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CTSI loss analysis: law enforcement claims and slips/trips drive county losses, auditors say
Summary
A CTSI Loss Control review of the county’s five‑year claims history showed the bulk of dollars were tied to law-enforcement arrest-related and administration claims; slips, trips and falls and body‑mechanics injuries were the most frequent workers’ compensation claims.
CTSI Loss Control presented a five‑year loss analysis to the Custer County Board of Commissioners on May 8, 2025, identifying law-enforcement and administration claims as the largest drivers of dollars paid and slips/trips/falls as the most frequent workers’ compensation incidents.
Steve (CTSI Loss Control) told the board that, over the five-year review, law enforcement accounted for the largest share of claim dollars — he cited approximately $881,000 in severity within the liability/capital pool attributed to law enforcement — and that a single arrest-related claimant represented the lion’s share of the county’s liability payouts. CTSI also identified one employment-related claim that accounted for a substantial portion of administrative liability costs (roughly $300,000 by the presenter’s account).
For the workers’ compensation (CWCT) pool, CTSI said the largest frequency of incidents were slips, trips and falls (12 reported incidents over five years), and the largest costs were tied to law-enforcement-related incidents such as training injuries and vehicle crashes. CTSI noted that many counties see similar patterns — vehicle claims and slips/trips are common — but said Custer County’s recent upward trend in total payouts warrants renewed focus on risk-management practices.
Commissioners and staff discussed practical steps including focused incident investigations, targeted training (defensive driving, slips/trips/falls prevention), use of ice cleats in winter conditions for field staff, and clearer incident-location recording to determine whether incidents occur in the field or on facility grounds. CTSI offered to provide specific training materials and short video resources for winter slipping and falling prevention and to work with county staff on incident-investigation practices.
No formal action was taken; the presentation concluded with board direction to consider a follow-up workshop to review detailed incident locations and mitigation steps with HR and department supervisors.
(See provenance below for transcript excerpts.)
