bucking the trend: furey smyth group partners with seachange … · 2019. 5. 24. · pregnancy risk...

Bucking the Trend: Furey Smyth Group Partners with SeaChange to Grow Safety Culture and Reduce Insurance Costs

Dr. Paul Cummins & Chris Furey

Retail Excellence Ireland ConferenceMay 2019

© SeaChange Ltd 2019

Contents

➢ SeaChange Overview

Who are SeaChange and what we do

➢ SeaChange Client Results

Why our solutions are different and effective

➢ Furey-Smyth Case-Study: Making a REAL DIFFERENCE

Challenges to Address at FS Group2 SeaChange Solutions to Lead Behaviour Change

➢ Proof of Success: The Case-Study Results

Outcome of partnership

©Copyright SeaChange 2019

➢ Retail Sector Stats & Facts on Liability Risk Factors

Sector breakdown of H&S Risk Factors leading to liability claim frequency & cost

➢ Insurance Market Trends & Opportunities

➢ Furey Smyth Group Overview

Who are the Furey Smyth Group and what we do

Scope of Safety Solutions/Services

Wrongful Arrest TTT Wrongful Arrest Role-Play

STF Management Accident-Incident Reporting

Knife-HandlingBurns & Scalds

Consultancy Compliance Products Risk Management Systems

H&S Training & Certification Claim Prevention Training & Certification Online Products – Benchmarking & Reporting

E-Learning Platform

Manual HandlingFire Safety

Basic First AidOccupational First Aid

Pregnancy Risk AssessmentKnife-Handling

Expert Risk AssessmentExpert Account Management

Annual AuditsSite Support Visits

Remote MonitoringSupport Helpline

Monthly Newsletter

Site-specific Safety StatementsSite-specific Corrective Action Reports

Policies / Checklists / TemplatesVisual Risk Assessments

Bespoke per site-assessmentVisual H&S Risk Management System

Visual Risk Assessments & Training ToolsSlip, Trip & Fall Risk Management SystemWrongful Arrest Site Prevention System

Site Management Training & Certification

STF AwarenessBasic First Aid

Chemical SafetyFood Safety

PPE AwarenessWrongful Arrest Awareness

Knife-Handling

Compliance HostingRoutine Tracker

Accident-Incident TrackerMonthly Progress Reports

Annual AuditsBenchmarking

Continuous Improvement


Liability Claim Prevention Proactive Risk Management H&S Compliance Online Benchmarking

ONE-STOP SHOP FOR H&S, RISK MANAGEMENT & LIABILITY CLAIM PREVENTION

SeaChange Client Results (based on before & after cross-sectoral sample)


1000 Client Sites

Key Retail Sector Statistics & Facts


Top 6 H&S Risk Factors Leading to Claims in Retail Sector


PL Risk Factor 1 Slip, Trip & Fall (housekeeping) (e.g. grape on floor) = 59% EL Risk Factor 1 Slip, Trip & Fall / housekeeping (e.g. cluttered stock) = 30.8%

PL Risk Factor 2 Defamation /Wrongful Arrest (e.g. security contractor) = 10% EL Risk Factor 2 Manual Handling / Stretch / Over-reach (e.g. twisting) = 17.6%

PL Risk Factor 3 Food Safety Issue (e.g. foreign object in food item) = 6% EL Risk Factor 3 Cut / Laceration (e.g. knife-handling / meat slicer) = 17.6%

PL Risk Factor 4 Impact / Crush & Combi (e.g. combi collision) = 6% EL Risk Factor 4 Combi Use (e.g. hands caught between combis & doors) = 12.5%

PL Risk Factor 5 Falling Stock (e.g. loose shelving) = 5% EL Risk Factor 5 Impact / Crush & Falling Stock (e.g. product falling) = 9.3%

PL Risk Factor 6 Equipment Fault (e.g. automatic door malfunction) = 4% EL Risk Factor 6 Equipment Fault (e.g. baler) = 4.45%

Top 6 PL & EL Issues (Risk Factors) in Ranking Order*NOTE: these averaged figures are a representative sample of quantifiable data made available over 5 years and reflect the wider group. The SeaChange Intervention made a significant improvement in results since 2015

- On average, 44% of retail businesses had claims last year, of which 77% involved personal injuries- 85% of retail businesses had increases to their premium with an average increase of 30% per retail site - In general, the Retail Market does not manage risk effectively: Staff do not understand ‘Best Practice’

Cold Hard Facts – THE STF PROBLEM


15-25% of all STF accidents lead to serious debilitative injuries

Improved Housekeeping = Reduced STF Accidents + Consequential Claims (PL & EL)

STF is the most prolific high footfall risk and most frequent PL claim issue (e.g. retail – 65%)

Average insured cost of a STF accident in Ireland within the retail sector is €35,532

STF hazards are responsible for some of the highest liability claims in Ireland (50%), with compensation often reaching the six-figure mark

Retail and hospitality sectors show that over 30% of business owners operating in this sector do not provide STF risk assessments

80-95% of all workplace accidents are ‘behaviour-based’ but solutions just look at compliance

STF incidents & consequential claims has increased average liability insurance premium costs by 30% over the last 24 months

Average indirect costs of a workplace accident is €6,000 (outside of insurance)

Furey Smyth Group Overview


Eurospar Retail Group

350 Employees

Focus on Fresh Food, Customer Experience, Value and Community

7 locations nationwide

Chris Furey: Owner & Director, Furey Smyth Group

Furey Smyth Case Study


Safety and Risk management not a priority

Claim Frequency & Costs were a growing issue

Safety seen as a ‘Box-Ticking Exercise’

Avoidable Accidents & Incidents occurring

Rising Insurance Costs was a threat to our business

Engaged SeaChange

Implemented CAYGO Digital Solution to tackle STF Risk

Implemented the Risk Management Solution

Increased Staff Awareness + Manager Competence : Culture change from top down

Set Safety KPIs + Benchmarked Improvement through annual audits posted on the SeaChange Portal

2 Solutions that made a REAL DIFFERENCE


Risk Management System & Partnership‘One-Stop-Shop Visual & Proactive Solution for all Retail H&S Requirements’

CAYGO STF Management System & Partnership‘Interactive Solution to Improve Housekeeping Standards and Reduce STF Risk on-site’

1

2

All SeaChange Solutions are Bespoke to the Retailers Needs, designed to Improve H&S Standards, Provide a Tangible € ROI and Support Retailers in Being Legally Compliant & Managing Insurance Costs

Increase Safety Culture, Tackle H&S Compliance & Risk Management

Proactively Reduce STF Hazards & Associated Costs

De-risking the People Piece…

1. Risk Management System & Partnership


Central Focal Point for H&S▪ Site-specific Risk Assessment first▪ Safety COE Back-of-House, clearly visible &

accessible for staff▪ H&S Policy & Safety Statement▪ Visual Risk Assessments (JSAs)▪ Corrective Safety Actions Report

Visual Safety Mgt. System Implementation

On-Going Partnership & Interactive Routines

Continuous Imp. + Benchmarking▪ JSA visuals 70% more effective than words▪ Communicates job-related safety standards▪ JSAs used as training tool/ for induction▪ Health-check support visits by expert▪ Annual Safety Culture Audits by expert▪ Portal access to digitally log safety KPIs &

monitor progress across the group▪ Increased Defensibility

2. CAYGO STF Management & Prevention System

Copyright SeaChange Ltd 2018

Set your site scheduleE.G. CAYGO Checks: 30 mins / CAYGO Tour: 1 per day

Daily, Monthly, Annual automated Reports


Central log for H&S data• Records/Evidence/Compliance

• Transparency

• Progress Tracker

• Easy Access

• Site & Group Benchmarking

• Accident/Incident Tracker & Reporting

• SeaChange Remote Monitoring &

Account Management

Individual Site Login • Monthly Uploads

• Promotes Routines

• Helps Organisation

• Everything “under one roof”

• Controls & Manages H&S

Compliance


Accident-Incident Reports Monthly Portal KPI Progress

Annual Audits & Reports

BRADLEY CURVE – 4 PHASE SAFETY CULTURE MODEL

1

2

4

Furey Smyth Group Improved Safety Culture + Behaviours

INDIVIDUAL(IMMATURE)

DEPENDENT(POLICING)

3SYSTEMS

RANDOM

ENDURINGROUTINES

©SeaChange Ltd 2019

INDEPENDENT(CONSCIOUS HABIT)

INTERDEPENDENT(UNCONSCIOUS SUSTAIN)

Furey-Smith Results

Compliance Awareness + Training ClaimsAccidents Insurance €

100% 50%80% 60% 30%

Reduced Reserves

Cases Defended

Increased trust

DIRECT RESULTS

INSURANCE IMPLICATIONS

©SeaChange- Ltd 2019

“We are delighted that we were able to effectively improve our safety culture through SeaChange and as a result defend ourselves where appropriate and reduce our insurance costs so that we can continue to re-invest in other areas of our business” Chris Furey, Owner Director, Furey Smyth Group

# Reported Incidents

230%

Best-Practice Support in Defending the Client


Public STF Claim

Woman allegedly slipped in off-license a spillage

CAYGO was in place and proof of ‘STF zone-checks’ were available

Checks were linked with CCTV and footage demonstrated false claim

CAYGO supported current systems effectively & demonstrated Best Practice in proactive STF

management on-site

Claim was thrown out as a result of supporting evidence

CASE STUDY 1: CAYGO

Employee Manual Handling Claim

Staff member allegedly hurt back while pulling a combi

SeaChange Manual Handling Visual JSA was in place (post risk-assessment)

Staff member was signed off on the JSA and proof provided to claimant

Claim was not followed through given this evidence

CASE STUDY 2: RM

Employee Collision Claim

Staff member allegedly hit head while accessing the service /good inwards yard area

SeaChange Risk Assessment + Corrective Action Plan identified best practice signage and walkways

Staff member in question was not adhering to the risk assessment plan which was actioned by client

Staff member was signed off on the plan / JSAs and CCTV showed non-compliance

Claim was thrown out and claimant had to pay all legal costs

CASE STUDY 3: RACAP

Best-Practice Support in Insurance Cost Management


Medium/Large Group

Individual Site Renewal Structure

SeaChange partnership was in place for 2 years

RM System demonstrated good routines and risk management practices

SABRE Audit scores showed marked improvement in line with accident + claim reductions

2 sites for renewal received premium reductions based on SeaChange + improved claims

CASE STUDY 1: Spar Group

Medium Group

Group Renewal Structure


RM + CAYGO Systems demonstrated good routines and risk management practices


Significant € Savings on Group Insurance

CASE STUDY 2:E-Spar Group

Large Group

Group Renewal Structure


RM + CAYGO Systems demonstrated good routines and risk management practices


Significant € Savings on Group Insurance through existing broker + new underwriter partner

CASE STUDY 3: Londis Group

Insurance Trends & Opportunities for Retail Sector


Variability in award judgements are a big factor

Insurance seeking good risk profilesBrexit-Effect reducing competition is a big factor

High claims culture leading to higher premiums

Average 30% increase yoy over last 2 years

Proactive Risk Management is key

Focus on key risk areas can ‘Separate You from Herd’

Tide beginning to turn legally

€ increase trends set to continue in high-footfall sectors Leverage ‘good’ risk profile to manage premium cost

Increased emphasis on proactive RM record-keeping ID insurance partners that recognise proactive RM

Other Retail Testimonials… ‘Separate yourself from the Herd’

“This system is the best method of showing Safety and safe behaviours to my staff, and keeping Safety real in my store”

Alan Kealy, Spar Owner, Patrick St. Dublin.


“Since we have become a SeaChange Partner, our staff have become much more aware of the hazards in their workplace

& the store has become a safer place for staff & customers alike.”

Joey Clarke, Mace Store Owner, Ballyboughal

“The SeaChange H&S Solutions had made our site management and staff much more aware of best practice in managing

risk on a day to day basis in the retail sector. The effectiveness of the SeaChange system has enabled us to secure highly

competitive rates from our Insurers“.

David Bagnall, Operations Director, BWG

“For me the benefits of having the SeaChange System across our 15 Forecourts are greater teamwork, greater staff

awareness of risk, increased savings on H&S training and compliance costs, and reduced accidents, claims and insurance”

Mike Dalton, Retail Director, Corrib Oil

“Aviva is always keen to support Best Practice. We like the way SeaChange shows hazards in pictorial form. Aviva likes to

work with companies that are taking a positive approach to improving standards and reducing claims. SeaChange, properly

used, can help with that and we are very happy to invest in them through BWG”

Michael Brennan, European Risk Manager, Aviva

Contact Us Now

“Make Real Change and Get Tangible Results in your Organisation”


Dr. Paul [email protected]+353-870522495www.seachange-intl.com

mailto:[email protected]

http://www.seachange-intl.com/

THANK YOU – Any Questions?INVESTING IN BEST PRACTICE

Best Practice made Simple ...

SeaChange Ltd.

Block 4,Monread Commercial & Leisure Ctr.,Monread Avenue, Naas,Co. Kildare

t: +353 (0)45 856028t: +353 (0)87 0522495

e: [email protected]: www.seachange-intl.com

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This Presentation contains terminology, concepts, ideas,

formats, approaches and templates that are solely owned

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copied or forwarded by any other party without the express

permission of SeaChange Ltd


bucking the trend: furey smyth group partners with seachange … · 2019. 5. 24. · pregnancy risk...

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