Transcript Tri-State Risk Management

Tri-State
Employer Services
“Your Complete Outsourcing Employers Solution”
Loss Control is Cost Control
A Safety Management
Presentation
By Tri-State’s
Risk Management Department
Tri-State Risk Management
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Risk Management Mission Statement
Tri-State Employment Services, Inc. (and
affiliated companies) Mission Statement for Risk
Management (Loss Control, Underwriting &
Claims Management) is to develop and maintain
an integrated multi-disciplinary program to
effectively manage and preserve Tri-State
Employment Services, Inc. (and affiliated
companies) and our client companies’ resources,
assets and liabilities.
Tri-State Risk Management
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Vision Statement
The vision of the Risk Management Department is to:
• continually improve services to our organization and
client companies,
• protect human, physical and financial assets and
resources,
• help maintain a safe and healthy work environment,
• assist and educate others in meeting regulatory
compliance-related responsibilities, and
• promote a risk-conscious climate in a manner consistent
with the mission and vision of Tri-State Employment
Services, Inc., its affiliated companies and our client
companies.
Tri-State Risk Management
Industry Types Serviced:
Assisted Living Homes
Auto Mechanics
Car Dealerships
Carpentry
Construction
Day care Centers
Hospitals
IT Specialists
Janitorial services
Manufacturing
Offices
Painters
Physician Offices
Printing Ops.
Restaurants
Retail Stores
School Bus Ops.
Trucking
Warehouse Ops.
And many more…
Tri-State Risk Management
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Is your business at risk ?
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Human Resources, e.g., retrain/replace employees
Fixed assets, e.g., damage to equipment/material
Continuity of operations, e.g., investigate incident
Market position, e.g., delayed deliveries
Regulatory compliance, e.g., OSHA, DOT, SEC
Financial stability, e.g., decreased revenue /increased expenses
Liability, e.g., corporate / personal responsibility
Image to employees & public, e.g., news articles, SEC
investigations, and competitors derogatory statements
Tri-State Risk Management
Management’s Safety Misconceptions
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Internal conditions
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It never happened before! Why do anything?
We’re OK. We have insurance coverage.
Our Insurance Carrier will not increase our costs or cancel
our policy!
Our company’s Experience Modification will not be
impacted!
We don’t have time to implement safety policies and
procedures!
It always happens to the next guy!
Tri-State Risk Management
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Management’s Safety Misconceptions
(continued…)
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Production Priorities
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No time or manpower to get safety things done
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No time for safety meetings; training, etc.
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Senior management will not support safety policies and procedures
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Safety policies and procedures will cost to much $$$$$
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The “Law” does require companies to implement safety policies
and procedures
Tri-State Risk Management
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Direct Worker’s Compensation Components
• Medical Expenses (Unlimited)
• Disability / Indemnity (Statutory Limits)
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Temporary Total
Permanent Total
Temporary Partial
Permanent Partial
Death Benefits (Statutory Limits)
Rehabilitation Benefits (Statutory Limits)
Benefit Administration
Legal Costs (Coverage “B”)
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Defense Costs
Tri-State Risk Management
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Indirect losses
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Down time – other employees assisting injured employee,
time and expense to investigate accident, and potentially
lower employee production performance
Replacement and training of injured employee(s) –
additional overtime expense and or learning curve for new
employees
Damaged material and equipment
Decreased production goals
Delayed delivery
Potential loss of customers
Loss of profit/sales
Increased expenses
OSHA fines
Tri-State Risk Management
 Indirect
losses
(Continued…)
• There are as many as 100 ways indirect loss is
incurred with each accident.
• Total Indirect Loss = 4 to 10 x Total Direct Loss
The proof is too costly and time
consuming to learn from experience
Tri-State Risk Management
 Human
behavior control
• Stress importance of safety as a way of doing the job –
Management MUST lead by example.
• Establish and enforce safety rules and regulations
• Provide awareness and training
• Diligent managerial supervision
• Unsafe act inspections (Job Safety Analysis)
• Consider incentive, award / reward
Tri-State Risk Management
 Loss Control Services Include:
• Developing or increasing the effectiveness of safety
program elements
– e.g., Company Policies and Procedures, Accident
• Investigations and self inspections
• Safety committee roles and activities
• Early Return to Work Program or Modified /
Transitional Duty Positions
Tri-State Risk Management
 Loss Control Services:
(Continued)
• Accident Investigation
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Accident Trending
Unsafe Acts/Conditions
Accident Loss Leaders
NOTE: Too many accident investigation reports falsely
show the main cause to be “employee carelessness.”
Tri-State Risk Management
 Loss Control Services: (Continued)
• Regulatory Compliance
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Occupational Safety & Health Administration (OSHA)
www.osha.gov (home page)
it's
the
law!
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Department Of Transportation (DOT)
www.dot.gov (home page)
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California Division of Occupational Safety and Health(DOSH)
or Cal/OSHA
http://www.dir.ca.gov/dosh/EnforcementPage.htm
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Environmental Protection Agency (EPA)
www.epa.gov (home page)
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And more…
Tri-State Risk Management
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Hazard Assessment: Inspection
and Evaluation Procedures
• On-site facility surveys
• Life Safety (NFPA 101)
• Machine Guarding (OSHA 1910.212)
Point of Operation Guards (OSHA 1910.217)
• Personal Protective Equipment (OSHA
1910.132)
• And more…
Tri-State Risk Management
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Specialized Surveys
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Ergonomics
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Industrial Hygiene, Indoor Air Quality
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Occupational Health
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OSHA-Type surveys
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And more…
Tri-State Risk Management
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Assist in developing effective
safety program elements:
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Emergency Action Plan (OSHA 1910.38)
Disaster Recovery
Bloodborne Pathogens (OSHA 1910.1030)
Violence in the Workplace (OSHA 5(a)(1))
Hazardous Waste Operations and Emergency
Response Standard (OSHA 1910.120)
• Hazard Communication (OSHA 1910.1200)
• Confined Spaces Policy (OSHA 1910.146)
• Respiratory Protection Policy
(OSHA 1910.134)
Tri-State Risk Management
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Assist in developing effective safety
program elements
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Hearing Conservation Program
(OSHA 1910.95)
Stairway and Ladder Safety Fall Protection
Forklift Operation
Scaffolding/Aerial Lift Safety
Excavation Safety
Hot Work Safety Policy
Electrical Safety
CPR & First Aid
Driver Safety Policy
And more…
Tri-State Risk Management
 Emergency Action Plan
OSHA Subpart E: 29CFR1910.38(a)
 Authority and responsibility
 Early warning (alarms) and communications
 Emergency response plan / evacuation
 Designated evacuation team – trained
 Rescue; medical duties - designated
employees
Tri-State Risk Management
Training Methodology
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Classroom Lecture
Videotape
Computer, CD
Webinars
News Letters
Professional Publications
Tri-State Risk Management
Let’s do it !
Let’s contact Tri-State now!
Loss Control is Cost
Control!
Tri-State Risk Management
 Contact
– Phone:
– Fax:
Us
212-619-0160
212-619-1611
• Phillip Bok, CPCU, CWCP, CFSA, CIPA, APA, ARM
Vice President of Risk Management & Insurance
Operations
– [email protected]
• Marvin Tricanowicz, Loss Control Manager
– [email protected]
“Your Complete Outsourcing Employers Solution”