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执法责任:好的、坏的和有希望的.pdf

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1、Law Enforcement Liability PanelistsHeather Burgess Underwriting Manager,National League of Cities Mutual Insurance Company*Chris McKenna,FCAS Vice President-Actuary,National League of Cities Mutual Insurance Company Riley Maloney Associate Director of Research Consulting and Implementation,Benchmark

2、 Analytics*Denotes ModeratorGoals&Learning Objectives Upon completion,participant will be able to explain the current law enforcement liability environment,including capacity constraints,willingness for municipalities to settle outside of court even when facts are in their favor,the increase in nucl

3、ear verdicts,and how reinsurers are currently pricing/underwriting for this exposure.Upon completion,participant will be able to recognize the increasing close collaboration that police departments and data scientists are undertaking to make better data-driven decisions,predict behavior,and reduce d

4、epartment risk.Upon completion,participant will be able to identify the link between specific risk management measures implemented by police departments and more positive societal and insurance outcomes.Public Entity Poll Question 1 Have you ever performed pricing work for law enforcement liability,

5、either for the primary or reinsurance layer?Table of Contents Introduction to Public Entities Current Law Enforcement Liability Environment Early Intervention Research-Based Solution Quantitative Results Q&AThere are approximately 90,000 public entities in the U.S.41%22%18%16%3%Special Districts(Wat

6、er,Parks,etc.)MunicipalitiesTownshipsThere are 14 million local government employees,representing approximately 8%of the U.S.workforce.50%10%16%24%Local Government Employees by CategoryEducationHealthLaw Enforcement Liability EnvironmentLaw Enforcement losses have significantly increased as a share

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本文主要探讨了美国执法部门责任环境及应对策略。当前,执法部门责任损失在再保险公共实体整体责任组合中所占份额显著增加。尽管警察射击事件数量稳定,但无武装受害者比例逐年下降。同时,高额索赔(100万美元以上)频率上升,占超过25万美元索赔案件的比例增加。 应对策略方面,文章提出了一种基于研究的早期干预方案,旨在通过识别需要额外支持的警察,减少风险。该方案通过数据算法和科技,使警察局能够对风险进行早期识别和干预。研究还发现,基于阈值的早期干预系统往往错误地标记了无辜的警察,而First Sign系统通过先进的研究方法,精确地识别了有问题的警察。 此外,文章还提到了公共实体大约有9万个,1400万政府雇员中,教育和卫生部门占比较大,而执法部门责任环境中的损失显著增加。当First Sign系统标记一名警察时,接下来一年内该警察被调查的比例高达85%。这使得机构能够集中精力在风险最高的5%的警察身上,并推荐了进一步降低责任和工人赔偿风险的机构级别的证据 based 实践。
"如何应对公共实体责任风险增加?" "早期干预系统如何帮助警察局减少风险?" "基于研究的早期预警系统在实践中效果如何?"
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