Pub. 20 2021-2022 Issue 2

N E W J E R S E Y C O A L I T I O N O F A U T O M O T I V E R E T A I L E R S 27 new jersey auto retailer W W W . N J C A R . O R G ZIP has produced REAL results for participating dealers: • 80% of participating dealerships had loss ratios under 20% • 70% had loss ratios under 10% • Medical and indemnity claim costs for participating dealerships were three times less than dealerships with no formal safety program in place. Safety is a journey. Repeated reinforcement is needed for employees to embrace a safety culture. The requirements to achieve a zero-injury culture include: • Forming a high-impact safety committee; • Conducting a safety inspection that includes solutions, remediation and abatement planning; • Investigating employee injuries to determine the root cause; • Reporting claims promptly; and • Providing and promoting periodic recognition events. ZIP Program Testimonials “The commitment to safety has changed the very culture of safety awareness at all our locations. At the end of the day, the NJ CAR ZIP program has helped us improve our dealership financial results.” - Eric Nielsen “The ZIP program is an excellent, structured way to limit workers’ compensation exposure. Getting ALL employees involved in raising awareness of workplace safety has led to a lower frequency of claims.” - Jeff Wall “The NJ CAR Zero Injury Program provides our management team with an effective, easy to use, injury prevention plan throughout the year. Also, by utilizing loss control methods that help make employees conscious of safety during the busy workday, we are reducing the rate of injury.” - David Defilippo Charles Russo is NJ CAR’s Risk Manager & Safety Specialist and has more than 20 years of risk management, safety, claims and compliance experience. He can be contacted at crusso@njcar.org or 609.883.5056, x314. Look at the incredible results NJ CAR members are achieving by utilizing the ZIP Program: Dealer location #1 202 days accident free Dealer location #2 258 days accident free Dealer location #3 392 days accident free Dealer location #4 505 days accident free Dealer location #5 905 days accident free Dealer location #6 932 days accident free