A Crushing, Complex Claim
What Are Risk Scenarios?
Each Risk Scenario consists of two parts — The Scenario and The Analysis.
Part 1: The Scenario (15 minutes) Read The Scenario and answer integrated poll questions that solicit your approach or feedback to the situation. The Scenario is based on hypothetical situations that showcase emerging risks.
Part 2: The Analysis Review key themes in the Summary, access relevant articles and resources, learn about existing products and discuss the scenario with other participants.
Disclaimer: The events depicted in this scenario are fictitious. Any similarity to any corporation or person, living or dead, is merely coincidental.
Jerry McShane hustled as fast as he could through Chicago’s Midway Airport Concourse C on his way to his job as a baggage handler for Vista Airlines. He was late to work, for no other reason than he had spent a late night at Wrigley Field.
His beloved Cubbies had drawn out the agony, but had once again lost to the rival Milwaukee Brewers. This time the score was 4-3 in 13 innings.
As he jogged, Jerry checked to see if he had his earplugs and a backup set. You didn’t want to get caught on the tarmac without them.
Once out on the tarmac, Jerry and his buddies shouted condolences to one another over the fate of their Cubs and took turns teasing each other about their work habits.
Jerry, 19, was invigorated despite the Cubbies’ loss. The hustle and flow of the airport was exciting to his young eyes and ears; people dressed up and going places.
It was a busy day on the Midway tarmac. The average passenger might not notice, but parts of Terminal C were being renovated as tractor trailers ferried new HVAC systems and other hardware for the new stores and restaurants that would serve the upgraded terminal.
Jerry was about a third of the way through his workday, slinging luggage onto the conveyor belt that bore them into the belly of a 747, bound for Miami, when he looked up and saw a girl with shimmering chestnut hair leafing through a magazine in her window seat.
Her hair was straight and fine, and was cut in an A-line bob so that it fell over her face when her head was down. When she brought her head up, she tossed her hair back and caught Jerry’s eye in that moment.
She smiled at Jerry, she was freckled and her blues eyes were sparkling. Jerry smiled back.
“Wow,” he said to himself inside.
Just then the roar of an incoming 747 rattled Jerry and he not only lost eye contact with this beautiful woman that he would never see again but momentarily lost his bearings.
He knew where the baggage cart he was unloading was. But as he broke his gaze with the girl on the plane, he turned and stepped between two parked baggage trucks, right into the path of an oncoming semi.
The steel fender of the semi slammed into Jerry, smashing his left hip and driving him under the second and third set of the truck’s wheels. Jerry screamed so loudly his co-workers heard him through their protective head gear.
The severity of Jerry’s injuries were immediately, gruesomely apparent. Jerry’s body twitched involuntarily as he entered shock. Deep, dark splotches of blood stained his jeans where his knees had been crushed.
One of Jerry’s fellow workers started ripping up his own outer shirt to make tourniquets for both of Jerry’s legs. The red-haired girl could only watch from her plane window in nauseated horror at what had just happened.
(The Scenario continues on page 2)