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Qualitative Analysis

Learning Objectives

1. Discuss the purposes of qualitative and quantitative analysis and characteristics of each. (p. 4)

2. Explain measurement scales and areas of qualitative analysis. (p. 7)

3. Discuss the assessment of broad loss exposures that may have a financial impact on the organization but may be difficult to quantify. (p. 14)

4. Explain the purpose, characteristics of quality loss data, and the basic ways loss data can be organized for analysis. (p. 17)

5. Discuss risk mapping and how it is used as a key risk management tool. (p. 24)

Skills Application Case

Diamond Creek Resorts International, Inc. (DCRI) DCRI is one of the leading organizations in the hospitality sector. It operates six resort hotels in destination locations, and provides five star lodging, fine dining, championship golf courses, casinos, top-flight entertainment, up-scale shopping, luxury spas, and business meeting facilities in North America. DCRI resort hotels are described as follows:  Diamond Creek Coastside, located on the Pacific coast north

of San Diego. This facility features a golf course, spa, shopping complex, and convention center.

 Diamond Creek Lake Tahoe, located in Nevada near Lake

Tahoe. This facility features a golf course, spa, ski complex, a casino, and entertainment center.

 Diamond Creek Naples, located in Naples, Florida. This

facility features two golf courses, a luxury spa, a meeting center, an up-scale shopping complex, and a variety of water- related activities, including parasailing and scuba/snorkeling cruises.

 Diamond Creek Atlantic City, located in Atlantic City. This

facility features a spa, shopping complex, a casino, entertainment venue, convention center, and operates a fleet of tour buses that includes a Broadway tour as well as sightseeing and gaming tours on the Atlantic coast from Maine to Virginia.

 Diamond Creek French Lick, located in French Lick, Indiana (the hometown of NBA great Larry Bird). This facility features a world-class spa, golf, and convention center, and operates bus tours to nearby historic and scenic sites.

 Diamond Creek Cancún located in Cancún, México. This

facility features golf, a spa, and water-related activities such as parasailing, scuba, snorkeling, deep-sea fishing, and tours into the jungle to visit the Mayan ruins at Tikal, Chichen Itza, and other notable sites.

All sites have luxury hotels with a wide array of food service, ranging from snack shops to buffets to upscale fine dining. DCRI maintains its corporate office in Denver, where the corporate jet is kept at the Denver International Airport. It has a fully staffed risk management department headed by Mary Donner, CRM, CIC. She is ably assisted by two risk analysts, a safety professional, and a claims administrator. Mary reports to Sarah Parker, the DCRI Chief Financial Officer. Sarah and Mary, as the CFO and risk manager, know much more about DCRI and its operations than do Rachel and Ralph, the account executive and CSR of Invino Veritas Insurance Brokers, even though Rachel and Ralph have handled the DCRI account for five years. They placed the property and liability insurance coverage with AGEM Insurance Company five years ago, when Rachel’s brother, Frank, was the lead underwriter. Frank left AGEM last year and was replaced by Kim.

Learning Objective #1: Discuss the purposes of qualitative and quantitative analysis and characteristics of each.

I. Qualitative Analysis

A. Purposes

1. The “what” analysis

2. Identification and evaluation of loss exposures that cannot be easily measured by traditional statistical or financial methods

3. Attempts to assign relative values to determine implications and scope of effects risks have on an organization; does not try to assign hard financial values to assets, expected losses and cost of controls

4. Helps management understand the potential impact of the organization’s ultimate risks on performance

B. Characteristics

1. Conducted using questionnaires, surveys, task forces, workshops and collaboration with a variety of internal and external knowledgeable groups related to an organization

2. Frequently addresses the following questions:

a. Should we do this?

b. What is the impact on the organization’s reputation or morale?

II. Quantitative Analysis

A. Purposes

1. The “how much” analysis

2. Attempts to accurately measure risks by using acceptable traditional methodologies to calculate relative numerical values

B. Characteristics

1. Conducted by using analysis of losses, exposures, costs, benefits and financial statements

2. Frequently addresses the following questions:

1) Can we do this?

2) What is the financial impact of this?

III. Reasons to use both Qualitative and Quantitative Analyses

A. Valid answers are needed, e.g., predicted losses, value of claims

B. Costs and benefits are primary factors of decision making

C. Non-monetary factors are part of the decision-making process, e.g., reputation, morale and citizenship

Risk Analysis

Exposure Analysis

Statistical Analysis

Qualitative

Quantitative

Financial Analysis

Evaluation/ Ranking

Risk Analysis Decision

Management Appetite

Learning Objective #2: Explain measurement scales and areas of qualitative analysis.

II. Measurement Scales of Qualitative Risk Exposures

A. Identification methods should be used to analyze those qualitative risks that could have a potentially harmful impact on the organization, although they are not subject to financial measurements

B. Measurement scales depict relative values that are not easily quantified

1. Critical risks – assigned to a level to capture their critical nature to the organization, e.g., losses that could bankrupt the organization, threaten survival or stop operations

2. Important risks – could result in losses that would require the organization to borrow external funds to continue operations

3. Less important risks – could result in losses with a low financial impact that would not harm operations or could be paid from existing cash flows

C. Severity level measurement scales

1. High severity

2. Moderate severity

3. Low severity

D. Probability or frequency level measurement scales

1. High likelihood of occurrence 2. Moderate likelihood of occurrence 3. Low likelihood of occurrence

Commentary: One organization might use critical/important/less important to depict the critical nature of the risks to the organization. Another organization might use critical/high importance/less importance/trivial to differentiate the critical nature of risks. The severity level or probability level could be a four or five tier scale, perhaps including “extremely severe” or “extremely unlikely.” There is no one absolute measure scale structure.

III. Areas of Qualitative Analysis

A. Management’s appetite for risk

1. Company history

2. Long-term objectives

3. Growth mode or stage in growth cycle

4. Financial stability

5. Market maturity

6. Competition and the need to take risks

7. Public image

8. Appetite for risk vs. financial ability

A. Management’s appetite for risk

B. Innovation, product development, and marketing

C. Contractual

D. Compliance and regulatory requirements

E. Safety (internal and external)

F. Social responsibility and citizenship

G. Internal policies

B. Innovation, product development, and marketing

1. Criticality to the organization

2. Market positioning and market share

3. Competition

4. State-of-the-art product development

5. Business interruption exposure

6. Technology

7. Production capacity

8. Degree of automation/Internet marketing

9. Nature of operations, e.g., inherently hazardous

C. Contractual

1. Enforceability of hold harmless and indemnification agreements under applicable jurisdictions

2. Willingness and financial ability of other party to perform

3. Financial capability and attitude of insurers providing additional insured status and contractual liability

D. Compliance and regulatory requirements

1. Industry subject to heavy regulation

2. Management awareness of regulatory governmental requirements

3. Possible industry and voluntary regulation

4. Penalties, fines, and public image

5. History of enforcement

E. Safety (internal and external)

1. Union concerns related to safety

2. Ergonomic audits

3. Existence of safety programs

4. Level of management support for safety programs

5. Ability to recruit and retain work force

6. Implications on employee productivity

7. Crisis management plan

8. Disaster recovery

9. Security plan

10. Possibility of terrorism

F. Social responsibility and citizenship

1. Industry profile – high or low

2. Management’s concern with reputational risks

3. Effect of negative press

4. Use of outside auditors

G. Internal policies

1. Audit and oversight

a. Internal

b. External

c. Board involvement

2. Employment issues

a. Leasing

b. Contract

c. Seasonal

d. Mobile workforce

e. Employment Practices Liability (EPL)

3. Product guarantees

4. Product recall

5. Ethics policies and procedures

Learning Objective #3: Discuss the assessment of broad loss exposures that may have a financial impact on the organization but may be difficult to quantify.

IV. Financial Assessment

A. Purpose – to identify and evaluate those broad loss exposures that may have a financial impact on the organization and are difficult to quantify

1. Revenue growth

a. Relative to increase in expenses and fixed costs

b. Improvement of market share compared to overall growth in market

c. Compared to competition either in industry or trade area

2. Profitability

a. Criticality

1) Importance of profitability to the organization

2) Organization’s profit margin

3) Nature of organization

4) Stage of growth cycle

5) Shutdown

b. Adequacy of return, e.g., total dollars, earnings per share, profit margins

1) Management’s overall expectations

2) Budget

3) Enough return on its investments to fund other opportunities

c. Industry standard – comparison to the industry and competitors

d. Stockholder expectations

e. Management implications – bonuses, stock options

3. Financial capacity – the organization’s ability to fund projects, activities, etc.

a. Current needs vs. future opportunities

b. Retention vs. transfer options

c. Liquidity and cash flow

d. Long-term debt and cost of capital

1) Credit rating

2) Borrowing costs

3) Outstanding letters of credit

e. Retained earnings

Learning Objective #4: Explain the purpose, characteristics of quality loss data, and the basic ways loss data can be organized for analysis.

V. Loss Data Analysis

A. Purpose – application of various methods of analyzing loss data to identify and understand the potential impact those losses may have on the organization’s risk management program and the total cost of risk

B. Characteristics of quality loss data – without a reliable degree of comfort in each of the following areas, the credibility of loss analyses suffer

1. Completeness

a. Enough loss data (frequency); a rule of thumb is at least 5 years of data, preferably 10+ years and at least 30 data points per year

b. Adequate details about each data record, e.g., date of loss, person causing loss or person injured, cause of loss, type of loss, dollar value of loss

c. Understanding components of paid and reserve amounts, e.g., allocated loss adjustment expenses (ALAE), incurred but not reported (IBNR), defense costs

2. Consistency

a. Same types of data should be provided for each data record, e.g., type, cause, time, claimant name, length of employment

b. Consistent policy year, data record year, or calendar year; a change might mean the data would need to be interpolated to ensure consistency

c. Consistent recording methodology, e.g., from one carrier or TPA to another; a change might mean the data would have to be interpolated to ensure consistency

3. Integrity

a. Data should be current

b. Data should be checked for accuracy related to the type of information and reserves from its sources, e.g., insurance carrier, TPA, or in-house claims management

4. Relevancy Date should be current

a. Data that yields information on matters about which the organization is concerned

b. Discontinued or divested operations – the terms of the divestiture or nature of the discontinued operations determine the existing or future liabilities that should be included in the data; normally, data from operations that are no longer a part of the organization, whether through divestiture, discontinued operations, or transferring exposure to third parties, e.g., leased employees

c. Acquired operations – loss data from an acquired operation should not be included if the organization is only acquiring a portion or particular operation of the other company; for example, if the organization acquires the restaurant operation of a diverse company, it is not necessary to include the loss data related to the meat processing operation because it is not relevant to the continuation of operations

d. Commingling of data – data from diverse operations (as in above example of restaurants and meat processing plants) should not be commingled; the data from one operation is not relevant to the other because the frequency, severity, types, and causes of loss will not be consistent

e. Data not relevant to the loss – extraneous data should not be included even if it is consistent, accurate, and timely

C. Organizing loss data

1. Four classifications of types of losses

a. Property

1) Real property vs. personal property

2) Location of property

3) Perils causing loss

a) Human perils, e.g., arson, pollution

b) Economic perils, e.g., strikes, obsolescence, inflation

c) Natural perils, e.g., hail, earthquake, hurricanes

4) Large loss report

b. Human resources

1) Employee injuries

a) Length of employment when injured

b) Accident repeaters

c) Cause of injury

d) Type of injury

e) Body part injured

f) Evaluation of time intervals

g) Location of accident (whether company location or another location, etc.)

h) Any other appropriate, relevant or meaningful categorization

2) Termination

3) Retirement

c. Liability

1) Litigation report

2) Large loss report

d. Net income

1) Net income losses – decrease of net income or increase of expenses

2) No loss reports/information for net income losses

D. Frequency and severity

1. Pareto Principle – 80/20 rule – 20% of the causes will result in approximately 80% of the problems

2. Number and cost of losses

a. In each severity range

b. At each location

c. By line of coverage

d. By type of loss

e. By type of injury

f. By length of employee’s service

g. Other demographic data

Learning Objective #5: Discuss risk mapping and how it is used as a key risk management tool.

VI. Risk Mapping

A. Risk mapping – a visual analytical tool from which all risks of an organization can be identified and the potential impact can be understood

B. Risk maps are useful in the following ways:

1. Serve as a powerful representation of an organization’s vulnerability to unforeseen loss exposures and may be simple or complex

2. Used to convey important risk information in concert with the risk manager’s recommendations to senior management

3. Support certain risk control decisions

4. Assist with risk financing decisions

5. Model the effects of potential exposure scenarios that might develop in the future

6. Track risk reduction results

7. Monitor changes in exposures over time

C. A simple risk map consists of a graph divided into four quadrants, each reflecting a different blending of frequency and severity characteristics for each risk

A Simple Risk Map

The arrows, in the above exhibit, represent the desired movement of the risk exposures – from right to left. Risks that can be placed in quadrant four tend toward low frequency and low severity. Each quadrant relates to costs – the further up and to the right, the more costly the risk. Ideally, organizations take precautions to avoid or transfer the effects of risks that represent extreme frequency and severity. Risks that inhabit Quadrant One can be considerably dangerous. Low frequency means that actuarial predictability is extremely low or nonexistent, yet the severity of potential losses is high.

High

Low

High Frequency Low

Foreign Currency Fluctuations

Public Liability

Credit Risk

Workers Compensation

Earthquake

One Two

Three Four Severity

VII. Summary

A. Non-quantifiable risks are subject to identification and analysis

B. Qualitative risks that are not analyzed can cause significant losses

C. Qualitative risk analysis requires a different type of thought process from that of quantitative risk analysis

D. Qualitative risk analysis techniques should be used in conjunction with quantitative risk analysis techniques

Skills Application Scenario #1

Mary is helping Sarah prepare for a meeting with senior management related to the importance of the risk management department and how it supports the overall financial and operational goals of DCRI. In the past, several of the general managers of the locations have been less than supportive of Mary’s risk management program initiatives, and Sarah wants to reestablish the organizational buy-in at the senior management level for risk management. Mary suggested they could illustrate how risk management supports the organization by using a risk map. Sarah was not familiar with the concept, and she asked Mary to prepare the map and explain it to her using risk management issues that would be important and relevant to most of the general managers. Mary suggested depicting earthquake, the risks inherent in extending credit to their high-stakes gamblers who frequent the casinos, foreign currency fluctuations, general liability, and theft of guest room towels and bathrobes by guests. Please mark these exposures on the below map.

High

Low

High Frequency Low

One Two

Four Three Severity

Skills Application Scenario #2 DCRI purchased and opened the Atlantic City facility in X1 from an organization that had been operating a hotel and casino for a number of years. It made several additions in the first year of business such as the spa and shopping complex. The staff of the Atlantic City facility is comprised of employees of DCRI except the security personnel in the cash counting room and the casino floor security. Security is provided by Dogberry Watchman Services, an independent contractor providing security services to a number of Atlantic City gaming operations. Mary has learned of a serious workers compensation injury occurring to a casino worker in the Atlantic City facility. In her preliminary investigation, she learned the employee, a slot attendant working the high stakes area, was attacked by an inebriated patron who had lost a sizable amount of money on a $25 dollar slot machine. Curious as to whether or not this type of loss was common, she requested a detailed report of all losses for the past five years. The following table represents a summary of the last five years of financial and employee injury loss information valued as of 12/31/X5.

01/01 - 12/31

Total # Claims

For Record Only

Claims

Total Incurred Claims

Revenues # Emp Payroll

X1 156 47 $125,986 $27,400,000 494 12,350,000

X2 115 38 $469,091 $30,700,000 535 13,910,000

X3 148 33 $386,550 $32,600,000 543 15,204,000

X4 192 88 $291,555 $34,100,000 552 17,112,000

X5 138 45 $357,171 $35,800,000 565 18,080,000

The increase in loss experience in X2 prompted Mary’s predecessor to hire a safety consultant to develop a safety and loss control program. After this program was established, losses declined until X5 even though the number of employees and payroll increased. However, this trend ended with the injury to the slot machine attendant resulting in an incurred loss of $172,000. Mary considered the nature of the exposures for DCRI Atlantic City. The exposures included employee injuries, property damage and liabilities associated with automobiles, slips and falls by third parties while on the premises, criminal acts against patrons and employees, and professional liability associated with casino and hotel security staff providing EMT care to patrons and visitors.

Mary drafted a memorandum report for her future use and to share with Sarah, the CFO, addressing the following issues:

Qualitative and Financial Analysis Questions

1. What potential exposures does the use of independent contractors present to DCRI?

What potential exposures might be avoided by the use of independent contractors?

2. Is there a correlation between the annual trend in total # of employee injury claims and revenue?

Is there a correlation between the annual trend in total # of employee injury claims and number of employees?

Is there a correlation between the annual trend in total # of employee injury claims and payroll?

Which is the better predictor of the number of employee injury claims? Why?

Is there any exposure basis that might be a better predictor? Why?

3. Is there a correlation between the annual trend in total dollars of incurred claims and revenues?

Is there a correlation between the annual trend in total dollars of incurred claims and number of employees?

Is there a correlation between the annual trend in total dollars of incurred claims and payroll?

Which is the better predictor of total dollars of incurred claims? Why?

Is there any exposure basis that might be a better predictor? Why?

4. Indexes of information

a. Five year revenue growth % = 131%

b. Five year employee growth % = 114%

c. Five year payroll growth % = 146%

d. Five year total # claims growth = 88%

e. Five year total incurred $ growth = 285%

f. Change in revenues per employee = 14%

g. Change in payroll per employee = 28%

h. Change in payroll as a % of revenues – 12%

i. Change in # losses per employee = (23%)

j. Change in average $ of incurred loss per claim = 220%

k. Change in average $ of incurred loss per employee = 148%

5. Is the DCRI loss experience improving or getting worse? Explain.

Which of the above ratios support your conclusion?

Which are the best indicators of loss experience trends?

6. Is DCRI becoming more or less productive?

Why or why not?

Which of the above ratios are the better indicators of productivity?

Qualitative Analysis Sheet

Major Exposure Areas

Identify Exposures

Rating Treatment of

Exposures Specifics of Treatment Frequency

Severity (Impact)

Review of Learning Objectives

1. Discuss the purposes of qualitative and quantitative analysis and characteristics of each. (p. 4)

2. Explain measurement scales and areas of qualitative analysis. (p. 7)

3. Discuss the assessment of broad loss exposures that may have a financial impact on the organization but may be difficult to quantify. (p. 14)

4. Explain the purpose, characteristics of quality loss data, and the basic ways loss data can be organized for analysis. (p. 17)

5. Discuss risk mapping and how it is used as a key risk management tool. (p. 24)

Notes

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Certified Risk Managers International a proud member of The National Alliance for Insurance Education & Research

www.TheNationalAlliance.com

Qualitative Analysis Loss Data

© 2010. The National Alliance for Insurance Education & Research. All Rights Reserved. This outline or any part thereof may not be reproduced in any form or by any means or stored in any information retrieval system without the express written consent of the author.

This publication includes copyrighted material of Insurance Services Office, Inc. with its permission.

**CardStock**

Certified Risk Managers International a proud member of The National Alliance for Insurance Education & Research

www.TheNationalAlliance.com

Qualitative Analysis Appendix

This publication includes copyrighted material of Insurance Services Office, Inc. with its permission.

**CardStock**

Certified Risk Managers International a proud member of The National Alliance for Insurance Education & Research

www.TheNationalAlliance.com

Qualitative Analysis Loss Data

Diamond Creek Resort International (DCRI) Loss Run Chronological

Date Employee

Name Type

Length of Emp.

(Months)

Cause of Injury

Type of Injury

Body Part Injured

Paid Reserve Total

01/01/X1 Cohn, Deborah MO 6 Bitten by dog Puncture Lower leg 378 0 378 01/08/X1 Disla, Xiomara MO 20 Fell Off Bike Contusion Mult body 0 0 0 01/08/X1 Kane, Dean MO 58 Hit by object 130 130 01/09/X1 Morales, Rosanne MO 33 Turned/Wrenched Knee Strain Knee 2,004 0 2,004 01/11/X1 Lunas, Frances MO 97 Hit by object 48 48 01/12/X1 Walker, Cynthia MO 27 Hit by bottom of door Laceration Toe 60 60 01/13/X1 Beals, Marta MO 13 Bitten by ants Inflamation Hand 0 0 01/18/X1 Benton, Katherine MO 1 Unknown Contagious Disease Int organs 0 400 400 01/19/X1 Delburn, John MO 3 Punctured by fish hook Laceration Finger 286 286 01/25/X1 Benoit, Louise MO 2 Lifting guest from floor Strain Back 0 0 01/27/X1 Crightower, Mark MO 4 Pushed by customer Contusion Arm 0 0 01/27/X1 Writz, Julia MO 6 Slip/fall Contusion Head 83 83 01/29/X1 Dumes, Holly MO 25 Hit by customer Contusion Face 48 48 02/02/X1 Roeder, Vicki MO 8 Hit by customer Contusion 48 48 02/02/X1 Gonzalez, Leslie MO 8 Tripped getting out of tour bus Contusion Face 46 0 46 02/02/X1 Mack, Pamela MO 36 Fell while skiiing Strain Finger 404 0 404 02/03/X1 Herrera, Raymond MO 2 Hit by customer Contusion Nose 156 156 02/05/X1 Porter, Sherry MO 8 Hit by customer Bruise/laceration Face 143 143 02/16/X1 Vazquez, Jose MO 1 Pushed by customer Contusion Elbow 0 0 02/16/X1 Shropshire, Vincent MO 18 Injesting prepared food from kitchen Pain Stomach 0 0 02/16/X1 Kirkpatrick, Billy MO 1 Restraining intoxicated guest Strain Back 64 64 02/16/X1 Hebert, Michael MO 6 Slip/fall Contusion Knee 281 281 02/17/X1 Stein, Elmer MO 5 Restraining intoxicated guest 445 445 02/17/X1 Fitts, Kenneth MO 102 Seizure Laceration Head 150 150 02/21/X1 Thompson, Janet MO 6 Make Photo Copies/Reach/Struck Head Contusion Face 77 0 77 02/23/X1 Corville, Lynda MO 1 Shoved by customer Contusion Hand 265 265 02/23/X1 Wiblin, Enid MO 9 Tripped fell over scuba equipment Strain Foot 98 0 98 03/06/X1 Kelley, William MO 4 Pushed by customer Contusion Arm 0 0 03/06/X1 Cilles, Sharon MO 1 Fell Going Up Stair Strain Mult body 733 0 733 03/06/X1 Henry, Laura LT 55 Hit Rt Knee On Chair/Fell To Floor Strain Knee 1,183 0 1,183 03/08/X1 Hickson, Sheila MO 3 Cleaning solvent Inflamation Mult body 68 0 68 03/09/X1 Frank, Michele MO 53 Assulted by customer Sprain Thumb 198 0 198 03/11/X1 Bagelowe, Samatha MO 1 Hit by customer Contusion Face 0 0 03/15/X1 Holmes, Catherine MO 1 Slapped by customer Contusion Face 0 0 03/16/X1 Bagelowe, Samatha MO 1 Shoved by customer Contusion Upper arm 0 0 03/16/X1 Alvarez, Susan MO 4 Sorting Bags/Boxes Spider Bit Her Puncture Hand 319 0 319 03/17/X1 Bruce, Ruby MO 6 Hit setting up banquet sign Laceration Face 805 805 03/18/X1 Corder, Steven MO 13 Scratched by fence Scratch Hand 0 0 03/18/X1 Wright, Sally MO 5 Slip/fall Contusion Elbow 0 0 03/25/X1 Dick, Diane MO 25 Hit by customer Contusion Nose 0 0 03/29/X1 Walsh, Jay MO 42 Restraining intoxicated guest Scratch Hands/arms 0 0 03/29/X1 Weidler, Davis MO 7 Restraining intoxicated guest Scratch Hands/arms 0 0 03/29/X1 Pender, Joan MO 3 Sitting In Chair/Pushed Chair Out Strain Back, lower 246 0 246 03/29/X1 Deleanides, Rebecca MO 4 Slip/fall 423 423 03/29/X1 Towns, Mary MO 7 Slipped On Wet Floor Strain Knee 0 0 0 04/01/X1 Frazier, Patty MO 1 Automobile accident Strain Neck 0 0 04/02/X1 McGuire, Tim MO 66 Trimming Trees Inflamation Mult body 92 0 92 04/04/X1 Writz, Julia MO 10 Slip/fall Fracture Coccyx/head 134 134 04/05/X1 Gregson, Lori MO 9 Esposure to weather Heat exhaustion Int organs 0 0 0 04/12/X1 Campbell, Mary MO 8 336 336 04/14/X1 Debroux, Teresa MO 8 Pushed by customer Contusion Arm, upper 63 0 63 04/14/X1 Levey, Darlene MO 8 Disarming Alarm System/Loud Contusion Ear 699 0 699 04/17/X1 Ames, Elise MO 7 Slip/fall on Wet Floor Strain Extremities, lower 247 0 247 04/18/X1 Tate, Mark MO 2 Slip/fall 120 120 04/18/X1 Gonzalo, Margaret MO 11 176 176 04/19/X1 Bennett, Maryanne LT 1 Lifting guest who had fallen Strain Back 3,428 3,428 04/20/X1 Chittum, Steven MO 16 Installing steel cable Laceration Hand 144 144 04/20/X1 Yarborough, James MO 12 Lifting Strain Shoulder 88 88 04/23/X1 Mayfield, Hattie LT 6 Automobile accident Strain Back 5,359 5,359 04/27/X1 Scott, Carolynn MO 182 Stood On Chair/Fell Off Contusion Face 156 0 156 04/28/X1 Fuentes, Carmen MO 14 Slip/fall Contusion Knee/elbow 186 186 04/29/X1 Ewardson, Tasha MO 8 Assulted by customer Laceration Neck 249 0 249 04/29/X1 Miles, Angie MO 69 Lifting Table/Put It Down Strain Mult body 122 0 122 05/01/X1 Smith, Shelly MO 24 Grabbed by customer Contusion Wrist 0 0 05/01/X1 Davis, John MO 6 Hit by customer Contusion Face 0 0 05/03/X1 Williams, Paula MO 93 Tripped Over Tool Box On Floor Contusion Knee 91 0 91 05/05/X1 De Pedro, Dayren LT 4 Carrying Box Of Files Slipped Fell Contusion Mult body 403 0 403 05/05/X1 Cherry, Farah LT 8 Carrying Files To Car Strain Neck 3,030 0 3,030 05/05/X1 Garcia, Rosy MO 94 Hit by object Laceration Finger 0 0 05/09/X1 Meissler, Sharon MO 8 Slip/fall Bruise Knuckles 0 0 05/14/X1 Ferreira, Carlos MO 26 Drill Concrete Bit Jammed Hit Knee Contusion Knee 0 0 0 05/17/X1 Fontenot, John MO 8 Shoved by customer Sprain Thumb 72 72

Diamond Creek Resort International (DCRI) Loss Run Chronological

Date Employee

Name Type

Length of Emp.

(Months)

Cause of Injury

Type of Injury

Body Part Injured

Paid Reserve Total

05/22/X1 Crawford, Debbie MO 10 Automobile accident Contusion Face 297 0 297 05/31/X1 Houston, Jeanine MO 27 Automobile accident Contusion Mult body 387 0 387 05/31/X1 Damore, Patrick MO 4 Skiing Sprain Shoulder/wrist 181 181 06/03/X1 Rutecki, Jenifer MO 23 Hit by fishing rod Contusion Chest 0 0 0 06/04/X1 White, Diane MO 9 Slip/fall On Bathroom Floor Strain Back, lower 891 0 891 06/06/X1 Howard, William MO 6 Lifting guest Strain Back 163 163 06/09/X1 Clarke, Arminda MO 32 Automobile accident/ at fault Contusion Mult body 129 0 129 06/10/X1 Belma, Alicia MO 9 Lighting pilot light Burn Face 91 91 06/12/X1 Martens, Judith MO 31 Automobile accident Contusion Chest 108 0 108 06/20/X1 Weidler, Davis MO 10 Scratched by fence Laceration Arm 0 0 06/22/X1 Boyd, Alva MO 18 Caught hand in drawer Contusion Thumb 0 0 06/22/X1 Kelly, William MO 7 Grabbed by customer Contusion Neck/back 0 0 06/28/X1 Kemp, Deborah MO 10 Carrying Strain Extremities, upper 81 0 81 06/30/X1 Kiley, Marcus MO 66 Sprain Wrist 535 535 07/01/X1 Williams, Albert MO 20 Stepped on nail Puncture Foot 60 60 07/06/X1 Seals, Pamela MO 12 Lifting guest Strain Back 94 94 07/07/X1 Hayes, Larry MO 55 Hit by employee Contusion Eye 60 60 07/11/X1 Dormus, Cheri MO 1 Grabbed parasailing guest prevent fall Strain Mult body 0 4,900 4,900 07/13/X1 Couch, Deborah MO 1 Hit by customer Contusion Arm 0 0 07/15/X1 Brown, Penny MO 16 Pushed Forward In Chair Hit Head Contusion Face 0 0 0 07/23/X1 Frazier, Patty MO 4 Automobile accident Strain/sprain Whole body 0 0 07/26/X1 Gregory, Katherine LT 7 Grabbed parasailing guest Fracture Ankle 7,849 0 7,849 07/27/X1 Bottorff, Karen MO 4 Shoved by customer Contusion Hand 0 0 07/27/X1 Goodman, Ena LT 3 Stepped on uneven ground Contusion Foot 5,402 5,402 08/01/X1 Marcado, Maria MO 2 Exposure to Scabies from guest Contagious Disease Mult body 0 0 0 08/01/X1 Washington, Johnnie MO 2 Hit by customer Bruise Shoulder 171 171 08/02/X1 Fontenot, John MO 11 Slip/fall Strain Back 223 223 08/03/X1 Wallos, Lucrece MO 7 Triming trees Foreign object Eye(s) 62 0 62 08/07/X1 Villa, Nubia MO 123 Carrying Computer/Fell Strain Foot 0 0 0 08/07/X1 Furqan, Delores MO 175 Standing On Chair/Fell Off Contusion Mult body 0 0 0 08/07/X1 Meyers, Jenna LT 4 Tripped Over Step Outside Fracture Mult body 894 40,106 41,000 08/18/X1 Bradley, Lenell MO 6 Exposure to disease from guest Contagious Disease Mult body 0 0 0 08/19/X1 Perez, Guerillo LT 8 Lifting Buckets Full Of Coins Strain Int organs 3,772 0 3,772 08/22/X1 Moore, Alfred MO 125 Hit by golf ball Laceration Cheek 115 115 08/24/X1 Tate, William LT 64 Lifting Bureau For Bedroom Strain Mult trunk 0 6,000 6,000 08/29/X1 German, Elaine MO 3 Exposure to Impetigo from guest Infection Extremities, upper 37 0 37 08/31/X1 Cande, Rosemary MO 6 Slip/fall on food on floor Strain Mult body 0 0 0 09/06/X1 Goodman, Ena MO 5 Hit by golf ball Bruise Leg 0 0 09/17/X1 Allen, Jane MO 4 Automobile accident Contusion Mult body 0 0 0 09/17/X1 Carter, Amanda MO 1 Bitten by ants Swelling/inflamation Entire leg 885 0 885 09/17/X1 Ortega, Raul MO 13 Cleaning/Picked Up Box Strain Mult trunk 0 0 0 09/18/X1 George, Helen MO 51 Hit by falling obj Contusion Foot 414 414 09/18/X1 Collazo, Ruben MO 36 Moving Banquet Chairs Strain Back, lower 555 0 555 09/20/X1 Wigley, Maxwell MO 9 Lifting Strain Back 189 189 09/21/X1 Kirby, Andria MO 3 Restraining unruly child at activity Contusion Face 49 0 49 09/22/X1 Davis, Glenn MO 16 Hit by customer Strain Thumb 166 166 09/26/X1 Benton, Katherine LT 8 Slip/fall on wet grass Contusion Foot 2,424 0 2,424 09/27/X1 Withers, Vivian MO 77 Slip/fall Strain Ankle/back 149 149 10/02/X1 Rodriguez, Richard MO 6 Automobile accident Contusion Mult body 129 0 129 10/07/X1 McClanahan, Lizzie MO 9 Lifting/bending Strain Back 1,994 1,994 10/08/X1 Domenech, Mayda MO 43 Automobile accident Contusion Mult body 0 0 0 10/08/X1 Duncan, Rebecca MO 2 Child Guest kicked Strain Lower leg 71 0 71 10/14/X1 Washborne, Margaret MO 20 Rearended By Semi 3 Times Contusion Mult trunk 1,479 0 1,479 10/15/X1 Shepherd, Kelli MO 22 Automobile accident Laceration Knee 94 0 94 10/15/X1 Wilkins, Julie MO 32 Cut Finger In Sink Drain Laceration Finger 118 0 118 10/16/X1 McCready, Donald MO 1 Lifting Matress Injured Back Strain Back, lower 97 0 97 10/16/X1 Merced, Barb LT 90 Repetitive Sweep/Mopping Strain Wrist 2,385 0 2,385 10/22/X1 Fikes, Otis MO 5 Contact with spa chemical Conjunctivitus Eye 134 134 10/24/X1 Williams, Kate MO 14 Hit by golf ball Contusion Eye 1,365 1,365 10/27/X1 Waters, Racquel MO 3 Automobile accident Strain Neck 163 0 163 10/28/X1 Maust, Randall MO 1 Hit by golf ball Contusion Foot 165 165 10/29/X1 Shelton, Judy MO 1 Fell Off Chair Into Drawer Laceration Wrist 0 0 0 11/01/X1 Bernard, Sebrina MO 2 Skiiing Contagious Disease Int organs 26 0 26 11/02/X1 Auguillard, George MO 1 Lifting Laceration Finger 170 170 11/05/X1 Penn, Gregory MO 40 Hit Head On Desk Contusion Face 0 0 0 11/05/X1 Lester, Dana MO 1 Slip/fall on Wet Floor Contusion Foot 0 0 0 11/08/X1 Bean, Jimmie MO 4 Jumping into boat Mult injuries Mult body 674 674 11/11/X1 Fuentes, Carmen MO 21 Slip/fall Strain Knee/elbow 165 165 11/16/X1 Repp, Nancy MO 6 Asst Lifting Of Copy Machine Strain Wrist 92 0 92 11/23/X1 Comache, Rhonda MO 11 Serving food Burn Arm 334 334 11/24/X1 Carraway, Peggy MO 2 Slip/fall Sprain Ankle/back 742 742 12/02/X1 Francis, Diane MO 2 Hit by customer Contusion Face 132 132

Diamond Creek Resort International (DCRI) Loss Run Chronological

Date Employee

Name Type

Length of Emp.

(Months)

Cause of Injury

Type of Injury

Body Part Injured

Paid Reserve Total

12/06/X1 Grosso, Justine MO 8 Hit by falling equipment Contusion Face 0 0 0 12/06/X1 Legris, Paul MO 22 Student twisted arm Sprain Arm 226 226 12/08/X1 Welch, Yolanda MO 4 Hit by fishing rod Contusion Face 0 0 0 12/08/X1 Rogerson, Chuck LT 18 Opening paint Laceration Finger/tendon 11,909 11,909 12/14/X1 Velez, Karen MO 54 Restraining intoxicated guest Contusion Finger 99 0 99 12/14/X1 Okeefe, Kevin MO 4 Restraining intoxicated guest Strain Chest 180 0 180 12/15/X1 Vazquez, Jose MO 9 Restraining intoxicated guest Contusion Nose 132 132 12/22/X1 Homme, Wayne MO 29 Seizure Laceration Head 289 289 12/23/X1 Grosso, Justine MO 8 Tripped getting out of boat Strain Ankle 122 0 122 12/27/X1 Aguire, Ethan MO 30 Slip/fall Mult injuries Mult body 278 278 12/29/X1 Brown, Vinda MO 35 Exposed to Hepatitus fom fellow worker Contagious Disease Int organs 0 0 0 12/29/X1 Simmons, Carlene MO 47 Exposed to Hepatitus fom fellow worker Contagious Disease Int organs 0 0 0 01/05/X2 Howard, Barbara LT 118 Fell out of vehicle while cleaning Contusion Leg, lower 406 0 406 01/05/X2 Ortiz, Carmen MO 35 Fell Over Metal Part Of Table Strain Mult trunk 286 0 286 01/06/X2 Vazquez, Jose MO 10 Restraining intoxicated guest Contusion Knee/elbow 130 130 01/13/X2 Kourtney, Karoline LT 1 Slipped On Staircase Twisted Foot Strain Foot 2,203 0 2,203 01/14/X2 Mills, Kimberly MO 3 Restraining intoxicated guest Strain Knee 50 0 50 01/17/X2 Steinecke, Deborah MO 102 Hit by employee Bruise Back 205 205 01/19/X2 Rola, Julianne MO 2 Scratched by fence Laceration Hand 104 0 104 01/19/X2 Wallace, Bennett LT 78 Slip/fall Strain Back 63,007 63,007 01/19/X2 Rhyant, Nancy LT 1 Slip/fall on steps Strain Ankle 1,250 0 1,250 02/03/X2 Ortiz, Maria MO 66 Slip/fall on Wet Floor Contusion Knee 0 0 0 02/04/X2 Schendel, Jenny MO 5 Slip/fall Bruise/strain Buttocks/back 198 198 02/14/X2 De, Jan G. MO 3 Hit by ball Contusion Head/back 148 148 02/17/X2 Collins, Herbert MO 43 Pushed by customer Laceration Hand 117 0 117 02/24/X2 Shephard, Deborah MO 109 Slip/fall Strain Back 217 217 03/01/X2 Blount, Susan MO 5 Driver traveling to office supply store Contusion Mult body 701 0 701 03/01/X2 Gonzalez, Leslie MO 21 Lifting boxes Strain Extremities, upper 302 0 302 03/01/X2 Cherry, Natania MO 12 Walking/Foot Twisted/Fell Strain Ankle 192 0 192 03/09/X2 Atwood, Rick MO 4 Restraining intoxicated guest Scratch Face/arm 355 355 03/10/X2 Cande, Rosemary MO 12 Arose From Chair/Fell Strain Mult body 0 0 0 03/11/X2 Paradise, Donna MO 11 Pulling Door/Hand Caught Btwn Frame Laceration Hand 94 0 94 03/12/X2 Wall, Shannon MO 63 Rearended by another vehicle Contusion Mult body 0 0 0 03/16/X2 Stout, Patricia MO 5 Slip/fall Contusion Knees 1,010 1,010 03/16/X2 Withers, Vivian MO 83 Slip/fall Contusion Knee 125 125 03/20/X2 Gunde, Jan MO 2 Scratched triming landscape Scratch Nose 0 0 03/23/X2 Dyal, Deorani MO 111 Lifting Paper Off Floor Strain Knee 0 0 0 03/23/X2 Maze, Carrie MO 3 Spit on by guest Contagious Disease Int organs 247 0 247 03/31/X2 Dawkins, Victor MO 7 Running To Get Phone Ran Into Door Contusion Chest 244 0 244 04/03/X2 Gouvia, Vera MO 79 File Cabinet Fell Tried To Stop It Strain Finger 0 0 0 04/04/X2 Collins, Merline MO 3 Tripped getting out of tour bus Contusion Mult body 0 0 0 04/16/X2 Perez, Jose MO 11 Hit by child Contusion Int organs 0 0 0 04/17/X2 Evans, Cynthia MO 27 Pushed by customer Abrasion Arm 110 110 04/22/X2 Chetwynd, Honey LT 4 Fell on skis Fracture Ankle 2,661 0 2,661 04/28/X2 Boynton, Alicia MO 8 Step Off Front Porch Slipped Sprain Ankle 93 0 93 04/30/X2 Thomas, Harold MO 47 Slip/fall on Wet Leaf In Parkng Lot Laceration Knee 282 0 282 05/04/X2 Gordon, Claudia MO 148 Van Door Closed On Fingers Contusion Finger 0 0 0 05/04/X2 Johnson McLeary, Mary MO 2 Walking To Van/Knees Gave Out/Fell Contusion Extremities, lower 0 0 0 05/05/X2 Homme, Wayne MO 34 Slip/fall Laceration Head 311 311 05/07/X2 Velez, Karen MO 59 Pushed by customer Contusion Thumb 54 0 54 05/08/X2 Rodriguez, Karen MO 4 Cleaning guest rooms Muscle pull Shoulder 37 0 37 05/11/X2 George, Tanja MO 4 Opening Front Door/Slipped/Fell Contusion Mult body 0 0 0 05/13/X2 Johnson McLeary, Mary MO 2 Slip/fall On Wet Floor Contusion Mult body 0 0 0 05/23/X2 Van Sky, Debbie MO 10 Placing pencil to neck Laceration Neck 96 0 96 05/25/X2 Ward, Janet MO 4 Bitten by customer Puncture Hand 107 107 05/25/X2 Smith, Constance MO 17 Carrying Strain Back 0 0 05/27/X2 Fletcher, Dellis MO 11 Carrying Heavy Box Down Stairs Strain Back, lower 462 0 462 05/31/X2 Lujan, Lois MO 25 Folding chair in break room collapsed Strain Back 251 251 05/31/X2 Rodriguez, Richard MO 4 Skiing Contusion Toe(s) 0 0 0 06/01/X2 Brown, Penny LT 27 Slip/fall on Wet Floor Contusion Mult body 1,009 0 1,009 06/05/X2 Bagelowe, Samatha MO 17 Hit by customer Contusion Nose 170 170 06/05/X2 Morrell, Angela MO 12 Walking Down Steps Fell 4 Steps Sprain Ankle 516 0 516 06/08/X2 Penn, Mary MO 18 Hit by golf ball Bruise Eye 105 105 06/09/X2 Malinowski, Stacy MO 25 Walking Across Hall/Trip Strain Back, lower 138 0 138 06/11/X2 Appeall, Shari MO 5 Bitten by ants Inflamation Hand 0 0 0 06/15/X2 Gunde, Jan MO 5 Hit by customer Contusion Legs/face/hands 0 0 06/16/X2 Carothers, Lydia MO 54 Hit by customer Contusion Foot 116 0 116 06/29/X2 Poyneer, Judy MO 71 Tripped On Carpet /Fell Contusion Mult body 826 0 826 07/03/X2 Laws, Lee MO 89 Rearended by another vehicle Strain Neck 2,418 0 2,418 07/05/X2 Morten, Dorothy MO 7 Automobile accident Strain Neck/back 909 909 07/11/X2 Bryant, Gloria MO 77 Getting Into Van Strain Mult trunk 312 0 312 07/11/X2 Baptiste, Addie MO 11 Fell while supervising guest children Contusion Mult body 0 0 0

Diamond Creek Resort International (DCRI) Loss Run Chronological

Date Employee

Name Type

Length of Emp.

(Months)

Cause of Injury

Type of Injury

Body Part Injured

Paid Reserve Total

07/13/X2 Thompson, Joy MO 1 Getting Out Of Van Strain Mult body 23 0 23 07/17/X2 Aguilar, Edna MO 9 Lifting Strain Back 620 620 07/17/X2 Kaurman, Harvin MO 4 Slip/fall Sprain Knee 196 196 07/19/X2 Webb, James MO 4 Allergic reaction to chemical fumes Rash Chest/arms 0 0 07/20/X2 Walton, Gwenita MO 1 Grabbing shoplifter Strain Back, upper 0 0 0 07/21/X2 Orange, Felicia MO 2 Hit by customer Strain Thumb 124 124 07/26/X2 Harry, Mary MO 181 Folding chair in break room collapsed Contusion Elbow 110 110 07/27/X2 Stayner, Cheryl MO 22 Cleaning guest rooms Strain Wrist 0 0 0 08/01/X2 Morrisy, George LT 1 Slip/fall Fracture Hip 43,175 43,175 08/02/X2 Haughton, Tina MO 3 Exposure to Scabies from guest Contagious Disease Mult body 0 0 0 08/02/X2 Powell, Ella MO 2 Exposure to Scabies from guest Contagious Disease Mult body 0 0 0 08/02/X2 Davies, Pamela MO 4 Slip/fall Bruise Knee 121 121 08/05/X2 Shearon, Wallace MO 27 Grabbed by customer Strain Mult trunk 40 0 40 08/08/X2 Edelstein, Sharon MO 7 Bending Strain Knee 0 400 400 08/08/X2 Chatman, Lisa MO 43 Cleaning guest rooms Muscle pull Arm 43 0 43 08/18/X2 Hunt, Lisa MO 7 Exposure to disease from guest Contagious Disease Mult body 0 0 0 08/18/X2 Jackson, Wanda MO 1 Expousre to disease from guest Contagious Disease Mult body 24 0 24 08/18/X2 Redding, Katrina MO 7 Exposure to disease from guest Contagious Disease Mult body 0 0 0 08/18/X2 Smith, Cheryl MO 16 Exposure to disease from guest Contagious Disease Mult body 0 0 0 08/18/X2 Washington, Peggy MO 2 Exposure to disease from guest Contagious Disease Mult body 0 0 0 08/18/X2 Williams, Tammy MO 6 Expousre to disease from guest Contagious Disease Mult body 0 0 0 08/18/X2 Epanchin, Katherine MO 1 Lifting customer into boat Strain Mult trunk 95 0 95 08/26/X2 Fannin, Kathy MO 13 Caught Heel On Step/Slipped/Fell Strain Extremities, lower 0 0 0 08/27/X2 Diaz, Consuela LT 5 Moved Office Furniture/Pulled Shldr Strain Arm, upper 10,840 0 10,840 08/27/X2 Vanderwoude, Carol MO 58 Pulling Dolly Backwards Fell Contusion Sacr Cocc 0 0 0 08/30/X2 Klix, Angela MO 1 Automobile accident Strain Mult Neck 0 0 0 09/03/X2 Ponds, Rose Marie LT 98 Slip/fall On Ramp Fr Freezer Strain Extremities, lower 191,013 0 191,013 09/07/X2 Broussard, Michael MO 2 Lifting guest Strain Back 0 0 09/08/X2 Ortega, Carlina MO 13 Automobile accident Contusion Mult body 0 0 0 09/08/X2 Goodman, Maria MO 1 Loading equipment onto truck Strain Back, lower 93 0 93 09/17/X2 Frank, Michele MO 59 Training/Trainee Threw Her Down Contusion Knee 600 0 600 09/18/X2 Landers, Melandie MO 23 Hit by golf ball Abrasion Face 303 303 09/18/X2 Reading, Angela LT 5 Falling during tour at Tikal Chichen Contusion Back, lower 123,305 0 123,305 09/19/X2 Esposito, Cara MO 9 Stepping out of golf cart Strain Back, lower 1,003 0 1,003 09/22/X2 Welch, Brenda MO 13 Moving Desk/Desk Fell On Hand Contusion Mult body 92 0 92 09/22/X2 Esposito, Cara MO 9 Turned In Chair/Back Twinge Strain Back, upper 0 0 0 09/26/X2 Comache, Rhonda LT 21 Lifting Strain Mult body 1,761 1,761 10/11/X2 Bermudez, Catherine MO 2 Sking Strain Knee 1,030 0 1,030 10/19/X2 Griffis, Rachel MO 1 Exit Frnt Dr/Slip On Slippery Tile Contusion Mult body 0 0 0 10/19/X2 Gordon, Claudia LT 153 Unknown Myocardial Infarction Heart 0 0 0 10/20/X2 Canino, John MO 36 Hit by customer Contusion Face 115 115 10/23/X2 Lampkin, Craig MO 3 Rearended by another vehicle Contusion Mult body 131 0 131 10/29/X2 Walker, Bryant MO 3 Sking Contusion Ankle 163 0 163 10/30/X2 Cugler, Thomas MO 1 Pushed by customer Contusion/inflamation Shoulder 131 131 11/08/X2 Genchi, Veronica LT 44 Automobile accident Contusion Mult body 0 0 0 11/08/X2 Bermudez, Catherine LT 3 Restraining intoxicated guest Sprain Knee 8,305 0 8,305 11/12/X2 Queeley, Mary MO 61 Tryed To Stop Child From Running Puncture Wrist 0 0 0 11/14/X2 Davis, Robert MO 1 Lifting Strain Back 422 422 11/17/X2 Nesbitt, Veronica MO 4 Water Of Flr/Mopping/Fell On R Side Contusion Mult body 0 0 0 11/27/X2 Haslund, Rober MO 36 Hit by golf ball Bruise Foot 125 125 12/04/X2 Martinez, Gonzolo MO 42 Hit by golf ball Contusion Hand 125 125 12/09/X2 Wilson-Witter, Deborah MO 16 Automobile accident Contusion Mult body 148 0 148 12/10/X2 Durden, Phyllis MO 11 Moving furniture to clean carpet Strain Arm, upper 330 0 330 12/16/X2 Pedrosa, Randa LT 6 Rearended by another vehicle Strain Mult trunk 1,294 0 1,294 12/20/X2 Davies, Pamela MO 9 Handling equipment Strain Back 218 218 01/02/X3 Esparaza, Bobbie MO 84 Hit by golf ball Contusion Face/nose 100 100 01/04/X3 Sinyansky, Alex MO 106 Restraining intoxicated guest Puncture Hand 40 40 01/06/X3 Polite, Dorothy MO 41 Cleaning guest rooms Muscle pull Rib area 43 0 43 01/12/X3 Williams, Tammy LT 1 Assulted by armed rober Contusion Back, lower 14,935 29,637 44,572 01/16/X3 Campos, Roxana MO 1 Tripped on extension cord Contusion Knee 0 0 0 01/16/X3 Lopez, Barbara MO 26 Tripped on box Strain Lower back 0 0 0 01/17/X3 Snook, Maria MO 73 Unknown Sprain Knee 168 168 01/20/X3 Pace, William MO 3 Moving Furniture Got Splinter Puncture Finger 216 0 216 01/21/X3 Haynes, Shirley MO 22 Fell Going Dwn Stairs Laceration Face 402 0 402 01/21/X3 Fitzgerald, Cheryl MO 4 Tripped Fell Over Rug In Hallway Contusion Mult body 102 0 102 01/24/X3 Quinn, Terry MO 14 Hit by golf ball Bruise Chest 90 90 02/05/X3 Aniyel, Sylvia MO 2 Restraining intoxicated guest Sprain Arm 81 81 02/06/X3 Steinberg, Sarah MO 3 Contact with cutomer Contusion Arm 0 0 0 02/07/X3 Plesner, Delise MO 77 Unknown Sprain Foot 195 195 02/09/X3 Murphy, Patricia MO 71 Hit by golf ball Contusion Eye 115 115 02/10/X3 Rogers, Laura MO 1 Fell stepping into sand trap Fracture Foot 862 0 862 02/10/X3 Pettway, Cheryl MO 15 Lifting Car Seats/Approx 12 Strain Mult trunk 204 0 204

Diamond Creek Resort International (DCRI) Loss Run Chronological

Date Employee

Name Type

Length of Emp.

(Months)

Cause of Injury

Type of Injury

Body Part Injured

Paid Reserve Total

02/14/X3 Youell, Tracy MO 3 Automobile accident Contusion Foot 203 203 02/14/X3 Cox, Julie MO 9 Rearended by another vehicle Strain Mult Neck 358 0 358 02/14/X3 Washborne, Margaret LT 36 Rearended by another vehicle Strain Mult body 3,570 18,930 22,500 02/15/X3 Hubbard, Juanita MO 24 Folding chair in break room collapsed Contusion Hip/shoulder 276 276 02/16/X3 Herring, Diana MO 4 Caught child Sprain Wrist 297 0 297 03/08/X3 Fabrillo, Maria MO 6 Lifting Strain Back 0 0 03/09/X3 Sanez, Carmen MO 73 Slip/fall Bruise Head 122 122 03/12/X3 Castro, Grace MO 13 Rearended by another vehicle Contusion Mult body 0 0 0 03/20/X3 Caraway, Charles MO 10 Lifting Strain Back 325 325 03/22/X3 Jean, Adeline MO 26 Door Was Opened Jammed Toe/Cut Sho Contusion Toe(s) 172 0 172 03/23/X3 Schreiber, Jon MO 180 Lifting Strain Back 156 156 03/26/X3 Davis, Susan LT 7 Hit by client Contusion Mult body 1,958 0 1,958 03/27/X3 Reed, Deborah MO 75 Putting Out Grease Fire Burn Foot 0 0 0 03/27/X3 Mitchell, Joel MO 1 Putting Out Grease Fire In Kitchen Burn Mult body 71 0 71 04/02/X3 Davis, Ann LT 16 Automobile accident Strain Neck 14,315 11,477 25,792 04/02/X3 Pamphile, Marie MO 16 Walk In Lot/Ft Hit Sidewalk/Fell Contusion Knee 0 0 0 04/04/X3 Raymond, Florence LT 3 Carrying Child/Tripped/Fell Fracture Foot 2,583 0 2,583 04/04/X3 Snowman, Shawn MO 1 Rearended by another vehicle Strain Neck 1,639 0 1,639 04/05/X3 Shearon, Wallace MO 35 Exposure to weather Heat exhaustion Int organs 0 0 0 04/10/X3 Dancer, David MO 241 Slip/fall Fracture Hand 451 451 04/20/X3 Junqueir, Sonnier MO 9 Driving Strain Sacr Cocc 1,448 0 1,448 04/20/X3 Schieber, Kathleen MO 4 Hit by car trunk Contusion Finger 183 183 04/20/X3 Warsham, Robert MO 7 Slip/fall Contusion Mult body 275 275 04/23/X3 Steward, Diane LT 39 Restraining intoxicated guest Strain Arm, upper 3,871 0 3,871 04/23/X3 Davis, Laura MO 1 Slip/fall on Wet Floor Contusion Mult body 226 0 226 04/25/X3 Frank, Michele MO 78 Restraining intoxicated guest Contusion Nose 348 0 348 04/25/X3 King, Elmira MO 3 Slipped On Oil On Floor Strain Back, lower 245 0 245 04/26/X3 Delagdo, Cruz MO 1 Lifting Strain Shoulder 234 234 04/26/X3 Homme, Wayne MO 45 Seizure Laceration Head 245 245 04/26/X3 Cuilla, Margaret MO 2 Slip/fall Sprain Ankle 284 284 05/02/X3 Clark, Rita MO 1 Walked Into Cubical Contusion Eye(s) 487 0 487 05/08/X3 Pitsinos, Carrie MO 3 Exposure to strep throat Contagious Disease Mult body 74 0 74 05/08/X3 Lopez Unger, Janet MO 20 Pushed by guest Contusion Mult body 0 0 0 05/10/X3 Kolcun, Cathy MO 3 Hit by child Strain Extremities, upper 484 0 484 05/11/X3 Schorm, Robert MO 12 Lifting Strain Back 113 113 05/21/X3 Davies, Pamela MO 15 Hit by customer Strain Shoulder 205 205 05/24/X3 Jackson, Jenna MO 5 Restraining intoxicated guest Strain Mult body 1,187 1,813 3,000 05/25/X3 Thompson, Caron MO 10 Handling equipment Strain Mult body 90 90 06/06/X3 Furmaga, Ferris MO 9 Hit by guest Contusion Mult body 0 0 06/06/X3 Hiner, Sonny LT 3 Testing parasailing equpment Fracture Ankle 19,311 19,073 38,385 06/07/X3 Griffith, Jennifer MO 7 Hit my swinging door to kitchen Contusion Chest/arms 0 0 06/19/X3 Midkiff, Sean MO 1 Door Closed/Hit Foot /Fell Strain Wrist 89 0 89 06/22/X3 Brown, Frank MO 9 Lifting mower Strain Back, lower 193 0 193 06/22/X3 Billow, Deb MO 2 Slip/fall Contusion Mult body 284 284 06/22/X3 Mancillas, Elvira MO 96 Slip/fall Strain Shoulder 291 291 06/25/X3 Cox, John MO 5 Hit podium setting up for banquet Contusion Knee 225 225 06/25/X3 Comberbatch, Violeta MO 17 Slip/fall on steps Sprain Extremities, lower 374 0 374 06/26/X3 White, Jamie MO 9 Using knife to cut fish bait Laceration Finger 90 0 90 06/29/X3 George, Tanja MO 17 Slip/fall on steps Contusion Wrist 0 0 0 07/05/X3 Prado, Phyllis MO 9 Hit by falling pan Bruise Head 0 0 07/05/X3 Weedon, Jennifer MO 2 Rearended by another vehicle Contusion Mult body 0 0 0 07/07/X3 Davis, Dana MO 17 Bench Collapsed/Fell Back/Hit Cemnt Contusion Mult body 166 0 166 07/07/X3 McNair Butts, Joyce MO 3 Door Fell Off Hinge Contusion Face 0 0 0 07/11/X3 Raymer, George MO 2 Seizure Abrasion Head 195 195 07/16/X3 Mitchell, Sheila LT 11 Guest dropped bag Contusion Foot 1,103 0 1,103 07/20/X3 Draves, Karen MO 10 Slip/fall Laceration Hand 345 345 07/24/X3 Agurs, Essa MO 6 Automobile accident Fracture Extremities, lower 0 0 0 07/28/X3 Lee, Kimberly MO 1 Slip/fall On Wet Kitchen Floor Contusion Knee 0 0 0 07/29/X3 Tameris, Linda MO 22 Alarm System Went Off Inflamation Ear 0 0 0 07/30/X3 Cross, Mona MO 6 Contact w/ chemical Burn Eye 171 171 07/31/X3 Gonzalez, Dora MO 7 Hit by child Fracture Teeth 3,340 0 3,340 08/01/X3 Samford, Mary MO 122 Slip/fall Contusion Knee 200 200 08/02/X3 Salser, Debra Elle MO 1 Hit by guest Bruise Eye 195 195 08/03/X3 Gonzalez, Dora MO 7 Hit by child Laceration Mouth 0 400 400 08/03/X3 Brito, Debra LT 1 Slip /fall carrying equpment Laceration Knee 6 5,994 6,000 08/03/X3 Desouza, Doris MO 1 Slip/fall on Wet Floor Contusion Hip 0 400 400 08/05/X3 Pender, Joan MO 23 Opening Container/Cut Self Laceration Hand 33 0 33 08/07/X3 Broussard, Connie MO 1 Lifting fellow employee Strain Back 284 284 08/08/X3 Allard, Emile MO 1 Lifting Trash Can Full Of Water Sprain Wrist 103 0 103 08/09/X3 Ardoline, Philip MO 8 Moved Furniture/Cabinets Contusion Knee 3,517 0 3,517 08/09/X3 Wilson, Tarana MO 12 Restraining intoxicated guest Strain Mult trunk 0 0 0 08/16/X3 Daye, John MO 6 Hit by customer Bruise Back 237 237

Diamond Creek Resort International (DCRI) Loss Run Chronological

Date Employee

Name Type

Length of Emp.

(Months)

Cause of Injury

Type of Injury

Body Part Injured

Paid Reserve Total

08/16/X3 Comache, Rhonda MO 30 Slip/fall Contusion Knee/ribs 234 234 08/18/X3 Savarese, James MO 3 Restraining intoxicated guest Sprain Thumb 0 0 0 08/23/X3 Gunter, Deborah MO 4 Slip/fall Fracture Wrist 630 630 08/24/X3 Serock, Kathryn MO 3 Lifting TV/VCR at Home/Work Related Strain Back, lower 107 0 107 08/27/X3 Corbin, Jeannette MO 59 Loading Fence Posts On Truck Strain Wrist 31 0 31 08/29/X3 Jacobs, Tara MO 108 Pulling down by guest while skiing Strain Back 218 218 08/29/X3 Thompson, Caron MO 13 Scratched triming landscape Scratch Neck 0 0 08/31/X3 Wall, Shannon MO 80 Struck head on wall mounted TV Laceration Face 29 0 29 09/02/X3 Middleton, Sherine MO 14 On Chair/Leaned/Fell Off Contusion Foot 0 0 0 09/02/X3 Bailey, Patrick LT 8 Taking Seats Out Of Van Strain Back, lower 1,447 0 1,447 09/02/X3 Alvarez, Susan MO 30 Parasailing training class Strain Knee 166 0 166 09/05/X3 Caponi, Jill MO 2 Running to tour bus Strain Hip 100 0 100 09/07/X3 Olford, Gladys MO 136 Chair collapsed Contusion Back/chin 267 267 09/07/X3 Taylor, Cynthia MO 24 Hit by golf ball Contusion Face 338 338 09/15/X3 Haun, Vivian MO 8 Stopping 2 Children From Fighting Contusion Ear 179 0 179 09/17/X3 Jones, Darlene MO 113 Scraped Contusion Finger 147 147 09/20/X3 Gregory, Dottie MO 5 Grabbed by customer Bruise Arm 0 0 09/21/X3 Gonzalo, Margaret MO 28 Slip/fall Bruise Mult body 216 216 09/28/X3 Fabrillo, Maria MO 12 Shoved by customer Bruise Hand 0 0 09/28/X3 Shields, Gloria MO 21 Slip/fall Bruise Mult body 272 272 10/06/X3 White, Jamie MO 13 Working Outside Heat Prost Int organs 0 0 0 10/07/X3 Blankinship, Bruce MO 1 Restraining intoxicated guest Scratch Body 0 0 10/08/X3 Ennis, Joyce MO 11 Rearended Car In Front Strain Neck 0 0 0 10/12/X3 Glover, Valeria LT 128 Rearended by another vehicle Strain Back, lower 13,045 22,876 35,921 10/13/X3 Shedrick, Vickie MO 40 Automobile accident Contusion Face 328 0 328 10/13/X3 Dominguez, Lazaro MO 37 Lifting Strain Back, lower 0 0 0 10/16/X3 Dominguez, Lazaro LT 37 Unknown Contusion Mult body 643 0 643 10/17/X3 Peeples, Oran MO 17 Lifting Strain Back 234 234 10/19/X3 Henderson, Calvin MO 8 Hit by table Bruise Hand 248 248 10/20/X3 Daley, Brenda MO 12 Scratched triming landscape Scratch Hand 54 54 10/23/X3 Sandersm Stephanie MO 59 Rearended by another vehicle Contusion Mult body 163 0 163 10/24/X3 Levitt, Sandra LT 1 Pushied by shoplifter Strain Mult body 1,218 3,719 4,937 10/24/X3 Lewis, John MO 24 Food service Bruise Mouth 111 111 10/25/X3 Vega, Sarah MO 5 Chopping Scratch Thumb 165 165 10/25/X3 Clark, Tina MO 13 Hit by vehicle Contusion Mult body 85 0 85 11/02/X3 Davis, Louise LT 1 Hit by lawn tractor Mult injuries Back/shoulder 27,412 2,754 30,166 11/05/X3 Monjeau, Arden MO 2 Contact with spa chemical Inflamation/swelling Skin 162 162 11/06/X3 Mackey, Lee MO 10 Slip/fall Laceration Mult body 0 0 11/08/X3 Holt, Janet LT 1 Slip/fall Contusion Knee 1,264 1,264 11/09/X3 King Whitt, Lori MO 30 Bitten by unkown insect(s) Swelling Thigh 299 0 299 11/09/X3 Ramirez, Lizbet LT 2 Drive On I-95n/Rear Ended Strain Mult body 127 0 127 11/13/X3 Egan, Michael MO 7 Punched by customer Bruise Nose 90 90 11/13/X3 Abraham, Dick LT 5 Hit by shoplifter Mult injuries Hand/foot 2,250 2,250 11/18/X3 Crawford, Sandra MO 8 Skiing Laceration Extremities, upper 0 0 0 11/19/X3 Robertson, Vicki LT 4 Lifting Scuba Tanks From Boat Pulled cartledge Back 45,402 45,402 11/24/X3 Owens, Esther MO 25 Swiveled Chair Hit Knee On Drawer Contusion Knee 856 0 856 11/27/X3 Homme, Wayne MO 52 Seizure Contusion Head 300 300 11/29/X3 Martinez, Giner MO 85 Bitten by insect Itching Hip 0 0 12/02/X3 Dabney, Leanne MO 7 Contact w/ chemical Irritation Throat/nose 909 450 1,359 12/02/X3 Westcott, Paul LT 11 Restraining intoxicated guest Strain Arm, upper 0 0 0 12/05/X3 Levitt, Sandra LT 3 Assulted by customer Fracture Jaw 17,415 63,552 80,967 12/07/X3 Billow, Deb MO 7 Lifting equipment Sprain Knee 111 111 12/10/X3 Gregory, Dottie MO 8 Hit by table Mult injuries Leg 215 215 12/15/X3 Katherine, Susan MO 8 Fell Stepping Off Front Porch Strain Ankle 463 0 463 12/15/X3 Innis, Pamela MO 4 Window Came Down Slammed On FingeContusion Finger 377 0 377 12/17/X3 Shedrick, Vickie MO 42 Automobile accident Strain Mult body 2,144 0 2,144 12/18/X3 Virgili, Anabelle MO 19 Company party exposed to disease Contagious Disease Int organs 0 0 0 12/21/X3 Waters, Kelvin MO 2 Skiing Sprain Ankle 97 0 97 12/31/X3 Reynolds, Cynthia MO 25 Slip/fall Bruise Ankle 109 109 01/03/X4 Hartsfield, Gerland MO 17 Knocked down by customer Strain Groin 90 90 01/03/X4 Worsham, Robert MO 16 Slip/fall Bruise Knee 272 272 01/04/X4 Hill, Jon MO 51 Hit by golf ball Contusion Arm 90 90 01/06/X4 Reyes, Deisy MO 34 Cleaning guest rooms Muscle pull Upper arm 43 0 43 01/08/X4 Padilla, Jenny MO 6 Slip/fall Sprain Wrist 754 754 01/10/X4 Ison, Lorraine MO 4 Lifting boxes for banquet Bruise Shoulder 0 0 01/13/X4 Henry, Robert MO 77 Automobile accident Contusion Mult body 0 0 0 01/13/X4 Holstein, Erlene LT 5 Falling out of golf cart Strain Mult body 2,681 0 2,681 01/14/X4 Buck, Rhoda MO 59 Lifting Strain Back 0 0 01/15/X4 Thomas, Sharon MO 7 Hit by customer Mult injuries Mult body 0 0 01/15/X4 Reichenthal, Ellen MO 5 Slip/fall Strain Back 267 267 01/17/X4 Anderson, Judy MO 5 Reaching Scratch Arm 0 0 01/18/X4 Lansford, Steve MO 191 Slip/fall Laceration Head 0 0

Diamond Creek Resort International (DCRI) Loss Run Chronological

Date Employee

Name Type

Length of Emp.

(Months)

Cause of Injury

Type of Injury

Body Part Injured

Paid Reserve Total

01/23/X4 Gabriel, Samuel MO 7 Food preparation Contusion Chest 56 0 56 01/23/X4 Owens, Sandra MO 125 Food preparation Burn Hand 432 432 01/23/X4 King, Nancy MO 4 Hit From Behind Strain Neck 175 0 175 01/24/X4 Beasley, Judy MO 2 Hit by object Bruise Face 0 0 01/24/X4 Hart, Boma MO 9 Slip/fall Contusion Elbow 0 0 01/24/X4 Thompson, Caron MO 18 Slip/fall Strain Wrist 205 205 01/25/X4 Turner, Jennifer MO 5 Hit by customer Strain Arm 789 789 01/28/X4 Guzman, Carmen MO 3 Opening A Drawer/Finger Bent Back Sprain Hand 92 0 92 02/02/X4 Young, Samatha MO 8 Hit by customer Strain Hand 0 0 02/05/X4 Conrad, Joyce MO 25 Lifting Strain Shoulder 200 200 02/07/X4 Lamboy, Wendy MO 4 Fell In Dip In Parking Lot Twisted Strain Ankle 377 0 377 02/07/X4 Legacy, Elenor LT 20 Inserting Tape Into Cassette Strain Back, lower 9,550 23,011 32,561 02/08/X4 Ortiz, Maria MO 78 Skiing Contusion Back, lower 0 0 0 02/11/X4 Russo, John MO 22 Knocked down by customer Sprain Hand 105 105 02/12/X4 Mitchell, Monica MO 29 Contact with unknown substance Itching/inflamation Eyes 0 0 0 02/19/X4 Snyder, Linda MO 5 Lifting Strain Back 109 109 02/20/X4 Hall, Robert MO 78 Rough edge on equipment Scratch Finger 0 0 02/24/X4 Brown, Sandra MO 11 Walk To Bldg/Twist Ankle On Sidewlk Sprain Ankle 159 0 159 02/26/X4 Vasilescu, Tom MO 18 Scratched triming landscape Scratch Eye 0 0 03/02/X4 Padilla, Sanjuana MO 8 Cutting Laceration Finger 0 0 03/03/X4 Nesbitt, Veronica MO 8 Rearended by another vehicle Contusion Mult body 0 0 0 03/03/X4 Herrin, Jesus MO 24 Using knife Laceration Finger 58 58 03/05/X4 Vaughn, Lisa MO 23 Reaching for falling customer Strain Back 0 0 03/11/X4 Chowdhary, John MO 4 Hit by object Scratch Face 0 0 03/15/X4 Snook, Maria MO 87 Slip/fall Bruise Knees 0 0 03/21/X4 Diaz, Consuela MO 22 Automobile accident Strain Mult body 782 0 782 03/21/X4 Schuman, Jocelyn MO 3 Banquet table fell during setup Fracture Toe(s) 1,334 0 1,334 03/22/X4 Piorno, Miguel MO 1 Slip/fall on Wet Floor Contusion Arm, upper 239 0 239 03/28/X4 Jackson, Johnnie MO 6 Pused by guest Fracture Toe 295 295 04/02/X4 Danridge, Linda MO 1 Tripped while setting up for banquet Sprain Hand 174 174 04/03/X4 Roche, Garrett MO 3 Hit by guest Bruise Shoulder 0 0 04/04/X4 Roche, Garrett MO 3 Hit by guest Bruise Arm 0 0 04/09/X4 Kelly, Erin MO 3 Punched in eye by customer Inflamation Eye(s) 58 0 58 04/11/X4 Grandison, Marcia MO 135 Walking/Fell On Wet Floor Contusion Knee 0 0 0 04/12/X4 Diaz, Consuela MO 23 Contact with unknown substance Irritation Mult body 0 0 0 04/13/X4 Young, Samatha MO 10 Hit by swinging door to kitchen Bruise Arm/chest 0 0 04/17/X4 Cucalon, Maria MO 2 Fell setting up banquet stage Contusion Hip 264 0 264 04/18/X4 Chowdhary, John MO 5 Hit by golf ball Bruise Back 0 0 04/23/X4 Fleischman, Patricia MO 4 Attempting To Sit Chair Rolled Strain Back, lower 0 0 0 05/02/X4 Humphrey, Ted LT 1 Hit by falling obj Concussion Head 5,983 17,936 23,919 05/02/X4 Reza, Julia MO 14 Hit drawer Bruise Elbow 222 222 05/03/X4 Davis, Laura LT 13 Fell/Walking Out Front Door/Office Strain Mult trunk 827 19,748 20,574 05/06/X4 Doyle, Constance MO 2 Slip/fall Abrasion Arm 0 0 05/11/X4 Campos, Roxana MO 16 Collision W/Another Veh Contusion Face 0 0 0 05/16/X4 Brown, Mindy MO 13 Hit by falling obj Bruise Foot 182 182 05/17/X4 Tucker, Stefanie MO 9 Direct skin contact with spa chemical Inflamation Hands 14 0 14 05/17/X4 Herring, Diana MO 18 Hit by guest Contusion Mouth 40 0 40 05/19/X4 Silver, Heather MO 4 Insect bite Puncture Ankle 93 0 93 05/21/X4 Ross, Emily MO 17 Slip/fall Strain Knee 0 0 05/24/X4 Furmaga, Ferris MO 18 Restraining intoxicated guest Scratch Arm 0 0 05/24/X4 Roche, Garrett MO 4 Restraining intoxicated guest Strain Arm 0 0 05/25/X4 Holland, Waunda MO 152 Tripped and fell Contusion Knee 293 0 293 05/27/X4 Kente, Maria LT 33 Slip/fall Strain Knee 8,442 17,117 25,559 05/28/X4 Gonzales, Maggie MO 48 Cutting Laceration Finger 108 108 05/28/X4 Schieber, Kathleen MO 17 Slip/fall Sprain Ankle 0 0 05/30/X4 Goings, Mellissa MO 5 Slip/fall Strain Ankle 277 277 05/31/X4 George, Tanja MO 28 Automobile accident Contusion Mult body 483 0 483 05/31/X4 Hill, Bobbie MO 170 Slip/fall Strain Knee 0 0 06/04/X4 Esparaza, Bobbie MO 101 Contact with dust Conjunctivitus Eye 98 98 06/06/X4 Walton, Dorene MO 28 Hit by client Contusion Back, lower 1,399 1,859 3,258 06/06/X4 Morten, Dorothy MO 30 Hit tour bus door Contusion Elbow 0 0 06/07/X4 Shinholster, Vonnell MO 1 Hit by guest Strain Back/neck/shoulder 204 204 06/08/X4 Allen, Gail LT 58 Automobile accident Fracture Chest 1,858 0 1,858 06/09/X4 Hart, Gloria MO 13 Removing lodged key Contusion Finger 0 0 06/10/X4 Avis, Fema MO 1 Shoved by customer Contusion Arm 0 0 06/13/X4 Roche, Garrett MO 5 Hit by customer Strain Shoulder 132 132 06/18/X4 Morten, Dorothy MO 30 Hit by guest Laceration Face 0 0 06/19/X4 Aguilar, Edna LT 32 Restraining intoxicated guest Strain Back/arms 5,445 11,631 17,076 06/20/X4 Kaurman, Harvin MO 50 Food preparation Laceration Hand 0 0 06/20/X4 Tillman, Calvin MO 18 Outside/Stung By Wasps On Head Puncture Face 70 0 70 06/20/X4 Avila, Edward MO 1 Slip/fall Strain Knee 146 146 06/21/X4 Hartless, Chinthia MO 57 Food preparation Laceration Hand 190 408 598

Diamond Creek Resort International (DCRI) Loss Run Chronological

Date Employee

Name Type

Length of Emp.

(Months)

Cause of Injury

Type of Injury

Body Part Injured

Paid Reserve Total

06/24/X4 Held, Kimberly MO 17 Hit forehead on overhead beam Contusion Face 1,770 0 1,770 06/25/X4 Carnes, Gerald MO 1 Food preparation spice Conjunctivitus Eye 166 166 06/25/X4 Meissler, Sharon MO 44 Slip/fall Scratch Knee 0 0 06/25/X4 Phillips, Terrie MO 23 Slip/fall Sprain Ankle 617 617 06/25/X4 Prado, Phyllis MO 23 Slip/fall Strain Back 385 385 06/26/X4 Montgomery, Bobbie MO 225 Hit by falling box setting up for banquet Contusion Arm 0 0 07/01/X4 Riggins, Janice MO 13 Hit by object Contusion Eye(s) 0 0 0 07/02/X4 Khan, Maureen MO 5 Exposure To Ringworm Dermatitus Mult body 24 0 24 07/02/X4 Thompson, Caron MO 24 Slip/fall Contusion Shoulder 0 0 07/04/X4 Ashberry, Cindy MO 2 Lifting boxes Strain Back, lower 160 0 160 07/09/X4 Leggett, Susann MO 1 Hit by guest Contusion Jaw/ear 0 0 07/13/X4 White, Jamie LT 24 Moving Furniture/Boxes/Hurt Back Strain Mult body 194 8,306 8,500 07/16/X4 Roshan, Regeen MO 11 Hit by customer Contusion Eye 0 0 07/16/X4 Belma, Ed MO 8 Slip/fall Contusion Back/arms 314 314 07/16/X4 Meissler, Sharon MO 45 Slip/fall Abrasion Elbow/knee 0 0 07/17/X4 Ames, Elise LT 10 Aleercation with guest Sprain Finger 985 0 985 07/19/X4 Aquino, Norma MO 15 Slid/Fall On Steps Contusion Mult body 284 0 284 07/22/X4 Harris, Latonia MO 4 Removing Articles From Van Contusion Ankle 0 0 0 07/22/X4 Vascos, Dina MO 4 Slip/fall Strain Ankle 0 0 0 07/24/X4 Harris, Carol MO 15 Hit drawer Contusion Elbow 0 0 07/30/X4 Stone, Joseph LT 5 Lifting Strain Back/neck/shoulder 7,241 7,241 07/31/X4 Roche, Garrett MO 6 Slip/fall Contusion Palm/thumb/shoulder 308 308 07/31/X4 Sluder, Ruth MO 24 Slip/fall Contusion Side 0 0 07/31/X4 Khan, Maureen MO 6 Lifting child out of boat Strain Mult body 0 5,500 5,500 08/04/X4 Shipman, Karen MO 10 Thrown down by guest Strain Mult body 0 0 0 08/05/X4 Walline, Cindy MO 1 Hit by customer Laceration Finger/ankle 0 0 08/05/X4 Vienne, Kersti MO 2 Food service Bruise Leg 0 0 08/12/X4 Thomas, Barbara LT 19 Slip/fall Backwards On An Egg Strain Extremities, upper 1,255 17,000 18,255 08/18/X4 Stephens, Elaine MO 1 Got Up Fr Chair/Tripped Over Outlet Contusion Knee 0 0 0 08/18/X4 West, Patricia MO 1 Hit by falling can Bruise Eye(s) 0 0 0 08/18/X4 Gant, Barbara MO 2 Lifting Ice Chest Into Boat Strain Wrist 502 0 502 08/21/X4 Cesar, Marie LT 5 Overworked Contusion Mult body 0 0 0 08/22/X4 Stanley, Robert LT 1 Stumbled while walking on tour Strain Back, lower 0 0 0 08/23/X4 Green, Deborah MO 2 Hit by falling obj Bruise Foot 169 169 08/26/X4 Avis, Fema MO 3 Lifting Strain Back 213 213 08/30/X4 Kelly, Chante MO 2 Bitten By Insect On Arm Swelling Arm, lower 0 0 0 08/30/X4 Crawford, Sandra MO 17 Restraiing guest Strain Ankle 0 400 400 09/05/X4 Carreras, Elida MO 10 Hit by falling obj Contusion Toe 301 301 09/05/X4 Zeno, Irene MO 19 Slip/fall Strain Back/let 678 678 09/06/X4 Belma, Ed MO 10 Slip/fall Contusion Knees/back 0 0 09/10/X4 Wilba, L MO 2 Cleaning guest rooms Muscle pull Arm 0 0 0 09/10/X4 Thomson, Charlene MO 2 Hit by customer Hyper extention Knee 0 0 09/11/X4 Jacobs, Deanna LT 2 Shot by guest Contusion Mult body 0 0 0 09/16/X4 Scott, Andrea MO 5 Automobile accident Contusion Vertebrae 113 0 113 09/16/X4 Neocha, Rhonda MO 2 Stumbled over banquet stage Contusion Chest/wrist/leg 291 291 09/18/X4 Neocha, Rhonda MO 2 Hit by object Sprain Ankle 0 0 09/18/X4 Heine, Mitchel MO 1 Hit by customer Scratch Hand 0 0 09/19/X4 Kaurman, Harvin MO 53 Hit by guest Scratch Arm 0 0 09/21/X4 Tintera, Tammie MO 2 Restraining intoxicated guest Strain Knee 0 0 0 09/22/X4 Talley, Kenda MO 30 Moving Table/Slipped/Fell/Hit Table Puncture Knee 147 0 147 09/23/X4 Kaurman, Harvin MO 53 Catching customer/guest Strain Back/foot/arm 0 0 09/24/X4 Crightower, Mark MO 40 Cut by broken glass Laceration Finger 0 0 09/25/X4 Smith, Shelly MO 64 Scratch Back/arms 0 0 09/27/X4 Grossett, Deborah MO 1 Hit by vendor's cart on tour Scratch Leg/arms 0 0 09/27/X4 Perez, Bernard MO 6 Hit by unk person while on tour Contusion Leg 0 0 09/27/X4 Wright, Terri MO 34 Slip/fall Sprain Knee 207 207 09/28/X4 McRae, Gwendo MO 13 Shoved by customer Contusion Arm 0 0 09/28/X4 Siladke, Elizabeth MO 156 Slip/fall Contusion Mult body 2,560 0 2,560 10/02/X4 Diaz, Potoula MO 8 Automobile accident Contusion Mult body 29 0 29 10/04/X4 Carrillo, Earl MO 3 Catching guest Strain Wrist 0 0 10/05/X4 Vasilescu, Tom MO 26 Stepped in hole Strain Ankle 0 0 10/06/X4 Hathaway, Donald MO 4 Unloading Drafting Table Contusion Face 119 0 119 10/07/X4 Fabrillo, Maria LT 25 Lifting Strain Back 38,334 29,599 67,933 10/10/X4 Herrera, Bertha MO 3 Bitten by insect Inflamation Neck 97 97 10/10/X4 Smith, Virginia MO 123 Tripped On Car Stop In Parking Lot Sprain Elbow 0 0 0 10/11/X4 Ashley, Lena MO 2 Lifting Strain Back 293 293 10/11/X4 Broussard, Connie MO 15 Lifting Sprain Wrist 1,074 1,074 10/13/X4 Lampkin, Craig MO 27 Slip/fall down stairs Strain Back, lower 26 0 26 10/14/X4 McGrew, Morris MO 48 Blacked out Laceration Head 239 239 10/14/X4 Burks, David MO 48 Restraining intoxicated guest Scratch Hand 0 0 10/16/X4 Hale, Shastri MO 24 Bitten by insect Swelling Wrist 0 0 10/16/X4 Blankes, Cara MO 2 Lifting Strain Neck 213 213

Diamond Creek Resort International (DCRI) Loss Run Chronological

Date Employee

Name Type

Length of Emp.

(Months)

Cause of Injury

Type of Injury

Body Part Injured

Paid Reserve Total

10/16/X4 Johnson, Patersa MO 4 Opening can Laceration Thumb 0 0 10/17/X4 Dexter, Shana MO 244 Rearended by another vehicle Strain Mult trunk 1,854 0 1,854 10/26/X4 Hughes, Joan MO 62 Lifting Box/Dropped Box Strain Back, lower 210 0 210 10/27/X4 Bertrand, James MO 1 Automobile accident Contusion Mult body 0 0 0 10/27/X4 Jines, Teri MO 39 Lifting Strain Mult body 422 0 422 10/28/X4 Ogwe, Maribelle MO 5 Hit by customer Bruise Face 68 68 10/30/X4 Stone, Joseph LT 8 Caught falling guest Strain Neck/knee 3,248 3,248 10/31/X4 Lux, Alan MO 66 Hit by object Puncture Knee 242 242 11/01/X4 Mossa, Pamela LT 57 Lifting scuba air tanks Strain Lower back 7,373 0 7,373 11/07/X4 Liddy, Nancy MO 1 Spit on by guest Hep. B infection Eye 763 763 11/10/X4 Key, Jennifer MO 7 Restraining intoxicated guest Strain Mult trunk 110 0 110 11/12/X4 Brown, Frank MO 26 Slip/fall down stairs Contusion Mult trunk 68 0 68 11/15/X4 Ervin, Hortense LT 9 Slip/fall in icy steps Inflamation Back, upper 12,768 0 12,768 11/25/X4 Williams, Anthony MO 65 Hit by falling object Contusion Face 18 0 18 11/25/X4 Lewis, Eric MO 5 Restraining intoxicated guest Strain Thumb 0 0 11/25/X4 Helmke, Joel MO 8 Slip/fall Strain Back 0 0 12/04/X4 Ross, Cynthia MO 42 Restraining intoxicated guest Contusion Finger 228 228 12/04/X4 Goudeaux, Lisa MO 9 Sprain Thumb 180 180 12/05/X4 Lamia, Philip MO 11 Restraining intoxicated guest Sprain Thumb 178 178 12/07/X4 Tucker, Walter MO 13 Slip on soap Strain Ankle 0 0 0 12/09/X4 Feldman, Charlotte MO 46 Exposure to weather Heat exhaustion Int organs 168 0 168 12/13/X4 Ezinwa, Mary MO 1 Hit by customer Scratch Arm 92 92 12/17/X4 McCready, Ethel MO 5 Unknown Contusion Toe(s) 84 0 84 12/17/X4 Avis, Fema MO 7 Contusion Knee 0 0 12/18/X4 Abril, Lilly MO 21 Company party exposed to disease Contagious Disease Int organs 0 0 0 12/18/X4 Arrizabal, Martha MO 5 Company party exposed to disease Contagious Disease Int organs 0 0 0 12/18/X4 Brinson, Angela MO 5 Company party exposed to disease Contagious Disease Int organs 0 0 0 12/18/X4 Crespo Hazard, Mia MO 6 Company party exposed to disease Contagious Disease Int organs 0 0 0 12/18/X4 Leverson, Teresa MO 4 Company party exposed to disease Contagious Disease Int organs 0 0 0 12/18/X4 Lopez, Gloria MO 5 Company party exposed to disease Contagious Disease Int organs 0 0 0 12/18/X4 Martinez, Susana MO 2 Company party exposed to disease Contagious Disease Int organs 0 0 0 12/22/X4 Adams, Kendra LT 9 Driving Clients/Struck By Vehicle Strain Extremities, upper 315 0 315 12/22/X4 Snowman, Shawn MO 21 Hit by non employee relative Inflamation Ear 4,731 0 4,731 12/23/X4 Jones, Ann MO 16 Hit by file cabinet drawer Fracture Tooth/face 250 250 12/27/X4 Kaufman, Mark MO 2 Slip/fall Contusion Knee 206 206 01/03/X5 Wanderson, Donna LT 4 Slip/fall Strain Hip/ankle 55,638 4,307 59,945 01/06/X5 Williams, Hollice MO 90 Cleaning guest rooms Strain Wrist 43 0 43 01/06/X5 Doyle, Constance MO 9 Slip/fall Contusion Wrist 0 0 01/10/X5 Hillsman, Dan MO 14 Slip/fall Strain Back 74 74 01/13/X5 Daur, Harvin MO 29 Hit by falling equipment Contusion Ankle 0 0 01/14/X5 Blankes, Cara MO 5 Hit by unset vendor while on tour Contusion Chest/abdomen 210 210 01/15/X5 Lewis, Eric MO 7 Scratch Hand 0 0 01/17/X5 Taylor, Marlena MO 2 Food preparation Burn Arm 495 0 495 01/17/X5 Carreras, Elida MO 14 Slip/fall Sprain Leg 0 0 01/26/X5 Dewar, Raymond MO 16 Something Flew Into Window Inflamation Eye(s) 64 0 64 01/27/X5 Henderson, Patsy MO 2 Customer closed door on hand Contusion Hand 80 0 80 01/28/X5 Culpepper, Debbie MO 18 Hit by branch of shrub Scratch Eye 117 117 01/29/X5 Malinowski, Donna MO 8 Hit by falling obj Laceration Foot 0 0 01/29/X5 Thomson, Charlene LT 5 Lifting Strain Back 22,699 18,877 41,576 02/03/X5 Brown, Jacquelyne MO 250 Repetitive Motion Typing, Collating Strain Extremities, upper 1,665 0 1,665 02/10/X5 Fuentes, Carmen MO 25 Hit by banquet cart Contusion Head 276 276 02/11/X5 Hart, Gloria MO 20 Restraining intoxicated guest Bruise Leg/arms 0 0 02/17/X5 Miller, Jeff MO 80 Hit by falling obj Bruise Hand 210 210 02/18/X5 Obiwan, Nekbui MO 2 Hit by guest Loose tooth Mouth 3,999 3,999 02/22/X5 Hardy, Erica MO 1 Slip/fall on Wet Floor Contusion Hip 0 0 0 02/22/X5 Mathissexton, Amy MO 1 Walking/Fell In Hole Sprain Ankle 106 0 106 02/25/X5 Middleton, Joe MO 3 Slip/fall Strain Knee 107 107 02/26/X5 Gonzales, Maggie MO 57 Lifting Strain Groin 158 158 03/04/X5 Bradley, Troy MO 4 Cut by fishook Laceration Finger 104 104 03/04/X5 Ogwe, Maribelle MO 9 Slip/fall Strain Knee 75 75 03/10/X5 Knoles, Gloria MO 40 Stubbed toe on door stop Laceration Toe(s) 192 0 192 03/11/X5 Martinez, Viola MO 168 Contact with spa chemical Inflamation/irritation Hand/thumb 175 175 03/12/X5 Buck, Rhoda MO 73 Slip/fall Contusion Knee 0 0 03/13/X5 Croteau, Roger MO 68 Moving/Setting Up Computer Tables Laceration Finger 0 0 0 03/16/X5 Walline, Cindy MO 8 Box fell from shelf Contusion Head/shoulder/hand 0 0 03/16/X5 Brams, Jennifer MO 1 Lifting Strain Back 194 194 03/18/X5 Brown, Debra MO 13 Automobile accident Contusion Mult body 50 0 50 03/20/X5 Heine, Mitchel MO 7 Running after purse snacher on tour Strain Knee 0 0 03/29/X5 Fishman, Victoria LT 23 Emptying Mop Bucket/Lifted Sprain Back, lower 11,186 161,809 172,995 03/31/X5 Redmond, Drystal MO 1 Cutting Laceration Finger 0 0 04/01/X5 Huntley, Mike MO 7 Restraining intoxicated guest Bruise Arm 235 235 04/02/X5 Huntley, Mike LT 7 Restraining intoxicated guest Strain Back 7,051 7,051

Diamond Creek Resort International (DCRI) Loss Run Chronological

Date Employee

Name Type

Length of Emp.

(Months)

Cause of Injury

Type of Injury

Body Part Injured

Paid Reserve Total

04/10/X5 Burleson, Shirley MO 37 Knee Hit Uncovered Desk Drawer Edge Laceration Knee 0 0 0 04/12/X5 Reeder, Jd MO 21 Automobile accident Contusion Mult body 56 0 56 04/14/X5 Baez, Monica MO 2 Automobile accident Contusion Mult body 863 0 863 04/24/X5 Thompson, Caron MO 33 Replacing light bulb Laceration Hand 45 45 04/26/X5 Bernales, George MO 3 Hit by debris from lawn mower Laceration Face 187 0 187 04/28/X5 Feldman, Charlotte MO 62 Lifting Strain Back, lower 168 0 168 04/30/X5 Buccelli, Julia MO 4 Slip/fall on boat dock Strain Thigh 758 0 758 05/02/X5 Herrin, Jesus MO 14 Slip/fall Bruise Chest 143 143 05/04/X5 Gahagan, Renee MO 9 Pushing Garbage W/ Wheels Strain Arm, upper 865 0 865 05/11/X5 Holmes, Catherine MO 51 Getting up from floor Strain Back 75 75 05/13/X5 Paige, Margaret MO 62 Rearended by another vehicle Strain Mult body 595 0 595 05/15/X5 Wigley, Maxwell MO 44 Hit by guest Contusion Face 0 0 05/17/X5 Abreu, Jose MO 5 Spraying pest control chemical Burning sensation Eye(s) 0 0 0 05/19/X5 Griffith, Lydia MO 2 Hib by door Contusion Knee 0 0 05/20/X5 Murray, Lakisha MO 1 Hit by golf cart Contusion Knee 0 0 0 05/28/X5 Gonzalez, Vidmary MO 8 Exposure to weather Heat exhaustion Mult body 28 0 28 05/28/X5 Alvarez, Susan MO 55 Exposure To Ringworm Dermatitus Mult body 100 0 100 06/08/X5 Gerhardt, Michele MO 6 Lifting furniture Strain Mult trunk 808 0 808 06/08/X5 Henderson, Ursula MO 43 Cut repairing property fence Laceration Extremities, upper 259 0 259 06/09/X5 Broomfield, Jimmy MO 6 Moving material Laceration Finger 0 0 06/09/X5 Stone, Joseph MO 15 Turning Strain Knee 0 0 06/10/X5 MacMillan, Joanne MO 1 Food preparation Laceration Finger 169 0 169 06/10/X5 Talley, Kenda MO 27 Food preparation Laceration Finger 155 0 155 06/19/X5 Harry, Mary MO 216 Operating machine Laceration Thumb 467 467 06/19/X5 Pollan, Laura MO 222 Slip/fall Abrasion Knee/elbow 0 0 06/21/X5 Towns, Mary LT 9 Filling scuba air tanks Strain Back 1,589 8,861 10,450 06/24/X5 Ayiend, Tina MO 5 Lifting Strain Back 288 288 06/24/X5 Peeples, Oran MO 36 Lifting Strain Arm 320 320 06/24/X5 Thomas, Dave MO 30 Running/fell Strain Back 335 335 06/25/X5 Serock, Kathryn MO 13 Lifting An Ice Chest Into Van Strain Back, lower 0 0 0 07/02/X5 Thompson, Sandra MO 21 Stepped out of boat Sprain Ankle 276 0 276 07/09/X5 Baud, Christy MO 6 Exposure to pink eye Inflamation Eye 49 0 49 07/10/X5 Virgili, Anabelle MO 38 Lifting Box Of Binders Strain Mult body 146 5,354 5,500 07/12/X5 Wheaton, April MO 2 Grabbed by customer Strain Neck 146 0 146 07/17/X5 Carrillo, Earl MO 12 Reaction to spa chemicals Chemical reaction Body 269 269 07/17/X5 Martin, Randall MO 24 Tryed To Hold Elevator Twisted Neck Strain Neck 757 0 757 07/21/X5 Lembersk, Grace MO 1 Lifting hot pot Burn Finger 246 246 07/21/X5 LaPlante, Belle MO 1 Undetermined Strain Knee 256 256 07/23/X5 Bracey, Vanessa MO 8 Slip/fall At Jobsite Strain Knee 0 0 0 08/03/X5 Nettles, Robyn MO 68 Hit dolly Chipped tooth Mouth 0 0 08/03/X5 Celdran, Carlos LT 29 Working On Floor Hit Plywood Contusion Knee 567 0 567 08/05/X5 Lampkin, Craig MO 37 Installing door Strain Back, lower 112 0 112 08/06/X5 Heine, Mitchel MO 11 Finned by fish Puncture Hand 136 136 08/10/X5 Wilson, Jackie MO 6 Hit by guest Contusion Shoulder/arm 185 185 08/16/X5 Allen, Jane LT 15 Rearended by another vehicle Contusion Mult body 2,103 14,667 16,771 08/20/X5 Lee, Stephanie MO 4 Hit By A Client Contusion Back, upper 0 400 400 08/20/X5 Watkins, Sonya MO 11 Slip/fallon ice Strain Knee 144 144 08/20/X5 Mora, Marisol MO 11 Slipped On Wet Steps Hurt R Side Contusion Mult body 685 0 685 08/20/X5 Waknine, Tanya MO 35 Unknown Contusion Mult body 0 0 0 08/25/X5 Stewart, Frankie MO 10 Baitnig fish hook Puncture Finger 0 0 08/25/X5 Snook, Maria MO 104 Lifting Strain Side 0 0 08/26/X5 Budran, Lori MO 11 Driving golf cart Strain Finger 242 0 242 08/26/X5 Serrano, Susan MO 20 Exposure to weather Heat exhaustion Mult body 0 0 0 09/03/X5 Lewis, Tamara MO 1 Hit by thrown object from guest Contusion Foot 260 260 09/04/X5 Stanley, Armynda MO 1 Slip/fall on ice Contusion Buttocks 0 0 09/15/X5 Snowman, Shawn MO 31 Slip/fall down stairs Strain Knee 736 0 736 09/15/X5 Brams, Jennifer LT 7 Undetermined Strain Back 4,814 4,814 09/16/X5 Awosian, Carol LT 7 Slip/fall Down Wet Steps Strain Mult body 6,953 0 6,953 09/18/X5 Prado, Phyllis MO 37 Hit by falling obj Contusion Thumb 537 537 09/20/X5 Bento, Ingrid MO 1 Walking/Slipped/Fell Into Doors Contusion Extremities, upper 322 0 322 09/21/X5 Snyder, Linda MO 24 Lifting Sprain Ankle 0 0 09/23/X5 Johnson, Donn MO 1 Hit room divider Contusion Toe 266 266 09/24/X5 McClanahan, Lizzie MO 68 Hit by swinging door to kitchen Contusion Finger 0 0 09/29/X5 Roseberg, Bruce MO 3 Rearended by another vehicle Strain Mult body 1,868 0 1,868 09/30/X5 Berry, Melissa MO 3 Closed Finger In File Cabinet Contusion Finger 0 0 0 10/01/X5 McGee, Jennifer MO 13 Hit by falling equipment Contusion Foot 172 172 10/02/X5 Blake, Carole MO 16 Hit door Contusion Head 0 0 10/05/X5 Phillips, Terrie MO 38 Hit foot on banquet cart Fracture Toe 451 451 10/07/X5 Ortega, Carlina MO 2 Leaving Bldg/Twisted Ankle Strain Ankle 0 0 0 10/07/X5 Ornelaz, Evelyn MO 162 Slip/fall on ice Scratch Knees 495 495 10/09/X5 Thompson, Caron MO 39 Lifting Strain Shoulder/arm 172 172 10/13/X5 Martinez, Virginia MO 107 Bitten by unkown insect(s) Inflamation Back 144 144

Diamond Creek Resort International (DCRI) Loss Run Chronological

Date Employee

Name Type

Length of Emp.

(Months)

Cause of Injury

Type of Injury

Body Part Injured

Paid Reserve Total

10/14/X5 Jean Louis, Mayrse MO 6 Bit by dog while on tour Laceration Ankle 511 0 511 10/15/X5 Durbin, Edwina MO 132 Twisted ankle getting out of chair Strain Ankle 155 0 155 10/21/X5 Antwine, Tonie LT 2 Lifting banquet table Strain Back 1,360 1,360 10/25/X5 Tortorici, Christine MO 4 Skiing Contusion Leg, lower 34 0 34 10/27/X5 Serrano, Susan MO 22 Skirting conference table Puncture Finger 37 0 37 10/27/X5 Greco, Michele MO 4 Cleaning guest rooms Strain Hand 24 0 24 10/27/X5 Matthys, Sarah MO 5 Ran Red Light-Struck By Anoth Veh Laceration Mult body 1,058 0 1,058 10/30/X5 Thomas, Illinois MO 3 Restraining intoxicated guest Strain Neck/shoulder 559 559 10/31/X5 Martinez, Gonzolo MO 76 Bitrten by fire ants Inflamation Lower leg 108 108 11/02/X5 Carreras, Elida MO 24 Contact w/ chemical Conjunctivitus Eye 185 185 11/04/X5 Hatfield, Judith MO 1 Slip/fall On Sidewalk Contusion Mult body 0 0 0 11/05/X5 Silis, Monica MO 3 Lifting Strain Wrist 0 0 11/09/X5 Blankes, Cara MO 15 Lifting Strain Back 283 283 11/10/X5 Pierce, Karia MO 27 Seizure Contusion Head 0 0 11/17/X5 Aguire, Ethan MO 64 Slip/fall on ice Abrasion Knee/ankle 495 495 11/19/X5 Diaz, Consuela MO 42 Exposure to weather Heat exhaustion Int organs 174 0 174 11/24/X5 Cherry, Natania MO 56 Driving/Rear Ended By Anoth Veh Contusion Mult body 0 0 0 11/28/X5 Davis, Brigette MO 11 Baiting fish hook Puncture Finger 0 0 0 12/03/X5 Carter, Mary MO 19 Automobile accident Contusion Mult body 0 0 0 12/04/X5 Martinez, Juan MO 96 Slip/fall Strain Back 0 0 12/08/X5 Heine, Mitchel MO 16 Food service Contusion Shoulder/arm 0 0 12/09/X5 Marshall, Tonya MO 4 Exposure to weather Heat exhaustion Int organs 184 0 184 12/09/X5 Rogers, Diane MO 5 Exposure to weather Heat exhaustion Int organs 168 0 168 12/12/X5 Caccerre, Gertrude MO 34 Washing dishes Scratch Arm 0 0 12/20/X5 Newman, Harold MO 2 Fell stepping into fishing boat Contusion Hip 495 0 495 12/23/X5 Boyer, Julie MO 22 Bitten By Fire Ants/Reaction Swelling Mult body 82 0 82 12/28/X5 Fuentes, Carmen MO 35 Slip/fall Contusion Hip 0 0 12/30/X5 Tellison, Marie MO 240 Lifting Strain Back/arms 0 0 12/30/X5 Stroupe, Jackie MO 215 Restraining intoxicated guest Strain Back 0 0

25 Total claims = 749 1,030,681 599,672 1,630,352

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Qualitative Analysis Appendix

Reprinted with permission of International Risk Management Institute, Inc.