Tag Archives: safety

Wearable Tech Raises Privacy Concerns

Workers’ comp insurers are applauding wearable tech initiatives as a potential way to monitor and reduce workplace accidents and injuries. But some observers are asking at what cost to privacy.

AIG recently announced its strategic investment in tech startup Human Condition Safety (HCS). The start-up, a spin-out of Human Condition Labs, develops wearable technology that incorporates artificial intelligence, building information modeling and cloud computing to try to prevent workplace injuries. The company is targeting industries that hold the highest risk for workers, including heavy manufacturing, energy, warehousing and distribution, mining, transportation and construction.

Because state laws require businesses to provide medical coverage, rehabilitation services and lost wages to injured employees through workers’ compensation programs, coverage in this area is one of the insurance industry’s largest product lines. By decreasing employee injuries and deaths through wearables, the industry believes it may be able to lower costs and increase profits for itself and its clients. Employers have many incentives to test these products in their work environments.

But before concussion-detecting sensors in hard hats or fatigue-monitoring wristbands become widespread for workers, the tipping point may be that issue of privacy. Experts in workers’ comp say companies must first investigate employment legalities and may need to negotiate with labor unions.

As a result, insurance defense law firms that defend workers’ comp claims will want to pay close attention to emerging technology trends such as wearable tech and other similar innovations for the following reasons:

  • Any safety initiatives that may reduce the number and severity of claims will reduce the number of claims that need to be litigated.
  • There will be privacy implications for both employees and employers. When it comes to granting access to individuals’ behavior and health information, law firms need to familiarize themselves with the type and purpose of data being collected, as well as the protection of that data.
  • Insurance carriers will continue to evaluate how new technologies might eliminate claims and reduce claims costs.

Wearable tech is still in its infancy because employees need to be convinced that the information collected for the safety of the greater good is worth it. Pilot programs underway may take a year or more before they are actually put into practice in workers’ compensation insurance programs, but insurance defense law firms will want to demonstrate an understanding of these technology trends to better serve the needs of insurers and their insureds.

Read more news about the insurance defense market at www.insurancedefensemarketing.com.

Now Come Autonomous Trucks

In 2012, nearly 40,000 people were killed on U.S. roads, and 90% of those fatalities were caused by driver error.

Imagine an advanced autonomous system that could avoid those deadly motor vehicle accidents. Even a system that works only on the highway — where the technology has already been developed and where trucks spend the majority of their time — can make a significant difference.

A new report has analyzed the impact of driverless cars on the incidence of fatal traffic accidents and concluded that, by removing human emotions and errors from the equation, we could reduce deaths on the road by 90%. That’s almost 300,000 lives saved each decade in the U.S., and a saving of $190 billion each year in healthcare costs associated with accidents. If you expand this to global figures, driverless cars are set to save 10 million lives per decade.

There are now some trucks on the road that begin to fulfill that promise. Daimler Trucks North America’s “Inspiration” freightliner semi-truck this year became the first legally operated autonomous commercial vehicle operating on U.S. highways.

For now, the Inspiration is basically a limited take on the autonomous truck. The driverless system engages when the truck is on the highway and ramps up speed. It then maintains a safe distance from other vehicles and stays in its own lane.

If the autonomous truck encounters a circumstance it can’t handle (e.g., heavy snow or washed-out lane lines) it will alert the human driver that it’s time for him to take over. But what this technology can do is reduce traffic accidents, and that’s why I’m pretty excited about the whole thing.

A human driver has limited situational awareness. Autonomous trucks offer an extra set of eyes that continuously monitor a broad range of sensors (e.g., visible and infrared light and acoustic, including ultrasound), both passive and active, with a nearly 360-degree field of view.

Therefore, driverless vehicles can more quickly determine a safe reaction to potential hazards and initiate reactions faster than a human driver. For example, traffic collisions caused by human driver errors such as tailgatingrubbernecking and other forms of distracted or aggressive driving would be eliminated.

Safer and more efficient driving is the motivating force behind this emerging technology. It’s not about catching 40 winks on the highway or watching an episode of your favorite show. As cool as that might be to imagine, no one is replacing the human as the ultimate decision-maker.

A Manager’s Response to Workplace Suicide

There are more than 41,000 suicide deaths per year in the U.S; the majority occur among people of working age. This number alone can dramatically affect the workplace. Add to this number that there are about six people affected, many being coworkers, for every suicide death, and the potential impact to the workplace quickly becomes evident.

Even workplaces with the most comprehensive suicide prevention policies and programs are not immune from a suicide that occurs at work or off-site. Because of the high likelihood that at some point a workplace will experience an employee suicide (or a suicide by a client, vendor or employee family member), it is critical that managers know how to respond and facilitate appropriate “postvention” services designed to help employees and the organization recover and return to normal. Postvention services include psychological first aid, crisis intervention and other support services that managers can facilitate for employees following a workplace suicide or suicide attempt.

In 2013, the Workplace Postvention Task Force of the American Association of Suicidology and the Workplace Task Force of the National Action Alliance for Suicide Prevention, in partnership with the Carson J Spencer Foundation and Crisis Care Network, wrote, “A Manager’s Guide to Suicide in the Workplace: 10 Action Steps for Dealing with the Aftermath of a Suicide.” The guide has been evaluated by managers in diverse work organizations, including by leaders in human resources, management, safety, occupational health and wellness and employee assistance programs. The overwhelming feedback about the guide was that it is useful; workplace leaders who reviewed the guide but have not yet experienced a workplace suicide plan to keep the guide as a resource.

As the title of the guide implies, it provides managers with 10 specific actions they can take following a workplace suicide. The actions are divided into phases to help the manager work through the acute phase, recovery phase and reconstructing phase. Additional useful tools for managers include how to draft notification memos and prepare external announcements to disseminate to the broader workplace and the media. Some of the most useful tools in the guide include checklists for how to implement each action, descriptions of how to identify roles for managers during the response, instructions for following crisis decision-making flowcharts and templates for drafting crisis communication messages. The overwhelming majority of users said they would recommend this resource to other managers.

This blog is designed to encourage you to look at the guide and consider using it as a resource, should the need arise in your workplace. We also welcome your feedback on suggestions to make the guide more useful to all workplace leaders. Feedback can be sent to the senior program director at the Carson J Spencer Foundation, jess@carsonjspencer.org. With so many working-aged adults dying by suicide each year, managers need to be prepared to deal with such a crisis. This guide provides concrete steps managers can follow after a suicide to psychologically support their workforce and provide leadership to the work organization as they work to return quickly to normal operations.

Is Civility Killing Risk Management? (Part 2)

The first part of this series declared that HR managers now control the basic tenor of how safety management is executed in most organizations. As veteran safety professional Mark Kennedy says, “There is now no difference between safety and human resource management. I consider them one.”

As a result, safety has adopted a kinder, gentler disposition as it emphasizes employee relationships and teamwork. A worker’s safety performance is now judged in large part by a new compulsory social norm — civility.

Safety has become a social change movement that should worry insurers.

Experts say safety has suffered as a result of its increased focus on relational sensitivity. Workers with naturally grumpier temperaments — a majority of workers performing safety-sensitive jobs — feel unfairly targeted for change, or worse.

Is this concern justified, or are these workers simply part of a long-time dispositional safety problem that is only now being rectified through HR-led safety departments?

Following a dangerous path

A look at how this change is being felt by one company’s workers provides insight.

For the past three years, one large company has invested heavily in an employee safety awareness campaign designed by an HR consultant. The campaign includes training classes in which employees are equipped with relational skills to improve the company’s safety climate. Topics are standard training fare — teamwork, leadership, communication, supervising — aided by insight gained from a behavior assessment tool.

Initial results indicated that the company reaped an improvement in both safety attitude and incident rates. Thereafter, rates plateaued. Employees now quietly question the campaign’s viability.

Upon review of the campaign by independent sources, it was noted that training instructors were telling participants that they must avoid using what could be perceived as critical or confrontational behavior toward others, even if used to keep them from imminent injury.

A typical reaction came from one worker, who looked on incredulously when he was told that he could not raise his voice to stop a coworker from potentially injuring himself. Yelling to prevent injury would be as harmful as allowing the coworker to risk injury. Civility must prevail.

In another training class, students expressed shock at the audacity of someone who bluntly told a coworker to “get your hand back inside the elevator door” as it closed. (The coworker was holding the door open for a late-arriving colleague, a violation of safety policy.) Shame, shame, the class repeated in Gomer Pyle-like unison. Shame on the worker for acting rudely.

If these instances were isolated cases, there would be no cause for concern. But other companies mirror a similar trend.

Reaching beyond good intentions

Such a foray into forced sensitivity was never intended.

Two decades ago, pressure from safety regulators and large insurance brokers caused many companies to improve the safety-critical “people skills” of their labor force. Of greatest concern were interpersonal communication skills most often cited as being involved in incidents.

The consensus among company managers was that specialized employee development personnel with HR-like perspective were needed to better facilitate the training effort. Existing safety instructors wouldn’t do.

Some companies turned over the keys entirely to their HR departments.

Symbolic of this was a 1994 meeting in the boardroom of a large maritime company whose vessel personnel lacked the necessary interpersonal skills to safely manage crewmen and conduct operations. Determining a path to improvement was the sole item on the agenda.

The meeting was held under the watchful eye of the company’s risk management consultant. Present were the company’s executive vice president, its HR manager, a client-representative, a regulatory authority and a training contractor. No company safety representative was invited.

The company approved an extensive safety-training program for vessel officers that day. Its focus was simple: Improve communication skills. More than 1,200 of the company’s vessel officers eventually participated. Other companies used the same blueprint to train 2,300 of their officers.

Maritime executive Larry Rigdon says that the training contributed significantly to “a positive change in employee attitude toward themselves, the company and the industry.”

With the widespread success of training initiatives like this, safety discovered its softer side, and HR was given a change agent that it could use for broader purposes than risk control.

Large insurance brokers quickly fell into formation, strongly suggesting — sometimes demanding — that their customers recast their safety programs in the civility-first mold. But brokers did not envision the long-term effects of their endorsement.

Looking back, the risk manager present at the maritime company’s 1994 meeting (who wishes to be anonymous) states that early training efforts were focused on developing leaders who would “manage the loss-reduction process.” Relational skill-development was undertaken for a specific purpose, so that employees could better convey “where they are going and whether or not they have reached their objectives . . .to reinforce tactics and targets.”

The soft side of safety was created to enable workers to achieve concrete objectives, not to teach haters to be likers, or convert negative-mood individuals into positive ones or to intimidate those who do not fit a preferred mold.

Correcting course

Only insurers have the muscle to reverse the tide of the paralyzing civility movement within safety. Like two decades ago, they must exert influence with customers who need direction.

Here are a few things that insurers can do to right the balance of the listing safety ship:

— Sit down with the customer and ask the following three questions:

Which department establishes the behavioral standards of how employees should personally relate to each other in fulfillment of the company’s safety mission?

Which department is responsible for training employees in those standards?

Which department holds workers accountable, and how?

Search for duality or overlap (between HR and HSE) that may be confusing to those responsible with accomplishing the safety mission — that’s everyone.

— Poll the customer’s safety representatives confidentially. Ask their opinion about the direction of the company’s safety management program.

Give credence to the opinions of long-time safety professionals who have witnessed the evolution discussed here.

— Review the vision, mission and goals of the customer’s safety program independently and determine how they are accomplished within the customer’s real work climate.

Search for tangible evidence that the core elements of loss prevention are being achieved as a first priority.

Insurers should present their findings, along with recommendations, to the customer.

The long-standing safety goal of zero incidents turned into zero tolerance years ago. Under HR’s influence upon safety, the policy frighteningly approaches intolerance. Now is the time to reverse the trend.

Then again, as a reformed hater, perhaps I am just being too sensitive.

Is Civility Killing Risk Management? (Part 1)

In case you missed it, saving lives and preventing injuries on the job is now the duty of the human resources department. So is the choice of employee management tactics used to achieve safety. Civility is in; grumpiness is out.

Insurers should be concerned, because the shift in responsibility and tactics has grounded the safety ship they worked hard to launch two decades ago.

Safety, the social movement

The takeover by HR was foretold by Samuel Greengard in his bold 1999 Workforce magazine cover story on zero tolerance. “Saving lives. . . requires careful thought and action—usually spearheaded by HR,” he wrote. Not the safety department. HR.

A cursory glance at the organizational charts of mid- to large-size companies confirms the shift. Safety professionals have been dispossessed. Their authority to determine the overall tenor of safety management programs has largely been handed to those who think that relational development between employees is safety’s missing link.

The new core belief guiding safety is simple: Unless safety is accomplished civilly—with first priority given to employee management policy—and produces harmony between workers, it is not done properly.

As a result, it is no longer sufficient for workers to solely focus on accomplishing traditional safety objectives; they must also dedicate precious energy to ensuring tolerable relationships with each other. As Greengard says, “preventing harassment and avoiding discrimination” share the same priority as “saving lives.”

Bottom line? The way workers treat each other in conducting the safety mission has become as important as the mission itself.

Safety has become a social change movement.

Alarm from safety professionals

The change in focus has its detractors. Under the guise of zero-tolerance policies toward what Greengard calls “unacceptable and detrimental behavior,” some wonder if the real purpose of safety is being overlooked. Others express a deep concern that safety has merely become a powerful vehicle through which HR can effect social change.

Safety professionals have long been wary of the potentially detrimental influence on risk management that such an emphasis can bring. They are quick to point out that risk control and incident prevention often involve critical, confrontational and sometimes blunt dialogue on the job site—behavior frowned upon by HR.

Safety professionals’ greatest fear is that there may be a purge of workers whose temperament is vital to risk management but whose behavior is deemed to be uncivil, therefore non-compliant. This includes a large percentage of workers currently employed in safety-sensitive jobs.

One report published in Insurance Thought Leadership indicates that three-quarters of skilled and semi-skilled frontline workers exhibit primary personality traits that may be described as crusty or unfriendly. The traits include: task-focused, emotionally withdrawn, hostile and unsympathetic. Airline pilots, surgeons and most professionals whose job includes continuous risk-based decision-making bear the same characteristics.

Opening the door for intolerance

In research circles closely followed by HR managers, the rhetoric against those inclined to this prickly temperament has increased dramatically.

In one study, researchers classify less personable workers as “negative mood” employees who harm the “positive affective states” of “positive mood” individuals. Experts say gruff and grumpy workers easily negate any good generated by people-oriented positive-thinkers.

That’s tame compared with the harsh term used in a prestigious 2014 university research report on worker dispositional attitude. In this study, the word used to describe workers whose temperament is typically found in high-risk jobs is “hater,” as in the opposite of “liker.”

Haters tend to initially dislike many things and to focus on tasks rather than people. Considered standoffish, they are not as popular as social-butterfly, anything-goes likers. (Social media is not meant for haters. If so, “dislike” would be their favorite button.)

In the wrong hands and for the wrong purposes, “hater” is a derogatory categorization that could be used to isolate, shame or potentially terminate those whose only fault is that they occupy the wrong side of the behavioral spectrum preferred by leaders in the social safety movement.

Part 2 of this series explores what insurers can do to stop the slide down this slippery slope.