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Schools must protect themselves against expensive insurance fraud. Here Zurich Municipal offer guidance on how to detect deception Insurance fraud equates to around £16m every week and £840m a year.
Injury claims in the workplace are a prime example of where a fraudulent claim may be made. These arise from an allegation that the organisation was negligent, allowed the situation to become dangerous and led to a foreseeable risk.
A few practical, preventative steps will reduce risk and cut the time, effort and cost of investigations. By implementing a policy of regular inspection, risks will be identified sooner and accidents could be prevented. Ensuring that all inspections are carefully documented means they can be presented as evidence in court if it becomes necessary to defend against charges of negligence. At the very least, you should make every effort to disrupt the activities of the would-be fraudster who thinks that you are a soft touch. Installation of CCTV cameras are an important preventative measure.
Remember, if you do have a claim against you, act quickly. If you delay, valuable evidence will be lost and lawyers will apply pressure. So much more can be achieved if you keep one step ahead of the fraudster. By putting your strategies in place as soon as possible, you can be ready to deal with the claims quicker, more effectively and more efficiently.
Consider taking these steps to help detect fraud:
At Zurich Municipal, we strongly believe in embedding fraud detection within all areas of claims handling, providing staff with the knowledge and tools to ensure that all suspicious activity is properly and thoroughly investigated. Examples of this include:
For more information on this subject or how Zurich Municipal can help with insurance and risk management visit zurichmunicipal.co.uk or email us at firstname.lastname@example.org.
For more information or guidance on any of the issues raised please contact Zurich Municipal at email@example.com or visit zurichmunicipal.co.uk.
You can read more newsworthy articles around other key topics within the education sector at :
• Zurich Muncipal’s News & Views webpage: newsandviews.zurich.co.uk
• Zurich Municipal’s education partner zone on the Guardian website: theguardian.com/teacher-network/partner-zone-zurich