Ventiv Technology

We selected RiskConsole because of data consolidation experience and query and reporting capabilities. In addition to tracking general, auto and employment practices liability claims, we currently bring in daily feeds from our workers' compensation claims providers, along with adjusters' notes. In addition, we have revenue and payroll exposure information that dates back to 1999. Regis now has the philosophy of trying to get to the root cause of our incidents. We believe that to proactively manage our workers' compensation costs, the primary driver is safety. We can be the best at managing claims but if we don't prevent them from happening, we're not going to see the true savings. Therefore, I oversee both workers' compensation claims and safety initiatives. Regis management has embraced the safety directives we've put into place. They're not rocket science to create, but it does take a concerted effort to make it work. We are in the process of rolling out a new safety incentive initiative. It is based on analysis of our top 12 loss drivers in our salons and will be tracked and reported in RiskConsole. We're fortunate as a company because we have a really strong training philosophy – we have a division that focuses solely on education. Using that resource, Brooke Anderson, our safety manager, created a 12- segment DVD based on actual claims that depict our 12 top loss drivers. The safety training DVDs are custom for the salon industry, which makes them so much more relevant for our employees. The DVDs include a re-enactment of the incident and then focus on treatment, missed work and everything else an employee had to endure while treating and recovering from their injury. This leads to a discussion focused on prevention during the salon's safety meeting, then a short quiz. All of the training is recorded in RiskConsole and reported to area and regional level management on a quarterly basis. Regis is also focused on early intervention of potential customer claims. We have an in-house call center that captures customer-related issues. Our goal is to mitigate any potential claims by resolving them with the customer immediately. Our customer service representatives always take the initial call, whether it's from the customer, the stylist or the store manager, or if it comes to us on an incident form. The information is entered into RiskConsole and, based upon criteria in specific fields, an email is sent to the general liability team alerting them of an injury. This team then goes through their protocol by making initial investigations with the hope of resolving the incident before it becomes an issue. Based on different criteria in RiskConsole, the system will also alert our third party claims administrator of the incident if we decide that it's best for them to handle it from that point. Another benefit is that our legal department is using RiskConsole to track all types of legal actions. As a result, we have the entire claims history in one place, from when it's reported all the way to resolution. Having it at our fingertips is a real time-saver, but also an eye-opener. We are also looking at bringing customer data into the process. We can identify the number of customer visits and the type of service performed. Pulling this information into RiskConsole would allow us to benchmark ourselves on the general liability side, by taking total liability costs per service type as a percent of revenue. While Regis has doubled in size over the past five years, we have been able to lower our total loss cost by 40%. We contribute this success to an outstanding group of professionals within the Regis safety and workers' compensation department, selection of a claims administrator that cares about our costs, our operations and management teams focused on safety, and the valuable information we can get from RiskConsole. It gives credibility to our decision- making process. I rely on the data that's in RiskConsole and I haven't been disappointed. We are able to tweak our approach as we go along because we now have the information to know what is happening. We know the trends as they occur and we're able to act on them faster. And if you can back that up with good and relevant data, that's a huge win. n For more information, please contact Jim Haas on +1 414 225 7410 or jim_haas@ars.aon.com "We have the entire claims history in one place." " We know the trends as they occur and we're able to act on them faster." 360º Aon eSolutions | 25

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