Bucking the Trend: Furey Smyth Group Partners with SeaChange to Grow Safety Culture and Reduce Insurance Costs - Dr. Paul Cummins & Chris Furey ...

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Bucking the Trend: Furey Smyth Group Partners with SeaChange to Grow Safety Culture and Reduce Insurance Costs - Dr. Paul Cummins & Chris Furey ...
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 Conference
                                 May 2019

                             © SeaChange Ltd 2019
Bucking the Trend: Furey Smyth Group Partners with SeaChange to Grow Safety Culture and Reduce Insurance Costs - Dr. Paul Cummins & Chris Furey ...
Contents

➢ SeaChange Overview
  Who are SeaChange and what we do
➢ SeaChange Client Results
  Why our solutions are different and effective
➢ Retail Sector Stats & Facts on Liability Risk Factors
  Sector breakdown of H&S Risk Factors leading to liability claim frequency & cost
➢ Furey Smyth Group Overview
  Who are the Furey Smyth Group and what we do
➢ Furey-Smyth Case-Study: Making a REAL DIFFERENCE
  Challenges to Address at FS Group
  2 SeaChange Solutions to Lead Behaviour Change
➢ Proof of Success: The Case-Study Results
  Outcome of partnership
➢ Insurance Market Trends & Opportunities
                                                                                     ©Copyright SeaChange 2019
Bucking the Trend: Furey Smyth Group Partners with SeaChange to Grow Safety Culture and Reduce Insurance Costs - Dr. Paul Cummins & Chris Furey ...
Scope of Safety Solutions/Services
           ONE-STOP SHOP FOR H&S, RISK MANAGEMENT & LIABILITY CLAIM PREVENTION
   Liability Claim Prevention                            Proactive Risk Management                                    H&S Compliance             Online Benchmarking

  Consultancy                          Compliance Products                                       Risk Management Systems                         E-Learning Platform

   Expert Risk Assessment                                                                                                                               STF Awareness
Expert Account Management                                                                                    Bespoke per site-assessment                 Basic First Aid
       Annual Audits                        Site-specific Safety Statements                             Visual H&S Risk Management System               Chemical Safety
     Site Support Visits                Site-specific Corrective Action Reports                       Visual Risk Assessments & Training Tools            Food Safety
    Remote Monitoring                       Policies / Checklists / Templates                        Slip, Trip & Fall Risk Management System           PPE Awareness
      Support Helpline                          Visual Risk Assessments                               Wrongful Arrest Site Prevention System        Wrongful Arrest Awareness
    Monthly Newsletter                                                                               Site Management Training & Certification           Knife-Handling

H&S Training & Certification                      Claim Prevention Training & Certification                                 Online Products – Benchmarking & Reporting
                     Manual Handling                                                   Wrongful Arrest TTT                                                 Compliance Hosting
                        Fire Safety                                                 Wrongful Arrest Role-Play                                                 Routine Tracker
                       Basic First Aid                                                  STF Management                                                   Accident-Incident Tracker
                   Occupational First Aid                                          Accident-Incident Reporting                                           Monthly Progress Reports
                 Pregnancy Risk Assessment                                               Knife-Handling                                                        Annual Audits
                      Knife-Handling                                                     Burns & Scalds                                                       Benchmarking
                                                                                                                                                         Continuous Improvement

                                                                                  © SeaChange Ltd 2019
Bucking the Trend: Furey Smyth Group Partners with SeaChange to Grow Safety Culture and Reduce Insurance Costs - Dr. Paul Cummins & Chris Furey ...
SeaChange Client Results (based on before & after cross-sectoral sample)

1000 Client Sites

                                 © SeaChange Ltd 2019
Bucking the Trend: Furey Smyth Group Partners with SeaChange to Grow Safety Culture and Reduce Insurance Costs - Dr. Paul Cummins & Chris Furey ...
Key Retail Sector Statistics & Facts

              © SeaChange Ltd 2018
Bucking the Trend: Furey Smyth Group Partners with SeaChange to Grow Safety Culture and Reduce Insurance Costs - Dr. Paul Cummins & Chris Furey ...
Top 6 H&S Risk Factors Leading to Claims in Retail Sector

                                                 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

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%

                -      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’

                                                                                                     © SeaChange Ltd 2019
Bucking the Trend: Furey Smyth Group Partners with SeaChange to Grow Safety Culture and Reduce Insurance Costs - Dr. Paul Cummins & Chris Furey ...
Cold Hard Facts – THE STF PROBLEM
  STF hazards are responsible for some of the highest liability claims in Ireland (50%), with
  compensation often reaching the six-figure mark

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

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

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

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

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

  Improved Housekeeping = Reduced STF Accidents + Consequential Claims (PL & EL)
                          © SeaChange Ltd 2019
Bucking the Trend: Furey Smyth Group Partners with SeaChange to Grow Safety Culture and Reduce Insurance Costs - Dr. Paul Cummins & Chris Furey ...
Furey Smyth Group Overview

Eurospar Retail Group

Focus on Fresh Food, Customer
Experience, Value and Community
7 locations nationwide

350 Employees
                                                  Chris Furey: Owner & Director, Furey Smyth Group

                                  © SeaChange Ltd 2019
Bucking the Trend: Furey Smyth Group Partners with SeaChange to Grow Safety Culture and Reduce Insurance Costs - Dr. Paul Cummins & Chris Furey ...
Furey Smyth Case Study

Safety and Risk management not                                       Engaged SeaChange
a priority
Safety seen as a ‘Box-Ticking Exercise’                              Implemented the Risk Management Solution

Avoidable Accidents & Incidents occurring                            Increased Staff Awareness + Manager Competence :
                                                                     Culture change from top down
Claim Frequency & Costs were a growing issue                         Implemented CAYGO Digital Solution to tackle STF Risk

Rising Insurance Costs was a threat to our business                  Set Safety KPIs + Benchmarked Improvement through
                                                                     annual audits posted on the SeaChange Portal

                                                  © SeaChange Ltd 2019
Bucking the Trend: Furey Smyth Group Partners with SeaChange to Grow Safety Culture and Reduce Insurance Costs - Dr. Paul Cummins & Chris Furey ...
2 Solutions that made a REAL DIFFERENCE
  1   Increase Safety Culture, Tackle H&S Compliance & Risk Management

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

  2   Proactively Reduce STF Hazards & Associated Costs

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

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       De-risking the People Piece…

                                                          © SeaChange Ltd 2019
1. Risk Management System & Partnership
                       Visual Safety Mgt. System Implementation
                                         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

                     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
                © SeaChange Ltd 2019
2. CAYGO STF Management & Prevention System

    Set your site schedule                                                            Daily, Monthly, Annual
E.G. CAYGO Checks: 30 mins / CAYGO Tour: 1 per day
                                                                                       automated Reports

                                                     Copyright SeaChange Ltd 2018
                                                       Copyright SeaChange Ltd 2019
Accident-Incident Reports                                                Monthly Portal KPI Progress

                                            Annual Audits & Reports
Central log for H&S data                                                 Individual Site Login
•   Records/Evidence/Compliance                                          •   Monthly Uploads
•   Transparency                                                         •   Promotes Routines
•   Progress Tracker                                                     •   Helps Organisation
•   Easy Access                                                          •   Everything “under one roof”
•   Site & Group Benchmarking                                            •   Controls & Manages H&S
•   Accident/Incident Tracker & Reporting                                    Compliance
•   SeaChange Remote Monitoring &
    Account Management
                                                  © SeaChange Ltd 2019
Furey Smyth Group Improved Safety Culture + Behaviours

        BRADLEY CURVE – 4 PHASE SAFETY CULTURE MODEL

         1RANDOM

                        2 SYSTEMS
                                                  3ROUTINES           4 ENDURING
           INDIVIDUAL      DEPENDENT                INDEPENDENT          INTERDEPENDENT
          (IMMATURE)       (POLICING)             (CONSCIOUS HABIT)   (UNCONSCIOUS SUSTAIN)

                                    ©SeaChange Ltd 2019
Furey-Smith Results

  DIRECT
  RESULTS

Compliance Awareness + Training     # Reported Incidents                Accidents Claims Insurance €

  100%              80%                       230%                          50%             60%             30%

                 Reduced Reserves      “We are delighted that we were able to effectively improve our safety culture
  INSURANCE                            through SeaChange and as a result defend ourselves where appropriate and
 IMPLICATIONS    Cases Defended        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
                 Increased trust

                                      ©SeaChange- Ltd 2019
Best-Practice Support in Defending the Client

                   CASE STUDY 1:                                       CASE STUDY 2:                                       CASE STUDY 3:
                      CAYGO                                                 RM                                                RACAP
                 Public STF Claim                                                                                   Employee Collision Claim

 Woman allegedly slipped in off-license a spillage                                                       Staff member allegedly hit head while accessing
                                                            Employee Manual Handling Claim                     the service /good inwards yard area
CAYGO was in place and proof of ‘STF zone-checks’
                were available                       Staff member allegedly hurt back while pulling a     SeaChange Risk Assessment + Corrective Action
                                                                         combi                          Plan identified best practice signage and walkways
   Checks were linked with CCTV and footage
           demonstrated false claim                   SeaChange Manual Handling Visual JSA was in       Staff member in question was not adhering to the
                                                             place (post risk-assessment)               risk assessment plan which was actioned by client
 CAYGO supported current systems effectively &
  demonstrated Best Practice in proactive STF        Staff member was signed off on the JSA and proof   Staff member was signed off on the plan / JSAs and
            management on-site                                    provided to claimant                           CCTV showed non-compliance

 Claim was thrown out as a result of supporting         Claim was not followed through given this       Claim was thrown out and claimant had to pay all
                  evidence                                              evidence                                          legal costs

                                                                © SeaChange Ltd 2019
Best-Practice Support in Insurance Cost Management

                  CASE STUDY 1:                                     CASE STUDY 2:                                     CASE STUDY 3:
                   Spar Group                                        E-Spar Group                                      Londis Group

             Medium/Large Group                                                                                       Large Group

       Individual Site Renewal Structure                          Medium Group                                 Group Renewal Structure

 SeaChange partnership was in place for 2 years              Group Renewal Structure                 SeaChange partnership was in place for 3 years

RM System demonstrated good routines and risk      SeaChange partnership was in place for 3 years   RM + CAYGO Systems demonstrated good routines
           management practices                                                                             and risk management practices
                                                  RM + CAYGO Systems demonstrated good routines
SABRE Audit scores showed marked improvement              and risk management practices             SABRE Audit scores showed marked improvement
    in line with accident + claim reductions                                                            in line with accident + claim reductions
                                                  SABRE Audit scores showed marked improvement
2 sites for renewal received premium reductions       in line with accident + claim reductions      Significant € Savings on Group Insurance through
     based on SeaChange + improved claims                                                              existing broker + new underwriter partner
                                                      Significant € Savings on Group Insurance

                                                             © SeaChange Ltd 2019
Insurance Trends & Opportunities for Retail Sector

Average 30% increase yoy over last 2 years                                  Tide beginning to turn legally

High claims culture leading to higher premiums                              Proactive Risk Management is key

Variability in award judgements are a big factor                            Focus on key risk areas can ‘Separate You from Herd’

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

€ 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
                                                     © SeaChange Ltd 2019
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

                                                    © SeaChange Ltd 2019
Contact Us Now
“Make Real Change and Get Tangible Results
in your Organisation”

                                             Dr. Paul Cummins
                                             paul.cummins@seachange-intl.com
                                             +353-870522495
                                             www.seachange-intl.com

                           Copyright SeaChange Ltd 2019
THANK YOU – Any Questions?
                            INVESTING IN BEST PRACTICE

SeaChange Ltd.
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                                          formats, approaches and templates that are solely owned
Monread Avenue,                            and protected by SeaChange Ltd and may not be used,
Naas,                                    copied or forwarded by any other party without the express
Co. Kildare                                            permission of SeaChange Ltd

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

e: paul.cummins@seachange-intl.com
w: www.seachange-intl.com                             Best Practice made Simple ...
                                     © SeaChange Ltd 2019
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