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
Retail Excellence Ireland Conference
May 2019
© SeaChange Ltd 2019
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
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
SeaChange Client Results (based on before & after cross-sectoral sample)
1000 Client Sites
© SeaChange Ltd 2019
Key Retail Sector Statistics & Facts
© SeaChange Ltd 2018
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
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
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
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
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 20191. 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 20192. 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 2019Accident-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 2019Furey 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 2019Furey-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 2019Best-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 2019Best-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 2019Insurance 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 2019Other 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 2019Contact 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 2019THANK YOU – Any Questions?
INVESTING IN BEST PRACTICE
SeaChange Ltd.
Block 4, SeaChange Intellectual Property
Monread Commercial & Leisure Ctr., This Presentation contains terminology, concepts, ideas,
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 ...
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