Insurance Perspective

Transcription

1 Insurance Perspective

2 CAUSE OF ACCIDENT Total Cnt Cnt Total Incurred TOTAL INCURRED Cnt Total Incurred TOTAL INCURRED Cnt Total Incurred TOTAL INCURRED Cnt Total Incurred TOTAL INCURRED Total Total Incurred TOTAL INCURRED CAUGHT IN, UNDER OR BETWEEN NO 1 $ 2 77, CAUGHT, PUNCTURE, SCRAPE, NOC 1 $ $ 1 $ $ 2, , COLLAPSING MATERIALS (SLIDES O 1 $ 30, $ , FALL, SLIP OR TRIP, NOC 3 $ 117, $ 96, , FROM DIFFERENT LEVEL (ELEVATIO 5 $ 40, $ 24, $ 13, $ 1, , FROM LADDER OR SCAFFOLDING 3 $ 2 $ $ 690, $ 113, , INTO OPENINGS 1 $ 1 MACHINE OR MACHINERY 2 $ 418, $ 873, ,129, MOVING PARTS OF MACHINE 1 1, ON SAME LEVEL 1 $ $ 1, $ 2, , ON STAIRS 1 $ 1 OTHER MISCELLANEOUS, NOC 1 $ 3 $ 14, $ 29, $ 60, , STRIKING AGAINST OR STEPPING O 3 $ 28, $ 5 28, STRUCK OR INJURED, NOC 2 $ $ 1, $ 15, $ 1, , Grand Total 19 $ 487, $ 188, $ 1,721, $ 181, $ 4,064,660.02

3 Claim Count Incurred Loss Average Incurred Loss Total Fatal 4 $328, 591 $1,342,474 Permanent Partial 486 $91,216 $44,331,019 Temporary Total 522 $19,124 $9,983,157 Medical Only 2414 $1,326 $3,203,003

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9 Company Growth Acquisitions/Mergers - Off Spring has different culture - Training - Procedures - Enforcement - Consequences

10 Risk Risk measure of both the likelihood an event will happen and the consequences of the event if it happens. Chance of injury, damage, or loss. Probability - Consequence 10

11 Risk Management Probability (On your own) - Consequence Probability (Rules in Place) - Consequence Probability (Rules Enforced) - Consequence Probability (Competent Training) - Consequence Probability (New Equipment) - Consequence Probability (Zero Tolerance) _ Consequence

12 Risk Management Probability - Probability - Probability - Probability - Consequence(On your own) Consequence (Rules in Place) Consequence (Hands on Training) Consequence (Correct Bin Entry Procedures) Probability - Consequence (Correct Restraints, etc ) Probability - Consequence

13 Instructor 10 Hour OSHA Course Confined Space Course Competence in Classroom Teaching Competence with Hands On /Demonstrations Teaching Grain Entrapment Rescue Course Refresher of above as needed

14 Training Agenda - Classroom Statistics Confined Space LOTO Labels/Decals Bin Entry Procedures Fall Restraints Local Fire/Rescue Capabilities Enforcement Policy Discipline Policy Test designed to demonstrate competence Employer Certifies

15 Training Agenda Hands On Fall Restraints - don LOTO install locks CS Entry Permit fill it out Atmospheric Testing use gas meter Respirator basics Test exercises demonstrate competence in each of above Employer Certifies

16 Training Frequency Initial - Classroom - Certified by Employer - Signed by Employee - Would not allow PRCS entry Hands On/Demonstration - Certified by Employer - Signed by Employee - Would allow entry into a PRCS

17 Training Frequency Quarterly 1 st Quarter Entry Permits & LOTO 2 nd Quarter Air Quality & PRCS Locations 3 rd Quarter Hands On Fall Restraints 4 th Quarter Annual Initial Classroom Continuous

18 Safety Risk measure of both the likelihood an event will happen and the consequences of the event if it happens. Chance of injury, damage, or loss. Safety state of being relatively free from harm, danger, injury or damage. Relative = what you consider acceptable. 18

19 Acceptable Level of Risk Safety/Risk = Acceptable Level of Risk (relative) Risk = probability and consequences of an event Your Safety Program = acceptable level of probability and consequences 19

20 Your Workplace Risk Level Always Most times Sometime Maybe Never What Policy Hard Hat Glasses Shoes Conf Sp LOTO Hsekeep Guards Stairs

21 Your Workplace Risk Level Zero (Always) 1 st Aid (Most Times) Injury (Sometime) Severe Injury (Maybe) Severed Limbs (Never) Death (What Policy) Hard Hat Glasses Shoes Conf Sp LOTO Hsekeep Guards Stairs

22 Ask Yourself Do you have a complete written bin entry procedure that emphasizes no entry? Is your training instructor qualified and competent to teach your employees correct bin entry procedures? Do you have bin entry procedures awareness training for all employees? Do you have additional hands on training for all employees who are authorized to enter a grain bin? Do you train at least once per quarter on some aspect of correct bin entry?

23 Four (4) OSHA questions asked during fatality investigation 1. Do you have clear rules and expectations? 2. How do you know employees understand the rules & expectations? 3. Do you have an effective process to discuss deviations from expectations? 4. Do you have an effective enforcement program? 23