Tuesday, November 15, 2016

Accidents in the workplace : a historical decrease in the loss ratio for the past 70 years – Actu-Environnement.com

The frequency of work accidents has stabilised at its lowest level for 70 years. But France has a loss ratio of 30% higher than that of Germany and some sectors of activities are on the rise.

We find a drop in historical loss experience of the past 70 years“, welcomes Pascal Jacquetin, head of the mission of statistics at the Caisse nationale d’assurance maladie des travailleurs salariés (Cnamts).

indeed, the figures on accidents at work (AT) and occupational diseases (MP), disclosed this on Tuesday, 15th November, are in general good but they hide, however, significant disparities depending on the sector and the results remain worse than those seen in Germany.

Towards the creation of a system of bonus-malus for small businesses Currently, businesses with fewer than twenty employees are subject to a pricing collective based on the loss experience of the industry to which they belong. “We are looking to create a system of bonus-malus on the German model for companies with 10 to 20 employees,” said Marine Jeantet. The director of the professional risks of the Cnamts has, however, clarified that the penalty would be quite symbolic, in order to send a signal, and would not affect the financial balance of the companies. The device, which would not see the day before three to four years, requires a validation policy before it can be launched.

Bearing since 2013

The frequency of work accidents mark a plateau and remains to be one of the levels of the lowest for 70 years with a frequency index of 33.9 workplace accidents with stoppage per 1,000 employees in 2015,” shows the Insurance Risk professionals. The frequency index stood at 120 in 1950.

This improvement has two main reasons, ” explains Pascal Jacquetin. In the first place, a tertiairisation of the economy that makes the employees find themselves more frequently today in front of a computer at the touch of a machine tool. But it is also explained by the significant progress made by certain professional sectors such as the metallurgy or CONSTRUCTION. For the metal, “this progress can be explained by the beneficial effects of the directive “machines”“, says the representative of the Cnamts. For the BTP, “the regulatory regime is strengthened in the 80′s and the labour code is now very specific to this sector“, he adds.

The CONSTRUCTION industry registers a decline in its index of frequency of 2.6% in 2015 compared to the previous year. This does not prevent him to remain one of the sectors most affected with 61,9 AT for 1,000 employees. The chemistry sector is also experiencing a decline in the accident frequency of 2.5%, but with a frequency index widely best of 25 AT/1.000 employees. Similarly, the frequency of accidents decreases of 3.7% in the interim, with a frequency index of 44.8 AT/1.000 employees.

A frequency index 30% higher than that of Germany

In some areas, the improvement of statistics could, however, be explained by recourse to more outsourcing. “three years, announces Marine Jeantet, director of professional risks at the Cnamts, the place of occurrence of the accident must be indicated in the declaration of a work accident“. This should allow, if necessary, to identify surrisques in sectors involving the sub-contract.

The average decline of the frequency index cache also increases in some sectors. This is the case of the activities of human services, which recorded a growth of 3.4%. With a frequency index “serious concern” of 92.7 AT/1.000 employees. That is 10 points more than the CONSTRUCTION sector.

Another weakness, a frequency index of workplace accidents 30% higher than what the country is experiencing. “industry-specific differences shed light on the differences between the two countries“, wants to reassure the Cnamts. The index is indeed higher in Germany if you look at only the construction sector or industry. “More claims does not necessarily mean that one is less good in prevention, adds Raphaël Haeflinger director Eurogip, who published a comparative study France/Germany on the indicators of claims experience to the work over the period 2010-2014. “It is necessary to take into account the insurance systems as well as the practical statistics,” explains the leader of the public consortium formed by the Cnamts and INRS.

In France, the reporting obligation applies to the employer for all accidents, whether they result or not in work stoppages. In Germany, the accident report is not required for accidents leading to less than four days off work. However, in his study, Eurogip accurate not to have taken into account for France that the accident more than three days off work. It therefore remains difficult to advance to the difference of the statistical approach to explain this difference of loss ratio with our neighbor beyond the Rhine.

Article published on November 15, 2016


No comments:

Post a Comment