1. In the UK over
£10 million is
paid in the
settlement of
claims every day.
A large proportion of this figure is paid by
retailers. In the current economic climate this
exposure is likely to increase due to a mixture
of valid claims as well as fraudulent claims and
those where the level of injury is exaggerated.

2. Overview of Solutions
The prevalent compensation culture is producing an
increasingly active and sophisticated targeting of the
retail sector and its reputation.
Proactive Risk Management offers a number of solutions
to help you combat this situation:-
– Claims Management
– Complaints Handling
– Risk control

3. Claims Management
In today’s economic climate, bottom line profit is increasingly difficult
to achieve. Accepting that one of the most significant methods of
increasing your profit is by reducing your costs, Proactive Risk
Management can be instrumental in helping you achieve improved
bottom line profit.
Our Claim & Risk Control team can help reduce and contain your
claims losses by:
■ Ensuring claims are paid quickly, efficiently and appropriately
■ Containing a loss, should one occur
■ Preventing or mitigating losses and your exposure to
loss

4. Claims Management (cont)
By ensuring, wherever possible, that areas of exposure are
addressed and corrected prior to any loss occurring, our Claim &
Risk Control team can help you increase return on investment in
your business, people and properties.
In a 12 month period our Claims Management team has
achieved:
■ A reduction in claims costs of £550,000 on behalf of a multi-
site retailer
■ A reduction in claims legal costs of an average of
28% in the same period

5. Complaints Handling
Our complaints handling team has been proven to significantly reduce
the incidence of claims by:
■ Promptly addressing complaints issues that have the potential to
become a claim
■ Resolving them quickly, efficiently and cost-effectively
This reduces the number of claims received and also improves and
maintains customer loyalty – further helping deliver an increase on
your bottom line profit.
In a 12 month period our Complaints Handling team has achieved:
■ A reduction in claims and the costs associated with them of over
£600,000 for a single client by gaining agreement to
cancel claims proceedings
■ A further reduction of over £450,000 in potential
claims costs in the same period

6. Risk Control
Risk control can be described as the art of reducing the exposure to
loss. The benefits to you are:
■ Improved insurance premium costs
■ Reduced operational costs
■ Greater customer retention
■ Improved staff morale
Proactive Risk Management can help you achieve this by close liaison
with your existing Health and Safety Management Team in order to
review your existing Health and Safety management system.
We will provide up to date relevant and company specific advice on
areas where there is an increased or significant exposure
to claims loss.
We can also provide on-going advice on documentation
and operational improvements to further reduce the
exposure to claims loss.

7. Contact
To find out how Proactive Risk Management can help your
organisation achieve similar benefits, please contact:
Gus Nicol
Development Director
01492 543399 or
07960 125668
gus.nicol@proactiveriskmanagement.co.uk