CWA Blog Archive-What Five Years Of Claims Data Can Teach Your Gym About Risk

What Five Years Of Claims Data Can Teach Your Gym About Risk

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Five years of insurance claims data has a lot to teach gym operators about where risk actually lives, and it does not always match where we assume it lives. The value of claims data is that it reflects what really happened across many gyms over time, not what any one operator worries about on a given day. That broader view lets you aim your risk management at the incidents that occur most and cost the most, rather than spreading effort evenly across every imaginable scenario. A useful way to act on the data is the hierarchy of controls, the same framework used across other industries to reduce harm. It runs from the most effective options, designing the hazard out entirely, down through engineering controls, administrative controls like rules and training, and finally personal protective equipment. Falling is the risk climbers know best, and it maps cleanly onto this hierarchy. PPE such as a properly fitted harness and a required belay device is the last layer, already built into roped and auto belay climbing, but it is only one piece. The stronger moves happen higher up the hierarchy, in how you design terrain, set problems, and write and enforce your policies. Reading your claims history tells you which of those layers is failing and where to reinforce. Risk management works best when it is driven by evidence. Let the claims data show you the patterns, then use the hierarchy of controls to decide where your next dollar and hour of effort will do the most good.

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Five years of claims data shows where gym risk actually lives, not where we assume it does. Use it to target the most common and costly incidents, then apply the hierarchy of controls, from designing hazards out down to PPE, to decide where to act.