BIKE PATROL: A GREAT CHOICE FOR COMMUNITY RELATIONS 

Ellen LeMasters, American Bike Patrol

From the benefits bike patrol has had on law enforcement, all the way down to the positive
environmental values bike patrol puts forth, one may instead ask why not bike patrol? Bike
patrol was first invented in the mid-to-late 1800s, starting with a very heavy iron and wood pedal
bicycle. The bike patrol industry has continued to grow ever since it developed into the modern
diamond frame safety bicycle. Because of the ease that comes along with integrating bike patrol
into a community, bike patrol offers a better way to protect and serve a community in the most
cost-friendly manner.

Did you know that bike patrols result in more than twice as many contacts with the public than
vehicle patrols? The novelty of a police officer on a bike creates an atmosphere where members
of a culturally diverse community can start overcoming any negative perceptions that may have
been placed upon law enforcement from prior encounters with patrol cars. A bicycle patrol
officer has been proven to be more easily approachable than a car patrol officer.

Even more than just their role in community relations, bike patrol units also generate faster
response times than patrol cars due to the mobility and stealth bicycles have to offer, especially
with the introduction of Patrol eBikes. Bike patrol units can fit and maneuver into areas that
patrol cars cannot, such as squeezing into small alleyways, riding right up to the doors of
buildings, and even going down stairwells. They are also way less obvious and easy to point out
than patrol cars, making it harder for criminals to notice them approaching.

Along with their impact on community relations and visibility, bike patrol is drastically more cost
effective and environmentally safe than patrol cars. A fully outfitted bike costs around $1500,
requires no gas, and is lower maintenance, while also providing a significantly lower carbon
intake than patrol cars. Even at an average cost of $2500 per bike, which includes bike training
and bike maintenance, a police or security department can put a team of approximately 15-20
officers on bicycles for the price of one patrol unit. Even further, bike patrol units provide a
physical health benefit for patrol officers who have to stay active during their entire shift as they
are constantly cycling throughout their communities.

At American Bike Patrol Service, we are dedicated to serving law enforcement by covering any
needs when it comes to bike patrol. With over 25 years in the industry, hundreds of officers
trained from police departments, security agencies, military and private corporations, we
continue to utilize the knowledge we have gained from our experiences and years of product
testing in order to ensure that all clients are receiving the finest products and services that align
with their specific budget and needs. We as a company strive to help ensure safety within
communities by offering law enforcement and security with the best bike patrol services they
can receive.

 

ALIANZA: BLAZING A TRAIL FOR Q BY TEAM SOFTWARE

Team Software Team

For small companies with distributed workforces, like the contract security industry, site level visibility, managing hourly staff and keeping communication lines open are key areas that can make or break the business. While spreadsheets, emails and texts can suffice for a while, those tools typically aren’t sustainable, growth-enabling or without complexity. For Alianza Security Professionals, a small, private security company based in Dallas, Texas, setting and delivering on high standards is the company’s competitive differentiator. By developing a distinct culture of service and accountability along with adopting security industry-focused technology solutions to support it, the up-and-coming company has gained a foothold in the Texas security market with 11 guards and more than 10 service locations.

Alianza uses Silvertrac’s guard touring solution combined with a new field workforce management toolset for small contractors called Q by TEAM Software. Q enables companies to direct, set and track the operations of their distributed workforce. As an always-on solution, Q helps manage and track productivity, open up communication and retain the employees who are making an impact. In other words, Q strongly aligns with Alianza’s strategic goals, supporting accountability in the field, more communication and, ultimately, better results.

“There are a few problems within the security industry, and they are massive. I know the pain points,” explained J.D. Torres, Alianza Principal and Founder. “Guards are asleep on the job or leaving the property. They don’t show up. They’re late, or don’t know when to show up.

“The biggest benefit of Q so far has been the scheduling piece and the ability for staff to clock in and out on site,” Torres continued. “It’s an accountability tool for them to know when they need to be on site, and I want to make sure my staff have the tools to be successful.”

A technology solution along with appropriate processes help boost the reliability and service quality of Alianza’s workforce. In addition, for Torres, simplicity is key along with a basic set of features, including the ability to communicate the schedule and see who is onsite and on time, in real time.

“The scheduling functionality is cut and dry and much simpler than the previous scheduling software I had been using,” Torres said. “Q really fits my needs right now, especially for my industry.”

With Q’s streamlined scheduling and time and attendance capabilities, Alianza can capitalize on its promise of accountability to customers. Plus, proactively managing the schedule benefits the company in many ways, including overtime prevention, better site coverage and accurate customer billing.

“This is the tool that we depend on, and I tell [our prospective customers] the value that it brings,” said Torres. “I put both Q and Silvertrac in my sales deck. I’m telling my clients what differentiates us in the market, and that’s accountability.”

Along with right-sized, industry-specific technology, Torres and partners back up their accountability promise to clients by building a culture around delivering on high expectations. According to Torres, that helps them win business when up against bigger, more established firms.

“It’s the difference between McDonald’s and Chick-Fil-A. The culture is different, and training is different, but price point is the same,” he said.

Torres explained that Alianza builds their culture and reputation through smart hiring practices, focusing on people eager to grow and pairing skills and experience with the right position.

“I have a different recruiting effort,” said Torres. “I’m not interested in someone who has worked a foot-patrol post for five years. Those people have figured out how to cut corners, and they aren’t interested in growing or moving up. I’d rather have someone who is new to the industry, and who understands what my expectations are.”

Torres and his team also see a need at sites for a bilingual workforce in the Dallas area to bridge communication gaps and ensure continuity among all services providers.

“We’re building a bilingual workforce because there’s a huge disconnect between janitorial contractors, day porter staff and the security staff due to language barriers,” he noted. “They’re handing off important things, like keys, and no one knows what the other is saying.”

Torres and his team have their fingers on the pulse of the security industry. That’s apparent through their approach to service as well as in their hiring practices. And, as an original beta  customer, Alianza has provided pivotal input and feedback on Q to ensure the solution serves the needs of the small market security contractor.

“It was a crazy kind of thing. We [at Alianza] were developing our security offering at the same time TEAM was developing the Q product,” Torres said. He also knew TEAM Software and had  used TEAM’s signature ERP software, WinTeam, before, too. So, there was a familiarity and natural alignment throughout the  beta experience.

“I felt like we had a partnership with TEAM right from the start,” he said. “TEAM seems like it’s a part of my company. That’s where the real value is. And, that’s who I want to be for my clients. I want to give them the kind of service that TEAM is giving us.”

 

About TEAM Software

TEAM Software develops financial, operations and workforce management solutions for contractors with distributed workforces of any size, with a focus on the building service

and security industries. TEAM’s efficiency-enhancing technology transforms business management and drives profitability. TEAM’s industry-specific solutions range from a complete enterprise software ecosystem to a right-sized workforce management toolset that connect key components of customers’ businesses. Founded in 1989, TEAM is an Omaha, Nebraska-based technology company with more than 400 customers all over North America. For more information, visit teamsoftware.com.

About Alianza Security Professionals

Alianza is a private security company licensed by the Texas Department of Public Safety, that provides integrated security, private investigation services and risk management services to corporate, individual and non-pro?t clients. Alianza leadership has been inside the industry for decades, have identi?ed the “pain points” in the industry and have worked tirelessly to separate themselves from the rest of the pack.  How? Through training, communication, coordination, execution and methodology. Visit alianzasecure.com to learn more.

6 TIPS TO RETAIN GOOD SECURITY OFFICERS

Kwantek Team

Turnover is always a challenge in the contract security industry, but not all employee turnover has the same impact.

While losing mediocre employees creates more work for you, losing your best security officers can impact the health of your business.

If you’re struggling to retain your best security officers, follow these six tips.

Ensure Job Fit From Day One

No one wants to work at a job that prevents them from spending time with their families or forces them to work in an environment that clashes with their preferred working styles.

To keep your security officers long-term, make sure you’re putting them in an ideal position on their first day on the job. Follow these tips to ensure you’re hiring the right person for the job:

  • Tip #1: Determine what shift they want to work. The hours that people work have an impact on their personal time. To retain your security officers, put them on shifts that complement—rather than impede—the things they want to do in their time off of work.
  • Tip #2: Find out how they like to work. Some people thrive when they’re surrounded by others. Others thrive when working alone. Determine the ideal working conditions for each new security guard, and place them in roles that match those preferences.
  • Tip #3: Ascertain their long-term goals. Some employees may have goals to move into supervisory positions. Others get bored easily and want to learn something new every few months. Find out what new security officers are looking for in the future, then, for example, you can create paths to promotion or plans to move them into new roles.

Sometimes, you can ascertain the answers to these questions during an interview. However, when people are just hoping to get hired, they may give you the answers they think you want to hear rather than truly honest answers.

A better way to find out what each new security guard needs is to use Kwantek’s Working Style Assessment. Our pre-hire assessment asks prospective employees a series of questions that help you determine the best job fit for new security officers, providing you with honest answers about each employee’s preferred working conditions, ideal environments, and long-term goals.

Provide Great Security Officers with Incentives to Stay

Getting new employees in the right role is just step one of retaining them. Once they’re in their positions and doing great work, you need to make an effort to incentivize them to stay.

And while the most obvious incentive is increased pay, that may not always be a viable option for your business. Luckily, there are plenty of other ways to keep great security officers engaged:

  • Tip #4: Offer unique benefits. Even if you can’t afford frequent salary increases, you can make your position better than others your security officers may be considering. Consider increasing the amount of paid time-off your best security officers get, moving them to locations closer to their homes, or offering free snacks and coffee at work.
  • Tip #5: Create a great culture. Creating a great culture doesn’t require a monumental effort. Sometimes, it’s as simple as making your employees feel heard. Build a culture where everyone feels valued by making sure employees have regularly scheduled meetings with their supervisors where they’re free to ask questions and share concerns.
  • Tip #6: Provide incentives to stay. Consider offering officers an annual bonus for each year they stay on the job, giving your most tenured officers their choice of shifts or locations, or creating a promotion path that satisfies the goals of ambitious officers.

Retaining your best security officers isn’t always a matter of offering the highest salary. By providing your security officers with a work environment that makes them feel comfortable and valued—and benefits that provide them with a better work-life balance—you can create positions that are much harder for great security officers to walk away from.

Avoid Turnover and Retain Your Best Security Officers

Sometimes, high turnover—even among your best employees—feels inevitable in the contract security industry. However, if you put people in the right roles from day one and offer unique incentives for great employees to stay with your company, you can stop the revolving door and start retaining your best security officers long-term.

If you’re interested in learning more about how Kwantek’s Working Style Assessment can help you identify the best candidates in the pre-hire process, click here to schedule a demo.

 

EDUCATING YOUR CLIENTS ON THE PERILS OF REST PERIOD VIOLATIONS

Annette M. Barber, Esq., Bradley & GmelichCALSAGA Network Partner

How many times have you attempted to discuss rest periods and the need for relief with your clients?  How did that go?  Did you receive a glazed look that showed lack of interest, or did you receive a hostile response such as “Those are your employees – they are not my responsibility!”  If you are like a lot of account managers, you might have decided not to pursue the issue further and silently vowed to yourself that you would handle this.  Did I summarize this scenario accurately?  If yes, you are not alone.

Unless you have been living in a cave for the past two years, you know that the ruling in Augustus v. ABM Security Industries, Inc., significantly changed the way security professionals operate their businesses. It doesn’t matter any longer if you have one lone guard at a site:  he or she must receive two paid ten minute breaks each day, free from all duties, or you must pay the employee an additional hour of pay for each day.  End of story.

Some businesses may decide to pay the extra hour due to no other reasonable options.  But some of you may decide to partner with your clients to try to develop options to stay legally compliant without incurring additional costs.  That requires you to educate your clients and to also be creative.

Educating your clients shouldn’t be so difficult, right?  But your client’s “What’s in it for me?” response when you approach the topic is not for the faint of heart.  Here is an approach that might work.

  1. Start with the positives – we value your business, we want to ensure the coverage you want and need, we want to limit your liability and prevent co-employment issues.
  2. The ruling in Augustus was unexpected and impractical, but is now the law and we need to comply.
  3. We will be charged one hour of pay for every violation if we cannot give our employees rest periods free from all duties.
  4. And unfortunately, California Labor Code section 2810.3 now makes clients of staffing companies (which guard companies fall under) share in the liability for wage and hour violations of the staffing company, which can include penalties and interest. You could be named in a wage and hour class action lawsuit, which are on the rise.
  5. So we would like to partner with you on reaching some solutions to allow both of us to stay compliant.

At this point, you should offer a few solutions, preferably those that will not cost the client more money, but the reality is that both you and the client should share in any extra costs.

It may be that it is so important to the client that a lone guard not receive an off duty rest period and the client is willing to pay an additional hour of pay (doubtful).  Or maybe the client will agree to let the officer put up a sign that says “Back in 10 minutes.”  Maybe the client has a receptionist that could fill in for an officer twice a day.  In the grand scheme of things, specifically an 8-hour shift, two 10-minute breaks shouldn’t be a deal breaker.

This issue will need to be readdressed as service issues arise, service needs change, staffing changes, etc.  If you are having concerns about a client and/or staying compliant with this requirement, don’t hesitate to reach out to counsel experienced with the security industry.  Wage and hour lawsuits are the most commonly filed lawsuit in the state of California.  Don’t let your company be another statistic.

 

Annette M. Barber is Special Counsel on Bradley & Gmelich LLP’s Employment Team.  She represents clients providing employment advice and counsel in all aspects of hiring, performance management, training, compensation, and termination. Ms. Barber spent the past 17 years working with a global security company of 100,000 U.S. employees as an employment law attorney and then as Corporate Vice President directing HR Compliance nationwide for all 50 states, Puerto Rico and Guam.

Annette drafts and revises policies, handbooks, and extensive training materials for the firm’s clients.  She is a member of the Association of Workplace Investigators, numerous bar associations and employment law sections.  abarber@bglawyers.com / 818-243-5200

AN INSURANCE GUIDE: THE MINDSET OF AN UNDERWRITER IN THE PRIVATE SECURITY INDUSTRY

Blair Brownyard, Brownyard Programs

To the business world, insurance is a necessary evil. However, with insurance costs increasing each year, many security companies would go naked, if their clients didn’t insist that they carry insurance. No doubt after your latest renewal increase, this seems like a reasonable proposition. To minimize your next rate increase, here is the mindset of an insurance underwriter who is asked to underwrite and price the liability insurance of a private security company.

With most products, you know what the cost is when they are sold. Not so with insurance products; an insurance company doesn’t know how much their product costs until 5-10 years after they have sold it. And that’s why the pricing of liability insurance is so unpredictable. To give themselves an edge in predicting how much they pay in claims versus how much they received in premiums, insurance companies develop underwriting guidelines/criteria/signposts, which are supposed to help them determine the probability of losses with a specific type of insured to help them make a profit. The four basics of underwriting guidelines are:

  • Prior Loss/Claim Experience
  • Type of Operations
  • Company Management and Sophistication
  • Contract Language
  1. Prior Loss/Claim Experience

This is one of the most critical elements in underwriting a company. Review your current claims through your insurance broker and be aware of your current claim expenses and reserves annually. A poor claim history has a big impact on your premium costs. A poor claim history is due to a number of factors, some of which can be avoided based on the factors below.

  1. Types of Operations

Different clients will bring different risk to your company because many types of operations have historically brought more likelihood of claims. Your large contract with a fast food chain could be enticing for the money but may result in adverse loss experience and a higher insurance premium. Conversely, a gated community client may help reduce your underwriting factors to the carrier, thus decreasing your premiums. Here is a general list of high risk operations that create higher than average premiums. The locations of these operations are also a big factor – the higher the crime in the area, the higher the risk:

  • Anywhere alcohol is served or sold
  • Crowd control at stadiums, events, or concerts
  • Low-income housing
  • Fast food chains
  • Schools
  • Movie Theaters or Malls
  1. Company Management and Sophistication

Underwriting will typically look at a number of factors relating to how well the company is run from a management perspective. Here are three items that help decide how well the company operates.

Screening, Training, and Supervision

Insurance companies look to the business practice of a company in their requirements for education, training, and supervision of employees. This varies across states and the industry as a whole. The 2018 28-member ASIS standards and guidelines commission has decided there would only be guidelines suggested within the industry and not a set industry standard for all to achieve. With regard to underwriting, underwriters will still look for the highest required guidelines in the industry and rate the company to those suggested guidelines.

Pay Scale and Benefits Given to Employees

Offering higher pay attracts higher qualified, better trained applicants. This translates to smarter, more qualified employees who perform better. And if the company provides health, life, or pension/profit sharing plans, this makes for a more satisfied and healthier employee who is less likely to act negligently or file frivolous workers comp or employee practices claims.

What is the Education/Background of the Principals

Experience in private security, law enforcement, or military, etc. as well as involvement in security management training through organizations like ASIS International or other business programs are positive impacts on the operations of the company and show underwriters an ability of management to overcome obstacles.

  1. Contract Language

Insurance companies may look at your contracts to see how you are protecting yourself in the event of a claim. Unfortunately, your Clients, the Public, and sometimes even the courts think guard companies are deep pockets to cover losses in the event of personal injury. This is attempted by clients in two ways:

  • Indemnification Agreements
  • Additional Insured language

INDEMNIFICATION AGREEMENTS

In construction or service contracts, a hold-harmless or indemnity agreement will be included in the general contractor’s contract to the subcontractor. In order for your security company to limit claim expense and payments, the clause should not include the liability and mistakes of anyone except your own employees. The larger property managers/owners force many broad form indemnity agreements on the security companies for a deep pocket in the event of any accidents on premises. The good news in California is that an indemnity clause for your client’s sole or willful acts is void by public policy. However, be aware, many will still try to pass it through in their contracts.

Additional Insured LANGUAGE

Closely related to indemnity agreements discussed above, additional insured endorsements are used to increase the obligation of your company to defend and indemnify the owner. This indemnity is usually confirmed to them by a certificate of insurance. Your underwriter will be asked to approve additional insured endorsements for many companies by contract. But as parties requested have less and less relation to the contract, the underwriter will likely question the need for such an endorsement. Any additional insured and indemnity requests need to be scrutinized here to limit the exposure for claims. Like all contracts and RFPs, it is advised to have counsel review these clauses to ensure your client is not trying to shift a disproportionate amount of risk to your company.

 

All factors discussed above are the basics for all underwriting in the security industry. Many might dive deeper into data on location of operations or screening processes. And many might try to look at seemingly unrelated issues. This is all part of the investigative process to ensure the risk is being adequately evaluated for claim potential. This is not an exact science, maybe someday we will have exact predictions of claims, but we are not there yet. It is important to note that security risks are high-severity risks and not high-frequency; e.g. many companies can go decades without one liability claim and then get hit with a monster claim. That is the nature of a security risk; a very unpredictable nature. For now, the underwriting process is a moving target for all carriers, and security companies will be best served by building a trusting, open relationship with a reliable carrier who truly understands their industry.

 

Blair Brownyard has been the VP of Brownyard Programs, Ltd. and has worked exclusively with the security industry for the past 8 years. He has a J.D. from Touro Law in Central Islip, NY. Brownyard Programs, Ltd. has underwritten the security industry for the past 25 years and was purchased by Crum & Forster Insurance in 2015 to join forces with the other oldest name in security insurance, CoverX Specialty. Together, Brownyard Programs and the experienced team rebranded as Crum & Forster Specialty, have a suite of innovative products and services to grow with the security industry into the next generation.

This information contained herein is provided for information purposes only and is not intended to be a representation of coverage that may exist in any particular situation under a policy issued by one of the companies within Crum & Forster. All conditions of coverage, terms, and limitations are defined and provided for in the policy. This information is intended for use as a guideline and is not intended as, nor does it constitute, legal or professional advice. In no event will Crum & Forster or any of its affiliates be liable in any manner to anyone who has access to or uses this information.

Bradley & Gmelich LLP’s Legal Corner

            In this issue, we address a couple of hot topics for Private Patrol Operators (PPOs).  Both come from our firm’s Private Security Business and Licensing Team.  The first is how to lawfully take advantage of the legalization of cannabis in California in providing security services.  The second addresses getting ready for routine audits of records from BSIS (which they affectionately call “inspections.”)  Our goal is to assist you in figuring out the maze of rules, statutes, regulations and case law that can keep you out of trouble and in lawful compliance.  Both are areas that our clients are frequently calling us about, and we want to share some best quick assistance.

Preparing For Your BSIS Audit

by Barry Bradley, Esq.

So, you received a letter from the Bureau of Security and Investigative Services advising that they will be conducting “a routine inspection” of your documents.  It should take no more than two hours (on the average) and the meeting should include the owner(s), executive principals and/or possibly administrative staff “to assess and discuss key aspects of your daily operations” as a PPO.

ALARMS should be going off for you!  There is nothing routine about this.  In every instance where our clients have contacted us, they have been out of compliance.  This, despite their best intentions.  The opportunity to fix your records before you are audited could mean the difference between no citation at all, versus an administrative fine, a cease and desist order, and potential suspension or revocation of your PPO license.  This all becomes very public, too. Make no mistake about it: BSIS is here to regulate, not to collaborate.

Areas Of Concern:

As a PPO licensee, you have obligations that will require you to address various areas:

PPO Records, Vehicles and Uniforms:

  • Are your PPO license and all branch licenses properly displayed.
  • Are your records kept at your principle place of business – as recorded with the Bureau?
  • Are your current badges and patches in conformity with the original BSIS approval?
  • Are your current badges, patches and insignias in compliance with the Private Security Services Act?
  • Are your Certificates of Insurance for both workers compensation and for General Liability in compliance with Business & Professions Code 7582.39 as well as the California Code of Regulations?
  • Do your advertisements display your PPO number? This might include websites, social media, vehicles, business cards and brochures.
  • Is your business structure in compliance with statutes?
  • Do your business records match the Secretary of State records, as well as BSIS records?
  • Are your patrol vehicles in compliance with the Vehicle Code and the B&P Code regarding their light bars and decals?
  • Are your uniforms in compliance with Business & Professions Code section 7582.26?

Employee Records:

  • Do you maintain the name, address, commencing date of employment, position, and date of termination of each employee in compliance with the Code?
  • Do you maintain current guard card and firearm qualification permit information?
  • Personnel Files: do they contain guard card information, training, and required certifications? (This may include pepper spray and baton permits, as well.)
  • Do you have proper credentials for your off-duty Peace Officers, including a letter from their agency?

Weapons:

  • Do you maintain the required log for all weapons used on duty, including firearms and batons?

Training Certificates and Records :

  • Do you have Certificates of Completion for each course or series of courses for each and every security guard?
  • Do your Certificates contain the required language and information?
  • Do you maintain proof of completion for the Powers to Arrest training for all armed
  • Do you maintain proof of completion of the 32 hours of security guard skills training for all guards. (16 in 30 days / 16 in 6 months) and continuing annual training (8 hours)?

RECOMMENDATION: This list is by no means exhaustive.  We recommend a quick legal review well before your audit date.  There will always be blind spots – some significant and some minor.  Our goal, and yours, should be to become compliant (and hopefully before your “routine inspection” by the Bureau).

 

CONTINUE READING THIS EDITION OF THE CALIFORNIAN

Barry A. Bradley is the Managing Partner of Bradley & Gmelich LLP located in Glendale, California, where he heads up the firm’s Private Security Team and oversees the Employment and Business Teams at the firm.  A former Deputy District Attorney, Barry’s practice concentrates on representing business owners in employment, business and licensing issues, as well as defending litigated cases involving negligent security, employment and business related issues.  The firm acts as general counsel for many security companies in California.  Barry is the Legal Advisor to CALSAGA.

He has been conferred an AV-Preeminent Peer Rating by Martindale Hubbell, the highest rating attainable, and has been named a Southern California Super Lawyer for the past 14 consecutive years in the area of Business Litigation.  Barry is also the recipient of CALSAGA’s Security Professional Lifetime Achievement Award. bbradley@bglawyers.com  818-243-5200.

2019 Workers Compensation – The First $250 of Every Claim Is Excluded

Shaun Kelly, Tolman and Wiker

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Employers in California will be receiving some relief on their Workers Compensation Experience Modifications in 2019. The Workers Compensation Insurance Rating Bureau (WCIRB) will be eliminating the first $250 of each claim, before the calculation of an employers’ experience modification in 2019.

The rationale behind the change is as follows:

  •   Increase the reporting of all claims (Including First Aid) to obtain credible information on injury and accident experience.

  •   Eliminate disincentives to reporting claims which will enable insurance carriers to improve their ability to manage claims.

  •   Improve healthcare to employees, by giving employers an incentive to file first aid claims.

  •   The change will benefit the employer by lowering their experience modification, however the effect overall will be modest for employers. So, please do not expect significant reductions.

Here are some “Frequently Asked Questions” that were published on the WCIRB website regarding the change:

How does the $250 loss exclusion work? Under California’s Experience Rating Plan only the amount of each of your claims, up to your primary threshold, is used in the experience modification computation. With the $250 loss exclusion, that amount is reduced by $250. For example, if you have a $10,000 primary threshold and a single claim of $5,000. The amount used in the experience modification computation is $4,750. If you have a single claim of $15,000 the amount used in the experience modification computation is your primary threshold ($10,000) less $250, or $9,750.

Is the first $250 excluded from all claims? Yes, any claim incurred against policies incepting during the experience period for your 2019 experience modification, which include 2015, 2016 and 2017 policies, will be used in the experience modification computation at $250 less than its reporting value.

What if I file a claim that’s valued at $250 or less? A claim with a reporting value of $250 or less will continue to be shown on the experience modification worksheet, but will not be used in any way in the experience modification calculation.

How this will affect each employer individually will depend on how many claims are incurred during the experience period (3 years) used for the experience modification calculation.

The WCIRB will be monitoring the $250 value that is being used and will adjust in subsequent years for inflation.

If you would like more information on how this change will affect you or how the Workers Compensation Experience Rating Plan works, please do not hesitate to call.

 

 

Shaun Kelly joined Tolman & Wiker Insurance Services in 2005.  He specializes in all lines of property and casualty insurance for industries including contract security firms, agriculture, construction, oil and gas. Shaun received a BS in Business Administration with a major in Finance from California State University in Fresno, California. He is an active member of several industry associations, including the Association CALSAGA, the Kern County Builders Exchange and the Independent Insurance Agents of Kern County. Shaun can be reached at 661-616-4700 or skelly@tolmanandwiker.com.