ON THE RISE
unexpected financial exposure. "Tat's where the claims are coming from in the past
three or four years, and we're seeing more of it," he ex- plained. "It is not a driver of premium costs. Tat coverage is very nominal, but some companies don't offer the coverage and that poses a problem." Contractors and school districts may think they're cov-
ered because a policy includes a $5 million general liability or auto provision, but they may be wrong. Carlons said he would like to see districts and states create uniform guide-
lines for abuse and molestation coverage. "It's incumbent on school boards to pay
attention to that because it is separate and distinct coverage," he added. In the end, Silvestro said the answer to
reducing risk and containing premiums is "like anything else — continuous rein- forcement of good behavior." She strongly recommended that contractors become active partners with insurers. "Tere are people who don't want to be
actively involved. Tey just want to call and their problem goes away," she added. "Te ones that 'get it' look at us as a partner, not as an adversary." She added that insurance is probably one of the top three expenses for school bus operations, so the goal should be to work with insurance companies to reduce costs and control losses.
“'Napoleon said, ‘Give me enough medals and I will win you any war.’ Everyone likes to be recognized. When you reward good performance, drivers become the best salespeople for your safety program.” RANDY O’NEILL, LANCER INSURANCE
"Operators can and should take predict-
able risk," she continued. "Trough our underwriting process, we can tell them what we expect their future claims to be based on their history. Teir goal should be to mit- igate the factors causing losses, which will make them safer and reduce costs." Carlson said he sees added benefit in maintaining a long-term relationship with a quality carrier, too. "Most of our clients have been with us 11 or 12 years. Because of that consistency, you're not going to get punished as much for one bad year as you do when you're flipping around," he suggested.
46 School Transportation News June 2013
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