Risk Management

Property/Casualty Program Resources

Aon Quality Institute - Aon Association Services is proud to announce the launch of the Aon Quality Institute! 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. Our program 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. Begin AQI Course: Please select headquarters' state AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VI VT WA WI WV WY Current insureds must successfully complete the course in order to be eligible for the 10% credit at their next renewal. New program insureds must successfully complete the course within 60 days of their coverage effective date in order to retain the 10% credit. The course has been designed in three segments: Senior Management Staff, Middle Management Staff, and Line Staff. The Senior Management Staff segment was launched in January 2006. The Middle Management segment will be launched in July 2006 and the Line Staff segment will be launched in December 2006. Note that the Line Staff segment will be made available both online as well as in a PowerPoint format upon request. Senior Management Staff is defined as: CEO, President, Executive Director, HR Officer, CFO, Chief of Operations, Medical Director, Risk Manager/Chief Risk Officer. Middle Management Staff is defined as: Administrator, Director of Nursing, Safety/Maintenance/Engineering Director, Activity Director, Food Service Director, Physical Therapy Director, Volunteer Director and other department directors/managers. Line Staff is defined as: Registered nurses, licensed vocational nurses or licensed practical nurses, housekeeping, dieticians, social workers and other line staff positions. Each segment contains three modules: Administrative, Resident Safety, and Environmental. There is a post-test after each module which must be passed with a score of 70 or better. Click here to preview the Aon Quality Institute. What are AAHSA members saying about the Aon Quality Institute? Begin AQI Course: Please select headquarters' state AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VI VT WA WI WV WY Reducing Your Property/Casualty Insurance Costs Through Loss Control Comparison of Claims Data in Long-Term Care Report - The report includes an overview of the litigation environment, claims analysis and strategies for reducing risk exposures. Claims from not-for-profit and for-profit facilities from 2000 to 2004 are compared to provide a risk analysis that responds to two key questions: What are the risk exposures in not-for-profit organizations and how do these exposures compare with the for-profit sector? How can these risk exposures be prevented, diminished and/or better managed? An Overview of Commercial General Liability Insurance - Commercial General Liability insurance is designed to protect business owners from a variety of exposures. It can cover liability arising from accidents on or off premises, to products sold by the insured that result in injury to the user, to contractual liability, leaving an owner free to concentrate on managing their business. Screening Prospective Staff is Sound Risk Management - Know whom you are hiring up front to save yourself wasted recources down the line. When Backing Up, Drivers Need Eyes in the Back of Their Heads - The most common business auto claim is backing up into something. Expensive auto damage, repairs and injury can be avoided by teaching your nonprofit's drivers to be cautious when backing up. Business Continuity Planning - Business continuity planning is an important aspect of any risk management program. Win Chaiyabhat of Aon Chicago has written this article that addresses areas to consider when developing a business continuity and crisis management plan. Although the article is geared more toward a for-profit organization, there are interesting discussion points that should be reviewed by anyone involved in a company's risk management program, whether for-profit or nonprofit. (Please note, this article is in PDF format.) Our Money? Why It's Not Our Car!? The driver's policy should pay. - Many insureds assume the insurance follows the vehicle owner. That is usually true. Unfortunately, employees or volunteers using their own car on retirement home business may carry no insurance or more often have low limits. Resident Falls -- Accidents or Malpractice? - In recent years, we have seen a trend in insurance claims that is disturbing, and that trend is the growing tendency to present claims as professional liability, resulting in significantly higher claims expense and payments. Emergency Preparedness - Who, Us? - In the last year, weather-related and other emergency events caused millions of dollars in damage to AAHSA member facilities and, in a few instances, caught the victims by surprise. In other cases, the insurance carried by those facilities covered not only the damage, but the evacuation of their residents and housing at alternate sites - even when the anticipated calamity did not come to pass. Q&A Background Checks - Criminal history record checks are important risk management tools but must not replace other risk management strategies designed to lessen the opportunity for abuse of vulnerable service recipients. The following are some of the more frequently asked questions concerning criminal history record checks. CNA Risk Management Articles CNA Alert Bulletin, 03.06 - Needle and Syringe Reuse = Infection Risk CNA Alert Bulletin, 02.06 - Feeding Assistants: A Risk Management Perspective CNA Alert Bulletin, 11.05 - Window Restrictors Balancing Safety and Quality of Life CNA Alert Bulletin, 1.05 - Meeting the New Patient Safety Goals for Long Term Care and Assisted Living CNA Alert Bulletin, 11.04 - Surviving Flu Season in the Wake of the Vaccine Shortage CNA Alert Bulletin, 7.04 - Photographic Wound Documentation: Consistent and Accurate Methods Can Help Reduce Liability CNA Alert Bulletin, 6.03 - Star ME-1 Dry Fire Sprinkler Recall Annouced by the CPSC and American Household Inc. CNA Alert Bulletin, 1.03 - Advertising Re-Emerges as a Significant Risk Exposure for Healthcare Organizations CNA Carefully Speaking, 2006 - Issue Two - Pain Medication Risks in the Long Term Care Setting CNA Carefully Speaking, 11.05 - Getting Down to Cases CNA Carefully Speaking, 9.05 - Proper Nourishment Helps Trim Risk CNA Carefully Speaking, 2.05 - Resident Assessment is Key to Reducing Risk CNA Carefully Speaking, 1.05 - Leading the Fight Agains Violent and Abusive Acts CNA Carefully Speaking, 7.04 - Financial Risk Management: An Underwriting Perspective CNA Carefully Speaking, 4.04 - Employee and Staffing Agency Hiring Practices - Sound Policy is Key to Mitigating Risk CNA Carefully Speaking, 1.04 - Assisted Living - A Risk Management Perspective on a Growing Industry CNA Carefully Speaking, 7.03 - Better Communication Means Lower Risk CNA Carefully Speaking, 1.02 - Resident Elopement: Managing the Liability Risks of Wandering