Elaine MO 1 Got Up Fr Chair/Tripped Over
Outlet Contusion Knee 0 0 0
08/18/X4 West, Patricia MO 1 Hit by falling can Bruise Eye(s)
0 0 0
08/18/X4 Gant, Barbara MO 2 Lifting Ice Chest Into Boat Strain
Wrist 502 0 502
08/21/X4 Cesar, Marie LT 5 Overworked Contusion Mult body
0 0 0
08/22/X4 Stanley, Robert LT 1 Stumbled while walking on tour
08/23/X4 Green, Deborah MO 2 Hit by falling obj Bruise Foot
169 169
08/26/X4 Avis, Fema MO 3 Lifting Strain Back 213 213

08/30/X4 Kelly, Chante MO 2 Bitten By Insect On Arm
Swelling Arm, lower 0 0 0
08/30/X4 Crawford, Sandra MO 17 Restraiing guest Strain
Ankle 0 400 400
09/05/X4 Carreras, Elida MO 10 Hit by falling obj Contusion
Toe 301 301
09/05/X4 Zeno, Irene MO 19 Slip/fall Strain Back/let 678 678
09/06/X4 Belma, Ed MO 10 Slip/fall Contusion Knees/back 0 0
09/10/X4 Wilba, L MO 2 Cleaning guest rooms Muscle pull
Arm 0 0 0
09/10/X4 Thomson, Charlene MO 2 Hit by customer Hyper
extention Knee 0 0
09/11/X4 Jacobs, Deanna LT 2 Shot by guest Contusion Mult
body 0 0 0
09/16/X4 Scott, Andrea MO 5 Automobile accident Contusion
Vertebrae 113 0 113
09/16/X4 Neocha, Rhonda MO 2 Stumbled over banquet stage
Contusion Chest/wrist/leg 291 291
09/18/X4 Neocha, Rhonda MO 2 Hit by object Sprain Ankle 0 0
09/18/X4 Heine, Mitchel MO 1 Hit by customer Scratch Hand 0
0
09/19/X4 Kaurman, Harvin MO 53 Hit by guest Scratch Arm 0 0
09/21/X4 Tintera, Tammie MO 2 Restraining intoxicated guest
Strain Knee 0 0 0
09/22/X4 Talley, Kenda MO 30 Moving Table/Slipped/Fell/Hit
Table Puncture Knee 147 0 147
09/23/X4 Kaurman, Harvin MO 53 Catching customer/guest
Strain Back/foot/arm 0 0
09/24/X4 Crightower, Mark MO 40 Cut by broken glass
Laceration Finger 0 0
09/25/X4 Smith, Shelly MO 64 Scratch Back/arms 0 0
09/27/X4 Grossett, Deborah MO 1 Hit by vendor's cart on tour
Scratch Leg/arms 0 0
09/27/X4 Perez, Bernard MO 6 Hit by unk person while on tour
Contusion Leg 0 0
09/27/X4 Wright, Terri MO 34 Slip/fall Sprain Knee 207 207

09/28/X4 McRae, Gwendo MO 13 Shoved by customer
Contusion Arm 0 0
09/28/X4 Siladke, Elizabeth MO 156 Slip/fall Contusion Mult
body 2,560 0 2,560
10/02/X4 Diaz, Potoula MO 8 Automobile accident Contusion
Mult body 29 0 29
10/04/X4 Carrillo, Earl MO 3 Catching guest Strain Wrist 0 0
10/05/X4 Vasilescu, Tom MO 26 Stepped in hole Strain Ankle 0
0
10/06/X4 Hathaway, Donald MO 4 Unloading Drafting Table
10/07/X4 Fabrillo, Maria LT 25 Lifting Strain Back 38,334
29,599 67,933
10/10/X4 Herrera, Bertha MO 3 Bitten by insect Inflamation
Neck 97 97
10/10/X4 Smith, Virginia MO 123 Tripped On Car Stop In
Parking Lot Sprain Elbow 0 0 0
10/11/X4 Ashley, Lena MO 2 Lifting Strain Back 293 293
10/11/X4 Broussard, Connie MO 15 Lifting Sprain Wrist 1,074
1,074
10/13/X4 Lampkin, Craig MO 27 Slip/fall down stairs Strain
Back, lower 26 0 26
10/14/X4 McGrew, Morris MO 48 Blacked out Laceration Head
239 239
10/14/X4 Burks, David MO 48 Restraining intoxicated guest
Scratch Hand 0 0
10/16/X4 Hale, Shastri MO 24 Bitten by insect Swelling Wrist 0
0
10/16/X4 Blankes, Cara MO 2 Lifting Strain Neck 213 213
International
All Rights Reserved

Chronological
Date
Employee
Name
Type
Length of
Emp.
(Months)
Cause of
Injury
Type of
Injury
Body Part
Injured
Paid Reserve Total
10/16/X4 Johnson, Patersa MO 4 Opening can Laceration
Thumb 0 0
10/17/X4 Dexter, Shana MO 244 Rearended by another vehicle
Strain Mult trunk 1,854 0 1,854
10/26/X4 Hughes, Joan MO 62 Lifting Box/Dropped Box Strain
10/27/X4 Bertrand, James MO 1 Automobile accident Contusion
Mult body 0 0 0
10/27/X4 Jines, Teri MO 39 Lifting Strain Mult body 422 0 422
10/28/X4 Ogwe, Maribelle MO 5 Hit by customer Bruise Face
68 68

10/30/X4 Stone, Joseph LT 8 Caught falling guest Strain
Neck/knee 3,248 3,248
10/31/X4 Lux, Alan MO 66 Hit by object Puncture Knee 242
242
11/01/X4 Mossa, Pamela LT 57 Lifting scuba air tanks Strain
Lower back 7,373 0 7,373
11/07/X4 Liddy, Nancy MO 1 Spit on by guest Hep. B infection
Eye 763 763
11/10/X4 Key, Jennifer MO 7 Restraining intoxicated guest
11/12/X4 Brown, Frank MO 26 Slip/fall down stairs Contusion
Mult trunk 68 0 68
11/15/X4 Ervin, Hortense LT 9 Slip/fall in icy steps Inflamation
Back, upper 12,768 0 12,768
11/25/X4 Williams, Anthony MO 65 Hit by falling object
11/25/X4 Lewis, Eric MO 5 Restraining intoxicated guest Strain
Thumb 0 0
11/25/X4 Helmke, Joel MO 8 Slip/fall Strain Back 0 0
12/04/X4 Ross, Cynthia MO 42 Restraining intoxicated guest
Contusion Finger 228 228
12/04/X4 Goudeaux, Lisa MO 9 Sprain Thumb 180 180
12/05/X4 Lamia, Philip MO 11 Restraining intoxicated guest
Sprain Thumb 178 178
12/07/X4 Tucker, Walter MO 13 Slip on soap Strain Ankle 0 0 0
12/09/X4 Feldman, Charlotte MO 46 Exposure to weather Heat
12/13/X4 Ezinwa, Mary MO 1 Hit by customer Scratch Arm 92
92
12/17/X4 McCready, Ethel MO 5 Unknown Contusion Toe(s) 84
0 84
12/17/X4 Avis, Fema MO 7 Contusion Knee 0 0
12/18/X4 Abril, Lilly MO 21 Company party exposed to disease
Contagious Disease Int organs 0 0 0
12/18/X4 Arrizabal, Martha MO 5 Company party exposed to

12/18/X4 Brinson, Angela MO 5 Company party exposed to
12/18/X4 Crespo Hazard, Mia MO 6 Company party exposed to
12/18/X4 Leverson, Teresa MO 4 Company party exposed to
12/18/X4 Lopez, Gloria MO 5 Company party exposed to
12/18/X4 Martinez, Susana MO 2 Company party exposed to
12/22/X4 Adams, Kendra LT 9 Driving Clients/Struck By
Vehicle Strain Extremities, upper 315 0 315
12/22/X4 Snowman, Shawn MO 21 Hit by non employee
relative Inflamation Ear 4,731 0 4,731
12/23/X4 Jones, Ann MO 16 Hit by file cabinet drawer Fracture
Tooth/face 250 250
12/27/X4 Kaufman, Mark MO 2 Slip/fall Contusion Knee 206
206
01/03/X5 Wanderson, Donna LT 4 Slip/fall Strain Hip/ankle
55,638 4,307 59,945
01/06/X5 Williams, Hollice MO 90 Cleaning guest rooms Strain
Wrist 43 0 43
01/06/X5 Doyle, Constance MO 9 Slip/fall Contusion Wrist 0 0
01/10/X5 Hillsman, Dan MO 14 Slip/fall Strain Back 74 74
01/13/X5 Daur, Harvin MO 29 Hit by falling equipment
Contusion Ankle 0 0
01/14/X5 Blankes, Cara MO 5 Hit by unset vendor while on tour
Contusion Chest/abdomen 210 210
01/15/X5 Lewis, Eric MO 7 Scratch Hand 0 0
01/17/X5 Taylor, Marlena MO 2 Food preparation Burn Arm
495 0 495
01/17/X5 Carreras, Elida MO 14 Slip/fall Sprain Leg 0 0
01/26/X5 Dewar, Raymond MO 16 Something Flew Into
Window Inflamation Eye(s) 64 0 64
01/27/X5 Henderson, Patsy MO 2 Customer closed door on hand
Contusion Hand 80 0 80

01/28/X5 Culpepper, Debbie MO 18 Hit by branch of shrub
Scratch Eye 117 117
01/29/X5 Malinowski, Donna MO 8 Hit by falling obj
Laceration Foot 0 0
01/29/X5 Thomson, Charlene LT 5 Lifting Strain Back 22,699
18,877 41,576
02/03/X5 Brown, Jacquelyne MO 250 Repetitive Motion
Typing, Collating Strain Extremities, upper 1,665 0 1,665
02/10/X5 Fuentes, Carmen MO 25 Hit by banquet cart
Contusion Head 276 276
02/11/X5 Hart, Gloria MO 20 Restraining intoxicated guest
Bruise Leg/arms 0 0
02/17/X5 Miller, Jeff MO 80 Hit by falling obj Bruise Hand 210
210
02/18/X5 Obiwan, Nekbui MO 2 Hit by guest Loose tooth
Mouth 3,999 3,999
02/22/X5 Hardy, Erica MO 1 Slip/fall on Wet Floor Contusion
Hip 0 0 0
02/22/X5 Mathissexton, Amy MO 1 Walking/Fell In Hole
Sprain Ankle 106 0 106
02/25/X5 Middleton, Joe MO 3 Slip/fall Strain Knee 107 107
02/26/X5 Gonzales, Maggie MO 57 Lifting Strain Groin 158
158
03/04/X5 Bradley, Troy MO 4 Cut by fishook Laceration Finger
104 104
03/04/X5 Ogwe, Maribelle MO 9 Slip/fall Strain Knee 75 75
03/10/X5 Knoles, Gloria MO 40 Stubbed toe on door stop
Laceration Toe(s) 192 0 192
03/11/X5 Martinez, Viola MO 168 Contact with spa chemical
Inflamation/irritation Hand/thumb 175 175
03/12/X5 Buck, Rhoda MO 73 Slip/fall Contusion Knee 0 0
03/13/X5 Croteau, Roger MO 68 Moving/Setting Up Computer
Tables Laceration Finger 0 0 0
03/16/X5 Walline, Cindy MO 8 Box fell from shelf Contusion
Head/shoulder/hand 0 0
03/16/X5 Brams, Jennifer MO 1 Lifting Strain Back 194 194

03/18/X5 Brown, Debra MO 13 Automobile accident Contusion
Mult body 50 0 50
03/20/X5 Heine, Mitchel MO 7 Running after purse snacher on
tour Strain Knee 0 0
03/29/X5 Fishman, Victoria LT 23 Emptying Mop Bucket/Lifted
Sprain Back, lower 11,186 161,809 172,995
03/31/X5 Redmond, Drystal MO 1 Cutting Laceration Finger 0
0
04/01/X5 Huntley, Mike MO 7 Restraining intoxicated guest
Bruise Arm 235 235
04/02/X5 Huntley, Mike LT 7 Restraining intoxicated guest
Strain Back 7,051 7,051
International
All Rights Reserved
Chronological
Date
Employee
Name
Type
Length of
Emp.
(Months)
Cause of
Injury

Type of
Injury
Body Part
Injured
Paid Reserve Total
04/10/X5 Burleson, Shirley MO 37 Knee Hit Uncovered Desk
Drawer Edge Laceration Knee 0 0 0
04/12/X5 Reeder, Jd MO 21 Automobile accident Contusion
Mult body 56 0 56
04/14/X5 Baez, Monica MO 2 Automobile accident Contusion
Mult body 863 0 863
04/24/X5 Thompson, Caron MO 33 Replacing light bulb
Laceration Hand 45 45
04/26/X5 Bernales, George MO 3 Hit by debris from lawn
mower Laceration Face 187 0 187
04/28/X5 Feldman, Charlotte MO 62 Lifting Strain Back, lower
168 0 168
04/30/X5 Buccelli, Julia MO 4 Slip/fall on boat dock Strain
Thigh 758 0 758
05/02/X5 Herrin, Jesus MO 14 Slip/fall Bruise Chest 143 143
05/04/X5 Gahagan, Renee MO 9 Pushing Garbage W/ Wheels
Strain Arm, upper 865 0 865
05/11/X5 Holmes, Catherine MO 51 Getting up from floor
Strain Back 75 75
05/13/X5 Paige, Margaret MO 62 Rearended by another vehicle
05/15/X5 Wigley, Maxwell MO 44 Hit by guest Contusion Face
0 0
05/17/X5 Abreu, Jose MO 5 Spraying pest control chemical
Burning sensation Eye(s) 0 0 0
05/19/X5 Griffith, Lydia MO 2 Hib by door Contusion Knee 0 0
05/20/X5 Murray, Lakisha MO 1 Hit by golf cart Contusion
Knee 0 0 0

05/28/X5 Gonzalez, Vidmary MO 8 Exposure to weather Heat
exhaustion Mult body 28 0 28
05/28/X5 Alvarez, Susan MO 55 Exposure To Ringworm
Dermatitus Mult body 100 0 100
06/08/X5 Gerhardt, Michele MO 6 Lifting furniture Strain Mult
trunk 808 0 808
06/08/X5 Henderson, Ursula MO 43 Cut repairing property
fence Laceration Extremities, upper 259 0 259
06/09/X5 Broomfield, Jimmy MO 6 Moving material Laceration
Finger 0 0
06/09/X5 Stone, Joseph MO 15 Turning Strain Knee 0 0
06/10/X5 MacMillan, Joanne MO 1 Food preparation Laceration
Finger 169 0 169
06/10/X5 Talley, Kenda MO 27 Food preparation Laceration
Finger 155 0 155
06/19/X5 Harry, Mary MO 216 Operating machine Laceration
Thumb 467 467
06/19/X5 Pollan, Laura MO 222 Slip/fall Abrasion Knee/elbow
0 0
06/21/X5 Towns, Mary LT 9 Filling scuba air tanks Strain Back
1,589 8,861 10,450
06/24/X5 Ayiend, Tina MO 5 Lifting Strain Back 288 288
06/24/X5 Peeples, Oran MO 36 Lifting Strain Arm 320 320
06/24/X5 Thomas, Dave MO 30 Running/fell Strain Back 335
335
06/25/X5 Serock, Kathryn MO 13 Lifting An Ice Chest Into Van
07/02/X5 Thompson, Sandra MO 21 Stepped out of boat Sprain
Ankle 276 0 276
07/09/X5 Baud, Christy MO 6 Exposure to pink eye Inflamation
Eye 49 0 49
07/10/X5 Virgili, Anabelle MO 38 Lifting Box Of Binders
Strain Mult body 146 5,354 5,500
07/12/X5 Wheaton, April MO 2 Grabbed by customer Strain
Neck 146 0 146
07/17/X5 Carrillo, Earl MO 12 Reaction to spa chemicals

Chemical reaction Body 269 269
07/17/X5 Martin, Randall MO 24 Tryed To Hold Elevator
Twisted Neck Strain Neck 757 0 757
07/21/X5 Lembersk, Grace MO 1 Lifting hot pot Burn Finger
246 246
07/21/X5 LaPlante, Belle MO 1 Undetermined Strain Knee 256
256
07/23/X5 Bracey, Vanessa MO 8 Slip/fall At Jobsite Strain
Knee 0 0 0
08/03/X5 Nettles, Robyn MO 68 Hit dolly Chipped tooth Mouth
0 0
08/03/X5 Celdran, Carlos LT 29 Working On Floor Hit Plywood
08/05/X5 Lampkin, Craig MO 37 Installing door Strain Back,
lower 112 0 112
08/06/X5 Heine, Mitchel MO 11 Finned by fish Puncture Hand
136 136
08/10/X5 Wilson, Jackie MO 6 Hit by guest Contusion
Shoulder/arm 185 185
08/16/X5 Allen, Jane LT 15 Rearended by another vehicle
Contusion Mult body 2,103 14,667 16,771
08/20/X5 Lee, Stephanie MO 4 Hit By A Client Contusion
Back, upper 0 400 400
08/20/X5 Watkins, Sonya MO 11 Slip/fallon ice Strain Knee
144 144
08/20/X5 Mora, Marisol MO 11 Slipped On Wet Steps Hurt R
Side Contusion Mult body 685 0 685
08/20/X5 Waknine, Tanya MO 35 Unknown Contusion Mult
body 0 0 0
08/25/X5 Stewart, Frankie MO 10 Baitnig fish hook Puncture
Finger 0 0
08/25/X5 Snook, Maria MO 104 Lifting Strain Side 0 0
08/26/X5 Budran, Lori MO 11 Driving golf cart Strain Finger
242 0 242
08/26/X5 Serrano, Susan MO 20 Exposure to weather Heat
exhaustion Mult body 0 0 0

09/03/X5 Lewis, Tamara MO 1 Hit by thrown object from guest
Contusion Foot 260 260
09/04/X5 Stanley, Armynda MO 1 Slip/fall on ice Contusion
Buttocks 0 0
09/15/X5 Snowman, Shawn MO 31 Slip/fall down stairs Strain
Knee 736 0 736
09/15/X5 Brams, Jennifer LT 7 Undetermined Strain Back 4,814
4,814
09/16/X5 Awosian, Carol LT 7 Slip/fall Down Wet Steps Strain
Mult body 6,953 0 6,953
09/18/X5 Prado, Phyllis MO 37 Hit by falling obj Contusion
Thumb 537 537
09/20/X5 Bento, Ingrid MO 1 Walking/Slipped/Fell Into Doors
Contusion Extremities, upper 322 0 322
09/21/X5 Snyder, Linda MO 24 Lifting Sprain Ankle 0 0
09/23/X5 Johnson, Donn MO 1 Hit room divider Contusion Toe
266 266
09/24/X5 McClanahan, Lizzie MO 68 Hit by swinging door to
kitchen Contusion Finger 0 0
09/29/X5 Roseberg, Bruce MO 3 Rearended by another vehicle
Strain Mult body 1,868 0 1,868
09/30/X5 Berry, Melissa MO 3 Closed Finger In File Cabinet
Contusion Finger 0 0 0
10/01/X5 McGee, Jennifer MO 13 Hit by falling equipment
Contusion Foot 172 172
10/02/X5 Blake, Carole MO 16 Hit door Contusion Head 0 0
10/05/X5 Phillips, Terrie MO 38 Hit foot on banquet cart
Fracture Toe 451 451
10/07/X5 Ortega, Carlina MO 2 Leaving Bldg/Twisted Ankle
Strain Ankle 0 0 0
10/07/X5 Ornelaz, Evelyn MO 162 Slip/fall on ice Scratch
Knees 495 495
10/09/X5 Thompson, Caron MO 39 Lifting Strain Shoulder/arm
172 172
10/13/X5 Martinez, Virginia MO 107 Bitten by unkown
insect(s) Inflamation Back 144 144

International
All Rights Reserved
Chronological
Date
Employee
Name
Type
Length of
Emp.
(Months)
Cause of
Injury
Type of
Injury
Body Part
Injured
Paid Reserve Total
10/14/X5 Jean Louis, Mayrse MO 6 Bit by dog while on tour
Laceration Ankle 511 0 511
10/15/X5 Durbin, Edwina MO 132 Twisted ankle getting out of
chair Strain Ankle 155 0 155

10/21/X5 Antwine, Tonie LT 2 Lifting banquet table Strain
Back 1,360 1,360
10/25/X5 Tortorici, Christine MO 4 Skiing Contusion Leg,
lower 34 0 34
10/27/X5 Serrano, Susan MO 22 Skirting conference table
Puncture Finger 37 0 37
10/27/X5 Greco, Michele MO 4 Cleaning guest rooms Strain
Hand 24 0 24
10/27/X5 Matthys, Sarah MO 5 Ran Red Light-Struck By Anoth
Veh Laceration Mult body 1,058 0 1,058
10/30/X5 Thomas, Illinois MO 3 Restraining intoxicated guest
Strain Neck/shoulder 559 559
10/31/X5 Martinez, Gonzolo MO 76 Bitrten by fire ants
Inflamation Lower leg 108 108
11/02/X5 Carreras, Elida MO 24 Contact w/ chemical
11/04/X5 Hatfield, Judith MO 1 Slip/fall On Sidewalk
11/05/X5 Silis, Monica MO 3 Lifting Strain Wrist 0 0
11/09/X5 Blankes, Cara MO 15 Lifting Strain Back 283 283
11/10/X5 Pierce, Karia MO 27 Seizure Contusion Head 0 0
11/17/X5 Aguire, Ethan MO 64 Slip/fall on ice Abrasion
Knee/ankle 495 495
11/19/X5 Diaz, Consuela MO 42 Exposure to weather Heat
11/24/X5 Cherry, Natania MO 56 Driving/Rear Ended By Anoth
Veh Contusion Mult body 0 0 0
11/28/X5 Davis, Brigette MO 11 Baiting fish hook Puncture
Finger 0 0 0
12/03/X5 Carter, Mary MO 19 Automobile accident Contusion
Mult body 0 0 0
12/04/X5 Martinez, Juan MO 96 Slip/fall Strain Back 0 0
12/08/X5 Heine, Mitchel MO 16 Food service Contusion
Shoulder/arm 0 0
12/09/X5 Marshall, Tonya MO 4 Exposure to weather Heat

12/09/X5 Rogers, Diane MO 5 Exposure to weather Heat
12/12/X5 Caccerre, Gertrude MO 34 Washing dishes Scratch
Arm 0 0
12/20/X5 Newman, Harold MO 2 Fell stepping into fishing boat
12/23/X5 Boyer, Julie MO 22 Bitten By Fire Ants/Reaction
Swelling Mult body 82 0 82
12/28/X5 Fuentes, Carmen MO 35 Slip/fall Contusion Hip 0 0
12/30/X5 Tellison, Marie MO 240 Lifting Strain Back/arms 0 0
12/30/X5 Stroupe, Jackie MO 215 Restraining intoxicated guest
Strain Back 0 0
25
Total claims = 749 1,030,681 599,672 1,630,352
International
All Rights Reserved
**CardStock**
International

Appendix
author.

Reprinted with permission of International Risk Management
Institute, Inc.
ANA:1:11/13 - 1 -
Reserved.
Learning Objectives
1. Discuss the definitions of risk and the general classes of risk.

(p. 2)
2. Discuss the definition of risk management and the five steps
of the risk management process. (p. 6)
3. Discuss the components of the total cost of risk and its use as
a key risk management tool. (p. 15)
4. Discuss the uses of risk analysis and the necessary tools to
perform a risk analysis. (p. 23)
ANA:1:11/13 - 2 -
Reserved.
Learning Objective #1: Discuss the definitions of risk and the
general classes of risk.
I. What is Risk?
A. Definitions of risk
1. “Risk” is a term subject to various interpretations
in risk management. The interpretations are
usually dependent upon the perspective of the user
and the purpose for which the term is applied.
2. Risk may take the form of
a. A probability

b. A degree of uncertainty
c. Varying outcomes
d. A variance from a forecast or prediction
3. Four broad definitions of “risk” used in risk
management
a. Chance or probability of loss
b. Uncertainty concerning loss
c. Possibility of a variation of outcomes from a
given set of circumstances
ANA:1:11/13 - 3 -
Reserved.
d. Difference between expected losses and
actual losses
4. For purposes of the CRM program, the most
useful definition of risk is:
“Uncertainty that may be either positive or
negative arising from a given set of
circumstances.”
B. Types of risk

1. Pure – chance of loss or no loss (break-even)
2. Speculative – chance of loss or gain; often
referred to as a “business risk”
C. Risk management terms and definitions
1. Exposure – a situation, practice, or condition that
gives rise to a loss from a given peril leading to an
adverse financial consequence; an activity or
resource; people and assets
2. Peril – the cause of a loss
3. Hazard – a condition or circumstance that may
give rise to a loss from a given peril; physical,
moral, or moral characteristics that make the
likelihood of a loss from a given peril greater
4. Incident – an event that disrupts normal activities
and may become a loss, claim or business
interruption
ANA:1:11/13 - 4 -
Reserved.
5. Accident – an unplanned event, definite as to time
and place, that results in injury or damage to a
person or property
6. Occurrence – an accident with the limitation of
time removed; an “accident” that is extended over

a period of time rather than a single observable
happening
7. Loss – a reduction in value
8. Claim – a demand or obligation for payment as a
result of a loss
9. Frequency – the number of losses occurring in a
given time period
10. Severity – the dollar amount of a given loss or the
aggregate dollar amount of all losses for a given
period
11. Expected losses – projection of the frequency
and/or severity of losses based on loss history,
probability distributions, and statistics; the
expected loss projection is commonly called a
“loss pic” or “loss pick”
Commentary: Risk management concepts should be viewed
primarily from
the eye of the organization. While insurance agents, brokers
and insurance
carriers may provide risk management services to the
organization, the risk
management concept is driven by the risks the organization
must face.
ANA:1:11/13 - 5 -

Reserved.
D. General classes of risk
1. Six General Classes of Risk
1. Economic
2. Legal
3. Political
4. Social
5. Physical
6. Juridical
1. Economic – risks arising from operations,
economy, financial marketplace or
entrepreneurial activities
2. Legal – risks inherent in compliance or arising
from statutory liability
3. Political – risks arising from changes in the law,
government reinterpretations or changes in
government policy
4. Social – risks arising from public relations, loss of
reputation, damage to brand, cultural issues, social
direction or social media
5. Physical – risks arising from property, people or
information

6. Juridical – risks arising from a jury or judge’s
decision or from court or jury attitudes
ANA:1:11/13 - 6 -
Reserved.
Learning Objective #2: Discuss the definition of risk
management and the five steps of the risk management process.
II. Risk Management
A. Definition of risk management
Similar to “risk,” risk management has many
definitions. For purposes of the CRM program, the
definition of risk management is as follows:
“Process of managing uncertainty of exposures that
affect an organization’s assets and financial statements
using five steps: identification, analysis, control,
financing and administration.”
This process can address pure risks only (traditional
risk management), or pure and speculative risks
(enterprise-wide risk management).
The focus of the process is two-fold:
1. Protect the assets of the organization, and
2. Protect the financial statements of the

organization
Commentary: Protecting the organization’s assets and its
financial
statements may sound redundant, but they are different.
Protecting the
assets addresses the physical aspect of property and human
resources.
Protecting the financial statement addresses the financial impact
on the
organization arising out of loss to the assets and includes
circumstances
when the organization’s property and human resources are not
involved in a
loss.
ANA:1:11/13 - 7 -
Reserved.
B. The Risk Management Process
Five Steps of the Risk Management Process
1. Risk Identification
2. Risk Analysis
3. Risk Control

4. Risk Financing
5. Risk Administration
ANA:1:11/13 - 8 -
Reserved.
1.
R
is
k
M
a
n
a
g
e
m
e
n

t
P
ro
c
e
s
s
Risk Identification
The process of identifying and
examining exposures of
an organization
Risk Analysis
The assessment of the
potential impact of various
exposures on an organization
Risk Financing
The acquisition of internal
and external funds to pay
losses at the most favorable
cost
Risk Control
Any conscious action or
inaction to minimize at the
optimal cost, the probability,

frequency, severity, or
unpredictability of loss
Implementation
Implementing the desired
actions and risk management
plans
Monitoring
Examining and evaluating the
results of risk management
actions and plans
Risk
Administration
feedback
ANA:1:11/13 - 9 -
Reserved.
1. Risk Identification – the process of identifying
and examining exposures of an organization
Identification is the most important step of the
risk management process because an exposure
and/or risk must be identified before it can be
effectively analyzed, controlled, or financed.

a. Four logical classifications of exposures
1) Property
2) Human resources
3) Liability
4) Net income
ANA:1:11/13 - 10 -
Reserved.
b. Ten methods of exposure identification
1) Checklist and survey
2) Flowchart
3) Insurance policy review
4) Physical inspections
5) Compliance review
6) Procedures and policies review
7) Contract review

8) Experts
9) Financial statement analysis
10) Loss data analysis
2. Risk Analysis – the assessment of the potential
impact of various exposures on an organization
a. Qualitative analysis –the “what” analysis
1) Risk assessment – used to identify and
assess those loss exposures that cannot
be easily measured by traditional
statistical or financial methods and to
understand their impact on the
ANA:1:11/13 - 11 -
Reserved.
organization’s ultimate risks and
performance
2) Financial assessment – used to identify
and assess those broad loss exposures
that have a financial impact on the
organization but that may be difficult
to quantify
3) Loss data assessment – used to identify
and apply various methods of
assessing loss data and to analyze the

impact those losses may have on the
organization’s risk management policy
and the ultimate total cost of risk
b. Quantitative analysis – the “how much”
analysis; attempts to accurately measure
risks by using acceptable traditional
methodologies which calculate relative
values
1) Loss projections or forecasts
2) Cash discounting and net present value
(NPV) calculations
3) Cost-benefit analyses
4) Total cost of risk calculations and
analyses
ANA:1:11/13 - 12 -
Reserved.
3. Risk Control – any conscious action or inaction to
minimize, at the optimal cost, the probability,
frequency, severity, or unpredictability of loss
a. General theories of risk control
1) Human approach – people cause
accidents

2) Engineering approach – things and
energy cause accidents
3) Systems approach – systemic failures
or weaknesses cause accidents
b. Five techniques of risk control
1) Avoidance
2) Prevention
3) Reduction (pre-loss and post-loss)
4) Segregation/separation/duplication
5) Transfer (contractual, physical or both)
Commentary: While there are five techniques of risk control,
very few instances arise when the use of only one technique is
appropriate. Two or more techniques are commonly used for
the majority of applications. For example, a prevention
technique may be applied to workers compensation injuries
with a reduction technique to address the injuries that were not
prevented.
ANA:1:11/13 - 13 -
Reserved.
4. Risk Financing – the acquisition of internal and
external funds to pay losses at the most favorable
cost

a. Retention – internal funds used to pay losses
1. Active (planned)
2. Passive (unplanned)
b. Transfer of financial responsibility –
external funds used to pay losses
1. Non-insurance contractual transfer of
control or responsibility for an
exposure
2. Non-insurance contractual
indemnification or financial
responsibility
c. Insurance – equitable financing of risks,
from one entity to another, in exchange for
payment
5. Risk Administration
a. Implementation
b. Monitoring
ANA:1:11/13 - 14 -
Reserved.
The Risk Management Process Overview

Risk Identification
Logical Classifications
Identification Methods
Risk Analysis
Quantitative Analysis
calculations

-benefit analyses
analyses
Risk Control
Five Techniques – Pre-Loss
-loss and post-loss)
both)
Post-Loss
Risk Financing
Retention
Insurance
Risk Administration
Transfer

responsibility
ractual indemnification or
financial responsibility
ANA:1:11/13 - 15 -
Reserved.
Learning Objective #3: Discuss the components of the total
cost
of risk and its use as a key risk management tool.
III. Total Cost of Risk (TCOR)
A. Definition: sum of all quantified costs and expenses
associated with the risk management function of an
organization
TCOR = insurance costs + retained losses + risk
management departmental costs + outside services fees
+ quantified indirect costs
B. Components of TCOR
1. Insurance costs
2. Retained losses (passive or active) and associated
loss adjustment expenses
3. Risk management departmental costs

a. Salaries
b. Administrative charges, e.g., training and
travel expenses
c. Employee benefits
d. Risk management information system
e. Management overhead
f. Other departmental costs
ANA:1:11/13 - 16 -
Reserved.
4. Outside services fees
a. Risk management consultants
b. Third-party administrators and other providers
c. Loss control
d. Actuarial
e. Legal
f. Fee-for-service insurance brokers
5. Indirect costs – these costs cannot be precisely

measured; therefore, their impact of non-
quantifiable indirect costs should be included as
part of the qualitative assessment of risk
a. Disruption in production/sales
b. Management time spent on loss-related
activities
c. Overtime costs
d. Hiring and training replacement costs
e. Opportunity costs
f. Loss of goodwill
g. Social costs (public image, reputation, etc.)
ANA:1:11/13 - 17 -
Reserved.
C. Objective of the risk manager – to minimize the TCOR
by identifying those factors from each component that
can be more effectively managed and controlled

ANA:1:11/13 - 18 -
Reserved.
Impact of a Loss on TCOR and Sales/Revenue
Regardless of whether or not the organization includes the
TCOR
in the pricing of its products or services, any loss that is
prevented
or reduced improves the financial results of the organization.
Steps to measure the impact of a loss on sales or revenue:
1. Determine the profit margin of the organization
2. Divide the loss cost by the profit margin. The result is the
sales or revenue required to pay for the loss.
Sales/Revenue Required to Pay for Losses
Loss
Cost

Profit Margin
1% 2% 3% 4% 5%
$1,000 $100,000 $50,000 $33,000 $25,000 $20,000
$5,000 $500,000 $250,000 $167,000 $125,000 $100,000
$10,000 $1,000,000 $500,000 $333,000 $250,000 $200,000
$25,000 $2,500,000 $1,250,000 $833,000 $625,000 $500,000
$100,000 $10,000,000 $5,000,000 $3,333,000 $2,500,000
$2,000,000
Which is easier for an organization to accomplish: preventing a
loss of $10,000 or increasing sales or revenue by $1,000,000?
ANA:1:11/13 - 19 -
Reserved.
Example of TCOR (direct costs only)
Insurance costs (net of commissions) $ 800,000 (42%)
Retained losses and settlement expenses 850,000 (45%)
Risk management departmental costs
Salaries, benefits, expenses 100,000 ( 5%)
Outside services
Consulting, brokerage services 50,000 ( 3%)
Claims administration 85,000 ( 4%)
Loss control expenses 25,000 ( 1%)
Total $ 1,910,000

f(100%)
Questions to consider:
Is this good or bad?
How does this compare with revenue from year to year?
How does it compare with the competitors?
How can we pass this TCOR to the customers through product
pricing?
Outside
Services
Claims
Administration
Consulting
Other Risk
Control
Retained Losses
and ALAE
Risk Management
Department Costs
Insurance
Premiums

Outside
Services
Claims
Administration
Consulting
Other Risk
Control
Retained Losses
and ALAE
Risk Management
Department Costs
Insurance
Premiums
ANA:1:11/13 - 20 -
Reserved.
D. The TCOR is used as a key risk management tool to
assist with:
1. Making effective risk management decisions
2. Measuring progress toward risk management
objectives
3. Focusing on and promoting safety and loss control

by communicating the financial impact of a loss on
the TCOR and sales/revenue
4. Providing management and employee incentives
5. Pricing of products and services
6. Assisting with effective management of financial
budgets
ANA:1:11/13 - 21 -
Reserved.
Visualization Exercises
1. Jumping Jacks, Ltd. is a manufacturer of jump ropes with a
five-year frequency of losses as follows:
X1 120
X2 383
X3 247
X4 301
X5 199
What will predicted losses be in Year X6?

What is the range of losses that might be expected to occur in
Year X6?
What is the degree of certainty of these predictions?
2. Robert is a regional distributor of Jumping Jacks products.
He stores his inventory in a warehouse his organization
owns. Robert is considering either installing smoke
detectors, to reduce the impact of possible fire losses, at a
cost of $50,000 or renting additional space at another
location to separate his inventory at an additional cost of
$60,000.
Which should he do?
ANA:1:11/13 - 22 -
Reserved.
3. A safety consultant suggests Robert also consider a sprinkler
system that will cost $16,000 to install. Its installation will
reduce Robert’s property insurance premiums by $2,000
annually. The expected life of the sprinkler system is 15
years. Robert’s CFO states the company should earn 16% on
its investment.
Should Robert install the sprinkler system?

4. Jumping Jacks, Ltd. has just hired you as its first risk
manager. During your first week, the CFO has presented you
with a list of losses that occurred over the last five years. He
states that he believes Jumping Jacks, Ltd. would save money
by reducing controllable losses and retaining the remainder
instead of buying very expensive insurance.
a. How would you verify the loss data?
b. How would you classify the loss data?
c. How would you determine the viability of a possible
retention program?
d. How much should you retain?
e. Would you continue to buy insurance, and if so, how
much would you buy?
f. What level of deductible would you buy?
ANA:1:11/13 - 23 -
Reserved.
Learning Objective #4: Discuss the uses of risk analysis and
the
necessary tools to perform a risk analysis.
IV. Risk Analysis

A. Uses of risk analysis
1. Prioritization of risk factors
2. Verification of loss data
3. Classification of loss data
4. Prediction of losses and ranges of losses
5. Cost-benefit decision making
6. Net present value (NPV) analysis
7. Review of insurance program structure to
determine:
a. Viability of a retention program
b. Amount of retention
c. Insurance purchasing decisions, including
limits of liability
ANA:1:11/13 - 24 -
Reserved.
B. Risk analysis tools

1. Tools used to assess the likelihood an event will
occur
a. Loss analysis
b. Risk mapping or risk factor analysis
c. Probability analysis
d. Linear regression
2. Tools used to assess the impact of the event
should it occur
a. Payback analysis and accounting rate of
return
b. Cost-benefit analysis
c. NPV analysis
d. Internal rate of return (IRR) method
ANA:1:11/13 - 25 -
Reserved.
Review of Learning Objectives
1. Discuss the definitions of risk and the general classes of risk.
(p. 2)

2. Discuss the definition of risk management and the five steps
of the risk management process. (p. 6)
3. Discuss the components of the total cost of risk and its use as
a key risk management tool. (p. 15)
4. Discuss the uses of risk analysis and the necessary tools to
perform a risk analysis. (p. 23)
Section 1 & 2 Assignment
Section 1:
No homework This Section was covered in Principles of Risk
Management. You are not being quizzed on this section, nor do
you have homework on it – BUT – there could be exam
questions from it, so don’t forget to review.
Section 2:
Please complete the Skills Application Scenario #1 and #2 (only
parts 1-3)
The first scenario has to do with Risk Mapping – this should not
take you very long – make sure to look back at the information
they give you about the company earlier in the Section (Pages
2&3). Although risk mapping can look similar for different
organizations, typically location, industry, etc. can impact it.
Please show critical thinking. FYI – there is an example of a
risk map provided in the book – please do not duplicate it, but
you can use it for assistance.
The second scenario is much longer but will provide you with a
helpful exercise to prepare you for the final presentation. For
this assignment, you are only responsible for questions 1, 2 and
3. Use the info. From the chart on page 29.

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