Tri-State

Employer Services
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Loss Control is Cost Control

A Safety Management Presentation

By Tri-States

Risk Management Department

Tri-State Risk Management

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

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

Is your business at risk ?

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

Managements Safety Misconceptions

Internal conditions
It never happened before! Why do anything? Were OK. We have insurance coverage. Our Insurance Carrier will not increase our costs or cancel our policy! Our companys Experience Modification will not be impacted! We dont have time to implement safety policies and procedures! It always happens to the next guy!

Tri-State Risk Management

Managements Safety Misconceptions

(continued)

Production Priorities
No time or manpower to get safety things done No time for safety meetings; training, etc. Senior management will not support safety policies and procedures Safety policies and procedures will cost to much $$$$$ The Law does require companies to implement safety policies and procedures

Tri-State Risk Management

Direct Workers Compensation Components

Medical Expenses (Unlimited) Disability / Indemnity (Statutory Limits)

Temporary Total Permanent Total Temporary Partial Permanent Partial

Death Benefits (Statutory Limits) Rehabilitation Benefits (Statutory Limits) Benefit Administration Legal Costs (Coverage B)

Defense Costs

Tri-State Risk Management

Indirect losses
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:
Accident Investigation

(Continued)

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
Occupational Safety & Health Administration (OSHA) www.osha.gov (home page)

Department Of Transportation (DOT) www.dot.gov (home page)

it's the law!

California Division of Occupational Safety and Health(DOSH) or Cal/OSHA http://www.dir.ca.gov/dosh/EnforcementPage.htm Environmental Protection Agency (EPA) www.epa.gov (home page) And more

Tri-State Risk Management

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

Specialized Surveys
Ergonomics Industrial Hygiene, Indoor Air Quality Occupational Health OSHA-Type surveys

And more

Tri-State Risk Management

Assist in developing effective safety program elements:

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

Assist in developing effective safety program elements

(Continued)

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
Classroom Lecture Videotape Computer, CD Webinars News Letters Professional Publications

Tri-State Risk Management

Lets do it ! Lets 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
pbok@tristatepeo.com

Marvin Tricanowicz, Loss Control Manager

mtricanowicz@tristatepeo.com

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