Property/Casualty Program

Reducing Your Property/Casualty Insurance Costs Through Loss Control

AAHSA and Aon Association Services always strive to save program insureds money--and reduce risk--on property and casualty insurance. To achieve these objectives, loss control representatives offer risk management and loss control seminars and in-service training that are tailored to the specific needs of our program insureds. These programs are designed to help educate your executives and staff on ways to reduce risks, lower claim frequency and insurance costs.

In order to more efficiently and effectively stress our risk management and loss control initiatives, Aon has developed the Aon Quality Institute (AQI). This web-based risk management tool, which supports AAHSA's Quality First initiative, is not only educational but also user-friendly and easily accessible. The Institute is ONLY accessible by our AAHSA Property/Casualty insureds. AQI participating insureds are eligible to receive a 10% credit on their general liability/professional liability premium after they have successfully met the requirements in completing the course.

AAHSA and Aon have developed the Aon Quality Institute to support the focus on resident safety and help manage operational challenges. The risk management recommendations in this course may be used to evaluate a facility's current risk management plan and implement additional initiatives where needed.

Loss control representatives are qualified to address a full-range of risk management techniques and concepts including:

Care-Related Resident Injuries
Fall Prevention - This program works with your facility to help identify those residents that may be prone to falling. Information is provided on the types of equipment that can be utilized to help alert your staff on the movements of a resident that has been identified as a potential accident victim.

Elopement Prevention - Loss control representatives can work with your facility to identify those residents that have the potential to "elope" or "wander." Once identified, procedures and equipment are discussed to assist in the necessary and continual monitoring of these residents.

Resident Lifting/Transfer - One of the greatest exposures to residents and staff occurs during the lifting, transfer, and ambulation of residents. Even the best trained employee can be the victim of severe injury when a resident fails to assist or cooperate in the procedure. This seminar is geared toward administrators and supervisory personnel. This program focuses on the specific needs of your facility by addressing your residents' needs using the equipment you have on hand at the present time.

Wound (Decubitis) Prevention - The existence of decubitis on a resident has become a real target -- for care givers, for Department of Health inspectors, for attorneys, and for the media. There is no more graphic evidence of failure to provide care than the presence of an open, gaping wound that could have been prevented. A review of this exposure includes identifying those residents at risk, constant observation of the residents, regular identification and documentation of wounds, photos as and regular monitoring of existing wounds.

Fire Safety
The loss control representative will inspect the facility for potential fire hazards such as faulty smoke detectors or no smoke detectors at all, storage areas that might possibly be blocking sprinkler heads, chemical storage, the kitchen areas, etc.

Incident Reporting Protocol
Our indications are that the potential for a large loss payment is greatly reduced in those situations where the incident was reported immediately to CNA's claim personnel. The loss control representative works with the nursing staff to develop procedures that are regularly followed in documenting incidents involving the residents.