During 2022 to date, nearly two mass casualty events occurred each day in the U.S. The devastating loss of 19 children and two teachers at Robb Elementary in Uvalde, Texas in May, punctuate the challenges of student safety in school facilities. While every risk cannot be eliminated, there are positive measures you can take to make your schools a safer environment for pupils and staff.

Among the public health impacts associated with the COVID pandemic, a general increase in stress and mental health issues has emerged in its wake. At your schools; staff, students, and parents have likely been affected by a lack of socialization, economic difficulties, grief, fear, long-term illness, or uncertainty. Many of you are also dealing with staff shortages, which place increased burdens on your available employees, and the resulting stress may sometimes lead to a rise in injuries and illnesses.

Insurers are paying attention to the measures governmental agencies take – or fail to take – in protecting their information technology (IT) systems and stored data. Looking toward the future, you may be facing a July 1 deadline from your liability insurer requiring that you have basic levels of cybersecurity protections in place or risk losing your coverage for cyber related breaches. Implementing procedures for accessing computer resources involving multi-factor authentication (MFA) can make your school’s or public agency’s network as much as 99% less vulnerable to unauthorized intrusion, according to Microsoft.

California’s mandate of COVID vaccination for both students and staff, imposes a responsibility on your district to verify compliance with the requirement. Anyone working on your campus must provide their COVID vaccination status following the California Department of Public Health order issued August 11, 2021:

The crisis of the unhoused is no longer a hidden issue. We have seen an unprecedented proliferation of transient encampments with related trespassing, property damage, illicit and hazardous waste exposures. Law enforcement agencies are reporting increases in both violent and non-violent crimes attributable to the unhoused population.

Winter storms and low temperatures have the potential to create significant damage and financial loss to your facilities. Water and freezing damages are the second most frequently filed insurance claims in the U.S., accounting for an average of $13 billion in losses annually. While the average cost for a water damage claim is about $10,000, in public school buildings individual claims costs soar.

When many of our schools, offices and other places of business closed during the past two years and many employees either worked remotely, were furloughed or unemployed, the dynamics of employer-employee relationships shifted significantly. Millions of workers decided not to return to their pre-pandemic jobs while others struggle with challenges like child care or medical concerns precluding them from working. Employers have encountered great difficulty in filling positions needed to even operate marginally.

In thousands of communities throughout California and widespread areas of the nation, wildfires pose a serious risk to life and property. The danger is especially acute at the wildland urban interface (WUI) – where vegetative fuels and the built environment meet. As large cities and small towns grew, there was a lot of new construction in areas bordering wildlands. Tens of thousands of homes, school buildings, public facilities and businesses have been consumed by wildfire in just the last decade.

We live and work in unique times. The unprecedented circumstances created by the COVID-19 pandemic accompanied by unexpected factors in the employment market suggest employers take a fresh look at employee benefits and compensation data and consider strategic modifications. The role of benefits in total compensation carries considerable weight in attracting and retaining employees. In many cases, employers can offer benefits that employees may not be able to obtain as individuals or at an affordable cost.

In the twenty years since the September 11 attacks on the U.S., the proliferation of surveillance cameras is obvious. Such devices perform 24/7 watch over buildings, public areas and even our homes’ surroundings. When a criminal, accidental or otherwise suspicious incident occurs, law enforcement often seeks the video evidence collected by these numerous cameras to investigate what happened and apprehend those responsible. From a risk management standpoint, surveillance cameras have been useful in solving crimes, substantiating liability, and in deterring nefarious behavior.